Showing posts with label homeowner. Show all posts
Showing posts with label homeowner. Show all posts

Monday, June 27, 2011

house wishlist

About 2 years ago now, we started wanting to buy a house in earnest. We had a good amount of money from my mother-in-law's death and we intended to use it as a down payment. But as I'm the only income earner, we had to use my credit to obtain the loan. Turns out, both of us had pretty shoddy credit. 18 months ago, after enrolling in a debt management program and starting to pay off some of our bills, we tried again but my credit was still too low. A former student's mom showed us a house but, although only $54k, was going to need $150k more work in renovations. She sent us a guide for first time home buyers published by Keller Williams and one of the things it said to do was create a wishlist of things we wanted in our dream home. Then we needed to break it down into "want to haves" and "needs" that we weren't willing to compromise on.

Well, as we wait and wait to hear from the bank regarding our offer on the short sale, I started daydreaming about all the things I'd like to have in our new house. When i went to save the file, I found I already had a file on the computer with that name. When I checked it out, I found that it was the wishlist we made 18 months ago regarding the things we wanted in our house. I thought it would be fun to share it here.

Value Wants Needs
historic homes/ neighborhoods large yard good CH/A system
families Victorian access home repairs ourselves
older trees porch grounded electrical system
solid craftsmanship 3+ bedrooms dishwasher (or space for)
good education storage/closets a shower and a bathtub
community events new kitchen appliances 220 for the clothes dryer
individual space/ privacy fireplace large living room
energy conservation/ sustainable resources high ceilings access to broadband/cable

Built-in cabinets/bookshelves no more than 40 minutes from work

living room & family room 3+ bedrooms

wood floors hobby room

CH/A laundry space

house fan storage

workshop

hobby room

good sunlight in living space

large water heater

big bath tub

crown molding

3 season room/porch

room for garden

space for car work

fence

neighborhood

ease of travel to shopping and work

larger trees

back patio

laundry space

kitchen for cooking

stained glass windows details

craftsman

prairie style

good schools

double entry door

wet bar/butler's pantry

Tuesday, June 14, 2011

Buying a house

We picked up Liam from school last Friday and met our realtor and her daughter at the house in Marysville. We went through the whole thing. I definitely felt strong about it; I felt positive. Jon felt really strong about it. Yeah, there are a couple of things I would change: I wanted to immediately change the paint in most of the rooms (liked to color, just couldn't live with it everywhere) and pull out the carpet in the dining/living room and extend the kitchen flooring through those rooms just so there would be a consistent feel tying the kitchen into the rest of the house (as it is very small and located in the dead center of the house). Diana had a couple other homes she wanted us to see since we could qualify for more money now that Dad said he's help us out. It was basically for comparables, a chance to see what more money could get us or what else was out there for $100k. But she wasn't pushing us to go see them; I was the one who said I wanted to go see the Victorian that she said was not too far and really had that "quirky feel I know you guys are into." Jon was serious about writing an offer on the house and frankly so was I. It was going to be easy in our price range and there would be plenty of space for the boys to run around in the front and back, the neighborhood was quiet and friendly feeling. It's a small house but we can definitely start and grow from there.

When we drove up to the Victorian, it was twice as big as the one we just left. There was an elementary school on the way there. As I go through the intersection, Liam shouts "Mommy go dat way," pointing at the park and the playground equipment. Then as I park in front of the house and across the street from the park, he yells "we're hooooome."

I walked in later than everyone else because I had to change Colin's diaper. By the time I went in the door, my husband, realtor, and her daughter were shouting "oh my god, look at this place!" It was beautifully painted, the rooms were large, the energy was uplifting. It's a 3 bedroom/ 2 bath house. It has a formal dining area, a large kitchen, one bedroom and bath on the main floor, a small basement store room, a laundry/mud room, a fireplace in the living room, and the stairs had cute tile facings on the risers. Upstairs was a large landing with vaulted ceiling and skylight, the second bath, a huge master bedroom with a small balcony, and a long third bedroom that was obviously a girly room because of the lavender walls (with green and orange accent walls). Then upstairs (yes, another upstairs) was a fully finished attic loft!!! I even love the orange paint up there. The backyard was smaller than the one on 17th street and there was no lawn. But there were three pergolas, a dove cage, and a fountain. It may be small but it will be aan imaginative yard for the boys to play in (not forgetting the giant big park across the street). Bella said it best when we were looking at the cement slab in the backyard that had glass beads and positive affirmations written in the cement, "someone incredibly creative lived here!" And I couldn't help thinking, and more creative people are going to live here. The house just feels so positive and uplifting and full of great energy. It has the feel that someone alternative was living there.

