So just to alert everyone my house buying experience has been going VERY BAD.

Lender is very very TIGHT, and is really dragging things out and make me jump through hoops.

It has nothing to do with my income, or qualifying.. it has to do 100% with the HOUSE, what it has, where it's at, etc... Oh, and it's appraised for 50k more than our loan amount, ya they are STINGY.

So, that's why I've been away lately to much to deal with between that, work, my own work, and my brother just getting married.

Crazy last couple days, and crazy weeks in the past and more to come!!

*KEEPING FINGERS CROSSED*

Hope to see ya`ll more soon

Just keep at it and hopefully in no time you will be in it.

Thanks.

I've suspended updating live entries until we get the house, hopefully it makes sense and will be even clear once I make the posts go live

-Todd

Good luck....BTDT....Ah the joys of home ownership...LOL

We decided to rent a place in Denver for the next year. From our talks with the local realtors there, it sounds like the housing market will continue down for at least the next twelve months, and home prices should fall to something more realistic than they still are today, as those who are or will soon be on the market sit through the dryspell of lending and get a little antsy next fall.

Then, I will either buy some land and build my fortress, or find someone else's fortress and get it for a more reasonable price. My pay didn't get adjusted from Florida, and my rent will be the same, but the house I moved into is bigger and better than what I had in Florida, so already I am getting more for my money. In the meantime, I can continue to replenish my funds that were exhausted this year (unplanned family expenses cleaned me out worse than the wall street fiasco ever could've). So I figure in a year I should have enough cash on hand to make a good down payment or buy a fair chunk of undeveloped property.