My wife and I have lived in our home for roughly 11 years now. Now that we have four children, WE WANT OUT.
It's a nice home, don't get me wrong. It's three bedrooms, and roughly 1000 sq ft. It was built by a hippie in the late 60s (read: he was either high or drunk at the time), and we've sunk a LOT of money into this home to get it renovated where it's actually pretty nice inside. There's still probably about three thousand dollars worth of work that still needs to be done to it, but that's OK. None of it is critical.
But it's only 1000 sq ft. And WE WANT OUT OF IT. Six people and three dogs is a little much for this house. We are living on top of each other.
So, about a year ago, we decided that we really needed to start thinking about moving.
Well, on Sunday, we found the PERFECT house for us. Five bedrooms--so each of the Cub Reporters would get their own room--three bathrooms, massive MASSIVE house that I know we don't have the furniture to fill... It's absolutely perfect for us.
It's also a bank-owned home. Some poor family couldn't keep up with the payments, and they were foreclosed on. I do pray for them.
Anyway, this house is a fixer-upper, but it's in the right neighborhood, with the right schools, etc. etc. etc. And it is MASSIVE.
We want to buy this house. Really, really bad.
Unfortunately, we can't make an offer on it until we get pre-approved for the loan. I know we WILL be pre-approved for it, as it's not much more than our annual salary. And, typically, a home loan is easy to get when it's that close to your annual salary.
The only problem is we can't get the guy who is "working on" our pre-approval to actually work on it.
The house has been sitting empty for two months (there's a reason for this--it needs about $10K worth of work done to it), and no one has put any bids on it. Why? Well, the house market is crap right now. Truth be told, I'm worried about us selling our house. But that's not the problem right now.
I *need* to get this pre-approval so the bank will know we are serious about this house. It's like a gift from God Himself.
Yet this guy will not crunch the numbers to get us this pre-approval.
He told me it would take him about an hour to get it done.
He's had all our information for 24 hours now.
I'm a nervous wreck.
I need a drink.
I need a sign. "Sold" would be perfect, if it means that we're the ones buying it.