(an oldie but goodie of Ada and Mama for your enjoyment)
Our meeting today was so fantastic I can't properly describe it all here. The lady we met with was so kind and she was so thorough, it was the fist time I have been able to sit down with someone who could look at our situation, our finances, and really tell us how things looked for the future possibility of owning our own home. Turns out we are so poor we qualify for absolutely everything, and I mean everything! There are a couple of grants we are able to get, along with interest free loans with no payments for 5 years from the city (the Oak City's effort to revitalize downtown neighborhoods and aid low income families like ourselves in buying a home).. FHA loans.. in house banking products. My head was spinning with terminology and acronyms by the time we walked out the door. We can't buy much. We are looking in the $110K range to start. Don't laugh! Seriously! Stop it!!! It could happen!!! I have already spoken with a realtor that works with DHIC and she sent me several links to properties in the neighborhoods we are interested in to get us started looking around. The people we spoke to today were very enthusiastic about our excellent credit and seemed to think that our finding a home in this price range was not at all out of the realm of possibility. I know this is a first meeting.. things could change, fall through, become way more complicated .. all of this will probably happen by tomorrow morning when we go for our last minute Home Buyer Workshop there .. but I am so encouraged. I fully expected for someone to meet with us and tell us to stay the course for another 5 years or so and then come back and lets talk again. We have quite a bit of student loan debt and I wish that wasn't the case but it is. I also wish we had a tidy down payment stashed away somewhere in a giant sock drawer. But we don't and I wouldn't trade Stephen's MFA for love nor money. It was the best thing we have done for his career and it was worth every penny of those loans. I am encouraged. I am so excited. I am so thankful for finding the name of this organization in front of a house downtown. I know there is a reason that the Lord has suddenly given us the desire to be homeowners and I know that He has the perfect home out there for us and we will find it in His perfect timing. Hurrah for meetings that leave you with a gigantic smile on your face that you absolutely can not wipe off! Thanks for your prayers guys!