Our realtor called the listing agent to say we were interested in an offer. It's a short-sale and Friday was the first day on the market; we were the first people to get to see it. She told the listing agent we were a teacher and artist, both very creative, with two small boys. The seller is apparently a nurse (like my Dad) and we are exactly the type of people she wants in the home! It's more expensive and a stretch for our monthly payments but this is a house you can't pass up. So we offered $135k ($2k less than asking) with 3 1/2% down and seller to contribute 3 1/2% to our closing costs. There's only one loan on the house so a short sale might actually be "short." We wrote up a contract and Dad and Jon signed the papers Saturday night.

On Sunday, the realtor sent me a text to say the listing agent thinks the offer is strong and is putting our offer in the primary position, only accepting backup offers just in case ours isn't approved by the bank. Heaven forbid. Today, I got all of my paperwork together and turned into my lender. Now we're only waiting on Dad's paperwork.

It is quite conceivable that we may be homeowners before the end of the summer. :D

Friday, June 10, 2011

quick update

I'm sorry I get so sidetracked by Facebook and never get on here. I should just post all my status updates from the day onto the blog, just so I have a better record of my days, right?

I also thought I'd have more commitment to write in this thing since Liam started preschool 5 weeks ago. Well, nope. I don't. I do chores. I entertain the baby. I watch a lot of television. I nap. Then Liam comes home and he's usually tired enough for a nap himself (a new treat for us after almost a year of simply refusing). Do I blog then? Nope. Sorry.

The most important thing right now . . . we are in the process of house hunting again. I got my dad to consider co-signing a loan for us and yesterday we got the news that we can easily go ahead with the loan now because "your dad has SOLID credit." Well duh! That's why I asked him to help us out. As luck would have it, he just paid off his mortgage last week. Now he'll jump into another. The plan is that we will purchase the loan off of him in about a year when my credit score is improved and then he won't have to deal with "vacation/investment home" issues when he takes out a loan to put a brand spanking new modular on his property (the house he lives in now is pretty much a death trap and I won't take the kids there).

We are going to see the house we're interested in today so Jon can get a second look at it. It's small - <1100 sq. ft. and 4 bedrooms/2baths; the yard is generous and fenced both front and back. It'll double my drive time to work, but I'll figure that out time-wise and maybe we'll be able to afford a commuter car (one of those 40mpg jobbies). It'll put Jon closer to a stronger work market and us a little closer to friends (even though they'll be an hour away, we won't be in "the sticks" anymore). After seeing the place again today, I am looking forward to talking to the lender to see what our monthly payments will be like. If we can keep them low (like $500-$600/month), then we might even look for a little more house. But all in all, the neighborhood is terrific and I took my mom out there last weekend and it felt very comfortable.

Hopefully I'll get some good pics up soon as the boys are growing like weeds; Colin had a great 2 month check up. We went to the fair last night. I got to hold a monarch butterfly :) - that's our state insect by the way.

6/13/11: Okay, I went back and wrote a couple posts and added some pictures to them. Read further down the blog to look!

Friday, January 14, 2011

I guess we're more regal now

Well, we finally did it. We upped the size of our bed. Jon's been moaning about getting a king-sized bed for more than a year now. He claims we are really uncomfortable in it. At his birthday in April, I asked him if he would rather have an e-reader or a bigger bed. He voted for bigger bed. But he ended up with neither since we just couldn't swing it financially. Well, the New Years sales were our godsend. Thanks to mega sale at Sears and my mom having just opened a Sears charge, we were able to purchase our big new bed(s).

