Thursday, April 30, 2009
Picnic Frock GIVEAWAY!!!!
This dress is darling. And I can wear it next summer after all the baby weight magically melts off. Ironically, it looks like my bathroom curtain...
WORDS
- Romper
- jumper
- gingham
- skirted swimsuit
- lacey collar
- skort
Shiver. Run away from these words. RUN AWAY!
P.S. I mean no offense.
Wednesday, April 29, 2009
Ultrasound & Check-Ups
Monday, April 27, 2009
#2 Coming in December!
Thursday, April 23, 2009
Why my husband said I don't love our son...
Insider: Home Appraisals
It turns out that home appraisers tend to be, uh... biased when appraising a home for the bank they work for. Often times, they'll give a low appraisal. BUT, if they don't know who you're getting your loan from they'll be more honest.
I know, isn't that a shame? Thankfully, we've learned from other people's bad experiences and the person who we want to buy our house from has agreed to use a certain person from 1st National to appraise his home. That way it will be honest and when we go to get our loan, they'll have already appraised it and they won't be able to go back and say it's worth less.
# of times I used th word appraise in some variation: 9 (including this sentence)
Sunday, April 19, 2009
Lazy Picture Uploader
Then we had the most perfect weekend. Thursday we looked at 6 more houses and didn't find anything except confirm we liked the first house we saw. Then my Grandma came up from TN so we all went to Hong Kong Buffet, the only buffet we'll go to, to celebrate D's birthday that was on Saturday.
Friday we went with Jen and Nick to the Mud Hen's game (also for D's birthday, in case he asks) and it was awesome. D never went before and loved it. We got pretty much every type of food they had available. Between us we had nachos, pretzels (the cup is the cheese they gave Jen, wow) peanuts, hotdogs and french fries. It was a lot of fun. Great tickets Jen!
Finally, Saturday was D's actual birthday, so he went out and a round of golf for the most perfect weather in the world. He went with his dad and my dad and had a good time. Meanwhile I ran and got him a cake. P got impatient with waiting for cake...
Today we finished out our weekend by having my family come over for dinner. It wasn't as near as nice as yesterday, but we still grilled out and D played soccer with my niece and nephew. It was such a relief to have a clean house! Even if it only lasted for a couple of minutes!Monday, April 13, 2009
HOUSE
The PROS of the house is that in 1997 the house had been vacated for 6 years when they bought it. And the electricity and sub-pump had been turned off and there were crazy mold issues from the standing water. So they gutted the entire house, inside and out, with brand new beautifulness. There are lots of personal touches that I like too like the black board paint surrounding the pantry door and the textured walls in the bathroom. The bedrooms upstairs are enourmous and there's space to add a bathroom with the plumbing all done. We'd just have to buy a tub and toilet basically. There's also a really nice basement where, if we stayed a while, we could put in two more bedroom and a bathroom should our family increase that much.
So it's all new, cheap and there's plenty of easy ways to grow into it. And we're behind the park. We have to wait to put in our offer because that's when his contract with the realtors is over with. So we're going to look at all the houses we can until May 3, but that's most likely the one we'll go with. Not including any unforeseen circumstances of course!
Monday, April 6, 2009
New Developments - Very Exciting
We're going to see it Friday at 4pm! I don't know if the link will still work later because the house is supposed to go off the market. The owner still wants to sell it, but he wants to cut out the middle man which means we can get the house for another $8000 cheaper. Hopefully. I can't wait to see it in person.
LOANS- Now I have no idea what's going on with our pre-approval status. One guy told us we'd only get approved for about $70,000 and that would go up to $90,000 in June. The houses I've seen in town at that price range are ridiculous and wouldn't make my baby live there.
Then another guy told us that we'd be approved for $160,000 conservatively. Of course, I wouldn't spend that much on a house. Just because we're approved for it doesn't mean we can really afford it. If we want to eat.
The house D found would be as much as our rent IF we have a high percentage rate 6.5% AND if we use the $8,000 the government gives us as a downpayment. We'd save money on gas, but we'd also have homeowners insurance and taxes, etc, so it would all even out.
Anyway, if anyone out there has pointers on buying a house. I NEED TO HEAR IT.
Thursday, April 2, 2009
Pre Loan Applications 101
BUT, the lender said that he would really plead our case since we have such great credit scores and something about our payment history (?) and that we've never made a late or had a missed payment which is excellent.
So, even if we don't qualify for the loan we want, we'll still go ahead and take it BECAUSE until November 29, 2009 all first time homebuyers get an $8,000 check from the government. I know, CASH! So I figure we can always refinance in a couple of years for a fixed rate and it will still save us money.
Anyway, good FYI for all you first time home buyers out there. Oh, and by the way, a first time home buyer is defined as one who has not owned a home in 3 years so it may quailify more of you than you think!