Thursday, August 28, 2008
Home is where the work is...
The house deal closed on schedule! $450 of my $500 earnest money is in the mail back to me! I spent last night packing and will be painting and packing today and tomorrow. Moving Saturday and Sunday. I'll post pics soon!
Tuesday, August 19, 2008
the tide is high
It's been crazy here... or maybe it's just me. The house purchase is moving along, still on track to close at the end of this month. I hope. Working out termite treatment issues with the seller. And found out that flood insurance will be an unexpected expense - not the insurance itself, but rather the amount (twice as much as anticipated) and the fact they want the entire year up front! I hadn't budgeted for that.
My mom and niece were here for a week, 8/8-15. Then I returned with them to Seattle for my little sister's 40th birthday. Back home on 8/17. Quick trip! But it was worth it. She had a fabulous party.
I have mounds of work to catch up on, too. I've been so distracted lately. Huh... wonder why...
Best wishes go out to all my friends in Blogland and sincerest apologies for not checking in sooner!!
My mom and niece were here for a week, 8/8-15. Then I returned with them to Seattle for my little sister's 40th birthday. Back home on 8/17. Quick trip! But it was worth it. She had a fabulous party.
I have mounds of work to catch up on, too. I've been so distracted lately. Huh... wonder why...
Best wishes go out to all my friends in Blogland and sincerest apologies for not checking in sooner!!
Monday, August 04, 2008
To root or wing or both
I'm planning on getting some new digs... I'd been thinking about it for some time, and just working at cleaning up my credit as much as possible. Then I found out a friend of mine had gotten his RE license and thought, what the hell. I'll help him get experience, and I'll feel comfortable asking him stupid questions. So I emailed him on 7/22, signed a contract with him on 7/23, and got names of possible mortgage brokers to see what I might prequalify for.
I started looking at listings and so did he, without knowing my price range. I also drove around and found a couple houses to check listings on. Finally, a week later he asked me if I was getting all I needed from the mortgage broker. I had to fess up that I hadn't called yet, but it prompted me to do it. I think I was a little afraid... how's my credit in relation to what I need for the loan I want? how much can I get? will they tell me to take a hike? am I really ready for this? how much will I need for a down payment? (cuz I don't have anything, and I need to know how long I'll have to save) Within 2 hours of the call I made, I was pre-qualified for a loan. I knew my price range. I found out about the loan possibilities (F*H*A) and down payment requirements (3%, payable by seller with Amer*idream thru Oct. 1 when that loophole goes away). So we started shopping in earnest. I found a number of listings I was interested in and sent them all to the realtor. He also suggested a few. We made an appt. to go look at some houses last Saturday, 8/2. We looked at 9 houses. One of them really stuck in my head, so we made an offer the next morning (yesterday). I haven't received a counter offer yet, but heard one would be coming. We'd indicated we want to have something by tomorrow, Tuesday, close of business. We also indicated in the offer that we want to close on 8/27.
SO - I may be a homeowner as early as 3 weeks from now, just 5 weeks from when I contracted my realtor. But I'm not counting my chickens, so to speak. I've had enough disappointment to know not to spend time "dreaming" about possibilities. I am really excited, though, and hoping this works out. And if it doesn't, there are 100 more homes in my price range in this area, so I'll likely be a home owner within the next 2 months, anyway. My wild pups need a back yard to run in! And I'd like to do foster-adopt, and am more inclined to do whatever home improvements, changes, etc. to meet state requirements on a home I own rather than one I rent.
Speaking of adoption--kids, not dogs--the one little girl that was a more recent possibility didn't work out. The case worked didn't consider me. So there's nobody on the horizon for me yet. Still. And I can celebrate my 1 year anniversary for adoption certification on August 18.
Speaking of anniversaries, yesterday marked 23 years since I'd gotten married (we were only together 3 years, then separated for 3 before we divorced). Interesting that it was commemorated by my first offer on my first house. Took me awhile to grow up...
I started looking at listings and so did he, without knowing my price range. I also drove around and found a couple houses to check listings on. Finally, a week later he asked me if I was getting all I needed from the mortgage broker. I had to fess up that I hadn't called yet, but it prompted me to do it. I think I was a little afraid... how's my credit in relation to what I need for the loan I want? how much can I get? will they tell me to take a hike? am I really ready for this? how much will I need for a down payment? (cuz I don't have anything, and I need to know how long I'll have to save) Within 2 hours of the call I made, I was pre-qualified for a loan. I knew my price range. I found out about the loan possibilities (F*H*A) and down payment requirements (3%, payable by seller with Amer*idream thru Oct. 1 when that loophole goes away). So we started shopping in earnest. I found a number of listings I was interested in and sent them all to the realtor. He also suggested a few. We made an appt. to go look at some houses last Saturday, 8/2. We looked at 9 houses. One of them really stuck in my head, so we made an offer the next morning (yesterday). I haven't received a counter offer yet, but heard one would be coming. We'd indicated we want to have something by tomorrow, Tuesday, close of business. We also indicated in the offer that we want to close on 8/27.
SO - I may be a homeowner as early as 3 weeks from now, just 5 weeks from when I contracted my realtor. But I'm not counting my chickens, so to speak. I've had enough disappointment to know not to spend time "dreaming" about possibilities. I am really excited, though, and hoping this works out. And if it doesn't, there are 100 more homes in my price range in this area, so I'll likely be a home owner within the next 2 months, anyway. My wild pups need a back yard to run in! And I'd like to do foster-adopt, and am more inclined to do whatever home improvements, changes, etc. to meet state requirements on a home I own rather than one I rent.
Speaking of adoption--kids, not dogs--the one little girl that was a more recent possibility didn't work out. The case worked didn't consider me. So there's nobody on the horizon for me yet. Still. And I can celebrate my 1 year anniversary for adoption certification on August 18.
Speaking of anniversaries, yesterday marked 23 years since I'd gotten married (we were only together 3 years, then separated for 3 before we divorced). Interesting that it was commemorated by my first offer on my first house. Took me awhile to grow up...
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