Or in other words, WHAT THE HECK WAS I THINKING?
I started this little adventure of mine in late January and felt like I truly needed to bang my head against a wall a few times because of the hassles I was meeting from our bank. They needed the POA to be filed, then when it was it took them a week to file it and then I was told that I needed a different type of POA. In the meantime, no one would speak to me about any of it. See...Wall meet Head. *Thunk*
Then a few days ago, I almost literally tripped over new information, and I submitted an inquiry to gather more information. (For those of you who don't know - before a decision is made in this house about large purchases - I research the heck out the item and we make an informed decision.) Let's see, that inquiry was submitted on Tuesday. I spoke with a loan officer and was able to get pre-qualified over the phone. He said he would send me a packet of information that would have a check list of items I needed to gather. I received the packet on Wednesday. I then spent almost 4 hours gathering all the requested documentation and reading and signing/initialing the paperwork from the loan officer. I mailed everything back to my loan officer today and he should have it tomorrow.
Now, that last paragraph almost makes it seem as if there were NO issues. This is the part where I chuckle. Oh, sure...I didn't have any problem gathering bank documents, savings account information, retirement account information...I know where all that stuff is and how to access it. What I didn't have is my husbands social security card. I spent an additional 3 hours turning our current residence upside down looking for it. It is not here. It also is not with my husband overseas. I don't know where it's at and my husband (God love his soul) doesn't realize that knowing where your card is can be critical at times. However; in my search, I did find his challenge coins he's been given, his dads selective service cards, former ranking he's worn, ranking given to him that was previously worn by family members, every single letter I have ever written him, pictures I didn't know anyone had, etc. So I learned that for my husband to not have any type of tolerance for keeping sentimental items, he has a whole lot of them and it made me smile.
Now, we've made it to today. I have a real estate agent who is former military and he personally only works with military members or their families, he does not require a contract to be signed by me stating that I am working with him and he seems like a good egg. I didn't get any weird vibes from him. We met this morning and I received a hard back book of information from him and we went over how the process will go. We discussed our family needs and family wants and have decided that at the beginning of next week, we shall start our journey of looking at homes.
Now, fast forward to this afternoon at 3:45. I decide that I am going to drive to Jarrell and get some information about new home construction in a planned community located there. I took kiddo and off we went. 15 minutes after leaving our house, we were in the new community and speaking to one of the building reps. We went and toured two homes under current construction and I was absolutely left speechless. The first home was nice, but small. The second one knocked my socks off. Now I get to talk to my agent about it and see where things lead. The building rep was pushy and I don't like being pushed about any decision, much less this big of one. So, I'm going to think on it this weekend and move forward next week.
However; right now, I believe I have made the executive decision to either purchase a newly built home with no prior occupants or have our home built.
