Enchanted, Enraptured, Embalmed...

...with mucho apologies to the Three Stooges, but it pretty much describes our whole home issue right about now.

After a one week period in which we were contractually obligated to buy a house (but had no lender,) and after many scurrying of emails between our realtor, our broker, and the new lender...we now have a lender. And it's not First Unethical Bank of California, but the bank that bought First Unethical Bank of California, so that's not precisely ideal from an ethical standpoint. But at this point...if we want the house (and we do) we sort of have to roll with it.

The newer wrinkle, though, is simply this: the downpayment assistance program we qualify for has its own set of guidelines, and we may (or may not) meet those...and we won't find out about that unti this coming week. And if we do meet the guidelines, we may not qualify for the maximum amount of downpayment assistance.

Oh, and the new lender has been slower than snail trail in getting us a good faith estimate---this is crucial because he's quoted us a mortgage price that makes both of us question what numbers he's using to make this all happen.

So many things are up in the air, and sometimes, it's (unintentionally, I'm sure) funny. Like the revelation that at least one calculation has my husband and I not having enough debt to qualify for downpayment assistance. With one car, two credit cards and a student loan debt hairy enough to be mistaken for Sasquatch...we don't have enough debt?!?!? Good grief. :-/

But it's like our realtor said (and I tend to trust her over our broker---they're married, but he's sort of...well, an idjit at times): everything thus far is fixable and so far, we're on track. So we just have to keep plugging along.

I'm tired. Rob's tired. We knew this whole "buying a house thing" was going to be a rollercoaster, but we could have done with a little less drama. :)