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