No Deal

***WARNING: THIS IS A LONG POST***

Wow where do I even start? Befor we start I want you to know that we would much rather do financing through USAA but they dont offer FHA loans, only conventional or VA. So most of you know that Ryan and I are IN PROCESS of getting a house. Well a lot of stuff went on in just a few days. We were pretty close in closing...we were coming up on the end of inspection period and was in process of getting the appraiser to the house.

Lets do a little recap on what we were doing. We have a realtor, a broker for our loan getting a FHA loan. Everything was going great and we had already paid the inspection guy to look at the house and it seems all going so well, infact we even took our family out there to look at the place.

The broker went over what we will be paying from the Good Faith Estimate and everything seemed fine there and everything was good. Untill Monday I had a thought that popped in my head that Ryan and I should call USAA and get a quote of Good Faith Estimate from them. Now keep in mind that Ryan and I have already thought about USAA, but knowing that they dont do FHA we did not even bother. Some reason though I had Ryan call them regarless even if we are not going to use them.

I COULD NOT BELIEVE THE RESULTS! With our broker in the end our mortgage payment would be high $600. USAA which remember this is a quote of an conventional loan in the end the estimated mortgage was low $400...$200 DOLLAR DIFFERENCE!!!!!! Where does that money go? I know that there is a fee for the broker and I understand that, but what about the rest? Then we called AZ fed and they gave us a way better quote then what our broker has given us for FHA loan as well.

Obviously from this newly known information we could not go through with the original plan of using the broker. I had a real hard time with this because I felt so bad that the broker has worked so hard on this and then we just pretty much rip the rug right out from under him. Poor guy. What are we to do though, would you have done the same in finding a better lender so you dont pay as much?

In the end making a change like this of a different lender really is messing with too much between us and the seller so we decided to take back our offer. We had thought about just going through with it then refi later or try and see if we can get an extention, but we both were so uneasy with the decision that we though if it is this undecisive we should just be done with it and look again later.

It is good to know of the different options that we have when we did not know of the difference before. I just wish that there are more people out there that looks for OUR best interest then not. We are very thankful and blessed to know of this before it is too late.

I think we are going to try to save more money for down payment because if we do conventional loan that is 10% down instead of the FHA 3.5%. The end.

House

Wow so buying a house is crazy!!!! I think second time would be easier cuz we would have already gone through it once. We are so excited.

On Wednesday we had our inspection done and that was really fun to find out all sorts of little stuff that needs to be fixed. From what he can see the previous tendants were really violent. The place was not in great great shape, there are a few fixer upper areas. We were so thankful for Bob Garrard to inspect our home. He is so wonderful.

So right now we are waiting for the house to be visited by an appraser. Hope that goes well too. Bob told us that the AC is not working very well and I hope that the appraser will make the seller fix it before we move in.

We are currently looking for somone to move into our appartment because we wont be able to finish our lease. The lease is up end of September and rent is $617. We are offering $500 for the person taking over our lease. If you know anyone let Ryan and I know. Thanks!!!

New Dress?

Can I just say that this is the best looking dress I have ever own?! I have never gotten more complements in a dress or any outfit I have ever put together. This is now my favorit dress. Shade Clothing I love you.

http://www.shadeclothing.com/

Bad Night

Last night was one of the horrific night I have ever experienced since after seeing the movie The Ring. What was so weird was that Ryan was in the same boat.

We went to bed as usual last night. At around 1:30 we both woke up and pretty fully awake unable to be comfortable and both of us had really bad uneasy dreams. After getting up we both still feel uneasy. I wish I could describe what it all feels like but uneasy is the best I can come up with. Being the religious girl that I am I can tell that there was a bad spirit there. I hate knowing that there is bad spirit in my home...IT IS MY HOME!!!! My home is suppose to be my safe place! Don't know how it happend and why but this bad spirit was hard to chase away. Usually a little prayer will make me feel all better but even a prayer with Ryan did not work. We ended up staying up for an hour and a half saying prayers and reading scriptures. Then IT FINALLY LEFT! We turned off the lights and layed in bed. It is amazing the difference of feeling after reading scripture and diligently trying to have the good spirits there. We both fell right back to sleep and it was all good from there.

I am so greatful for the gosple and the knowledge that I have that we can always have Heavenly Father's angels watch over us as we work to keep it there.

I know one thing for sure...I hate that yucky feeling that bad spirits bring. Darn Satan!

Veggie Lover

We are having burgers tonight (or had). Freedom naturally is interested when I am in the kitchen. I was getting some lettuce for the burgers and little miss Freedom is just staring at me. Some parts of the lettuce on the outside was a little flimsy and I was just going to throw it away. She looked so cute like Bolt in the movie begging for food so I gave her a leaf. Is she not the cutest little creature? I got a video too of her eating it. Kinda lame but she is fun.