Guess what? I'm out of current photos again. It's a good thing it's the time of the year for old Halloween costume photos. Coadster is Storm from the X Men here and Stinky is a fairy godmother.
I know I've been saying for a while that the first rule of house buying is that I do not talk about house buying, but I've had a change of heart. For one, I hate talking around about things. I try to be as open and honest as possible, and so I think I can divulge some info. For two, I would love your knowledge if you have it about the difficulty of obtaining an FHA loan based on the house.
Sooooo, here we go. I found a house, made an offer, they countered then we countered and we all countered for the purchase until we came to an agreement. Then there were some inspections and a remedy request to ask for money at closing based on the inspections and they just agreed to that this week. Now, I have to sit and wait and as you can imagine, I'm not much of a sit and wait kind of girl, which has gotten me into trouble many times in the past. But we all have our faults. (unfortunately, I have mine and probably most of yours too)
I like to call the two photos on here the Superhero years.
Anyway, the big thing now is to wait for the loan to go through. Since I'm getting an FHA loan, I have the obstacle of another inspection and the fact that they won't approve of the house if they don't feel like it's worth the price. I went on-line today to see how likely these things could be as problems and from what I can tell, it all depends. Some people said their inspectors were super uptight and others said their inspectors drove by and said they thought it looked fine. I'm hoping for the lazy man or woman who doesn't get out of his or her car and approves it with a wave of their hand. If you have had any experience with getting a house approved for an FHA loan, I would be ever so grateful for your wisdom.
I also sat down tonight and looked over all the paperwork the realtor and loan people gave me to try to make sense of it. You know me, I need to write things down to sort them out and process them, so I wrote stuff down, and made lists and stopped short of making a pie chart. Hey, it's good to know I have at least a little self-control. So, tomorrow I'm going to check with the realtor and the lender to make sure everything is still on track and if there is something I'm forgetting that will come back to bite me in the ass later. Okay. That's probably more than you wanted to know.