So I've been pretty good. Yesterday I filled out the pre-approval application for the lender I picked, and yesterday evening and today I've been hunting down income and asset documentation and emailing it to the lender person lady. (One more email, and all we have to do is wait on the 2009 W2 for my dh's former employer. I'm pretty impressed with myself.)
But then she sent us the disclosure of estimated things that we will have to pay for closing. It included everything possible (i.e., an HOA letter, which we won't need because we won't have an HOA, and an estimate of homeowner's insurance that sounds higher than it would be through our current insurer, and so forth), so it's definitely higher than we'd pay in real life. (Oh, plus she based property taxes on the current assessment, which will plummet as soon as the house has a new sale price.) But the total came to around $12,000. I know it costs some to settle a house, and we could get seller help (we shall see), but that number is without a down payment, and with the VA funding fee financed (rather than paid up-front). So that's a lot.
Anyway, I had a brilliant idea: I would do the online pre-approval application for USAA (the second-best rate people), and then try to compete them against each other. But the USAA application costs $50! I'm happy to pay $15 for a credit check, but $50 seems like a lot. Is it? And should I pay $50 just to have a basis of competition?
Also, I ran 3.5 miles outside yesterday. I was supposed to run inside today, but somehow, it just didn't happen. It has to happen tomorrow, and Friday, or I lose some of my exercise days. Also, it means I still have to do my run. And it's so cold and I don't want to run outside tonight. But I have to. That, and the sewing, and the grocery store run, and the early bedtime - my whole evening is shot and it hasn't started. I hate when that happens.
Oh, BTW, still no fertile CM. I'm on CD18. My dh leaves town in two days. And my scale has apparently decided that it will concede I have lost weight (just a little at a time) only on days I have not gone running. Stupid scale.