The waiting game...

Well our contractor, Mark, is suppose to be taking our stuff to the bank this week actually he might have already done that), but now we are waiting.  It is so hard knowing it is so close.  We filled out our per-qualification stuff last week.  Now we are just waiting for the bank to do their thing.  The have to do a paper appraisal, meaning they take our plans and the contractors bid and look at the other homes in the area and come up with a value for our house.  Then we get qualified for a loan and then they will loan us either 80% of the appraisal or 90% of the contractors bid, which ever is less.  Most commonly it is the appraisal, but that is because contractors usually bid high just in case.  Mark made his bid to reflect the most expensive that it could be, meaning everything could be top of the line or we can decrease that number quite a bit if we go cheaper on certain things.  For example, in his bid he put in a aerobic system instead of a septic system, just in case our dirt won't "perk" (whatever that means) but its more expensive than just a plain septic system.  Also he bid in oil rubbed bronze fixtures, but the are the most expensive right now, so we can cut costs there.  Anyway that is how it kinda works.  I really have no idea how all of this works, I am just along for the ride anxiously awaiting the word from the bank so we can get this thing started.  Loy told me that my job is to do lots of research and find the best price on all things.  Good thing I am going PRN at work next month cause just researching all this stuff will be like a whole other full-time job.

Anxiously awaiting time to start we walked over to the future home place and dreamed.  We talked about the best place to set the house, which trees would go and which would stay, where the dogs yard would be, the garden, the back yard, and just tried to envision the whole place.  I hope that my dreams become reality and that we can put it all together.  I know it will take many years and lots of hard work and as much as I would love for it all to be done as soon as we move in, I am looking forward to working on it and making it just the way we see in our dreams.  Still need to take pictures.  Was going to do it last night, but forgot my camera in the house.  Next time...