Home Loan: Fix Your Credit. Qualify. Buy.

Qualifying for a Home Loan can be intimidating. It seems like an impossible feat at times but it’s not! Everyone can qualify with these tips. Here’s how we did it.

Home Loan How to Fix Your Credit Qualify & Buy

Owning a home is an iconic American Dream. Unfortunately, it’s one that we’ve learned to feel is going to be forever out of our reach. Everyone has to work for it, unless you were born with that silver spoon! For the rest of us, here are the tips that enabled us to achieve our dream of home ownership!

While we haven’t paid it off yet, we are on the path! You can get on this path too!

When we decided it was time, we weren’t quite prepared. However, in just a couple of years with hard work we were able to not only be ready, but to buy our first home!

Qualifying for Your Home Loan

Home Loan: How to Fix Your Credit Qualify & Buy

First step: Check Your Credit!

Everyone is entitled to a free credit check. Run the check and get yours. Don’t be intimidated, it’s the perfect way to find out where you stand. Whether it’s super low or not, it’s not an ending. Only the beginning! It’s easy to freak out and give up, but don’t. That score will not smash your dreams of qualifying for a home loan!

On that Note…

Step 2: Fix it!

If you have things on your credit hurting you, think before you act! Don’t immediately get out the check book, know that simply paying off old debts is not the answer. Every time something on your credit is touched, it adds an additional 7 years to be on your credit. Even paying something off will leave it as a negative mark for another 7 years. Doesn’t make any sense, but it is what it is right?

Getting Negative marks off Your Credit:

There are two Ways to get things off your credit without them damaging your credit further: Pay for Delete and a Goodwill Letter for Late Payments. Click the delete for form letters you can utilize.

With Pay for Delete, you are basically, you are sending a certified letter to the creditor with a promise to pay a portion of your debt in exchange for them to completely remove it from your credit report. Just make sure that whatever you offer, when they respond you have the cash to mail that check!

Goodwill letters are for when you have some late payments on your credit. It’s a letter to your creditor (such as credit cards, personal loan collectors, utility bills, etc) to let them know that while you hit a rough patch, thus causing a mistake in your payment history and would like to both assure and promise that it won’t happen again. Thus, you are requesting forgiveness shown through it being removed from your credit. This one, we did not try. I’d love to hear if anyone has had any success with it.

Step 3: Work History

One thing you want to have when searching for your home loan is a good work history. It reflects to creditors that you are responsible and that you are stable. If you run your own business, don’t worry. There are actually people that specialize in this, such as this company that does loans for self employed loans Tampa! It’s always out there, you just have to look!

Step 4: Savings!

While everything is going on, make sure your savings are adequate. Save up not only a significant amount to put on the down payment, make sure you have enough saved for unforeseen expenses when you purchase your home. We ended up having to live in our rental for longer than expected due to those fun little surprises. Make sure you have plenty in the bank, not to mention it looks great to creditors that you’ll have a security to help ensure you can pay your mortgage payment!

Step 5: Research Your Options

Getting the credit fixed may take some time, but that’s okay. You want to make sure that whatever loan you go with fits your families needs. For crying out loud, do not EVER get a loan where the interest rate can change or where you’ll have a balloon payment! After a few years, if the interest rate you’ve gotten isn’t working just refinance. But at least you can budget effectively!

How to Make Hairspray

Hey Everyone!  Here is a great little recipe to make your own hairspray!  No more harsh chemicals in your beautiful hair!  Plus, it’s way easier to breath when you spray this one!  LOL.

Light Lemon Hair Spray

2-4 lemons


Slice the lemons and cover with water in a pan. Simmer for 1 hour, adding more water as it evaporates. Let cool, then strain. Pour the lemon liquid into a pump spray bottle.

Makes 2 to 3 cups.
Shelf life: About a week refrigerated.

Read more: http://www.care2.com/greenliving/natural-hair-spray-recipe.html#ixzz27IQJE4QQ

Originally posted 2012-09-27 05:00:00.

