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Showing posts with label home. Show all posts
Showing posts with label home. Show all posts
12/06/2011
9/05/2011
Great weekend
Wow Mike and I had another great weekend! Mom and Dad got here around 1 on Friday. And got right to work.
On Friday Dad and Mike installed a new water heater and started to replace the 2 prong outlets with 3 prong outlets on the main level. The water heater went in fast... the outlets were a bit more challenging and were left half done. When they were done we had Alaskan Halibut and Asparagus for dinner. Then sat in the red bathroom for over an hour trying to decide on how best to redo it.
Saturday morning we ate the Berry Good French Toast Bake Mom and I had made Friday. (http://lonesomehollow.com/recipes/dish/berry-good-french-toast-bake/) It was really really yummy. Then Dad and Mike got to work again! They installed the new chandelier in the dinning room. Then installed 3 new ceiling fans up stairs, one in each bedroom. The boys also finished the electrical work on the first floor. Mom and I went to the few garage sales there were around town. We did not find much but we did find a glider for the nursery for only $30!! I was not planning on getting a glider but for $30 vs $500 at the furniture store, I could not say no and it will look good in the nursery. We also went to Ashley Furniture and Mom and Dad bought us (Mike, Me and Blueberry) a new recliner as their shower gift for blueberry. It should be to town in about 2 weeks. It is soooo comfy. Saturday night we had Grandma O over for dinner. And then watched How to Train Your Dragon. Well mom and dad did, Mike and I slept though most of it.
Sunday we got up and went to the 9:30 church service. Then came home and got to work...again. Dad sealed some opening on the outside of the house, they put up a new light in the back yard, put a new lock on the shed, brought our kayak over from Grandma O's, snaked out a couple of drains in the basement and by the laundry and tried to fix our basement shower. The basement shower just needs to but ripped out and redone, well the whole bathroom does but it will work until the red bath is redone in November.
Today we got up had a few muffins talked a bit. Then made a list of things both Dad and Mike need to get or get done befroe November so we are ready for the bathroom redo. Dad and Mike hung a shelf up in our bedroom and I moved a picture. Then it was time to say good bye. I think Cora and Willow were the saddest to say good bye. They play so well together and wear each other out for the most part.
I can't wait for Mom, Dad and Willow to come back in November!
On Friday Dad and Mike installed a new water heater and started to replace the 2 prong outlets with 3 prong outlets on the main level. The water heater went in fast... the outlets were a bit more challenging and were left half done. When they were done we had Alaskan Halibut and Asparagus for dinner. Then sat in the red bathroom for over an hour trying to decide on how best to redo it.
Saturday morning we ate the Berry Good French Toast Bake Mom and I had made Friday. (http://lonesomehollow.com/recipes/dish/berry-good-french-toast-bake/) It was really really yummy. Then Dad and Mike got to work again! They installed the new chandelier in the dinning room. Then installed 3 new ceiling fans up stairs, one in each bedroom. The boys also finished the electrical work on the first floor. Mom and I went to the few garage sales there were around town. We did not find much but we did find a glider for the nursery for only $30!! I was not planning on getting a glider but for $30 vs $500 at the furniture store, I could not say no and it will look good in the nursery. We also went to Ashley Furniture and Mom and Dad bought us (Mike, Me and Blueberry) a new recliner as their shower gift for blueberry. It should be to town in about 2 weeks. It is soooo comfy. Saturday night we had Grandma O over for dinner. And then watched How to Train Your Dragon. Well mom and dad did, Mike and I slept though most of it.
Sunday we got up and went to the 9:30 church service. Then came home and got to work...again. Dad sealed some opening on the outside of the house, they put up a new light in the back yard, put a new lock on the shed, brought our kayak over from Grandma O's, snaked out a couple of drains in the basement and by the laundry and tried to fix our basement shower. The basement shower just needs to but ripped out and redone, well the whole bathroom does but it will work until the red bath is redone in November.
Today we got up had a few muffins talked a bit. Then made a list of things both Dad and Mike need to get or get done befroe November so we are ready for the bathroom redo. Dad and Mike hung a shelf up in our bedroom and I moved a picture. Then it was time to say good bye. I think Cora and Willow were the saddest to say good bye. They play so well together and wear each other out for the most part.
