Tuesday, July 21, 2015

7 21 2015

So a lot has happened since my last house update. We found a house with the perfect location overlooking the lake and had 2,00-sq ft. It needed some updates and was being sold "AS IS". Our realtor suggested we do a 203k loan and get all the renovations done and added to our loan. We put in an offer at full price and 1/2 closing costs. The realtor for the seller is old and very grumpy. He automatically shut us down and said he wouldn't even take our offer to the seller because the house was being sold "AS IS" and would not qualify for an FHA loan. Our realtor tried to explain the 203k loan and he wasn't having any of it. This was on a Saturday. On Monday we had the mortgage broker call the old man and explain the loan to him. He came back and told our realtor that the sellers were wanting to agree to our offer, but he wasn't going to recommend they move forward with us unless we gave him our credit scores. My this time I was beyond pissed! I told Al there was no freaking way in hell I was giving this man my credit score. So we had our realtor write an amendment to our original offer stating what he was doing was not acceptable practice and we were not providing our credit score to him. No answer for another few days. Our realtor calls him back and asks if he received our response and of course he said no. He then says that he would be acceptable if we sent him two different approvals for above the listing price on the house. Well we were already accepted by three different lenders, so we did send the approval letters. He then states he never received an offer from us (almost a week later with no answers from first offer). Then hangs up on our realtor. Finally last Friday he said the sellers accepted our offer, but we had to pay our earnest money to him directly. We had until yesterday at 5 to respond. After talking and thinking all weekend, we walked away from a house we loved and had so much investment potential. We basically told him we were turning him into the real estate commission for not acceptable practice and we would not pay him a dime directly and then we walked away.

I am not sure about others who have sold and bought a home, but I handled the stress of infertility so much better than this crap.

Last week I ended up in the ER for what I believe to be the worst panic attack I've ever had. My whole body felt like it was on fire. I was nauseous, cramps, sweating, heart was racing at 150bpm. It was insane. They did do blood work and said my thyroid was abnormally high. I am waiting to get an appointment with my doctor, but they are booked up until mid August.

To top things off, poor Olivia is on her 3rd ear infection. She has been on two different antibiotics and it is still here, almost two weeks later. Her pediatrician called and they are referring her out to the ENT. I am just waiting to hear back from them.

Oh well this is life :) Wish I had a better update for you guys. Oh, I have been working on the girls 1st birthday party and I was so proud of myself, I made a Dum Dum centerpiece!

Thursday, July 9, 2015

House and Baby Updates

In case I haven't mentioned this before, house hunting/selling is the biggest pain the ass process ever! Since I last posted, we lost two houses in one week that we had full price offers on. I am at a total loss here. I live in Oklahoma, not big popular "house hunters" cities that require paying above listed prices and going into bidding wars. I am talking about modest $150,000 homes here. What the hell? As of now, there is nothing on the market we are interested in. To make things worst, today is our home inspection. If things keep progressing on our house, we will need to be out by August 8th. At this point I am seriously hoping that our house doesn't appraise for their loan value so we can stay put and find better buyers. The couple who we are in a contract with now has ZERO cash reserve. They got an FHA loan that pays for down payment and we added all the closing cost to price of the house and they are financing that also. This pushes the price of our house up by several thousand dollars that it will need to appraise for. I am still at a loss why someone gets in to buying a home with absolutely no money saved? Al and I were going to make up for the appraisal if it was within a few thousand dollars, just so we could get out and get into a new place, but now we are rethinking that. I don't really want to spend our cash on buyers that can't afford it. Is that bad of me? I guess one step at a time and we will see how the inspection goes today.

Update on the girls:

Lilah Grace- Oh what a total blessing this little girl is. We had her cardiologist appointment on Monday and she was finally cleared to stop her last heart medication! Although she will never have a normal EKG because of her heart surgery, they said her heart is working perfectly after what she has been through. Her next appointment is in 8 months to check and see how her heart is doing without the medications and if all goes well, we will start having 2 year appointments! She will always be a heart baby and this is a condition she will live with for the rest of her life, and may require surgery in the future, but at least she will have a normal life and play sports etc. Tomorrow Lilah and Olivia turn 10 months old. Lilah is sitting and about to crawl. She is saying Mama, Dada, and Baba. She is now sleeping through the entire night and is such a happy baby. Always smiling and laughing. She loves Mickey Mouse Club House. She is eating baby foods. I haven't started her on table foods yet and probably won't for a while. Still no teeth, but getting close. She weighs 12lbs 4oz.
Here are a few pictures of my sweet Lilah Grace:

Olivia June- Oh Miss Olivia, where to I even begin? This girl keeps up on our toes at all times. She is a total momma's girl and is learn to give hugs and wet kisses :) Now when you walk past her, she will lift up her arms (hey pick me up). Sleep training has been an absolutely dream and both girls are sleeping throughout the whole night and taking their naps throughout the day. Olivia also loves to steal toys from her sister. She is sitting up and has been for a while. She is trying to crawl, she has two bottom teeth and eats baby food. I started some finger foods with her like, bananas, avacado, sweet potatoes, peas, and some carrots. She seems to like baby food better though. She weighs about 13lbs 9oz now.
Here are a few pictures of Miss Olivia June:

Here are some with both girls:

I am still planning their 1st birthday and it is coming together nicely. I can't wait for it to get here! I've been told by many people that I shouldn't be spending so much money on a birthday they won't ever remember. Well this birthday is for me and it is for the 1st year of my girls lives. It has been a long battle of heart surgeries and prematurity with long NICU stays and we are celebrating a huge milestone. It will be worth every.single.penny and more.