Yep, it finally came to pass - we closed on Monday. I am a homeowner!!!!! I feel so blessed because I have to say that the entire process was painless and could not have gone smoother. Never a single glitch. No conditions, no exceptions, not even any questions. My seller paid $6000 in closing and on closing I actually owed $1000 less than quoted. Not a bad surprise! Both my realtor and lending officer were absolutely wonderful. I was truly blessed with both of them. I have heard so many horror stories here that I didn't know what to expect, but the Lord shone down upon me in this and I have to say that my strongest impression of the whole experience was - that was fun, can we do it again?
The only fly in the oinment was when I tried to mail in my 2008 tax addendum. I was going to send it in on Monday after we closed, and my ink cartridge dried up. Okay, so I was going to mail it the next day - had appointments and things to take care of all day long, so planned on stopping by the post office before closing. Got there at 4:50 - and for some strange reason they close at 4:45 instead of 5:00. So I actually didn't get it mailed until today.
I have to say that I owe part of the "smoothness" of the transaction to the myfico board. One example, the house that I bought had been through a previous offer that fell through at the last minute. Because someone here had posted about getting to closing and having an earlier FHA case number assigned to the house, I knew to give that information to my loan officer; subsequently, we bypassed that problem at closing. There are other examples of information that I gleaned from this site that truly helped me. For that, I thank you one and all.
I have been a busy beaver the last couple of days. Electricity was turned on yesterday, water will be turned on tomorrow, cable/internet/phone has all been scheduled, ordered the new frig, and have placed an order for the few pieces of new furniture that I need. Have appointments scheduled with a contractor, exterminator, and a couple of others that I can't think of right now. (The contractor is adding a new handrail to the bonus room and building an outbuilding for my pups.)
I'm absolutely exhausted, but I'm having the time of my life. I hope and pray that each of you looking for your own home will find your joy fulfilled quickly and with as little trouble as I had.
SilverBerries
Congrats!!
Starting Score: 668
Congrats to you Hon!! May you feel in 2 years the way I do now. I walked into MY house on May 31, 07. 2 years later, I still LOVE my home. As I'm coming up the street after work & see that lovely porch sticking out under MY shade tree...I just feel so blessed (just like you said).
Enjoy your place!!! You've earned years of happiness there! 
