Through a bit of emailing and phone tag I was able to get in touch with the guys helping me do my mortgage. The great news came in that the final appraisal went well and everything that needed to be fixed checked out! I can breathe a sigh of relief that I won't need to continuously fork over $150 to a person to look at peeling paint. (Yes - that is what I had to pay an extra $150 for. Buying houses can suck.)
The not so good? The mortgage underwriting department needs more information from me yet again. I keep feeling like there's a breakdown in communication between everyone who works under that roof.
Note to everyone: when buying a house, go in with the attitude that NO ONE is looking out for you. THEY WILL TELL YOU THEY ARE. They are not. Ask questions all of the time, get clarification every step of the way, and don't be afraid to be a pest. I have found that one person will email you asking for information. Another person will state they never received it, but only because they never inquired with the original requester...who still in fact has your stuff. My appraisal came through today but I wouldn't have even known that had I not called because no one thought to let me know. I've been stressing for almost a week over it! (What can I say, buying a house is making me feel very poor.)
Hopefully I can gather everything I need tonight and spend my lunch break tomorrow scanning papers in and emailing them to the appropriate parties.
Since I moved out of my parents house years ago I've only lived in apartments. They served me well as a single girl because I could always count on someone to do the repairs and take care of the lawn. If you find the right place they are really cheap as well.
As time has gone on I've actually gotten pretty sick of living in them. The snow removal part is okay, but otherwise I've realized a few things:
1. I REALLY want a garden. Like really bad. And you can't have those on an apartment lawn. And quite frankly you really wouldn't want to. Every complex I've lived at sprays the grass with weed and bug killer. I want to be more connected with being outside again so apartments just aren't doing it for me anymore.
2. You can't customize nearly as much as you'd want to. I move often (once every 2 years) and it's not very pragmatic to paint walls because in a very short time you will just spend the time painting them back white when all you want to do is move and get in to your next place. I can't change fixtures, change the layout, paint cupboards, or anything fun!
3. There's no sense of pride and ownership with an apartment, and there isn't much of a sense of community if you aren't there for long.
So based on the above (and more) my boyfriend of three years and I decided we had house lust and really needed to finally pursue getting something. At this point, our offer has been accepted on a place we want and are just doing that annoying waiting process that comes with buying a house.
There've been a few bumps on the road. We fired 2 realtors before finding a really nice one who will actually WORK for us. (The first one couldn't find time in her busy social schedule to show us houses. The second was subtly rude and never found houses for us. We did all of the leg work. I was calling trying to find out details on a house when I spoke with our now-realtor. She asked me why our realtor wasn't doing that for us and the rest is history!)
The house we're trying to purchase is over 100 years old. I love the beautiful details and character that come with an older place. The owners replaced all of the electrical and piping and did a LOT of interior work. In short, the home is beautiful! Yet I can still see many places where I can add my own personality and touches over time. We hope to have a closing date some time in June.
And so far that's where it's at! I'm hoping to hear tomorrow how our appraisal went!
My "New" House Blog
I've never purchased a house, haven't a clue what I'm up to, but I still plan on doing home improvement projects that reflect my personality and sense of design.
In keeping with my need for record-keeping, all of my achievements and mistakes will be broadcast here (preferably more achievements and less mistakes). Hopefully this will offer insight to those trying to do what I've gone through!
I came from a family that valued education. (For the record, getting a degree in design was not part of that "value in education" piece.) I pursued my degree anyway and now am pushing towards my dream of becoming a craftsperson, using the house I'm buying as a practice run!