Tag: house hunting

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Our New House

At 10:45AM this morning, it was official-we closed on the house, and it is ours. 

Twelve hours later, it still doesn’t seem like it is real.  We have been looking for so long (for years), and nothing ever worked out.  You name it, we had it interfere with our new house plans.  From not being able to find something we liked, to finding something we liked, only to have it WAY out of our price range.  From having a few babies, and not wanting to move, to needing to move, but we weren’t ready financially. To being worried about job security, to having us both injured in car accidents, putting off our plans yet again to move.  To finding the perfect house, only to have our offer not accepted.  I think we have had every possible obstacle thrown at us, in our house hunting. 

But today, none of that mattered.  Our long term goal was finally being realized, and everything that had happened in the past, no longer mattered.  During the closing, where we signed form after form, after form, it seemed surreal.  Like we were buying a car, but not a house.  We were almost at the end, and our realtor and title company closer noticed a mistake on Joe’s name, the bank had made on the title deed. 

The title company lady got on the phone immediately to correct this, but the person she needed to talk to wasn’t there.  That is when my heart started to sink.  I just knew something was going to come up.  I expected her to get off the phone and say something like, “Sorry.  This isn’t going to work out today.  We’ll have to reschedule,” or something that would once again, postpone our house buying.

But that didn’t happen.  After a short delay, the bank re-did the form, and we had the correct form.  After we signed that form, the house was ours!  The lady from the title company shook our hands, and told us to enjoy our new house.

Joe and I grabbed a quick bite, and then headed off to work.  It still hadn’t really sunk in at that point.   

After dinner, we took the boys to the house.  They hadn’t seen it yet.  They were SO excited.  When we pulled up to the house, in the dark, and as Ryan got out of the car, he looked up at the sky and said, “Look Mom.  Look how many stars are in the sky.”

I hugged him.  Our new house is in the “country” so to speak.  It is in a subdivision, but in a small town, with not a lot going on-or lights.  Perfect to see the stars.  That is a big part of why we wanted a new house.  To get out of a bigger city.  So our children could see the stars at night.  

The boys ran around the house, squealing and exploring.  Their favorite feature so far of the new house is the support beam in the basement, which is their fireman pole. 

Ryan asked me at one point, if we really were moving here, or if we were just fooling him.  I told him we were not fooling him-we really were going to live here.  He got a huge smile and said “Good, because I really like it.”

The boys ran around, rolled on the old carpet, which is soon to be replaced, while Joe and I discussed which wood we want for the floors, and tried to talk about paint, but it is hopeless. We are not good paint color pickers.  Joe took this picture of the boys and I in front of the fireplace:

When we were leaving, (much to Cole’s dismay-he exclaimed, “I want to stay here all day!”)  Ryan looked up at the sky again, and said, “There sure are a lot of shiny stars here at our new house, Mom.”

I hugged him, and as we drove back to our current city, I thought, this was how it was supposed to happen for us.  This really is the perfect house for our family, and I think the stars do shine a bit brighter over our new house.

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Activities house hunting

House Update

Just a quick home buying update:  Last week we were approved for our loan, and the sellers agreed to fix one item that came up in the inspection. 

So, if all else goes according to plan, we are set to close THIS Thursday morning.  I still am in a little bit of disbelief, but it looks like it is really going to happen.  Our lender needs the title work, which is being sent to them, and that is it.  We are really getting excited now, but we both feel until we sign on the dotted line, and have the keys in our hands, you never know.  So we are very positive, but reserving our full blown excitement until after we close-which is just in four days. 

I have another little something to blog about (hopefully tomorrow), that is exciting for me.  I’m going to keep it a surprise for now, so you will be sure to check back tomorrow or Tuesday on what it is.  (I’m mean- I know- to keep you in suspense, but hopefully it will be exciting for some of my readers to read about as well.)  🙂

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Activities Household

Under Contract

If you remember a few months back in our house hunting,  we had found the one, but the sellers weren’t interested in selling it, so we were not able to get it under contract.

Since then, we have looked, looked, and looked some more at houses in the town we are currently living in, and also in nearby surrounding towns. We were coming up empty.  Either the houses were too small, needed major remodeling, or we just couldn’t find what we were looking for. 

I had an idea that house shopping would be like wedding dress shopping- you just know the minute you spot that perfect wedding dress.  I would see pictures of houses for sale on the Internet, and from the pictures they looked promising.  I knew the minute we drove up to a house, it would be the one. 

Uh, not really.  After two months, we were not finding what we wanted: a house that had- at least three bedrooms, a back yard on the bigger side, and room in the house to grow: translation- a basement, oh yeah, in our price range, in a neighborhood that we liked.

