Life can sure be frustrating.

You know the days where you just feel ...Off. Not happy, not sad, not angry, not content. Just...Off. We met with our Real Estate agent and a contractor to discuss how much a new kitchen might cost with the changes I wanted to make on this house we are considering buying. It's bank owned and has a huge back yard and huge pool. It has great light and a very open floor plan. Problems include, way outdated kitchen (not sure how they made the kitchen look this good in the pics but believe me it ain't that pretty), small bedrooms and weird set up in the master bath. I would be interested to see what It's Lovely I'll take It has to say about the kitchen and master bath situations. She always has a funny/interesting take on property listings. Unfortunately, they didn't provide said pictures to poke fun at. Anyway, I got the estimate and I've felt "off" ever since. I called my girlfriend in Vegas and in passing she gave me updates on the housing market/economy. Not good and getting much worse. I have to admit, this scares me. Thankfully, we have renters. They're taking care of our home, paying on time and at this time plan to extend their lease another year. What more can I ask for really?! My husband called to follow up on what I told him re. the house this morning. Turns out the house already has several offers on it and they're all placed over the asking price. This means the house is out for us. I'm sad but not heartbroken over it. In all reality it might have been too much work with a 2 year old for us to tackle. Frustrating none the less. We've looked at so many homes and they're all too small, too outdated, too costly to update for the prices they're asking to begin with. I learned once again we may be "punished" for other's ... dishonesty, bad luck, circumstances. I spoke to a mortgage expert about our situation. I wanted to find which loan we've been pre-approved for would be best for us. He started by saying, "You and your husband have an excellent credit rating and investment portfolio." However, he followed that statement with a "warning" so to speak. Hundreds of people have been buying second homes only to let their first homes go back to the bank in bankruptcy. Because of this, lenders are now hesitant to issue a second home loan due to the high risk other's have imposed. We have been pre-approved for an VA Loan and a Conventional Loan yet we may not be able to buy the second home we want because of other's "misfortunes" and may be considered "too risky." At the same time, we're being told by our current lenders that they won't help us by extending our current arm for another year or two to help us avoid any financial issues of our own. Would you like to know why? We aren't in trouble. On the contrary. We're trying to be pro-active so that we don't get in trouble financially. But, because we are current on all of our payments and not a "Risk" they aren't willing to help us. How the heck do you win with these people? You try to be proactive instead of reactive and you get told no. You pay all of your bills on time have excellent credit and still get told "You're a risk" due to other's investment and financial failures. NICE!!! Well, I had hoped putting my thoughts on paper so to speak would help bring some insight to my "Off" mood. Again, I am not happy, not sad, not angry, not content. I know in the grand scheme of things our life is good and we are blessed beyond measure. I think I'm feeling the way I do because I don't want to complain but am frustrated. I am thankful for what I have. Thanks for stopping by and reading. I will try to have a fun and/or insightful post for tomorrow.