Tuesday, March 2, 2010

Approved!


So I am over the moon excited right now.
Like stand up, do a happy dance, high five your neighbor kind of excited!

We officially got our pre-approval for the loan on our fave (and most $$) house yesterday!
YAY!!

I'm not going to lie I was on pins and needles all day yesterday.
I don't think I've checked my phone and email that many times in my life just waiting for a response!

It's not that I didn't think we could afford it, because we can.
We aren't stupid enough to buy something outta our league.
But the bank will only use half my income when considering our loan. The other half (and quite frankly the larger half) of my monthly income comes from being a sub dental hygienist. As you may or may not remember this post, that's what put a hault on house hunting the first time. Apparently the banks don't like to give money to people who don't have "guaranteed" income. With all the foreclosures out there it's understandable. However when I see how much money I make coming in week after week it's frustrating when they say "Sorry, can't count it."

Well with my new part time (permanent and guaranteed) job I started after the new year we were praying it would be enough even though I'm still subbing 2 days a week making all that fake pretend money they won't count.
Lucky for us we have a fabulous loan guy who worked his ass off yesterday to make this work! I've never even met this guy but I want to hug him!

The best part is, our estimated monthly payment including all the taxes, insurance, etc is what we were paying on our mortgage back in Columbus. Ummm, hello how fabulous is that?!? Seems funny we're going from a 800 sq ft one bedroom condo to a 2000 sq ft 4 bedroom house for the same price. Thank you bad economy and fabulous interest rates!

We're officially putting on our big girl panties and making an offer tonight.
I'm hoping this is it for us!!
(I'm getting all choked up and teary eyed just thinking about it, I'll blame it on the hormones)

Fingers crossed people.
Extra prayers.
Lots of luck.
However you roll....send it our way!



31 comments:

Brittany Ann said...

So excited for you! I'm sayin' a prayer!

Molly said...

Good luck, girl! I hope you get it and then I will NEED to see a picture ;)

DREW'S MOM said...

Congrats!!! How exciting!

Jen said...

Congratulations and good luck! The house-buying process can be so stressful, so I hope all goes well for you and the hubs. I'm hoping to see some pictures too once your offer is accepted!

Sadako said...

Congrats!

Gwen said...

So excited for you both!!! I'm saying prayers and keeping my fingers crossed!!! XOXO

Brittany said...

YAYAYAYAY!!! ::::Sending good vibes your way!!::::

Taylor-Made Wife said...

Congratulations on getting past that first big step!! Good luck with the offer!

Jessica said...

Good luck
I hope it works out!

KLaw said...

EEEK! SOOOO excited for you! Keep us posted!

Jenni said...

GOOD LUCK!!!!! That is soooo excited!!!! What area of KC is it? We bought our own house this past summer and it was the best move we ever made! (even if my neighborhood is making the news a bit right now...cough cough...Waldo)
I can't wait to hear more and see pictures!!!

Kelsey712 said...

awesome! good luck!

Kristen said...

congrats! Fingers are crossed for you!

Jules said...

Congratulations! I am so excited for you both!! It is nerve-wracking waiting for it to come through. That is also an amazing deal that your loan guy is working out for you. It sounds like a great house too. I can’t wait to have something bigger than 2 bedrooms.

Good luck with the offer and I’m sending lots of prayers and positive thoughts your way…keep us posted!

ae said...

CONGRATS!!! I am super excited for y'all! I am sending prayers your way! WHEN your offer gets approved I would love to see pics;)

Patience said...

Congrats girl!! How exciting. Saying a prayer for you and your hubby.

Hilary Lane said...

Good luck!! I hope it's a speedy process for you guys! When my mom was pregnant with me, they made a move, and she was 8 months pregnant! I can't imagine!

Hilary Lane said...

PS. That sweet potato on your baby thing is not like any sweet potato I've ever seen! When they're comparing it to your child, couldn't they at least pick out a normal sweet potato?

Kara@Pickerill Prattle said...

Congrats! Such exciting news---hoping for the best for you!

All of your house hunting talk makes me want to put mine up for sale and buy again. I love the hunt for a house!

Melissa said...

Yay! Congrats!

Hannah @ The New Black said...

That is SO amazing! We are house hunting again and it's exciting and scary at the same time. I just wish we were where you were...almost done! ☺

Dave and Jenn said...

Congrats! I can't wait to see pics of the new place!

katie + bret said...

YEAH!!!! Congrats!!!

bananas. said...

That is so awesome and exciting and i wish nothing but the best. A four bedroom?! Ahhh...i wish i had a four bedroom. Keeping fingers crossed for ya!

d.a.r. said...

That is awesome!! Our lender totally sucked...but by the time we figured out just what a moron he was, we were getting too close to closing to switch. If we had not had such an amazing interest rate, we would have pushed back closing and switched lenders...you are so lucky to have someone working hard for you!!

Jamie Pickle said...

So exciting. Sending good vibes your way!

EmilyBill said...

Congratulations! Putting in an offer can be nervewracking but very exciting!

skinnybitching said...

eeee... congrats!!! that is so exciting!!! crossing my fingers that all goes well and you get your house!!!

skinnybitching said...

eeee... congrats!!! that is so exciting!!! crossing my fingers that all goes well and you get your house!!!

Lucky in Love said...

That's fantastic news!!! Good luck!

Ashley Paige said...

yay!! such fabulous news!! having JUST been in your shoes, i know exactly every single little emotion that goes into house-hunting!! and furthermore, closing, loan approvals, settlements, etc! so much good luck and i'll be keeping my fingers crossed for you!!!!