Thursday, January 14, 2016

Ryan Says, "Give Us ALL the Money"

Is anyone else finding the most stressful part of this process to be the money? I may have to start biting my nails. Lord knows the stress-eating isn't going to help anyone, and I can't afford it now anyways!

We initially thought we would have access to take a loan from my 401k to help make this magic happen. All was well until I got myself to my plan's website and learned that a loan or straight withdrawal would not be an option. *Insert inappropriate cursing*

So, we had our "come to Jesus" meetings with the NVR mortgage guy and our saleswoman. Mortgage approved, non-contingent (ha ha, yeah right). Ryan willing to work with us with reduced deposit, extended delivery date, a deposit schedule of our choosing, and should we get desperate, financing of the closing costs.

In the meanwhile, we need to do the following:

  1. Hit the $2billion Powerball (which would require a move to oceanfront property in Hawaii, but whatever.)
  2. Ready our house for sale, praying that a sale would net even or maybe even a squeak of profit.
  3. Get out of my expensive car payment into something more affordable
  4. Improve the hubs' credit score a bit by paying down a couple of credit cards and disputing some wonky stuff on his report.
  5. Pay back rest current 401k loan to open up another loan for more $.  
  6. Investigate cheap temp housing options including friends' basements.
  7. Eat only ramen noodles. If we're feeling like high-rollers, maybe also some generic mac & cheese.
  8. Repeat the mantra, "base level carpet will be great!"

Wish us luck. Or, invite us over for a home cooked meal. Please.

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