Apollo Surprise Box: Perfect Gift For Everyone! #ApolloBoxInfluencer

Apollo Surprise Box! Full of things custom to your likes and dislikes and did not disappoint! Check this out and you’ll be the best gifting person ever!Apollo Surprise Box! The Perfect Gift for Everyone On Your List! #ApolloInfluenster

While I love surprises, I’m always hesitant about the subscription boxes as I’m not sure I’ll love what is in them. However, I’ve yet to be disappointed so guess it’s time to get rid of that attitude! Definitely a gift for yourself or someone on your list that is perfect!

Apollo Surprise Box

Uniquely tailored to you, the Apollo Surprise Box is just awesome! By answering a series of questions about likes, dislikes, taste and lifestyle they know just what to send in your box! The box received at My Crafty Zoo was perfect! Definitely brought smiles!

Of course, we’ve also had the pleasure of receiving a Valentine’s Gift Box in the past, as well as a Solar System Bracelet so we already knew they would be awesome!

There are four different box plans to fit different budgets. Whether you want to receive your Apollo Surprise monthly or quarterly, they’ve got it covered. Every box comes with product that has a higher value of products than what you are actually pay! You’ll get product valued at 20 to 30 dollars more than the fee paid. No one will be disappointed!

My Surprises!

Apollo Surprise Box #AplloInfluencer

First off, my questions! The Zoo has a love for nature and animals. Especially dogs and anything water! Nature just makes me happy. This country girl loves the water and being in the middle of the woods! That helps so that you know the why as to each product in my Apollo Surprise Box!

Marimo Aquarium Kit


As a demonstration of how perfect this choice was, it’s an item I’d already got for myself! Obviously, I love it! The Marimo Aquarium Kit is beautiful and now it’s in two rooms of my house! This water baby is a happy one!

Marimo is the Japanese name for a green algae that is said to bring good luck! Who couldn’t use good luck!?! In addition, it’s found in only a few lakes around the wor


ld, making it very special indeed! This is a perfect gift for newlyweds, new jobs, college kids and just about anyone! Whether you believe in good luck symbols or not, it’s beauty is unmistakable!

Dog Mom Mug

Apollo Surprise Bos!  Dog Mom Mug #ApolloInfluencerAnyone who visits this site knows a Dog anything fits right up our alley! This mug is absolutely gorgeous! For those on the other side of the fence, they also have a cat mom mug that is equally adorable! Not only is the mug gorgeous and elegant, the box is also adorable! Still trying to figure out what to do with the box! Coffee is definitely on the menu for the mug!

Queen Anne’s Lace Sphere Pendant

Alright, this one is absolutely gorgeous. This little sphere contains Queen Anne’s lace flowers that you can wear anywhere! It comes in multiple colors, and, thanks to the questions, they sent my favorite!!! How cool is that? This pendant is definitely a new favorite! Can’t stop looking at it!!!

Cactus Tealight Candle

The Cactus Tealight Candle is a handmade white candle with a mint Southwestern succulent cactus! It is an adorable little candle that I’m unable to burn just yet! Haha. Too cute to use! One day it will stop being just décor, but for now it goes far too well to accent my space! While I’m not sure what the scent is, it smells wonderful!

Surprise Box Exclusive

The Apollo Surprise Box also included a bonus surprise that this girl can’t seem to find on the website. An adorable little Jingle Bell Bag Charm! It’s super cure and is definitely accenting a little festivity on my purse! I love this little accessory! It’s so cute!

Join the Apollo Box For Free Today!

Use Code


For Your Very Own

15% Discount!


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This fantastic Gift is Part of Our 2018 Holiday Gift Guide!

2018 Holiday Gift Guide!

Family Honor Plate: Give the Gift of a Priceless Memory

Holiday shopping for grown children with families is a beast, but the Family Honor Plate will solve that for you!  You’re welcome, you may now stop stressing about shopping!

I have heard from more than one person that shopping for people is impossible, especially once they have children and families of their own!  With a family of adult children, shopping for gifts gets more expensive and more difficult each year!  That is exactly what and why I love about the Family Honor Plate!

