The Madison -UPDATED!!!!!!!

What the front of MY house will look like! 
This is what my house WAS going to look like.  As of today I am like many in America .....  UNEMPLOYED!  I am in shock!  I am going to have my pitty- party.  Then I'm going to get on the grind again.  This is just a dream DEFERRED.  I will own this!

I honestly never thought this day would happen. APPARENTLY IT'S NOT GOING TOO.  I have dreamed about owning my own home ever since I got married in '95.  BUT as a young couple starting out, with two babies  and two sucky ass jobs it wasn't going to happen.

We have been renting for 12 yrs now, yeah I know  =l  LOOKS LIKE IT WILL BE A FEW MORE YEARS.

We have had a few opportunities to purchase mobile homes or modular homes and place it on the land we live on now but it never seemed to work out.  Which was good because we have had some financial setbacks.  Pregnancy, job loss, illness and lastly FEAR.  All of these things have prevented us from moving forward.  AND NOW MY CURRENT JOB LOSE IS PREVENTING US FROM MOVING FORWARD! SSHHHHEEEESH WE JUST CAN'T CATCH A BREAK!


We realized that this time, RIGHT NOW, was the best time for us to do it. SCRATCH THAT NOW IS NOT THE BEST TIME!  We are not afraid.  I am so proud of us.  We have worked really hard to get our financial house in order.  Now the fruits of our labor are being realized.  AND HAVE NOW BEEN SNATCHED OUT MY HAND.

You know my crazy behind is going to be posting pictures of the construction right?  I'm straight scrap-booking this whole event.  *** Speaking with a straight face***  PppppsSssT  TASHA I'm gonna need your Circut ASAP!!  GUESS YOU DON'T HAVE TO WORRY ABOUT POSTAGE.

I will want to look back at it, I'm sure, because right now it's so hard to REALLY enjoy this process.  Awe I'm kinda getting emotional y'all.  THIS PART IS TRUE.  RIGHT NOW IT IS TAKING EVERYTHING IN ME NOT TO JUST GIVE UP.  I FEEL LIKE I'VE BEEN KICKED IN THE GUT!  I CAN'T EVEN EXPLAIN THE DISAPPOINTMENT MY CHILDREN ARE FEELING AND LORD KNOWS THAT IS KILLING ME.  WHICH IS WHY I WILL NOT GIVE UP.  I MAY MISS THE TAX CREDIT BUT THAT DOESN'T MEAN I STILL CAN'T GET A HOUSE IT JUST MEANS I WILL HAVE TO WAIT A LITTLE WHILE LONGER.

Speak on it....

House Hunting

Looking for a house is proving harder then I thought.  The ones I like are either under contract or short sales.  What's a short sale you may ask?  It sounds like it would be easier wouldn't it?  Well it's not!  It is home buying, contract holding up, bank red tape HELL!  WHY WHY WHY???? Some of the pretties homes I've seen are stuck in Short Sale Hell.  So I've got to be vigilant!!! Be on my toes and keep an eagle eye out. O_O
I just peeped a new listing on the MLS and emailed my Realtor ASAP!  Wooh I am exhausted!  Not to mention I really need to get a move on in the packing department.  So much to do and I am feeling the crunch.  Mind you I will be making NO decisions without the go ahead from Dre.  We have our parents blessings even if they were clenched teeth given.  So I feel really good about this and I am sure we'll fine "the one".

Speak on it...

Home Onwership

I am excited elated at the new I got yesterday.
So let me give you the back story 1st!

My husband and I have been trying to decide if we want to buy a house or move somewhere else and kinda start all over.  New city, new jobs, new people.  I was excited at the possibilities for us if we did.  I'm a half glass full kinda chick and my poor dear sweet hubby is a half glass empty kinda guy.  I love him but he can make "what if" suck the life and joy from something QUICK for me.  So after looking for some jobs and him seeing that he really needed to go back to school to get certified in some of the 'new technology' that has been developed since he graduated college we decided to stay put.  Not that I mind I'm just glad we figured it all out.

OK so now that you all are caught up ....

Friday 3/5/10 we went to the bank and applied for a loan.  Us not being sure what we'd hear, not being sure what the process is ... well we were a little nervous.  We are 1st time home buyers.  I was in the military and was told I qualified for a VA loan.  Mr. Bank Man loved hearing that but he needed to check some database and see if I did, for sure, qualify and how much money they would loan us.  OK .... so we left and now we wait for his call.
I was hungry.  I get hungry when I'm nervous.  I know bad habit.  So we are at the Waffle House, hubby's suggestion, and I get THE CALL.  I was APPROVED!!!  VA loan, 100% financing, NO P.I.M. and 5% interest! Wooo Hooo
He sent us the information and our PRE-APPROVAL LETTER (yes I'm hollering this was a big deal for me) and told us to get house hunting.

So off we go on the hunt.  THIS is my favorite part!  Not so sure about hubby but I know he's happy too.
Here we go y'all on this journey to home ownership.  You know I will keep you informed of all the good, bad and the ugly.

I am floating on air right now

Speak on it ....

And the Award Goes To ....

Is so proud of my friend Monica Mingo ..... Filmaker and housewife extraordinaire!!  You go girl!!  CONGRATULATIONS!!!!  This lady rocks in all ways possible.  Everything is hush hush right now and I can't wait to hear more about her film.