Roller Coaster Ride...

As pretty much all of you know by now, we're buying a house. If you didn't know, you do now. :) We knew that things hardly ever go smoothly, and there tends to be bumps in the road of buying. We were supposed to be 100% financed, so we didn't need a down payment. Well after looking through things, our lender decided that it would be in our best interest to put 3% down since it would lower our monthly mortgage payments. Okay, we got through that bump no problem. We'll put the 3% down, and the sellers will pay the closing costs. We're scheduled to close on July 18th. We are all very excited. Only a few weeks left.

Our realtor told us congratulations, the house is under contract. They took the listing off the mls website. Pretty much as good as ours! Then the lender told us that he was having trouble running the loan if we pay off the truck, so he told us to wait on that. We did. I asked him if there is anything else that could go wrong, or is the house really ours. He said that as long as they could show seasoned assets in the account, everything would be fine. So the assets are there, and everything should be fine now...

Well now they're having trouble because Jeff's credit shows that he is always late on making child support payments. But that's not true. The Vermont office of child support garnishes the child support from Jeff's paychecks, so they are always on time. But for some reason his credit shows that the payments are always anywhere from 30-190 days late! So now, Jeff has to take some time off work so he can come home and call Vermont and have them fax a statement saying that the payments are never late. It just seems like one thing after another right now and it's quite depressing!

We have begun packing, and we've talked about where we'll put things in the new house, and we've discussed paint color options. We've even tried to imagine how special our first holidays in OUR HOME will be this year. It's all so exciting. But at the same time we're scared to death because it seems that all these things keep coming up. And while we still understand that there are bumps in the road, it just seems that everything that could possibly come up, is.... And we're worried that some other problem might come up that would prevent the loan from going through at all and we'd lose the house. That would be completely devistating for us! This house is what we've been waiting for. It has everything we wanted. And we're so close, but at the same time, it feels so far out of reach!

For now I'm trying not to worry about all the bumps, and I'm just focusing on getting things packed up so that IF we move in a few weeks, we'll be ready. We'll let our landlord know about the house when we go to pay the rent in a few days, and I guess we'll just have to talk to her about what might happen if the sale fails, so that we'll still have a house to live in. Please wish us luck and hopefully everything will work out. We REALLY want that house!