Even if crafts and DIY are not a thing in someone’s household, the Family Honor Plate makes it so easy that anyone could do it!  With easy to follow direction, the Family Honor Plate contains everything one needs to not only make an awesome family memory, but also an heirloom that lasts for a lifetime!  From experience, it is known that these are the things that are forever held close to our hearts.

The Family Honor Plate contains:

1 Ceramic Honor Plate

8 colors of paint

3 paint brushes

7 Discussion Starters

1 Painters Palette

1 Plate Stand

The really cool thing is, with all the correct tools in hand, not only can you make amazing memories with family but it can be baked and sealed in very easily!  The plate can actually be eaten off of so no need to have a plate collection or use it to decorate; it can be a daily reminder of the fun that was had and the values that were learned!  You won’t be sorry and neither will any recipient!

The Family Honor Plate can be found all over the place!

~ Website ~ Instagram ~ Twitter ~ Pinterest ~ Amazon ~ Facebook ~


Originally posted 2017-12-05 12:40:02.

Silent Night: Old Favorite. New Book!

Silent Night is a classic Christmas song, the book tells the story just for the little ones with beautiful drawings, simplicity and joy!

Silent Night: An Old Favorite In a New Book!

You know the song, it’s sung every year at Christmas time and learned so very early in Sunday school! Silent Night has been put into a simple hardback book for children to enjoy year after year!

The simplicity of the book is perfect for little one’s who still haven’t quite developed a long attention span and even great for the older little one’s! The word’s of the song combined with the images really bring the story to life in a whole new light!

Silent Night

Silent Night: An Old Favorite in a New Book!

One of my favorite things about the illustrations of this book is that Jesus, Mary, Joseph and many of the others depicted are not Caucasian. We know from His heritage, location and such that Jesus would not have been blonde headed with blue eyes, as so often He is depicted. Can you imagine the sunburns He would have had!?!

The people are depicted in various shades of brown and the angels in various racial colors. It’s awesome that the artist didn’t stick to one ethnicity for all pictured! We are a mixed family here. From the moment we found out we were pregnant, the search was on for books that would have characters with skin tones from both sides of her family. This one would have been perfect!

About the Book: From the Publisher

Silent Night: An Old Favorite in a New Book!Silent night, holy night
All is calm, all is bright

Celebrate the magic of Christmas with this beautifully illustrated book, based on the world’s best-loved carol. Rediscover the Nativity Story in all its glory – from quaking shepherds to heaven-sent angels – as the song lyrics are brought to life on every spread. The world’s diversity is reflected in a cast of characters with a range of skin tones. 

About the Author:

Lara Hawthorne

Lara Hawthorne is an illustrator based in Bristol, UK. After graduating from Falmouth University in 2013 where she studied illustration, she has had work shortlisted for the Lowry Children’s Book Award and has written and illustrated Herberto, a picture book published in Portugal, Brazil, Slovenia, France and South Korea. Her other books include The King of Christmas, Carol Ann Duffy’s 2016 Christmas poem, published by Picador, and The Night Flower, published by Big Picture Press.  Through Betty & Dupree, her prints are distributed to shops throughout the UK and internationally.

Quorto Knows Books

Website ~ Amazon ~ YouTube ~ Twitter ~ Pinterest ~ FB ~

Now the Giveaway!

Silent Night: Have Yourself a Merry Little Christmas Giveaway Hop!

Thanks for visiting us!  I hope you’ve found some amazing things in this awesome hop!  I want to give a huge shoutout and thank you to Chatty Patty’s Place and Review Wire Media for putting together this amazing hop!

After you enter here, be sure and check out my other giveaways!  Check out the amazing gifts along the hop!  Check them out!


Silent Night: Have Yourself a Merry Little Christmas Giveaway Hop!

This Book Is Part of Our:2018 Holiday Gift Guide!

Wordless Wednesday #25

Is your throne crowned????  Lol

Originally posted 2012-09-26 05:00:00.

5 Ways to Make Yourself #Smile & Blessings List

Okay, I don’t know about you but I have a tendency to get aggravated for no flipping reason.  For example, I have recently noticed I severely hate change.  To the point that my first reaction is to get mad.  Yeah, I know.  BaD!  So, I thought this week we’d do 5 ways to make ourselves smile.