Evidently this is harder than I thought.  We found a house in August, that was almost the one.  It was in a nearby smaller town.  It was a few years old, but had only been lived in for a year.  It looked almost brand new.  We were really close to making an offer on it, but we hesitated.  It would have been fine for us now, but as the boys grew, it really didn’t have any more room to grow.  We both felt like we would outgrow it in five years, and it felt like we were settling for something we knew wasn’t right, but hoping it was.  

So we passed on it.  The evening we decided to pass on the house, I was checking the listings again, and a brand new listing caught my eye.  It was in the same neighborhood (that was our first choice) where we had tried to buy the first house.  We set up a showing right away.

While looking through the house, we both just knew it was the one.  It had everything we were looking for, with a few extras.  However, nothing is perfect.  The house was getting ready to be foreclosed, so it needed some work.  It needed to be cleaned, painted, new floors and carpet.  It needed a little more work than what we were hoping for, but that was the only negative.   

We made an offer a day later, which turned the deal into a short sale. This was in the middle of August, and we had to wait for the banks holding the mortgages on the house to approve our offer.  As of last week, we were still waiting.  We technically didn’t have a contract, because we didn’t want to start spending money on the inspection, mortgage application fees, etc., until we were sure the banks would approve the offer.

Last week, we were still waiting on the final bank holding the first mortgage, which is the no-brainer, because they would be paid in full.  We didn’t understand what was holding up their approval.  Turns out, they needed a signed contract to assure them, that the sellers really would be selling the house.  So as of last Thursday, we were officially under contract!

Hopefully the bank will get the approval processed- they already said they would, once we had a contract, and once they do that, we will close within 30 days.  But in the meantime, no one else can come along and make another offer on the house, while we wait for the bank. 

We are trying not to get too excited until we close (because you never know what can happen between now and then), but we definitely just got one step closer to moving.

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house hunting

House Hunters- Part II

If you missed part I of this post, you can read it here.

House Hunting is nothing like what you see on TV.  So far, we haven’t encountered any rooms with black wall paper, but we have run into three things (so far), that never happens on house hunting TV shows.

1.  When a house has a For Sale sign in the yard, it is listed on the on-line and realtor listings, and there are open houses, one can only assume the house really is for sale-right?  Wrong.  

The first house we made an offer on, after it was all said and done, we found out that the sellers aren’t interested in moving, and they don’t have to move.  We are only left to wonder why in the world they put their house on the market then, if they don’t want to sell it. 

I can hear  Suzanne Whong now…“Unfortunately, the first house the family made an offer on, the sellers are crazy, and have no intention of selling their house. They just like to waste people’s time, so the family has to keep looking.”

2.  No matter how much you think you are on top of the listings, there is at least one house that will get away from you, and be under contract before you can get your offer in- even in a “buyer’s market.”

I had seen a house in a newer subdivision for about a month now in the listings.  It was a short sale, meaning the bank agreed to sell it for less than the amount of the mortgage owed on it.  I guess this is one step before a foreclosure.  The house had never been lived in.  It was gorgeous.  Everything brand new, granite counter-tops in a HUGE kitchen, a sunken bathtub in the master bath, one extra bedroom than what we were looking for, a three car garage, and a decent sized yard.

The best part it was priced about 60k less than what it sold for new.  It was an incredible deal, and the price was in our price range.  I don’t know why in the world it just didn’t “click” with me, for us to look at this house when I saw the listing.  We were focusing on houses in another subdivision, and we were in the middle of the offer with the people who really aren’t selling their house. 

Last week when it finally occurred to me that this was a great house for us, and that was confirmed by doing a “drive-by,” I called our realtor to set up a showing.  He told me this house hadn’t come up in his search for us, because- we asked for at least a quarter acre lot- a .25 lot.  He said this one was a .22 acre lot.  I just laughed, that was close enough, but then the bad news.  He said it went under contract the week before.  We were one week too late!

Says Suzanne, “Because Heather suffers from Mommy Alzheimer’s  the family wasn’t quick enough to get to this house before it was snapped up by someone who is on the ball.  This would have been a terrific house for the family- just what they were looking for.  Now the family is back to square one.” 

3. Because the entire process is not fun and frustrating, you will be faced with a lot of decisions that you never considered.

We looked at another house this past weekend, and decided it is something we will keep in mind, but we aren’t going to make an offer on it (I’ll never say never, but no offer on it at least for the time being.) 

The house needs a lot of TLC, but the major problem for us, is the kitchen is tiny.  Joe and I could barely fit in it.  It would have to be remodeled, but there is a wall, and we would have to make sure it isn’t a structural wall.  There were a lot of other projects that would have to be done too. 

