WE GOT THE HOUSE!! LESS than 2 YEARS OUT!!

[Freddy03]

FREDDY!!!!!!! we ARE HOME!!!!!!!!!!! really HOME now!!!!!!!!

lol!! i'm getting season seaworld tickets....and going to see the blueman show as soon as i save enough money..

Woo Hoo!!!

Hey if you are looking for some "free" Orlando entertainment. We just discovered Disney Boardwalk. Check it out online. It's really nice! The girls loved it!!

[tobee43]

Woo Hoo!!!

Hey if you are looking for some "free" Orlando entertainment. We just discovered Disney Boardwalk. Check it out online. It's really nice! The girls loved it!!

disney boardwalk?????? oh the last time you gave me advise it was the BEST for the kids...we had such a good time with them....even the nemo show at seaworld was great for the little ones....

however, i'm still having pizza issues.........ROFL!!!!!!!!!!!!!

[Freddy03]

disney boardwalk?????? oh the last time you gave me advise it was the BEST for the kids...we had such a good time with them....even the nemo show at seaworld was great for the little ones....

however, i'm still having pizza issues.........ROFL!!!!!!!!!!!!!

Lol!

Here's a new pizza place - Anthony's Coal Fired Pizza! It's the BEST!!

[tobee43]

Lol!

Here's a new pizza place - Anthony's Coal Fired Pizza! It's the BEST!!

is that in orlando?????????

i am dying for PIZZA....good pizza.. i want to go tomorrow!!!! i can gps it ....just GIVE ME THE TOWN!! LOL!!!!!!!!!!

[Freddy03]

is that in orlando?????????

i am dying for PIZZA....good pizza.. i want to go tomorrow!!!! i can gps it ....just GIVE ME THE TOWN!! LOL!!!!!!!!!!

It's right near the Millenia Mall. It's more of a sit in place. Very good!

[tobee43]

It's right near the Millenia Mall. It's more of a sit in place. Very good!

come on freddy...you know i haven't been shopping????? where's the mall...in orlando???? i can look that up on the internet right???

pizza...i NEED pizza...LOL!!

[Freddy03]

come on freddy...you know i haven't been shopping????? where's the mall...in orlando???? i can look that up on the internet right???

pizza...i NEED pizza...LOL!!

Lol sorry. Yes it in Orlando heading towards Seaworld. Not as far as Seaworld. Right off of I4 and I think it's Conway or Conroy. I'm terrible with directions. Google Anthony's Coal Fired Pizza Millenia.

[tobee43]

Lol sorry. Yes it in Orlando heading towards Seaworld. Not as far as Seaworld. Right off of I4 and I think it's Conway or Conroy. I'm terrible with directions. Google Anthony's Coal Fired Pizza Millenia.

i know you...you were teasing me with pizza!!! holding out on me!!

we are going tomorrow....we have to go pick up our neighbors at the airport so we are going to go there and if they aren't hungry we'll take them back and go back out that way again....can't wait!!!...i'm going to gps it.....yes!! thanks!!

[Amy26]

Grats tobee, I know you were really looking forward to that!

So, are you gonna dish on the details or what? How did you get the loan...who through... rates...etc.... you can't just say you got approved without some details. ;) And if its already in another thread I'm too lazy to look for it.

[tobee43]

Grats tobee, I know you were really looking forward to that!

So, are you gonna dish on the details or what? How did you get the loan...who through... rates...etc.... you can't just say you got approved without some details. ;) And if its already in another thread I'm too lazy to look for it.

here's the true scoop...LOL!!!

the house is being 100% owner financed....we had been renting for the past year...i have been negotiating an "option" to buy for about 6 months with this guy. he's an out of state owner and had the place up for sale for 3 years...the house itself is only 6 years old, but was only lived in for 3 of those 6. the owner is an absent and lives out of state....and has been really wanting to sell it.

i sent him a contract in early dec.....with a decent offer really over 30k for what most of the houses have average selling in the neighboring area, but we had no problem doing that since this house has just about a new in ground pool...cage...and extras as well as it's 4 bedrooms while most in the neighborhood are much smaller.... we had been asking him to hold a 15 straight mortgage at 5%.....i would handle all closing docs...and of course upon his atty's review blah blah blah....asked him if he would accept partial down payment via the past years rental amount.......to my shock.......spoke with his atty last friday and yesterday got the signed contract in the mail...overnight!!

good deal all the way around! we are paying the title co., etc., i'm drawing up the mortgage agreement etc. all for his atty to review and approve...it a done deal...most cool!!

[bellows321]

I am very happy for you tobee. My situation is very similar. I am slated for discharge on Feb 28th, and my landlord is selling the house I've lived in for the past two years (never late or delinquent on a single payment). He offered me and my husband first dibs on the place, but we don't know how on earth we could get financing. His realtor met with us yesterday and we told him our entire situation. We'll see how it all pans out.

[Pandora]

I'm late to the party - but wanted to say Congrats to you Tobee

[tobee43]

I am very happy for you tobee. My situation is very similar. I am slated for discharge on Feb 28th, and my landlord is selling the house I've lived in for the past two years (never late or delinquent on a single payment). He offered me and my husband first dibs on the place, but we don't know how on earth we could get financing. His realtor met with us yesterday and we told him our entire situation. We'll see how it all pans out.

bellows! thanks so much...and good luck with your situation! mention the "land contract" possibility that Toby wrote about and what my daughter did with her house she couldn't sell...or better stated the people's credit could not get the mortgage so they wrapped around hers...

i would tell the realtor to "think outside the box".... and best of luck to you!! let us know how you make out!!!

[tobee43]

I'm late to the party - but wanted to say Congrats to you Tobee

you can ALWAYS come late to my party pandora...been missing YOU!!! i know you have been a busy bee... but miss you anyway!!

and thanks!!! we are excited and scared all at once!

[bellows321]

bellows! thanks so much...and good luck with your situation! mention the "land contract" possibility that Toby wrote about and what my daughter did with her house she could sell...or better stated the people's credit could not get the mortgage so they wrapped around hers...

i would tell the realtor to "think outside the box".... and best of luck to you!! let us know how you make out!!!

Thanks for the good thoughts tobee. The most frustrating part about it, is that our mortgage (including PMI) would only be approximately $150 more per month, easily affordable for us, and no extra financial burden. Our homeowners insurance would also be close to what we pay in renters insurance as well. Having to find a comparable place is going to mean a lot of extra $$ in rent (we lucked out in our current place, it's nice w/o being crazy expensive). We love where we live, we like our neighbors, and are hoping for a case of extreme luck and fortune.

I'm doing 'woot' guy here for some positive thinking.