At the bank we got the really old and really slow teller lady who was oozing of germs. We explained our situation to her and asked to have the 2 stop payments processed, then we were planning to have a cashier’s check cut in place on the 2 stop payments. Easy enough right?

Well for starters the old teller lady was hacking up a lung the entire time we were trying to tell her what we needed which didn’t help her hear or understand what we were wanting.

I was sitting right across from her trying to hold my breath while she coughed and sneezed her germs all over us.

We explained it all about 6 times before she got a grasp of what we needed so that meant more coughs and sneezes for us to enjoy!

N was getting pretty annoyed and on edge about it all too. The whole time she was handling our documents her nose was running and she was casually wiping it with her sleeve and breathing/ coughing on her pen (that she later passed to us for use).

Normally I am not a germ freak and I have a pretty strong immune system but I am freaking pregnant folks! And I refused the flu shot (which I do every year) and any other shots that expose myself and baby to unnecessary things. So I am not loving this germ ridden encounter with really old, slow and very sick teller lady!

N wanted to ask for someone else to assist us. He also wanted to tell them to send the poor sick woman home already, she needed to rest and recuperate… She probably would have been offended though but what are you supposed to do? When I was a retail worker I remember a few times where customers spoke up for me and I appreciated it… N bit his tongue though and let her keep helping/ germ assaulting us.

I only ever get sick once a year, max and I don’t take pills or get shots to prevent illness. I sometimes have allergies or headaches but full on flu or other sicknesses skip me somehow (knock on wood). Still, your immune system is weakened by pregnancy and being sick while pregnant can be a pretty uncomfortable thing since you aren’t allowed to take anything. I haven’t been sick yet and want to keep it that way!

Anyway, I got assaulted big time with germs at the bank yesterday, now I am chugging OJ! Thought I would share that with you.

Today we’ve been pouring over legal documents and I think my eyes are going to bleed. We are on round 3 of the lease/ purchase agreement for the new house. I just typed up 2 different mutual release documents to get out of our lease, one of which will be signed and executed Friday when we meet with and pay the slumlords.

We are also reading up on tax and home buyers intensives in addition to researching IRA funded home purchase rules, mortgage options and Indiana closing cost info. Fun stuff huh?

But hey, we got our house and we are so outta this shit hole! Now that bank teller better not have gotten me sick…

The post Um, hi! Can you spray your germs somewhere else, please? [*warning* graphic snot pic ;-)] appeared first on Updates from Ryder Family Farm.

So, we did look at a home we liked today! I mentioned it yesterday briefly (I was trying not to get my hopes up). Well today we saw it and loved it. It is actually a home similar to ones we have already toured. The catch is this one is $200 less that those other homes like it AND the owner is offering a lease purchase option.

It is smaller than we would like but it is newer, clean and could possibly be OURS! Here is a photo of the front of it.

The layout has the master bedroom upstairs, loft style overlooking the kitchen.

See that round window at the peak of the roof? It shines light in to the master bedroom.

There is a master bathroom upstairs also, then there are two rooms downstairs in addition to another full bathroom, the living room and the kitchen.

The other great feature we love is the sun room. We’ll use it as an office. Yay we could have an office and a nursery for Tater!

All in all we like it, it’s not the 4 acre farm house we have always dreamed of owning but it is a good first time home that is livable immediately and gives us the possibility to gain some equity for that future purchase of acreage and a farm house.

We are going to get in to hashing out the nitty gritty details with them soon. For those of you just tuning in we couldn’t get financed thanks to some credit report errors and a student loan that is almost back in positive status (1 month to go baby!)… So we’ve been looking at lease/ purchase options in case something fitting comes along. Renting and throwing your money away is just sucky…

Anyway, the gist of it all is that we will have to make a big down payment on the place upon moving in, then we’ll be allowed to lease the home from the owners for a set period of time. During the set period of time we are working like crazy to get our credit in order and to keep it all looking good for the mortgage company, then we will apply for a mortgage to buy the home at the end of the lease term.

The cool thing about a lease purchase option is (a percentage of) the money you pay while renting, plus any down payments made come off the total purchase price of the home once you do get your mortgage and buy the place.

It is nice because then you are leasing a home but not totally throwing your money away since some (or all of the money paid, depending on the contract terms) will come off the total purchase price of the home.

Say we agree to lease/ purchase a home for $112,000 and the owner agrees to apply 100% of our $5,000 down payment towards the purchase of the home, that brings the home’s purchase price to $107,000.

Then if we are given a 12 month lease option and $775 of each month’s rent goes towards the purchase price of the home we’ll be paying another $9,300 towards the total purchase price during the 12 months of leasing.

This knocks the price down even more to a whopping $97,700 when it is time to get that mortgage. Pretty sweet huh?

So, yeah we are pretty happy that the owners like us and are willing to consider the options with us. It is looking like the possibilities are good with this one but it is not set in stone yet.

Oh, we still have no idea about the status of our current lease but are basically just planning to leave anyway. I am almost certain our crappy landlords have voided the lease with their failure to address issues we’ve notified them of. If we need a lawyer to prove it then we will get one!

So yeah, that is the news. Yay for positive prospects (it’s about time)! Oh and my choir buddy, Scott MacIntyre made it through to the top 12 on American Idol. I am so happy for him, he deserves it! Way to go Scott!!

And…. it seems we should be getting ready for those “easter bunnies” afterall. Our rabbit, Maybelle is building her nest and is acting funny. I’ve got the camera ready to capture those little baby bunnies, now who wants one? Seriously I can’t keep them!

The post We are holding our breath because we may have found OUR house… appeared first on Updates from Ryder Family Farm.