1.  Do something totally ridiculous.  For example, if you see someone staring and they just can’t seem to stop, stick your tongue out at them.  It will make them stop staring, I SWEAR, and instead of getting annoyed you’ll laugh at yourself.

2.  Make silly faces in the mirror and compliment yourself.  If the sheer act of doing so doesn’t make you smile, then I challenge you to figure out how many faces and/or compliments it takes you to get there!  *I’d love to hear*

3.  Hug someone you love.  Not just a short, one handed hug, those are lame.  Hug someone and just allow yourself to take a minute to feel the emotions that come forth.  Works wonders when you do it on a regular basis!

4.  Do something nice for someone.  Whether it be helping an elderly person load their groceries or taking someone a baked goody for no reason, I assure you it will make you smile when you see how good it makes the recipient feel.

5.  Make a list of your blessings.  Not in your head, on paper.  Even if you aren’t in a positive place, force yourself to avoid sarcasm and write down your blessings.  You’ll smile at the reminder, so don’t throw it away when you are done!

My Blessings List:  (A Synopsis)
A God that is Alive, All Knowing, Merciful, and Forgiving.
My Husband.
My Monkey.
My Family.  Immediate and Extended.  Craziness and Sanity.  😀
My Pets.
Our home.
Food in the fridge.
The ability to bless others.
Electricity.  Water.  Clothing. Vehicles that run (most of the time).

What’s your blessings list or how do you help someone else???

Originally posted 2012-09-21 05:00:00.

Earn Big Cash Back on your Christmas Shopping

Earn Big Cash Back on your Christmas ShoppingAs we quickly approach Christmas, Swagbucks knows you still have lots of shopping to do, and they’re offering big cash back for shopping online at several of your favorite retailers right now! Just go to this page to see all of the deals available and get the jump on your holiday shopping.

In order to take advantage of the cash back, just create your Swagbucks account when prompted (it takes less than 30 seconds) and then you’re all set! Your cash back comes in the form of SB points, which you can redeem for gift cards to places like Amazon, Target, Walmart, Starbucks, or get PayPal cash!

As a special bonus, if you sign up through me you get a 300 SB ($3) bonus when you earn your first 300 SB before January 1st! This site’s a great way to extend your shopping budget, especially around the holidays!

Best Baby Shoes You’ll Find!

Baby feet are absolutely adorable therefore they must be well protected and comfy with the perfect baby shoes!  Best Baby Shoes Ever

Momo Baby seriously has some of the most adorable baby shoes I have ever seen!  Finding out I was going to have a new niece or (probably) nephew, I just had to get Baby Daski (pronounced Dah-ski) a pair of these perfect baby shoes!

All cuteness aside, if you can possibly put them there, these baby shoes are not only adorable but they are crazy functional as well.  Made with soft leather, the souls of the shoes will enable baby to learn to walk without harming their little feet.  Little ones need to be able to have natural surfaces to walk on in order to protect their feet and help them learn how to balance.  The soft suede souls will not only enable that, it will keep their little feet protected from whatever we didn’t see on the floor.  They are made with an elastic area around the ankles to keep them on the footsies but it is covered with leather to ensure that they don’t cause a rash.  (I know, personally, elastic irritates my skin.)

Momo Baby says the baby shoes provide comfort, stays on, won’t slip and are easy to clean.  Given that they are all leather and suede, they certainly seem to fit the bill!  Baby Daski won’t be here for a bit, but when he comes, I know these little shoes are gonna be perfect for the little Oosti (pronounced ooo-sti, it means baby in Cherokee).  I can’t wait to hold the little on in my arms, play with those adorable little toes, and watch Daski toddle around in these perfect little shoes from Momo Baby!

Best Baby Shoes Ever! Momo Baby

~ Website ~ Instagram ~ Pinterest ~ Facebook ~ Amazon ~

Originally posted 2017-12-02 08:45:50.

Wordless Wednesday #24

Originally posted 2012-09-19 05:00:00.

Welcome to the Zoo!

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