Another Night

I called this morning to see how Makenneh was...all was well. I told her that she could either bring her home before my dad leaves for work or I would pick her up after Jeremy gets home. Well, just before Jeremy got home, i called her to tell her i would be there to get Makenneh as soon as jeremy as was home and she was sleeping! She and Makenneh were napping. I told her that Id be there when Jeremy got home. She said, well call first. WTH??? I said...is grandma keeping her another night? Yeah! So, Makenneh stayed another night with grandma. She was being sooo godo and the bugger hasn't mentioned mommy all day! Mom is bringing her home in the morning on her way to the doctor!

Update on our Loan:
Yes, it's still in the process. Our loan Officer, Jamie, found a lender that will work with our minimal trade lines, personal Verification of Rent and all that. The catch - they have a minimum loan requirement. The house we want is only 49,900. They require at least 62,000. Soooo, Jamie has to talk to the sellers and their agent to see if they would be willing to give us cash at closing. This is what we would do: do a loan for 62k, pay the sellers 49,900 for the house, closing costs and then get back the remaining amount. Usually, buyers aren't supposed to walk away from closing table with money. That's why its at the mercy of the sellers and their agent. The other catch: They require 80/20 instead of a 100% loan, meaning, they will only finance 80% of the loan and we would have to do a seperate loan for the rest of it. So, that will give us 2 payments but still the same amount we would be paying if it were one 100% loan, if that makes any sense at all. Another little thing (ok not so little) is the house has to appraise for 62k in order for the loan to go through. On a good note, the guy Jeremy rides to work with, lives right down the road and his house appraised at 120k and its pretty run down, nothing special. So, hopefully it will all work out, and we will have extra money to pay off debt, get new carpet and paint and any other little things we need for the new house! Hopefully it works out!