~1-25-05~ HOUSES!!!!

well i am still going through the SAME houses, trying to narrow down what i like and what i think i can afford.

i finally talked to the finance guy. i don't really understand what he told me, it seems sort of odd. he said we could apply for a stated income loan. it will only be in my name, since my credit score is like 710 or something and bob's is only in the 500's. you state your income, but it is never verified. HOW IS THAT?!?! i don't see why someone would give me a loan and NOT verify my income. that just seems odd to me. i'll google it and see what shows up. i just found THIS, THIS, and THIS. whatever, i still don't get it, but oh well.

anyways, he said i could get one of those up to my stated price of $180,000. with an interest rate of 6.5%. i really hope that we can get it lower than that, cause that just seems high to me. especially when i started figuring out what our monthly payments would be on a $180,000 house!!!!! i am really hoping to get about $30,000 for selling ours, and then put $20000 of that as a down payment. but still with taxes and home ins. that sure jacks up the monthly payment!!! so far i haven't got an estimate below $1400!!!!!!!!! that is more than double what we are paying now!

i just don't know if we could do that. i mean we could if i quit paying quadruple on our credit card bills, but i would go nuts just paying the minimum payment on those! not to mention they would NEVER get paid off!!!!!

on a good note, bob's car will be paid off in a year, so there is $220 extra a month. i'll have mom paid off by june/july, there will be an extra $200. and i guess i could, for a short while, pay the minimum payment on some of the credit cards. at least hopefully til we could refinance to a lower percentage rate.

or maybe i could go out and get the part time job i talked about....GASP!! i looked in this sunday's paper and there was squat!!!! i did not check one single add!!! that sucked. bob said something about getting a part time job, i just feel bad for that......even though it is his own fault we are in the situation we are in......so i don't know.

a quick question for any of you who may know.....my mother said that it is going to cost me like $200 to get pre-approved for a loan. we are supposed to go wednesday, and he sure didn't say anything like that! i sure don't remember paying when we got this house. then she said that that is only good for like 30 days!!!! well there is no way in hell i'm going to be out of here in 30 days, so what the fuck?!

i seriously have to call tomorrow and find all that out. if either of those are the case, then we are just going to have to wait. i don't even think my house will be done in 30 days!!!!!!!

so anyways, i have been driving myself crazy all night with these houses. i have narrowed it down to my favorite 6.

THIS one is now tied for my first favorite. it is a bit smaller than i wanted, but you gotta love the hot tub, above ground pool and the tanning bed!!!!! i'm not too crazy about the location though, and it only has .26 acres.

THIS one is also my favorite. it has about 250 more square feet than the first. it too has a hot tub, but it has an INGROUND pool. i also like that it has 2 floors. the master bedroom is huge at 16x21, and it has 3 fireplaces (yes, that is a selling point for me.) i like the area better too. but it doesn't have any sort of room in the basement, which bob is planning for his own sports tv viewing area. it only has .21 acres.

all of these are hard to place in any order, but here are the rest.

THIS one was 2nd, but it doesn't have any additional pictures and it is more expensive, even the taxes! i do like that the master bedroom is on the 2st floor. the kitchen is huge! it doesn't even give the acerage. don't much like the location of this one either.

I changed my mind, i think THIS one is a close 1st or second. the worst thing is that IT DOESN'T HAVE CENTRAL AIR!! fortunately it does have a forced air furnace, so we could get a/c installed. it too has 3 fireplaces and a mother-in-law suite! even better it has a family room, siting room, and a rec room in the lower level. the kitchen even looks nice. it has .37 acres.

also close in the running is THIS one. it just looks adorable! it is way small though! i do love lousiville, but i don't really want to live out there again. it just seems so far from everything. i love the yard, looks like it has a ton of trees. it has .34 acres.

finally there is THIS one. i just love that this one has .76 acres!!!! the location is great too, but the house itself is sort of small. it has the lower level rec room for bob.

i'm so torn!!!!!! of course the first 2 that are my favorites are $179,900! i really want to ask if they would take $165,000. i hate doing that, cause i don't know if that just seems ridiculous to ask them to take that much lower. oh and i forgot to mention that for my loan i would have to have a contingency clause. i know a lot of people don't want to deal with those, so that sucks, but i need to sell my house before i can buy one!!!!

another selling point of the first 2 is that they are close to my mom. you all know how i am about that!

but again i do like the last 3 cause they are in the 160's range already, which means i can even make a lower off on those!! oh decisions, decisions!!!!!! i hate this shit!

well, again it is going on 3am, so i need to get to sleep. night!!