I can't wait for Mom, Dad and Willow to come back in November!
8/31/2011
Almost the weekend
Yes we are still alive... barely. I have been working a tons still and Mike has been busy painting and stripping wall paper.
Here is our Den/main floor Bedroom Mike has been working on.
Yep it is my craft room and I even have an area for my yoga mat and weights. I love it! It is so much brighter
We have bought 3 ceiling fans to put in the upstairs bedrooms which you can see in the current nursery photo. Mike and my dad are going to install them this weekend. Mom and Dad are going to be here Friday through Monday morning! Dad is also bring a bunch of other stuff for the house including a new water heater and a shower handle for the claw foot tub. And we will design and make a list of materials for redoing the upstairs bath.
Here is our Den/main floor Bedroom Mike has been working on.
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| Before |
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| After with Cora |
Here is the future Nursery:
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| Before, wall paper behind the bed |
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| Current Mike removed 2 layers of wall paper. |
Because this is not working for me. We are going to be completely gutting this room come November. Mom, Dad, and maybe my uncle will be coming up for 10 days to help add a separate standing shower and get rid of the red shag carpet. But keeping my claw foot tub!
On the Blueberry front not much is new. I am still tired but thank God I have not had morning sickness. I have gotten a bit nausea if my stomach is empty and I get really hungry. I am not really showing at all yet. We are working on designing the nursery with the theme of One fish, Two fish. We are still so so so excited!!!
8/06/2011
Home Sweet Home
Granted I have not had a ton of time to "do what I want" since I have been working around 80 hours a week. While nice for the bank account, not so nice to relax or do things around the house. But miracle of miracles Friday I got off work at 3, after only working 9 hours and I also had today and Sunday off. AMAZING! Friday we went to a few garage sales and found a new chandelier for the dinning room for only 10 dollars. This morning we were both awake by 7:30, yeah we are getting old, so we we hit up a few more. We found a couple games, a paint roller and some canning jars. Then we dropped Cora off at Grandma O's for the day and Mike and I made a big trip to Minot. Primarily to go to Menards. But we also went to Hobby Lobby, the Mall, Target, and out to eat at Ruby Tuesday. I also got my hair cut, finally.
Any who at Menards we bought 3 ceiling fans for the up stairs bedrooms, a 6 foot ladder, and a bunch of painting stuff. We also bought the game ladder golf and some cream soda. We plan on painting the main floor bedroom which will by my craft room and our office soon. White/cream on 3 walls and a magenta color on one wall, which will brighten up the room since it is currently wood paneling. My parents are coming up on labor day weekend!! Mike and my dad will install the new lighting. Dad is also bring us a new water heater and a conversion for the claw foot in the upstairs bath, to make it a shower too.
We are loving the new house and are so excited to have guests. The guest room is ready so just let us know when you are in the area. Until I have time to write again. Love ya Megan and Mike
7/14/2011
1 night
One more night and Grandma "O's" place and then to our own home :) We close tomorrow at 2:00 PM tomorrow. Wish us luck!
I will post pictures when I can. We still have not decided what to do for Internet yet.
I will post pictures when I can. We still have not decided what to do for Internet yet.
7/10/2011
Alive
We are alive... barely but here we are. Mike has been working like normal. Megan has been working up a storm, think 75+ hours a week, which is why there has been like no post lately. Last weekend, for the 4th Megan had Friday-Monday off and we headed down to Huron South Dakota to visit our "Alaskan" Friends Hans, Samantha and Jacob. It was a great weekend and really felt like summer. Mike and Hans took a trip to Mitchell to go to Cabela's and Home Depot. They also stopped by the Corn Palace. Samantha and I went to the city pool, while her mom had Jacob at home. We had a great time relaxing and sitting in the sun. Saturday Night we went to some fire works.
As for our house :) We had the appraisal last Thursday. And sadly it can in at $6,000 below what we offered. And the bank wanted them to fix a toilet in the basement bathroom and the sink in the closet in the basement. I freaked out. Thinking there was no way the home owner was going to go down that far. Guess what she came down $5,000 and is going to fix the plumbing issues. As long as the plumbing issues are fixed by Wednesday we will be closing on Friday at 2!! Happy Birthday to ME!!!
