We received an update on the status of our loan pre-qual, but nothing is final yet. It’s taking a bit longer than was originally estimated due to some behind-the-scenes negotiations taking place.
So far, it’s gone down like this: our loan broker gave the construction lender our financial details and then asked for more money than we need (to the tune of $370k). The lender countered with an offer to give us slightly less money than we need ($290k) AND required that we have a co-signor on the loan during this part of the process (it wouldn’t be during the entire mortgage, just for the construction part). They claimed that this was due to our lack of assets (which is reasonable, given that we don’t have a lot of cash on hand right now.)
HOWEVER, a crucial piece of the puzzle was missing during this conversation. Part of the reason that our liquid coffers are rather empty right now (aside from all the reasons listed in the above link) is that we tuck a decent pre-tax portion of Noah’s paycheck away into stocks and a 401k. Somehow, our reasonably-sized nest egg was totally skipped over during this conversation until I asked about it after our broker filled us in on how things stood.
So, now he’s gone back to the lender with what turned out to be a kind of surprise bargaining chip (I like to imagine him calling them up and asking “how do you like them assets?”) and now we’re… waiting some more.
:::IN THE MEANTIME:::
I have to say, I am awfully curious about you, dear readers. Aside from family and friends and those who comment regularly, I have NO IDEA who in the world is reading here.
Like any blogger worth their salt we have Google Analytics set up, as well as the general site metrics provided by WordPress. I can see what posts get the most pageviews, how many clicks we get per day and various other miscellany, such as what search terms people use to find us. Usually it’s simply various spellings of “prairie” (prarie, prarei, praeri, praire), but occasionally we get some odd ducks. Once somebody landed on our page after searching “what are the dirty problems in the bus” which made me laugh, another time someone found us via “slumber parties by shawn long” which made me puzzled.
However, all that info still doesn’t give much insight into who you are and why you read here (because I promise we don’t do slumber parties or know Shawn Long).
So, introduce yourself! How’d you stumble into this little corner of the interwebs? Are you here simply out of good old fashioned nosiness? Do YOU hope to build a home some day and are curious about the process? Do you wish we’d post more pictures of the bus? Do you wish we’d post LESS pictures of our dying plants?
In return for you sacrificing your cloak of anonymity, I am willing to offer up the opportunity to ask any questions of US that have been nagging in the back of your brain. Maybe that’s not exactly fair because it’s kind of an unspoken offer that’s always there, but in case you missed that implication: HERE IS YOUR CHANCE.
Wondering what in the world we plan to do in our tiny space once our fourth beeb arrives in November (because, omg, ALL OF THE NEWBORN THINGS)? Curious about what we miss most about living in a house (since we’ve already told you what we DON’T miss)? Want to know whether the kids have finally reconciled themselves to our current lifestyle? Dying for details about our solar set-up and what we can run off just one panel? What we’re going to do with the bus once we’re living in the house? Or do you simply want to know if we’ve read any good books lately (Hint: the answer is yes)?
I know that coming out of lurkdom can be a bit intimidating, so I will make it super easy for you. Here is a comment template that you can feel free to use and modify to your liking:
Hi, my name/alias is [FILL IN THE BLANK APPROPRIATELY]. I found your blog through [ ANOTHER BLOG/SEARCH ENGINE TERM/LOCATION OF BATHROOM STALL DOOR WHERE THE URL WAS WRITTEN]. My favorite [COLOR/CORNY JOKE/BOOK/KIND OF SANDWICH] is [INSERT COLOR/CORNY JOKE/BOOK/SANDWICH]. I love reading about [INSERT SUBJECT OF YOUR CHOOSING], but when you write about [SOME OTHER THING] I find myself [CLICKING AWAY/THINKING TERRIBLE THOUGHTS ABOUT YOU/CRYING FROM BOREDOM/BANGING MY HEAD AGAINST THE WALL IN RAGE]. Since I have this opportunity, I would love to know [INSIGHTFUL QUESTION(S)]. Thanks!
Or, you know, say whatever you want. It’s a free country.
All right, I think that’s everything on this end. Now it’s your turn.