I WANNA STAND ON A MOUNTAIN TOP AND SCREAM!!!!1

[kristanmae]

SO WE CLOSE ON OUR HOUSE NEXT THURSDAY THE 15TH AND WE GET TO MOVE IN FRIDAY THE 16TH! IM SOO EXCITED!!! I CANT WAIT. AND OUR HOUSE PAYMENT IN $1300.00 A MONTH! YAY!!!!!!!!! :) HAPPY HAPPY JOY JOY! I LOVE YOU BILL FOREVER!!!!

Comments

[shampoo_neko02]

Wow, that's an exspensive house payment. o(゜□゜）o How much did the house cost?

Congrats!!!

[kristanmae]

thank you ma'am. yea its alot but it includes taxes and insurance so we dont have to pay it at the end of the year. although we are thinking of taking the taxes off the mortgage. and we did 100 percent finiacing, which means we didnt put any money down. and we got the house for 160,000. you guys will have to come over next friday and see the house. and the funny thing is, its right behind papa! but it has a nice big yard and its only five years old. so i cant wait

[sexy_wolfy]

Congrats on the house! But I have to forwarn you that be prepared for the real world now. Shannon was telling me about you guys closing on the house. Stay close to pops in case ya'll need anything. When all the bills hit you it sucks! It's alot differnet than living for free. It's a good thing Bills' dad got him hooked up with Pepsi because the amount that Shannon told me you guys are going to pay for a morgage is an inormous amount. I had to show Shannon how to buget money really really good to surive

[kristanmae]

thanks! well because we bought from a prevously owned home, it usually gets down where the seller pays all closing cost, so they have to pay all the closing cost, so thats a good thing, but we did give them a 1000 dollars good faith money. but i thought you guys went through the ship program which gave you a down payment on the house? i could be wrong, but thats what i was told. we had to do 100 percent finacing so thats why our payment is alot and ours include our land taxes, does your mortgage? but yea thank God for pepsi, but bill bust his ass there. its not too easy work. but thats what we gotta do. well we move in next friday, so give us a call.

[sexy_wolfy]

Oh ya thats good,with are house we only paid 100 thousand for it. It was 130 thounsand but the ship program is differnt it pays of a procentage of your home it doesnt help you with the closeing coast. If you fall into a income braket then your in and the income braket also goes by how many kids you have, the more kids the more you are aloud to make a year befor taxes. If I recal you could make like 40 thousand a year depending on how many kids you have and still get into the program. The ship paid the 30 thousand off so are house was only 100 thousand. We had to fork up a littel over a couple thousand for closeing out of what used to be my saveings ,close to three for closeing. The ship program is hard to get into and takes classes that Shannon and I had to sit in for hours and it takes alot of paper work. We had to drive to Palm coast over to Jax for all this. It was alot of work its for people that are considered low income trying to get a home in St.Augie. You and Bill I know could of got in if you all have good credit , Shannon

[kristanmae]

I didnt even try with the ship program because we made too much money to qualify for floridas first time homebuyers, and thats above the ship program. yea im glad we dont have to pay for the closing cost. i wanted to do it where we pay the taxes at the end of the year but our mortgage company wont let us do it for a couple years. homes are way too expensive around here. but we got a good deal for what we got, with the house and the land, a backyard is real important to us, because hunter loves to be outside and so does bill.(i prefer the indoors) yea you gotta go to jax to make good money. im going to get a nursing assistant job here soon, i just have to take a 4 hour cpr class. but i really like working at winn dixie, im not making good money though. so i might as well put my cna license to use. buying a new house, is one hell of a learning experience!!! i cant wait til its all over!