So there is not much going on. Ryan is still working at the same place and so am I. I work over time now so I am pulling 11 hour days. School just started for Ryan and I. We go to school from 5:45 to 9:50pm Monday and Wednesdays. On Tuesday and Thursdays we only go to school till 7pm (not too bad). Other then that we are still looking for homes. Ryan and I are going to Utah in St. George for the weekend to go to a wedding and that will be fun! I am so excited to meet some of his mission companions. That is about it. Loves!
ps. sorry no pictures
Tuesday, June 2, 2009
Wednesday, May 20, 2009
Have I been lazy or what?!
I have not posted forever and so most of you are out of the loop. Here are the things happending.
- We have an offer on a old old house in east mesa on brown and ellsworth. it is 3b2bth and slightly ghetto
- Freedom has left the apartment. they finally found out that we have a dog and so she is now living with mom and pop biggs. i miss her very very very very very much. she is my little baby.
- Ryan and i both signed up for summer class at mcc taking astronomy. it will be fun to be in the same class.
- i signed up for calsses for fall and i will be taking 3 classes in interior design at mcc. ryan will be going to asu i think.
- I regret in buying tresseme...what made me think that just because it is cheap it will be the same quality as my expensive stuff. i have now testify that i am very wrong and i should just get what Mo tells me to get.
- Ryan is the best husband ever! he is so sweet and loves me everyday, especially the days that i miss freedom the most.
- 4 months left till we are going to the temple to be sealed.
well that s about it i think. not much else. untill next time when i have something else more productive to say, I love you!!!
Monday, May 4, 2009
My Heroes!!!
Ok so I got lucky to have a family of heroes!!The story started Sunday afternoon. I was getting ready to go to my parents house to have our Sunday dinner with family and play games. I was standing in the semi dark closet trying to pick out my outfit for the night. As I was scamming through my limited selection of choices of clothing as I notice that freedom just jumped back really quickly from me then came back. She is really good at finding little things on the floor to chew/eat. I was thinking it was a piece of thread that she is playing with since we were in the closet and that was the logical thing to assume. I turned on the light to see that it was not a string but a SCORPION!!!! It was right by my foot and if Freedom did not try to chew on it and turned it upside down I prob would have stepped on it or it could have stung me! She saved me!
As I am talking loudly about the scorpion and talking to Freedom to see if she got stung Ryan ran right in and saw the situation. He immediately picked up the scorpion with a pair of scissors and chopped off the tail and flushed it down the toilet. What a brave soul he is! My Hero!!!!
I love my family...they take care of me!
PS, Freedom is fine..I think the scorpion might have used the pinchers on her but did not sting her.
Sunday, May 3, 2009
We are mean parents
Yes, we are mean. We think it is funny to try and make Freedom roll off the bed.
You will think it is funny too so don't judge us. :)
PS. Freedom is smarter than us. She never rolled off the bed.....unfortunately. :)
You will think it is funny too so don't judge us. :)
PS. Freedom is smarter than us. She never rolled off the bed.....unfortunately. :)
Wednesday, April 29, 2009
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.
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.
Friday, April 24, 2009
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!!!
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!!!
Thursday, April 16, 2009
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.
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