We plan on cleaning most the afternoon/evening on Friday. And actually move in all out stuff on Saturday. Well we will move in at least a bed on Friday so we can spend the night there. I am taking Friday and Saturday off of work so we will have 3 days to get the house in order!
We plan on cleaning most the afternoon/evening on Friday. And actually move in all out stuff on Saturday. Well we will move in at least a bed on Friday so we can spend the night there. I am taking Friday and Saturday off of work so we will have 3 days to get the house in order!
6/04/2011
Construction Season
What it boils down to is ZERO Free time. And a TON of Over Time pay or Comp Time coming.
On a house update we have our appraisal date set for July 7th. That is only a week before our Closing Date, YIKES!! I hope and pray that everything goes O.K. Our Realtor said the seller is still working on fixing the leak in the Master Bedroom. Mike and I have been looking at ideas for our Bathroom and Kitchen!! I plan on using some OT Money and Comp Time for some DIY improvement projects on our house!!
5/29/2011
We Have Furniture
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| Full Garage |
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| couch, with mini fridge on it |
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| Dresser from Grandma |
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| TV and TV Stand |
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| Lots of Mattresses. |
5/18/2011
house pictures are up
the home inspection was today.. good news I am still in LOVE with the house, the style and the layout. Bad news is there are some issues that need to be cleared up like a leak in the master bedroom ceiling, foundation issue and some low power lines in the back yard. I have uploaded 104 new pictures to my facebook account. I will have a link up here for a week to view the pictures:
**Poof** The link has been removed
5/17/2011
Mixed Emotions
The past few days have been full of mixed emotions. About many things. The house, Grandpa I, making sure we can make it home plus get everything together for the house, how Grandma I is doing and sending prayers for peace.
First an foremost Mike is taking off for Minnesota tonight after work. He will stay with my cousins in Moorhead before heading to Minneapolis in the morning. I will be taking the train on Wednesday night and getting to St. Paul on Thursday morning early. The funeral is on Thursday at 11:00 am with a viewing at 10:00. Mike will be wearing his dress uniform. I can't wait to give Grandma I and Mike Sr both a big big hug. (I am so glad that we are closer to "home" and we can easily make to there vs. living in Alaska.)
On to a house update:
Yesterday I went to the bank and signed a boat load of papers for the loan. Then brought them home for Mike to sign, since he had to work late. We have locked in our interest rate at a very good rate of 4.25%! Next we have our home inspection which I also have mixed emotions on. It will begin on Wednesday at 9:00 am. I will be "attending" the whole thing, measuring the rooms and taking a TON of pictures. I am super excited to get back in the house and explore a little more but at the same time I am super nervous that the home inspection is going to find a deal breaker. Now, don't get me wrong, if there is something wrong with the house we want to know about it. But at the same time I really hope and pray that nothing will show up, because if there is something wrong than we have to start over... which would be a pain because currently there are no other homes on the market in our price range that we would consider. I really do not want to let this one get away because it is well under our budget and we can really make it our own.
I will post some pictures after the home inspection... wish us luck
First an foremost Mike is taking off for Minnesota tonight after work. He will stay with my cousins in Moorhead before heading to Minneapolis in the morning. I will be taking the train on Wednesday night and getting to St. Paul on Thursday morning early. The funeral is on Thursday at 11:00 am with a viewing at 10:00. Mike will be wearing his dress uniform. I can't wait to give Grandma I and Mike Sr both a big big hug. (I am so glad that we are closer to "home" and we can easily make to there vs. living in Alaska.)
On to a house update:
Yesterday I went to the bank and signed a boat load of papers for the loan. Then brought them home for Mike to sign, since he had to work late. We have locked in our interest rate at a very good rate of 4.25%! Next we have our home inspection which I also have mixed emotions on. It will begin on Wednesday at 9:00 am. I will be "attending" the whole thing, measuring the rooms and taking a TON of pictures. I am super excited to get back in the house and explore a little more but at the same time I am super nervous that the home inspection is going to find a deal breaker. Now, don't get me wrong, if there is something wrong with the house we want to know about it. But at the same time I really hope and pray that nothing will show up, because if there is something wrong than we have to start over... which would be a pain because currently there are no other homes on the market in our price range that we would consider. I really do not want to let this one get away because it is well under our budget and we can really make it our own.
