Christmas came a little early for us

So, there I was, wandering around D&W picking up the food we need for the next couple of days when my cell phone rings. Pam, our loan officer from NFCU, called me to let me know that the appraisal recently done on the cottage we are hoping to purchase had been sent from underwriting to the mortgage department. The appraised value of the property is $11K more than the purchase price and no repairs are needed prior to closing. This is fantastic news as now we can set a closing date. Yep, Christmas came early for us this year!