Our plans in moving here was to live here for just a couple years. That way Dan could work a bunch of overtime, so we could get out of debt. We were planning on no more than 18 months more. Well that has changed. We have decided to stay about 5 more years. We really love it here. The town is nice, we adore our ward at church (Go 3rd Ward!), and have tons of friends, the school that the kids are going to/will go to is phenomenal. So weighing those options against our reasons to move back sooner like we planned, it changed our minds. We will after 5 years move back to the Sacramento area. We still don't feel like putting permanent roots here, as it is too far south for our liking (we wish we could just pick up the whole city and move it north more).
Since we had decided on staying longer, we thought we would go ahead and take advantage of the buyers market in homes. The prices have come down so much, that we thought we could go ahead and invest in a home now, instead of waiting until we moved. Well it has been more of a challenge than we imagined. No banks right now are accepting 100% financing, and we don't have and are not willing to put 3-5% down. Especially when it would only save us about $50 a month on our loan payments (completely ridiculous, imo). There is a way to get a loan through the Feds, but we don't know if it is worth the hassle. We aren't desperate to buy a home. We have a lovely home now, that we rent from Dan's parents. It is perfect for our needs, with more than enough space. It just would've been nice to invest while the prices are so great.
What I don't understand is with the market being so bad, it seems stupid to me that they are so unwilling to work with people. Especially when said people have awesome credit scores, fantastic pay, and job security. Oh well, we'll see what happens. Either way, ya'll are stuck with us for a bit longer than you thought. ;p lol
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