I will post some pictures after the home inspection... wish us luck
5/13/2011
Offer Accepted
Insert dancing around, jumping up and down and squealing like a little girl here.
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Ok now that that is done. I am going to to a drive by tonight and take some more pictures of the outside. We have a home inspection scheduled for Wednesday the 18th. At which time we can go back in the home and take pictures of the inside. This is all happening so Fast!!!
5/11/2011
We put in the Offer
Mike and I just signed the papers. I wrote out the check for earnest money. We gave the sellers 24 hours to let us know... Crossing our fingers and toes.
General Property Description
Book Section Residential Country Property: No
Type Residential: Single Family
Above Grade: SqFt 1,554
Below Grade: SqFt 884
Year Built: 1910
Style: 2 Story
Lot Size: 50 x 140
Total Bedrooms: 4
Total Bathrooms: 3
Total Full Baths: 2
Total 3/4 Baths: 1
Garage Type: None
Air Conditioning: Central Air
Heating System: Forced Air\Natural Gas
Details
Water: City
Sewer: City
Electric Service: MDU
Basement: Finished; Full
Exterior: Steel
Possession: Upon Closing
Property Included: Washer/Dryer; Stove; Refrigerator; Microwave; Freezer; Dishwasher; Other: Shed
Praying the that if this is truly the right house for us God will let it go through.
General Property Description
Book Section Residential Country Property: No
Type Residential: Single Family
Above Grade: SqFt 1,554
Below Grade: SqFt 884
Year Built: 1910
Style: 2 Story
Lot Size: 50 x 140
Total Bedrooms: 4
Total Bathrooms: 3
Total Full Baths: 2
Total 3/4 Baths: 1
Garage Type: None
Air Conditioning: Central Air
Heating System: Forced Air\Natural Gas
Details
Water: City
Sewer: City
Electric Service: MDU
Basement: Finished; Full
Exterior: Steel
Possession: Upon Closing
Property Included: Washer/Dryer; Stove; Refrigerator; Microwave; Freezer; Dishwasher; Other: Shed
Praying the that if this is truly the right house for us God will let it go through.
Rolleblading + Dog =
Sunday Cora and I attempted this. She did really well, except for one time. I feel so bad. We had just started, less than 5 minutes and she was running along side me. She went from running full force to stopped in 0.02 seconds. Me, holding her leash on Rollerblades, that do not currently have a brake on them, did not stop so fast. My mind did not think to let go of the leash, so i swung around and landed on my left side. Butt, and elbow mostly. Thankfully I was wearing my Wrist guards and helmet other wise I know I would have been much worse. Cora had stopped to go to the bathroom (#2) and I was trying to pull her along, poor puppy, I felt so bad, but lesson learned "Do not go to fast until you know Cora has done her business." After that we did not go quiet as fast and Cora did great. She never really pulled to bad except when I slowed down to prepare for a hill. I think we will try it again down the road... maybe when I have a brake.
In other news We went and looked at another house on Tuesday evening!!! I LOVE IT!! Mike was not so sure at first because it is an older home, built in 1910. And it does not have a garage. It has some quirks to it but is totally livable the way it is. It has 4 bedrooms, 2.75 bath, and huge living room and dining room. 3 bedrooms and one bath are on the 2nd story which is awesome! Our Realtor is pulling some numbers for us and if all goes as planned we will make an offer today!! HOLY COW!!
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| 1910 Home |
5/07/2011
First Day of House Hunting
We had our first real house hunting day today. It was fun but we did not find the home for us. We saw 2 homes listed by real estate agents and 2 homes listed by a for sale by owner.
House 1.
- over priced
- nice bright basement
- big yard
- 4 bedroom/2.75 bath
- weird garage, only 1.5 cars
- obvious water damage in one bathroom
- green carpet in the master bedroom
- house smelled a little Smokey
House 2.
