Hello everybody, this is the husband hijacking the Blog for a bit. So don't read this unless you have Delta Green clearance or better ;p

Money is a funny thing, in general you are pretty happy when you have extra money. But you really never think about money costing you anything. But yeah apparently we made just a little bit to much money last year, and because of that we can't get into this awesome mortgage program our bank offers for first time home buyers. Instead we have to go with a lame normal mortgage loan. What is superduper lame is because of this we are going to end up paying more per month for our mortgage, and we have to put more money down than the amount we are over the programs cap. So basically because we did well last year and had just a little bit to good of an income, we are going to end up paying more for a house. Sigh....

On top of this because of the sub-prime crisis mortgage interest rates are going up really fast. Yesterday we could have gotten %5.85 interest rate, today that jumped up to 6% at breakfast, and 6.125% by 4pm. And from what our mortgage lady told us today, it may go up to 6.5% or more tomorrow. Once things settle down we can likely refinance, but still things are kinda crazy in the home buying market right now. And the mortgage companies are freaked out because of it. Oh well its still all worth it, because at least we are paying off property, instead of paying somebody else for the privilege of living on their property. Plus the house is really pretty :)