Found this website a few weeks ago. It's pretty cool for creating custom wish lists. There are so many things I found I wanted for my little girl that Babies R Us and Target just didn't have.... then it snowballed from there. I do like the element of surprise.... for instance the fact that I have two diaper bags on this list and one on Babies R Us.... Sure, I only need one but which one will be up to my loving friends & family out there purchasing gifts. Take a look & enjoy!!!!
10.28.2009
Mi Casa
The house quest came to an abrupt end the other week. To make a really REALLY realllllly long story short... I am not eligible for the 8k. Despite the fact that I have not “owned” a home in over 3+ years, I have been claiming mortgage interest on my tax returns.... and that disqualifies me. Bummer dude.
I quickly went into rent mode and in a two apartment search found the perfect place. Here is a comparison... which one would you choose....
A B
2 yrs old 6 yrs old
Rent + electric Rent + $30 water/sewer/trash + electric
“Two toned” walls White walls/white ceiling
Different light fixtures per room &/or ceiling fan hook ups Milky glass “bubble” lights throughout
1026 sq ft 948 sq ft
Covered parking included Rent + $30 = $154 MORE than A..... no covered parking.
Obviously A is what I went with.... but it’s “income based”. Sounds hoosier, but to save $154/month.... I’ll take it!!! A visit to the complex and you’d never guess. (Give it 5 or so years and maybe.) But it’s well maintained for the time being.... Getting approved was like jumping through hoops....some of them I think were flaming. I think my situation is a little unique and they had to make sure I wasn’t going to be making more money than I stated....via support from others concerning the baby, equity in “my” house... oh, and proof that I was in fact pregnant with a note from my doctor. Ha! Klassy. Buuuut, I guess any ol... ughhhh, ‘plump’ woman could claim her income will be supporting two people in the near future and therefore qualify. I really thought they would be asking for a urine or blood sample... but the request never came. (However, if they’d like to maintain their sparkling complex they may want to consider that in the future.) The process took two weeks total.... but when every time you call you get an answering machine or every time you try and fax something it takes a minimum of 3x’s... that two weeks seemed like two months. I wasn’t the most fun thing I’ve done.... but it all worked out and I’m getting the keys to my new place tomorrow night!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I quickly went into rent mode and in a two apartment search found the perfect place. Here is a comparison... which one would you choose....
A B
2 yrs old 6 yrs old
Rent + electric Rent + $30 water/sewer/trash + electric
“Two toned” walls White walls/white ceiling
Different light fixtures per room &/or ceiling fan hook ups Milky glass “bubble” lights throughout
1026 sq ft 948 sq ft
Covered parking included Rent + $30 = $154 MORE than A..... no covered parking.
Obviously A is what I went with.... but it’s “income based”. Sounds hoosier, but to save $154/month.... I’ll take it!!! A visit to the complex and you’d never guess. (Give it 5 or so years and maybe.) But it’s well maintained for the time being.... Getting approved was like jumping through hoops....some of them I think were flaming. I think my situation is a little unique and they had to make sure I wasn’t going to be making more money than I stated....via support from others concerning the baby, equity in “my” house... oh, and proof that I was in fact pregnant with a note from my doctor. Ha! Klassy. Buuuut, I guess any ol... ughhhh, ‘plump’ woman could claim her income will be supporting two people in the near future and therefore qualify. I really thought they would be asking for a urine or blood sample... but the request never came. (However, if they’d like to maintain their sparkling complex they may want to consider that in the future.) The process took two weeks total.... but when every time you call you get an answering machine or every time you try and fax something it takes a minimum of 3x’s... that two weeks seemed like two months. I wasn’t the most fun thing I’ve done.... but it all worked out and I’m getting the keys to my new place tomorrow night!!!!!!!!!!!!!!!!!!!!!!!!!!!!
10.04.2009
Will you be mine?!
I'm feeling a "little" bit of pressure to get settled into a place before 'Girl' Mae gets here. I've been house hunting for a few months and I feel like I've been on a good luck streak all week.
First, I've hopefully found us a little home right off Bryan Road. I couldn't ask for a better location or price (dependant on negotiations of course). It needs a little TLC, but after looking at other options in my price range the fact that this place doesn't reek of mold and I could take a walk at night with out the need to be 'packin' in the diaper bag..... it's pretty much "perfect". My offer goes in first thing tomorrow morning and the bank has 72 hrs to respond.
Second, I'm eligible for the first time home buyers 8k tax credit....I've known this for quite some time. But what I didn't know was the IRA I'm going to cash out for my down payment can be cashed out PENALTY FREE!!!! I inquired with my bank this week if it's used as a deposit for a 1st time home buyer there is no penalty!!! I was estimating I'd lose about 20%.... This was fantastic news and I couldn't get through telling Baby Daddy with out bursting into joyous tears.
Third, I first thought this was a short sale. In short sales you can't ask for anything from the seller. It is not a short sale, but is bank owned... I don't know the exact difference, but it does mean that I can ask for closing costs & negotiations are easier. (Short Sales require a lot of paperwork... if the bank denies your offer you start all over again).
I really hope it all works out and I can start to nest for my lil birdy. I hope that the bank doesn't take the full 72 hours, I've lost enough sleep already and can't spare another wink.
http://www.cbgundaker.com/search/advanced/detail.jsp?mls_num=90051756&type=res
First, I've hopefully found us a little home right off Bryan Road. I couldn't ask for a better location or price (dependant on negotiations of course). It needs a little TLC, but after looking at other options in my price range the fact that this place doesn't reek of mold and I could take a walk at night with out the need to be 'packin' in the diaper bag..... it's pretty much "perfect". My offer goes in first thing tomorrow morning and the bank has 72 hrs to respond.
Second, I'm eligible for the first time home buyers 8k tax credit....I've known this for quite some time. But what I didn't know was the IRA I'm going to cash out for my down payment can be cashed out PENALTY FREE!!!! I inquired with my bank this week if it's used as a deposit for a 1st time home buyer there is no penalty!!! I was estimating I'd lose about 20%.... This was fantastic news and I couldn't get through telling Baby Daddy with out bursting into joyous tears.
Third, I first thought this was a short sale. In short sales you can't ask for anything from the seller. It is not a short sale, but is bank owned... I don't know the exact difference, but it does mean that I can ask for closing costs & negotiations are easier. (Short Sales require a lot of paperwork... if the bank denies your offer you start all over again).
I really hope it all works out and I can start to nest for my lil birdy. I hope that the bank doesn't take the full 72 hours, I've lost enough sleep already and can't spare another wink.
http://www.cbgundaker.com/search/advanced/detail.jsp?mls_num=90051756&type=res
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