Wow...After a lot more research and talking with a loan officer, I found out on Thursday night that I do in fact qualify for a loan, and my credit score was not near as bad as I thought it might be. I was only scared, because I have more debt than I'd like to have, but I don't ever pay late, so didn't expect problems there.
I filled out an application online and had a response back to me in less than 2 hours, that I was approved (pre-qualified) for a loan up to a certain amount. I wanted this before I searched for a Realtor, cause I didn't want to find something and not be able to get it, and I wanted to know my price range and how far to go, and how to not stretch myself to far.
I had begun my search for Realtor's earlier this week, but since I waited till I heard back from the loan officer, I didn't start contacting people till friday. I called someone and also sent an e-mail to another person. Didn't hear back from them. So after a drive by some houses I found on my own on friday night...I drove by the realtor office and found out they were open on saturday's. Saturday afternoon I headed up there and just asked to speak to someone. They had someone working for a few hours to be available and she began to help me. Her name is Joy, and she knows her stuff. After her shift was over at 2pm, we went right on out and started looking at houses. We looked at 5 yesterday and then another 3 today (2 new and one again). I found one I really like, and it has an unfinished basement, but there is already a contract drawn up on it...I'll keep looking, I don't want to get into a bidding war. The next step is to wait until mid week when more houses come on the market. It's hard being patient, but I know if it's meant to be, it will be. More later
Love
