And then it hit me. We could use the tax credit for our down payment! We'd have to get a short-term loan of $8,000, use that for the down payment and closing costs and then pay off that loan when we get the credit from the government. I talked to my parents about it and they said we could just borrow the money from them, which is even better since most banks don't like it if you're borrowing any of the down payment. So, now that we've found a way to actually get the money for a down payment and our bank has pre-qualified us for a loan, we just need to find a house.
A week or so ago, during the time that I was pondering how to get money for the down payment, I was driving home from somewhere (don't even remember where) and I was looking at the houses along Kellogg. About a mile from the exit that I take, there's a sound barrier wall along the highway and just on the other side, you can see the second story of houses in that neighborhood. I'd noticed those houses before (many of them were brick and looked pretty nice) so I decided to go check out the neighborhood. I exited, took a couple rights, and ended up among the houses that I had seen. And lo and behold, there on the corner was a for sale sign (realty sign actually) for a house, pointing farther down that street. I turned right again and drove down to the house with the realty sign in the front yard and saw an absolutely beautiful house. I immediately knew that we had to try to buy that house. Since then, reality has set in and I realize that there's a good chance we may not get that house but Daniel and I went to see it on Monday night and he really likes it too. It has new hard wood floors inside, new roofing (Daniel was excited about that), a nice backyard, a garage, a basement, a good-sized kitchen, etc. and it's in a pretty nice neighborhood. This Saturday, we're going to see some houses that are actually outside the city of Wichita, but I think that, if we don't like any of those, we're gonna try for that first house.
Anyway, if you follow me on facebook, you'll see each step as we move forward, but I'll try to keep my blog up-to-date on what we're doing too. I'm so excited!