Soooooooooo, we went to the mortgage brokers. Don’t know what I am talking about? Go here and see. I will wait.
Good you’re back.
There is good news and bad news here, okay?
Firstly the bad news – we won’t know anything for definite for a few days.
The good news? Apparently we look good on paper, and the few things that MAY go wrong for us can all be fixed. The mortgage broker is confident that it will go through, EVENTUALLY.
Nathan has a $200 bill in collection, that we only found out about recently. The telephone company was supposed to forward our old bills on to us when we moved here and they didn’t, hence a bill in collection. IF that stops it going through, we write a handwritten explanation and fax it through to the bank, along with a ‘paid in full’ receipt.
The second thing that could go wrong is the car. We have a current car loan, due to be fully paid off in April. IF this makes us too far extended for the bank to give us a loan, we just pay the car loan out, and then put the application back through.
Very little will actually stop is getting this loan, a few things will just defer it.
We will buy this house.
The mortgage broker is going to bend over backwards (no, not like that. Your mind is in the gutter again) to get us our loan (and him his BIG commission).
YAY!
I will ring them on Wednesday to try and find out whether the application is approved or deferred. Note, I didn’t say rejected? It shouldn’t get rejected. Now we just need to come up with 1k to pay out the car if need be. *sigh* We need rich relatives.
So maybe hold off on the champagne and just have the cheese today.
well thats good news then..
i hope everything works out well for you..
🙂
Fingers, toes and intestines crossed for you babe.
Kelley’s last blog post..Welcome to my new digs!
Thats all sounding pretty good. Will keep everything crossed, blessed and prayed over for you lol
Bettina’s last blog post..Breaks my heart…………
all sounding really hopeful hon 🙂 I was keeping my fingers crossed for ya last night when you’d have been speaking to the mortgage broker!
sounds like you’ve got a decent broker there though doing the best he can, mind you.. as you said of course he’ll want you to get it for his big commision, but if it gets the jobs done and well then dont knock it eh 😉
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Hope you get it, will be looking out for the celebration post 🙂
Jenty’s last blog post..School starts tomorrow
Get it?? I’m already planning the house warming for you!!!! 🙂
….The Aussie dream will be yours. The Aussie dream will be yours. The Aussie dream will be yours…….
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Congratulations and good luck!
Burgh Baby’s Mom’s last blog post..Busted at Last
Discussions of mortgages make my tummy hurt. I must look away…
Candy’s last blog post..It’s Friday, and that means…
How exciting! I remember how on pins and needles we were buying our first house.
Ree’s last blog post..How To…
Oh, you’ll get it! We had something similar when we went for our house. We learned that Dave had a medical bill in collection from 1992! It was only for $15, but we had no clue as he had moved quite a few times and changed insurance, too – since 1992. We also had a bill showing on our credit report that was there in error – it had actually been paid. So, we provided proof that things were paid and wrote a very nice letter and we had no trouble. You won’t either. I’m so excied for you!!
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excited, even.
Leslie’s last blog post..Beware: This Cuckooo Is Nesting
Yay! (Almost) Congrats! 🙂
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I ahem, think you meant to say that he was bending over, not bending over backwards.
Or, perhaps he is just very, very limber.
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Drinking champagne for you because I know you’ll move in soon 🙂
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Congrats on being on the path to a house!
There is nothing quite like owning your own home.
Hopefully everything will go smoothly for you.
Jayna’s last blog post..Let’s play catch up, shall we?
Woohoo, so exciting about the new house! I just know the loan will go through 😉
We are looking to buy a house 12-18 months from now as we will have the deposit well and truly saved up (and more of the car loan paid down) and I’ll hopefully have a full-time job as a teacher by then! You will have to give me advice in the ways of first home buying (though I’ll be sad to leave our little place).
Oh man, Amy is going to love that huge backyard!
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so it’s kind of good news in an anti climactic sort of way?
How bout we just go the champagne anyway?
Tiffany’s last blog post..Here comes the sun…
I’m so very, very happy for you. Jealous too, but mostly happy. a cute little house to make your home and all that yard! Tons of room for Amy to play, space for a fruit orchard, a vegetable patch, room for a dog, lawn area with flower beds, a giant shady tree or two with bench seats built around the trunks….oh, wait, that’s my dream. You have your own dream for all that space I’m sure.
Of COURSE you look good on paper.
YOU look good everywhere. 😉
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