Wow! I am soooooo thrilled for you guys!!!! Woo Hoo! They are laughing at me here thinking I am a nut because I am so incredibly happy for all of you that have received your envies! Patty really knows how to put it together doesn't she? I know I have said this before,but I have spoke to Patty quite a few times throughout the swap via the phone,and I know how hard she worked to put it together so well for us,she really puts ALOT of thought into putting our envies together!:) Thank you Patty for bringing so much happiness to this great bunch of people,you really rock girl! :D Nikki,you are so welcome! I received all my seeds via seed trading and gifts from the awesome traders we have here at GW,I have bought a few,but the majority is just from the awesome traders we have here! Many of my seeds I am proud to announce are freshly harvested,all grown from the generosity of others! I am so happy I have an opportunity to pay it forward!:) You can email me anytime with any questions,if I don't have an answer,I will help you find one! You are always welcome here!;) Nancy,you get a special "your welcome"! ;) It was my pleasure really,looking at all these smiling faces(well,I imagine your smiles!;),sure does do a person good! Enjoy your seeds,we will have to trade in the future,we have alot in common!:) Cindy girl,you are a sweetie,that is for sure! It was such a pleasure for me to be able to send you seeds you really wanted! Here's to many more in the future! :) Melinda,hold on tight it is a coming!...lol... Cheryl,I was so happy I had some to send to you! I don't know if you remember,but you were one of the first SASBE offers I received as a newbie. You sent me awesome seeds and were really super nice to me,so it is my pleasure to send little bundles of joy your way! Enjoy them,as others have enjoyed the seeds you were so generous to share with us! :) Carol! You go girl! Sow away! I can see myself in a seed sowing frenzy by the weekend too!...lol...;) Tina you are so funny! I just picture you there packing soil into containers,anticipating what goodies are on their way to you! Oh I cant wait!!!!....lol... I have to say that this swap has been loads of fun,and I really hope there will be a thread started on the Conv. side for us all to get together ,chit chat and have some fun with 21 questions,this is an awesome group of people and I hate to see it end! I haven't received my envy yet,but I know I am going to be just as thrilled as those of you that have received! :) Again thank you Patty!:)

Alrighty, let me see if I can answer you guys in order. NCRealEstateGuy, I gave the buyer all the information you gave me and thank you for that. I am not sure what he's doing with it. I got scolded on here before for trying to help my buyers get a loan. Trying to hold their hands and being too much in their business. So I didn't ask. We are not under contract yet. He called me today to let me know things are progressing. Sweet tea, he applied for the transfer and is waiting to hear. Don't know if he asked his bank about the letter. I suggested it. Yes Bill, the difference is the banks AND the market. Yes, multiple people told me the banks would want more than 20% but that was not for my original buyer. That was for my second buyer. After HE was rejected. After I lost the original buyer, I did what you're supposed to do and I called banks and asked them what they required. I told them I was attracting a lot of out of state people and at least one of them was self employed. They told me what he'd need. They told him what he needed. He got pre-approved. We went under contract. Later what the bank said he needed changed. That's why I lost him. It really had nothing to do with his house NC when it comes down to it. He was not coming out with as much money as he originally expected because of the flood insurance issue with his house. But at first that wasn't a problem. It wasn't a problem until the bank changed its criteria from him needing 20% down and one year's worth of mortgage payments in escrow to 40% and one year's worth of escrow payments, that it became a problem. Now he was short--he could only come up with 35%. The bank knew his whole situation being self-employed and relocating from the start. That was the purpose of the mortgage payments going into escrow. He was not starting a different business, just relocating his same business. But they knew all that. That's the point. We told them. Who knew you couldn't count on what the bank employee says? Now I know. And that's the point of this board. Not to constantly be picked on for being a for-sale-by-owner. Not saying that is specifically you NC. And what do you mean you put your own hardwood flooring in? How long do you think that's going to last? Ha! Funny you should say that live_wire_oak, because no, I don't have a note on my house. I paid for it with cash. All my vehicles except one were either paid for with cash or paid off early. Credit cards paid in full monthly. Yes, you're right, credit is a tool and I use it wisely. I will be paying off my only truck loan asap. I'm the customer. I'm a good customer. I don't really NEED them. I guess if you want to split hairs some buyers might need them. But I don't even really NEED to sell this house. I received more than offers. We were under contract. Why does the word "buyers" bother everyone so much? Okay, let's call them "pre-buyers,"--they're more than lookers, they're more than interested, they're more than people you are negotiating with--you are out of attorney review, you are under contract, but you haven't closed yet. So how about "pre-buyers?" No harm in interviewing realtors because that's what I did before I even put it on the market. There is nothing wrong with my price or my marketing. In fact, I just saw the agent who gave me comps, an expert in the area who specializes in horse property and she could not believe the action I've had on this place. I've been under contract three times, once for the full asking price, twice for close to it ($3,000. under) and I have a fourth one cooking. All in about eight months. I hate sounding like I'm bragging but some of you keep on insinuating that I am doing something wrong because I'm a FSBO. My problem is the banks giving someone a mortgage! I know this is not a vanilla kind of house and I know that's all they're giving out loans for--vanilla houses being bought by vanilla buyers. That's what I'm saying! That's what this post is all about! How the banks are over-correcting and making it almost impossible to get loans unless they are absolutely perfect and there's no risk whatsoever involved! And all I wanted to do was vent about how hard it is nowadays and maybe get some board buddies to shake their heads and say, "I know, it's a nightmare out there." Chrisdoc, I swear I have gotten at least two dozen people asking me if I'll hold a mortgage or rent with option to buy. More evidence people can't get loans. I can't because I'm using the money for my next place. And Live_Wire, the banks can go jump off a bridge because even though I could afford a mortgage, I'm not getting one.

We went to the farm store yesterday and got a bunch of fresh picked tomatoes, red potatoes and corn on the cob. Absolutely wonderful flavor. The corn was some of the best ever. Tonight we will have country style ribs grilled, sliced tomatoes, corn and steamed Brussels sprouts. I love shopping the farm store. I bought a little watermelon and cantelope for dessert.

the craziest thing is today-I'm sitting here, and my daughter, who's birthday is July 4, is first time not with her family, but with her friends in LA where she studies. She's a big girl now, so that was bound to happen one July 4 or another..but yes..I'd say that the craziest thing that I don't really do, but it happens. Happy Independence day, everyone! you're immensely talented (once I made a chocolate cake for DS's birthday..it took me six hours..involved some special thing from the store that cost 40 bucks alone..some essence of something..he asked me excitedly "Will I get it next birthday too?!" "No", I said. "I'm afraid not" Lol)