Home buying for ...

For some time now I have been asking Erick to talk to a professional about what we need to do, really need to do, to be home buyers. I asked and asked til I was blue in the face. He just wasnt ready. I looked online and did some research. I showed him my numbers but that didnt work for him because I only had the internet and a book we bought ages ago as a guide. I am not well versed in buying a house. So once again I would suggest we speak to someone who is. This little back and forth has gone on for MONTHS.

Finally, after talking with friends. I mean really talking openly about money with friends Erick listened and decided that just talking with a professional wasn't going to cost us anything more than a little time. Erick called and we set up a meeting. Erick had given the consultant some details on us and the consultant told us what to bring in. We left the boys for the morning and had the talk. The man we met with was very nice and personable. He explained EVERYTHING (even the things I had said I had researched). He walked us through every option. In the end the option he thought would be best for us was the exact same option I had told Erick about. He did tell us that we could be approved for more if we wanted but we decided to stick to the numbers we had already discussed. We let him run the numbers and actually put us in the computer. We found out that all of our credit scores are AMAZING (think right at or over 800). In the end we walked out with a letter of pre-approval and Erick feeling much more comfortable. We decided to hold off on actually entering contract or buying anything. We could but we dont want to be house poor and would perfer not to touch our current savings because you never know what could happen. So for now we are putting savings into high gear (without becoming bitter about it). We hope that after our taxes are said and done we will be all set to actually aggressively look in the spring so we will be able to close in the summer of next year.

We talked to a buyers agent just a few days ago. They have a really cool site and it allows me/us to make comments on houses and they agent to see them. I can save searches and he can see that too. This is what we will be doing for the next few months while we save so that next spring when we actually go to look he will have a great idea of what we want in addition to what we have told him.

I know to you all this may seem like an very boring post but to us this is a very exciting time. Now to go roll some more change LOL

Lots of pictures

Whew now I am all up to date again on video and pictures

Lote of videos

Little Monsters

If you at all noticed the lack of posts it is because I no longer have 2 sweet little boys. I have MONSTERS. They are taking joy in driving me batty. Limits are being tested. They both like to wait til my back is turned to do something (usually the thing brother just got in trouble for). I am having difficulty keeping them out of the books, and DVDs as well as off of the table. EVERYTHING is a jungle gym. And if they can get to the top before I can make them get down they proudly put their hands in the air and yell "tada!" I have to keep telling myself that it is just a phase. BUT let me tell you correcting the same thing 20 times in 4 mins is not fun. Naps are spent recovering or trying to get as much housework as I can seeing as it is no longer safe to do anything wile they are awake. Bedtime Is spent cleaning up from dinner and spending time with Erick. So I am sorry for not posting how smart, cute, talented etc my kids are at this time in some time but right now I think they are MONSTERS. Now it is off to bed because they seem to think 6 am is a good time to wake up now.

Dentist

Today we took the boys to the dentist today. Erick took some time off (just a few hours) so that I wouldnt have take the boys on my own. Thank goodness he did.

The dentist we took them to specializes in kids. They were great. The waiting room is amazing. It has all kinds of toys, TVs and video games. As soon as we got there Ethan pooped. This caught me off guard because both boys have been loyal afternoon poopers for a few weeks. So silly mommy left the diaper bag at home. I did however have wipes with me because I keep an extra stash in the car. So my plan was to go to the bathroom, clean him up, clean out the diaper and put some tissue in the dirty diaper to protect his bottom just long enough to make it home. This plan would have worked if he hadnt at that exact moment been called back to get pictures taken of the inside of his mouth. By the time the photos were taken and he was in the computer he STUNK. I get him into the bathroom and there is no saving the situation. My only recourse was to let him go comando and pray he didnt pee everywhere (he didnt).

The verdict:
Both boys teeth are great. Both have some teeth coming in. Ethan's front teeth need to be flossed because they are touching. They got floride coated on teeth. Other than that brush 2x/day and come back in 6 months. The boys got balloons and Wall-e electric toothbrushes. We got asked to tell our friends to bring their kids in because they would like all kids to be seen around age 1. Overall it was a great visit.