More Houses and Loan Stuff

So Friday was a very busy day! Seth took the day off so that we could spend the day looking at houses, and look at houses we did! We met up with our realtor around 9:15 and then spent the rest of the day (until around 3:00) looking at houses. I think we ended up looking at roughly seven houses. We were supposed to look at nine, but two canceled on it. Who does that, anyway? I would think it would be hard to sell your house if you don't let people come look at it! But anyway, we looked at houses, and we liked two of them, but none of them I liked as much as that last one I saw on the first day. Our realtor had gathered the association documents for us for that one house for us to look at and she even helped us set up an appointment with another loan officer to talk about mortgages. Now we have a meeting on Wednesday at 5:30. Fun fun!

Pre-Approval

So Seth and I got our pre-approval letter in the mail this weekend. This letter indicates how much we can afford to purchase on a house and how much the bank will lend us. Unfortunately, it was significantly lower than I thought it would be. Like $100,000.00 lower! I'm soooooo bummed. I'm guessing it's because of our credit scores, where one is lower than the other. One of our scores is in the high 700s but the other is just in the middle 600s. I'm guessing this is because that person doesn't have any credit cards so their debt to credit ratio is waaaaaay high. Ooops. And damn!

My initial instinct was to panic. But I've since e-mailed our Realtor, who told me not to panic, and she's going to call me today to talk about it. I'm also thinking of trying another bank to maybe see if we can get a little bit more money out of them. Ugh! So frustrating!

House Hunting!

So Seth and I went house hunting on Saturday! It was so much fun! Our realtor took us to five houses during the morning and it was a really good experience. We really liked the first house we saw (roughly 4+ acres, 1900 sq. ft) and the last house (0 acres, 2300 sq. ft). I loved the last house, but it doesn't have a lot of privacy because of its location. Seth really liked the first house that was set in the woods, but I'm not a fan of its location. It'd make my drive to work almost an hour and Seth's drive would still be roughly an hour because it's so far from the highway. The last house is in the perfect location though because it's only half an hour from my work and although it's still an hour for Seth, he'd be able to continue to carpool.

Anyway, that was fun, but Seth isn't convinced on the house I want, so we're going to continue to look. I asked our realtor to keep an eye on the last house in particular because it really is perfect (in my opinion) except for the fact that it's not very private. But I called a loan officer this morning and faxed over all the information she asked for, so hopefully we'll get pre-approved soon! It's so exciting!

Updates!

So I showed Seth the invites and he said they were okay. I don't think he loved them, but he didn't hate them, so we're taking that as a win. The only thing he really didn't like was that our middle names were on them. For some reason that bothered him, though I have no idea why. Oh well, I'm fine taking them out.

We're still waiting on the bank. I can't call the loan people back until I have my statements. Hopefully they should be here soon since I'm pretty sure it's been the 3-5 days already. In other news though, I was contacted by another mortgage officer, but she requires even more information! I'll just wait for the statements and then try to deal with them both, haha.