We made a family pact that when we found out the results of the loan process that we would go to Cheesecake Factory to celebrate with dinner and a piece of cheesecake. Or, we would go to the Cheesecake Factory for dinner and an entire cheesecake apiece to drown our sorrows. Either way, it was a win-win.
It was a night for celebration! Angela called her parents earlier in the day to share the good news. Angela and her mother went through every picture of the virtual walk through on Ryan Homes' website. They waxed philosophical about decorating choices and the size of the house. Her father was also very excited with the progress that his little girl was making after Angela told him the good news.
|We were so excited that we wanted to celebrate!|
Later, Bryan was able to tell his friend, Armond, who had by far the most excited response of anyone. He was practically jumping through the phone. It was great to have such support from friends and family. Angela was able to share the news with her friend, Mary, and her siblings. The phone calls were going out like crazy. It was a great night.
February 22 - If you have seen Independence Day then you could imagine this date to be on a similar title card with that foreboding sound. This is when we learned that, sure, we were approved, but it was "with conditions". Emi had a little different tone with her congratulations message. It was a congratulations with some qualifiers. We had been approved, but there were still a few items that needed to be resolved before full approval could occur and closing could happen. Way to swipe that rug out from underneath us -- now, you understand why I talked about the Underwriter in manner that infers that he may, in fact, be he who walks behind the rows.
Well, here are the things that we still need to resolve:
- Bank statements that show where the closing costs are originating.
- Homebuyer education course.
- Tax transcripts
- Student loan information [Grrrr!]
- Recent bank statements
- Paystubs for 30 days prior to closing.
In the meantime, we took another trip to the old homestead to find...they leveled the ground. Our big mound of dirt was gone! We are another step closer!