We were considering it, but then realized we don’t really want to do all that work- we want to spend time with our boys while they are young.  Not spend the next five years on home improvement projects every weekend.  We didn’t even really like the layout of the house that much.  We could probably get this house at a rock-bottom price, but we just aren’t excited about it, and doubt this is the house we are looking for.

To widen our horizons so-to-speak, we are now considering looking at a town about 15 minutes away from us.  It is a lot smaller town than where we live now.  There are several houses in this town, that are what we want size and price wise, but we just aren’t sure we want to move to this town. 

Now we are debating the pros and cons of moving to this town before we set up any showings.  We know there are houses there, but the questions we are now facing are, where do we want to live, and do we keep waiting for something to open up in a neighborhood we like and had decided on, or do we move now, even if it isn’t to a place we really ever thought about living in, but has what we want?

“The family has some hard decisions to make, and all they know at this point, is they don’t know what they will end up deciding.”  Suzanne says. 

You can say that again, Suzanne Whong. I’m sure there will be a House Hunters Part III- stay tuned.

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house hunting

House Hunters- Part I

I love watching the real-estate shows on Home & Garden, TLC, & Discovery channel.  My favorite is the cheesy, House Hunters, with Suzanne Whang.  If you have never seen it, it is a riot!  Basically you follow a family as they look at three houses for sale.  I’m used to the ‘old-style’ version.  It goes like this:

One house is usually a dump, but they still try to be nice about it.  It can be the most hideous house with black velvet wallpaper and polka-dots, and they will say something like, “Oh, that’s a unique design.”  Or the entire house is boring- white walls and beige carpet and they will say, “These are really nice walls.” 

Everyone knows what they are really thinking and you wish just once the family would say it- that they wouldn’t live in the house for a million dollars.  After they are done looking at the hideous interesting house, instead of saying they would rather live with Paris Hilton in a Motel 6 than in the house, they mutter things like, “Well, even though this is a really great place, we don’t think its the place for us,” or, “We love the bathtub (usually the only thing in the house that isn’t messed up, ” but we think we should look at a few other places before deciding.” 

Then the second house is usually OK.  Not great, but not as awful as the first one.  It may need a few repairs, but at least there isn’t velvet wallpaper on the walls.  After looking at the second house the family is mulling it over.  They usually tell their realtor (who has traveled in a time machine from the 1970’s to appear on House Hunters), “Well this is a lot better than the first one.”  Then the over-eager 1970’s realtor jumps in and says, “Well, now that I know what you are looking for, I have one more house to show you that I think will really grab you.”  Of course, the family always agrees. 

Can you guess what is coming?  The third house is always perfect.  Just what the family is looking for.  Why the realtor bothered to show them the first two houses is a mystery.  They could have saved 23 1/2 minutes of the show.  The family walks through the house, oohing and awhing over everything, and I mean every last detail.  “Look at the ceiling honey…it is marvelous.”  Or, “This toilet seat is fabulous.  It is padded.  That will be comfortable to sit on with a good magazine.”

When they are done drooling over the toilet seats, the tell the realtor this is the house for them and they want it.  The realtor gets that KA-CHING look on their face, and tells them, “Sure, let’s go back to my office, and we’ll write it up.”  Then the “drama” begins.  Will the seller accept their offer? 

HGTV only makes you wait in suspense for one commercial before you find out.  Suzanne Whang does a nice recap for you showing the houses that were shown, and the house that the family finally decided on (just in case you forgot.) Then you are told the Smith’s put in their offer and are now eagerly awaiting to hear if their offer was accepted.

Then you see the family playing a board game (do families still do this?), or eating at a restaurant, very casual and relaxed when suddenly- the phone rings.  In a very relaxed and laid-back manner, they answer the phone “Hello?”  PLEASE-like they don’t know who that is!

The next part goes like this,”Uh-huh- yeah, OK, Uh-huh, OK. Thanks Carl.” The person than hangs up their phone and turns to the spouse who didn’t get the good fortune of answering the phone and says, “That was Carl, and we got the house!” 

Astonishing!  Who would have thought?  I was so sure their offer was going to be rejected.  Then there is another commercial, and when we return, the lovely Suzanne Whang revisits the family a few months later, after they have had a chance to put their own touches on the house.  Unless they have covered the walls in black velvet wallpaper, all is well, and another successful real estate transaction has been completed. 

Real life house hunting is NOTHING like this TV show.  I will give you our version of House Hunters (minus Suzanne Whang) in an upcoming post.