I'm a homeowner

I can't  believe I actually made it to this point. The last week has been sitting on pins and needles. Waiting. Hoping to be approved. Hearing nothing. Getting denied. Having my parents step in to act as the lender. And actually still closing on time. Crazy doesn't even begin to describe it.

I'm a homeowner.

It totally doesn't feel real. I'm still living in my apartment that I've lived in for 5ish years.  I'm waiting for the renovations to get started in the new place and I'll be moving in all of my stuff over later in the month.

I've hired a contractor and the plan is: demo the bathroom then sand, stain and refinish the floors in the entire home. Then I move in all of my crap and leave for vacation. Then they finish up the bathroom while I'm gone. Mr. Cupcake will be there to oversee when I'm not there. I'm hopeful that those updates can be made for under $8,000 which is a tad higher than I thought it would be. That stuff needs to happen now though. Redoing the floors is a messy job, so it's better to do while there is no furniture in the house. There's only one bathroom, so I'll have my apartment for a little while and then I'll still have Mr. Cupcake's house, so I can pee and shower. Later down the road once I have time to save and have a more stable job situation, other updates will be made.

Mr. Cupcake has seriously been soo amazing during this entire process and I think he might be more excited for all of the projects than me. I feel like I have a partner in this and it's such a good feeling.

Today I'm grateful for: our first dinner in *MY* house. We had a floor picnic with take out from Whole Foods and Mr. Cupcake brought Champagne!

Days until Homeownership: 1? The unknown...

It's still up in the air whether I will close on this house. Yup. The closing is supposed to be tomorrow. The bank agreed to re-evaluate my job situation, but the employment agency I'm working with told me that they legally have to say that I'm a contingent worker. I haven't gotten word back yet from the bank that I'll be denied, but I can't imagine them giving me a mortgage after the stink they've made about my employment situation. Have I mentioned that closing is supposed to be tomorrow?

I'm working with my lawyer and my dad to figure out a plan B, an alternate way of paying for the place and hopefully closing near when we were supposed to. Guys, I'm so freaking lucky that my parents have their finances together. If the mortgage falls through, they are coming up with the money to help me pay for the home in cash. It's not a gift; I'll have to pay them the mortgage payments and interest. The ultimate goal is for me to get a mortgage with a bank, but that will probably have to wait until I get a full-time, permanent job. The lawyer is going to draw up those documents as soon as we get the denial from the bank.

You guys can't believe the amount of stress I'm under right now. It's making me physically ill. I'm just waiting. And distributing information... to the lawyer, to my parents, to the real estate agent and the title agency and to Mr. Cupcake. Any time something happens, it sets off a flurry of emails and calls that take me away from my work. Not the best...

I want this to be over.

Today I'm grateful for: Mr. Cupcake. He's been my rock through this whole thing. I really love him.