Mortgages, stamping and 401(k)

I have entirely way too much shit going on right now! We met Sunday with UD, the realtor, and signed all the paperwork to list our house. Then on Monday we met with mortgage guy for the new house. On Thursday, I have to meet with these other finance people to roll over my 401(k) from my old job. Blah. Too much financial crap in one week for me!

This mortgage stuff is so confusing to me, but Jerry seems to understand it all so well. He has really done a lot of homework. We are going to be doing an 80/20 loan with the new house. I'm starting to know what that means. But can I just tell you that what that stupid bitch did to my credit is still causing me headaches because the credit reporting agencies have 45 days from the time the fraud is reported to clear it from your report. Well, 2 of the 3 companies have taken it off, but until the third one does it shows up. Do you know how much of an impact this would/could have on my new monthly house payment?? With the $8,000 debt on there, my credit score is 674. Without that on there it will be in the 700's. This causes a difference EVERY MONTH of $165 in our payment!!!! She is sooooooooooo damn lucky that we found out about this prior to meeting with the mortgage people and reviewing our credit with them.

When we met the mortgage guy on Monday, we also picked out the colors of everything in the new house. I'm so excited!! We will have hardwood floors throughout the first floor (foyer, kitchen, morning room, dining room, powder room) and upgraded California shag carpet throughout the rest of the house. We picked out a linoleum floor for the upstairs bathrooms, and countertops for the kitchen. We upgraded to maple cabinets, and since we did 9' ceilings throughout, the cabinets make even more of a statement. We will have his and her's walk-in closets in the master, a corner garden tub in the master bath, oh and ya know I could go on and on, but let me just tell you this... this house is amazing, and I really couldn't be happier with our choices. Jerry's dad came to see it on Monday as well. Jer's mom asked him to describe it to her in one word, he said, "extravagent." :)

I have my stamp club meeting tonight. Should be good. I've got some cute new projects planned. Next week I'm having a "mystery hostess" party on Tuesday, and I've invited a lot of people outside of the club - trying to get some new blood and get some other people interested in stamping. It is so much fun, and I think for a lot of people it is relaxing and a nice form of creative therapy. Now, granted, I know most people won't become as obsessed with it as I have, but hopefully I can get some new faces interested in learning more. I'd really love to start another club. Maybe after we move - I'll try to recruit new neighbors and maybe some new co-workers? We'll see.

Anyhow, hope you all have a good day!