You know what sucks? Trying to apply for a home loan. Holy Crap!
I called probably seven different companies, got transferred to about fifteen different people, and every time that I would call, they would tell me something else that would have been nice to know two months ago. Today, I finally got a call from someone who gave me every single piece of information I was trying to get to begin with.
He gave me everything I would need, everything I have, everything I need to fix and then told me exactly what to do to get the ball rolling. I have one more person to call tomorrow and then it should be smooth sailing from there. Even the credit passed! :D
I'm excited, now. Now that it's all starting to make sense about what we need and what all we have and are currently working with, I'm super happy. Seriously.
We have a budget and everything, and we have the price ranges and such. And I'm hoping that the people I call tomorrow will give us the CoE (Certificate of Eligibility) so that we have 0% down. The closing costs would be the only thing we'd have to pay, and even then, the seller could possibly pay that. But, I'm not holding my breath. I'm just happy we've gotten this far. We can finally get out of this shitty ass apartment that I've been dying to get out of for two years.
With a new baby on the way, we need more room. I'm really hoping we can get at least a 3 bedroom, 2 bath within our budget. That would be amazing.
Speaking of new baby, IV is supposed to be here in March, and I'm really hoping we can close on a house and start moving in around that time. I don't want to be moving stuff while pregnant, but I also don't want to do a whole lot of moving with two kids. Maybe I can find a babysitter for the days we move out of the apartment. Or maybe get a lot of help moving. Or both. That'd be nice.
Oh, I'm so excited!
February 23rd is the day that my best friend is throwing a baby shower for me! And then the Saturday after that, another friend of mine is getting married. I'm happy for her. Getting married makes life SO much better, and makes a lot of things easier.
Anyway, I have lots of stuff to do and take care of and stuff, so I'm out. Just figured I'd do a quick update. :)