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Today we are going to meet with a friend's dad who works in home loans to find out how much we qualify for. I know what we can afford and what we qualify for are two different things, so skip the lecture. πŸ™‚

Truth is, I am very scared that we will not qualify for enough to be able to purchase something anytime soon. This will be due to the fact that I am now basically ‘self-employed' since I'm only doing freelance right now. For self-employed individuals they want record of the last 2 years of income to include it as viable income towards loan qualification. So basically we will only be able to use E's income to base this off of.

I'm scared. Although I feel very blessed to be able to live the way we are now, rent free, to save money- I am so very ready to get our own place. As much as I've grown more comfortable over the last three months, I still don't feel like this is my home. I just want to have a place to call home with my husband, and the fact that this possibility is hanging in the balance is terrifying. I am the kind of person who can't calm down and doesn't feel settled until everything is in its place. We've been here three months, and there's still boxes everywhere and not even half of my stuff is here. I just don't feel settled and I hate that feeling.

Yes, we could move out and get an apartment just to be on our own, but we're able to save so much more being here, as well as pay off some lingering debt that we have. It would just be a stupid decision, financially, to do so. But for the sake of my sanity? That's another story. The possibility of not being able to buy something for 2 years makes me want to cry. Of course if I am able to find a full-time job that would help our chances- but I've been applying for things like crazy with no responses. Very discouraging.

I guess what I'm sayin' is- please pray for us today! πŸ™‚ I'm hoping God proves me wrong and today is the start of a great adventure! But if for some reason things don't go the way we hope, please pray for peace and patience for my heart. Because I'll definitely need it. πŸ™‚

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About Jessica

Jessica is the creator of The Budget Savvy Bride; she launched the site in May of 2008, shortly after becoming engaged. Jessica has been recognized as a budget wedding expert by various media outlets and continues to share realistic inspiration and actionable tips to help brides save money on their weddings. Google

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  • sgdish

    I’ll keep you in my prayers. Buying a home is such a big deal and very exciting. Keeping my fingers and toes crossed too!

  • Jen

    I will keep you in my prayers. I know how tough that can be. I just bought my first house in June and luckily when we get married he will move into my house and we will do something with the place he owns (sell or rent). Good Luck today!

  • Good luck! We are going through the same process – although we haven’t started talking about how much someone is willing to loan us. We have definitely started looking and figuring what we can afford – good luck on taking the next step!

  • Praying for you Jessica!

  • Honey, I hear you! It is really scary to realize we’re becoming adults and are responsible for things like mortgage payments, but as a first-time homebuyer myself, I just kept praying that the Big Guy would send the right thing, in the right price range, at the right time. And guess what? He did! Hope all goes well…

  • jenifriend

    God is good and don’t you forget it! He will give y’all the castle of your dreams when He is sooo certain you’re ready. Listen to His calling and trust in it; He won’t steer you in the wrong direction!! We searched for a home for SIX MONTHS until we found the perfect house for us, and the entire time we lived with my HTB’s mom. It wasn’t luxurious, and it was super duper stressful to live out of boxes, but we made it work because we knew something very special lay ahead of us. I’ll be praying for you!!

  • Shanna

    I’m right there with you on the sanity issue. We are living with my husband’s brother for the very same reason right now and I am going CRAZY!! Hope the meeting went well. We are staying at sub par jobs just so that we will show that long work history. House buying is quite a process! Praying for you =)

  • hope it went well jess!!!! i know it will all work out.

  • Lauren

    I am praying for ya, girl! I know how you feel. I’m getting my information together to take to a loan officer, and I have this feeling the bank is NOT going to be impressed, seeing as I am also self employed and a recent college grad πŸ™ Let me know how it goes!

  • Hey now that the honeymoon is over we’re in the same “house buying” boat…good luck! What an exciting (and stressful) time!

  • Nicole-Lynn

    It will all work out for the best.. crossing my fingers for you!

  • Lisa*Marie

    How did it all go? Did you get pre-approved for something?!?! We need an update!

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