Wednesday, November 26, 2008

Joan loves to laugh!!!!!!

This is one happy girl!! 

GUESS WHAT!!!!!!!!


Monday, November 24, 2008

Baby Joan

Joan is doing great and is now a few days over the 3 month mark and she’s slept through the night for the past 3 nights!!!! She loves to stand up as long as your holding her hand. She has a tooth that’s trying to come through but she’s too young for that gum numbing ointment (if you give it to them too young then it affects their heart ). She is growing soooo fast!!!!!!!!! We can not imagine our lives with out her sweetness!!


Well that other house that I wrote about a few post down is long gone so we had to go and find another house that we liked just as much this past Saturday. And great news we actually found another one that we LOVED! We put in an offer and on Wednesday at 9 a.m. we should have an answer a yes, no or maybe. Apparently there was a cash offer but it doesn’t look like they’re going to accept it (we think that they offered way less then its listed for). These are the things that we have going for us where they would want us to buy it rather then the other cash people: On Saturday we put down more then the usual amount in earnest money and we’re going to be putting quite a LOT down as down payment at COE (close of Escrow). It will be a loan where they will make interest vs a cash offer the price that its listed at and they agree on is the amount that the bank would get and nothing more. We have excellent credit. I have a score of 778 and Sean has a score if 826 and we have no other debts so we’re a REALLY good “risk” for the bank to take. We forgot to take video of this one so there aren’t any movies to watch. Here is the link to see the house. Please pray that we get this one! And if we do get the ok on Wednesday then our closing date will be December 17th or sooner and as of today that’s just 3 weeks and 2 days until we move into our own place!! And Sean’s 2 weeks of Christmas break start on Saturday the 20th so perfect moving time and a MERRY CHRISTMAS TO US!!!

Thursday, November 6, 2008


Also this is the update on us going to the Temple: For some reason our disciplinary council results were never filed with the
church. Our bishop said it could take 3-4 weeks for it to be filed and then for him to get it!! Its already been 2 weeks so we're at-least half way there!! So we're thinking its going to be December 13 or later before we to go to the Temple but I want to wait till after we get into our own place that way the people that are coming from out of town will have a place to stay. Things happen for a reason and its really neat to actually see that being unfolded so we understand.

PS We're also going to wait until then to bless Joan.

this is the house that we're hoping to buy!!

We're hoping that this is still on the market on December 1st when we reapply for the loan. We got approved already but because it hadn't been reported to the credit agencies that we've paid everything off we would have had like a 20% interest rate and we would have had to buy at least 3 points which are about $1,500 each. That 20% interest rate that we were quoted is with us both having over a 720 credit score so it didn't matter that our credit was already amazing. But if we wait until December 1st to apply then we'll most likely get at 6.5% interest rate. But if this exact house isn't there then thats ok because there are a lot of houses in this amazing neighborhood. This house was built in 2003 and in 2005 it sold for over $250,000 but now its listed at $115,000 and its still in brand-new condition! which is awesome!! Plus we're going to be able to put almost $20,000 down!! So our monthly mortgage payment will be about $750 - thats what we were going to be paying for rent! --- I'm not sure if I've already written about this in the blog already but just incase I hadn't now you know whats going on and why we're still living with Sean's family - which by the way they are AWESOME!!

Here is the link:

Saturday, November 1, 2008

A Little Encouragement!

Well, we just got back from the adult session of Stake Conference. It was really great. We had been feeling a little discouraged about the recent developments in our housing situation (we need to wait another month until all of the debts we have paid off get reported to the credit agencies.) The message tonight was about weathering life’s storms. We felt encouraged and that we could make it through the wait…waiting for our own place to live has been difficult mainly because of the time I spend on the road away from Loriel and Joan. I drive around two hours each day, and have to leave really early to avoid traffic. So it adds up to a lot of time away from home which is hard on all of us. But we feel rejuvenated and ready to submit cheerfully to what the Lord wants us to do, and make the most of it.