Update about the house

Bad news first. We got a call on the 24th about the house. Mike got it, to be accurate. He was sitting at lunch with his parents when he heard back that the stupid fuss over the two year old PAID bill had lowered our credit score and when they re-ran it, we no longer qualified for the loan. This was devastating by itself, but then we realized two of the three home inspection costs were worked into the 30 year mortgage and since we no longer had the loan, we would have to pay those back. Several hundred dollars. Insult to injury, as far as I was concerned.
We have turned in our notice and broken the lease, heck we've even SHOWN the house to prospective buyers. The price of the home we're in currently living in has dropped significantly but it's still too high to allow us to buy just the land.
The mortgage broker told us that with our new lower credit score, we still qualified for a loan, but it is a different one, through FHA and not USDA and it requires $6225 down. We have nowhere near that amount available to us, we know no-one who would. Fortunately we had signed an agreement to extend escrow to the 29th, so we had 5 days to find the money/funding.
A co worker asked Mike how the house stuff was going and with a short explanation he got them up to speed. Then he joked "If anyone knows a way of making $6225 in 5 days, be sure to let me know."
His boss, leaving very soon for a business trip that would keep him away two days past our time limit, took him aside and wrote him a check.


Yes, I'm serious.

We never would have thought to ask him. Even if we had, if would have occurred to us later that night or the next morning - after the boss was gone. I was so happy that Mike said it was best for all of us that the boss was already leaving town, lol. I might have attacked him in joy.

SO ..... Mike called our mortgage broker right away to tell her to apply for the FHA loan ASAP because we had the money. At this stage all we can do is wait and try not to think about it falling apart at the last second again. Good and bad news all in one - we only have to wait til the 29th to know for sure. After that, our agreement is no longer valid.