We have been looking for FOREVER, made a few offers, and finally, an offer got accepted!  On March 7, 2014 we will officially be home owners.  The house we got is perfect for us too.  It is 3 bedrooms 2.5 baths and a brand new construction.  Our yard is pretty small, so not a lot of maintenance, but there is a neighborhood park across the street.  Not to mention, the developer is putting in a trail to the nearby dog park and community sports fields.

We were also able to qualify for a rural development loan which means that we don't have to pay as much mortgage insurance as we would with any other loan, and we do not have to put any money down.  This is a way better option for us because although the interest rate is a little bit higher, our monthly payment is lower than it would have been with any other type of loan.  Now, all the money we have saved that was going to be a down payment will go towards our emergency fund, the time I am taking off for maternity leave, furnishing our house (we have absolutely nothing), and paying hospital bills once the baby come.  It is really a blessing that we were able to get this type of loan!

We are so excited and we have so much to be thankful for.  I can't wait to move in and start nesting!  Only 19 weeks until our baby girl will be here.