All Cried Out

I'm not quite over my pitty party just yet but "I'm All Cried OUT"...I am mourning the loss of this house and my job all at once.  It was a bit much to take.  I asked my hubby "why does it always happen?"  I mean we will get to a place where we are doing well here and something life changing will happen and mess us all up.

Several years back my husband was diagnosed with diabetes.  He was VERY sick and was out on short term disability for 3 months to recover.  He gets back to work and the co. he gave 10yrs to fires him after being back 30dys.  In those 10yrs he had NEVER received a bad review, never been written up.  He couldn't find a job.  The economy was tanking. 

About 1yr later he finds a GOOD job working for D.E.L.L.
As their store manager.  He was feeling better about himself.  He was running thangs.  I was proud of him.  BUT after 15 months of having a store they close it down.  Poof no job.  He couldn't find a job.  The economy was in the crapper. 

So I get a temp job while Dre was running his store.  It became perminate because I told them hubby lost his job I need the benefits of a full time job.  I need health insurance.  So they offered me the job and I took it.  As the economy and the housing market tanked they started letting people go.  It was mass layoffs.  I was the last hired so I figured they would chuck me.  I should have been looking then.  I made it through the 1st, 2nd and 3rd round.  I thought I had made it.  Then yesterday happened. 3/18/10.  I.WAS.LET.GO.

So all the house hunting and prep. must have been a test run for the real thing.  When ever that is. I am trying to keep my head up and press on.  ALL.MY.LIFE.I'S.HAD.TO.FIGHT!!!
And I'm going to keep on fighting. 

Speak on it ....

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....

Colour Me Excited

I am on cloud 9 right now.  We have foud it.  Our new home.  Our 1st house.  This is a blessing indeed and I am so so so greatful to all my family and friends for the support shown.  I will keep you updated as we proceed.

Speak on it...

House Hunting - My Realtor Got To Go!

So my house hunting experience is pretty good with a few minor exceptions like ....  I am highly stressed, my face is breaking out like I'm 13 again and  I don't really like the Realtor I chose.  So thankfully my wonder-hubby was there to save the day and keep me from going all ape sh*t on HER azz. 

DO NOT STAND ME UP!!
DO NOT CALL ME LIKE I SAID A DIFFERENT TIME! 

Twich please you know your azz came at the wrong time.  I HATE when people f-up and try to turn that ish on you by acting like you told them wrong info.  HELL NAW playa.  Ex to the next!  Somebody else just might get that commission buddy.  Besides Dre and I have done 90% of the work anyway.  So I think it's time we part ways.

My co-worker has a dude she worked with.  She likes him.  I may give him a call today!

If you've bought a home.  How was your buying experience?  Did you like the Realtor?  Does it even matter?  Should I cut her loose or just roll on and let the heffa get a commission.

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...

Help!

Boy oh boy looking for a house is hard work!  I am mentally exhausted.  I mean I got e-mails flying from my broker and e-mails from my Realtor with MLS listings.  I hope we find something we can both agree on soon.  I'm pooped and going to soak and get to bed.  It's raining here and that's some good sleeping weather. 

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 ....