Saturday, October 23, 2010

Love this!!

"I don't want to drive up to the pearly gates in a shiny sports car, wearing beautifully, tailored clothes, my hair expertly coiffed, and with long, perfectly manicured fingernails.

I want to drive up in a station wagon that has mud on the wheels from taking kids to scout camp.
I want to be there with a smudge of peanut butter on my shirt from making sandwiches for a sick neighbors children.

I want to be there with a little dirt under my fingernails from helping to weed someone's garden.
I want to be there with children's sticky kisses on my cheeks and the tears of a friend on my shoulder.
I want the Lord to know I was really here and that I really lived."
— Marjorie Pay Hinckley

Friday, October 22, 2010

NEW CLOSE DATE

October 28th we will OFFICIALLY be homeowners :)

Wednesday, October 20, 2010

Whew wee... Loan Approval COMPLETE!

For the past week or so, Tyler and I have been silently FREAKING OUT! We were suppose to remove our loan contingency last Saturday but we still had not heard from the underwriter that everything with the loan was complete. We asked the asset manager (who makes decisions on the property since it is a foreclosure) if we could have a extension until the 22ND. They declined. We had two options: back out of the house and get our deposit back (which is $8,000) or remove the loan contingency and IF the loan doesn't fund we LOSE the $8,000. We didn't feel comfortable removing contingencies even though we were previously approved. Tyler received a raise last year and this year so his income is A LOT more than it was last year. So we have had problems with his income because it was a recent increase.

Finally Friday night, they agreed to extend our loan contingency on Wednesday (today) and we had to remove it by today. Monday came and went and nothing happened! Tuesday came and went and we heard nothing. We find out Wednesday morning that if we did not give them a answer by 5pm, they would re list the house. I was in a panic ALL DAY! Tyler and I were anxiously waiting by the phone. We were calling our lender, realtor, and trying to remain calm but we had not heard anything. We prayed and prayed that everything would work out. We also prayed that if it didn't work out that we would understand this is the Lord's will and this is not meant to be our home.

Well at 3:40 pm, we heard that we could remove loan contingency and we have met EVERY condition and qualification! Whewww wee! I was SOOO EXCITED!!!


We will now be closing on the house Nov 5th! We have two weeks left and we are soo excited to be homeowners! We have been saving and penny pinching and I am so glad to finally have something to show for it! We are so excited to not have to pay rent but pay towards a mortgage that eventually has a end! 30 years, but hey! ;-) It's an investment! And in this market- it's awesome. We have a super low interest rate, super low house payment and the opportunity to make money when the market picks up!

Sunday, October 10, 2010

One Year

It was one year today when Tyler joined the Church of Jesus Christ of Latter Day Saints. It was a decision that came with a lot of thought, prayer, and preparation. I was honestly surprised how willing he was when he met the missionaries. But I truly feel like the missionaries he had were meant for him.


When I started dating Tyler, I remember him telling me, "I will get baptized so we can marry in the temple". That was a goal I had when I met him and something I lost sight of two years after we started dating. We found ourselves pregnant, and marriage was something we knew was the next step. I was still very hesitant to go back to church because of the previous wrongdoings I had made. For the first year of our son's life, church was not something I felt I needed. I made EVERY excuse of why we didn't attend church. In reality, I knew the church was true and it was what our family needed. However, I didn't want to go through all of the work, repentance process, which was essential. I remember talking to my mom who told me not using the atonement is a slap in the face because we are not taking advantage of a sacrifice that was made. I felt I could be forgiven and it is essential to the plan and not something that should be looked at as "unnecessary"

I'm not sure exactly how everything happened and what exactly was the turning point but after we blessed Ty in the church on July 5th 2009, Tyler wanted to take the discussions. We tried one set of missionaries and he wasn't feeling like it was right. Then we ended up finding a town home in a different town and moved to a new ward. We met with two missionaries but they were quickly (and unexpectedly) switched to two new missionaries, Elder Vea and Elder Lee. They are the reason that Tyler was converted. Everything clicked. They had gotten through to him like no one else was able too.


I remember the peace I felt when he was baptized. I remember looking at our son and knowing that this would change the rest of our lives. I am so thankful for those two missionaries who were sent to us, to help us achieve everything we are capable of. We are now preparing to enter the temple to be sealed for eternity. I look forward to our life together and I am so fortunate to have such a wonderful husband who values me and does all he can to provide for his family.

I am so grateful that he made the choice when he was ready. I know too many guys who convert because of a girl and I did not want him to do it solely for me. I have seen people get baptized and then quickly fall away from the church when the relationship soured. I am proud of the man he is and I cannot wait to be by his side and watch his testimony continue to grow in the church.

Appraisal!!!

Our house appraised for 60k more than we are offering .... Uh hello there INSTANT EQUITY!


So now all there is left is loan funding :) Whooo hooo!

Thursday, October 7, 2010

Inspections

All inspections came in clear :)


Started packing. Our house looks like a MADhouse!

Saturday, October 2, 2010

We got a house!!!!

After about 4-5 months of house searching we finally found our house!! We submitted an offer on the 22nd of September and we found out we got it on the 27th! We were sooo surprised because it is in a really good neighborhood, a neighborhood we thought we couldn't afford. The house is close to a bunch of shops, schools (which btw, are really good), and semi close to the freeway.

It has a ginormous backyard which is totally what Tyler and I wanted. We could stay in this house forever and add a pool(eventually), play structure, fishing pond (Tyler's idea), and still have room for lots of grass! It has hardwood floors and granite counter tops!


We are so grateful and know this is possible because of the Lord. We owe everything to him for us being in the position to buy a house! We have already attended our new ward and absolutely loved everyone and we can't wait to attend!


We start inspections this week so hopefully there arent any major problems.... so I guess we aren't totally in the clear!


Keep you all posted!! :)