We got a Cal-king for us. Liam got a twin (but my mom paid for that mattress). Both new beds are actually the same model. Yeah sure it was the 2nd cheapest in the store, but aside from frugality, we both liked the feel. It was firm enough for support, but the euro-top makes it squishy. Liam loves his new bed, but he's also very wary of sleeping in it; it's rather big for a little guy.


So this morning I woke up with a marked increase in my sciatica pain (oh yeah, that symptom is back...on the other side than what I had during my first pregnancy). I know it was from sleeping in a strange bed and that I'll feel more comfortable in a few days. Jon said he felt like he was in a hotel bed or sleeping at Grandma's house. It just felt weird for all of us. Can you blame Liam for waking with whimpers just 2 minutes before my alarm went off?

It was tiring to work with my back/hip/leg pain all day. But not as bad as yesterday when I had a bout of contractions in the middle of an afternoon class. Not too much to worry about; I'm assuming they were braxton hicks. But I felt really low and slow before my class began and then about 30 min in I had definite tightening and discomfort in the abdomen. I realized I can't tell if it would be early contractions/labor as I never went into labor on my own with Liam. I walked around for 2 1/2 weeks being dilated to 3.5cm and 90% effaced on my cervix and still needed to have my water broken and pitocin.

Can't wait for this 3-day weekend of king-sized bed bliss.

Monday, December 6, 2010

long day at work

It's my fault it was a long day. I left on Friday telling myself that I would get into work one day over the weekend to check on my exam and make sure it was congruent with what I taught. Well, of course I didn't do that.

There's was no way I could have done so on Saturday because the power went out all over the county. That also threw my plan of doing skads of laundry out the window too. We ended up going to my Granny's and visiting with her and my mom while we did about 3 loads (my poor widdle guy had no more clean warm jammers left and of course he was filthy when we went down). Best part of the day . . . my son ate a whole chicken soft taco from Taco Bell (picked at it of course) and then he ate chow-mein at dinner! This is the kid who only eats protein! He NEVER EVER EVAH eats noodles (seriously, whose kid won't eat buttered noodles or mac-n-cheese?) but he had his fill of my Granny's dinner. :)

Yesterday we ended up getting a babysitter while Jon and I looked at some real estate available in town. It was a bit of a let down considering there's nothing decent in the price point we're still stuck at. Everything is tiny, 2 bedroom 1 bath less than 1,000 sq. feet kinds of places. Then you add that they all are suffering some kind of major structural malfunction like mold, or non-permit extensions. Ugh. We apologized to the new realtor for wasting her time on us. Then we hit WalMart and got the little things we've been needing. It was nice to go without the boy since it was so crowded, being Sunday afternoon and just weeks before Christmas. Forgot to get a battery for the scale; I still have no idea what my current weight gain is, but I am 24 weeks today :)

So I got up early and went in and got my test all ready. Then I found myself staying until 4:30. Somewhere along the drive home I realized I forgot to eat lunch today and have been surviving the last 5 hours on a diet coke, 100 cal pack of pretzels, and a big handful of almonds. Oops, bad me - not good for either diabetics or pregnant ladies to go that long without eating. Had to bring home work too since I'm trying to get their work graded as quickly as possible (new notebook thing I'm trying) as the quarter ends in 7 school days!!! Ack! So a lot of them turned in their notebooks today and the rest are due tomorrow. Plus the tests have essay questions that need to be graded before I can run the test through the scanner. I posted on my facebook today that if teachers got paid for all the overtime hours and work we take home, then we'd make as much as physicians. Ain't that the truth.

Jon dashed off to pay the rent (oops - it's the 6th) and get us some hamburger at the carniceria. I had to change my very stinky boy's diaper and he gabbed the whole time at me. Let me tell you, this blue kool-aid (berry blast?) has made for interesting diapers in the turquoise spectrum. I fed the cats and came back out to find my boy had done a fabulous job stacking his cars/trucks in a fine balancing act. What's more amazing is that I got him to leave it alone long enough to let me photo it before he tossed them all to the floor in his Godzilla-like glee.
Now I'm super excited because my Hubster is making burgers with onion, garlic, and crumbled bacon mixed IN THE MEAT!!! Should be SOOOO tasty.