- well with in our budget
- cute style, older home but completely updated upstairs
- 3 bedroom/ 1.75 bath
- big yard
- one garage
- scary, very scary basement
- very small rooms
House 3. - by owner
- 3 bedroom/ 2 bath
- updated bathrooms
- cute character
- 2 yards
- 2ish car garage, but not sure if we can 2 cars in there
- small kitchen
House 4. - by owner
- 2 bedroom/ 1.5 bath
- Huge 2 car garage plus a shed
- large front porch
- nice size kitchen
- needs some updates
- basement scary but not as bad as House 2
Over all we liked 3 and 4 the best... but we did not love them. They were in our price range but they were both over priced for there location, according to our real estate agent. We... or should I say I am a little disappointed we did not find "the one" today since we viewed most of the homes that are currently listed in our price range... we are going to go talk to a builder some time this week and see what we can get for our money building.
On ward...In other news I have found a new website/blog I LOVE. http://ana-white.com/ And have found some things I want to build for our new home.
A bed: http://ana-white.com/2009/10/farmhouse-bed-save-158100_7467.html
A Table: http://ana-white.com/2009/12/plans-farmhouse-table-knock-off-of.html
And maybe a bench to go with the Table: http://ana-white.com/2011/01/farmhouse-bench.html
Dad may need to help me with some of it...
House 1.
- over priced
- nice bright basement
- big yard
- 4 bedroom/2.75 bath
- weird garage, only 1.5 cars
- obvious water damage in one bathroom
- green carpet in the master bedroom
- house smelled a little Smokey
House 2.
- well with in our budget
- cute style, older home but completely updated upstairs
- 3 bedroom/ 1.75 bath
- big yard
- one garage
- scary, very scary basement
- very small rooms
House 3. - by owner
- 3 bedroom/ 2 bath
- updated bathrooms
- cute character
- 2 yards
- 2ish car garage, but not sure if we can 2 cars in there
- small kitchen
House 4. - by owner
- 2 bedroom/ 1.5 bath
- Huge 2 car garage plus a shed
- large front porch
- nice size kitchen
- needs some updates
- basement scary but not as bad as House 2
Over all we liked 3 and 4 the best... but we did not love them. They were in our price range but they were both over priced for there location, according to our real estate agent. We... or should I say I am a little disappointed we did not find "the one" today since we viewed most of the homes that are currently listed in our price range... we are going to go talk to a builder some time this week and see what we can get for our money building.
On ward...In other news I have found a new website/blog I LOVE. http://ana-white.com/ And have found some things I want to build for our new home.
A bed: http://ana-white.com/2009/10/farmhouse-bed-save-158100_7467.html
A Table: http://ana-white.com/2009/12/plans-farmhouse-table-knock-off-of.html
And maybe a bench to go with the Table: http://ana-white.com/2011/01/farmhouse-bench.html
Dad may need to help me with some of it...
5/06/2011
PRE-APPROVED
4/27/2011
Homebuyers Class 2 = More Depressing with a bit of Excitement
Homebuyers Class 2 was last night. It was the final class and I am glad it is over because again it was very DEPRESSING. Last night we heard from an appraiser, a homeowners insurance guy, another bank talked about construction loans, and a inspector from the county. They all presented pretty good information but we kinda saying they were glad they did not have to buy today. Then a contractor gave a short presentation, I think he was the only person excited in this market, most likely because he is making plenty money.
The appraiser went first and he depressed us the most talking about how 5 years ago most homes around here were valued between $50,000 and $150,000. Now you are lucky to find a home for under $200,000 that does not have wheels. He presented good information about how homes are appraised and why it needs to be done. Then he talked about how 5 years ago there were all these city owned lots going for $10,000 and how there are none left now, how new subdivision that are proposed do not have any infrastructure and he does not see the city catching up to it until next year so we are supposed to "sit tight and wait"... Um no!
The construction loans talk was next. It was interesting to learn how they work and how the amount of the loan goes up as your home is built. He talked about lien holds and how it is important to find a good contractor. He also talked about the benefits of renting vs owning. He pretty much at the end said do not do a new construction loan, because they are a pain in the butt.... Gee Thanks!
The insurance guy was next...again good information but pretty boring. Talked about how important insurance is and how they come up with a price. What is covered under each policy. How insurance works if you own a condo or rental. Not to depressing but boring.
Then the inspector from the county talked about the 5 inspections he does for a new construction build in the county, or outside of the city. Mike and I both really liked him, he was funny and really knew what he was talking about. He also did not seem as down on the situation as the previous speakers.
Finally a General Contractor gave a speech about how to find a contractor and what to make sure you look for in a contractor when building a new home. He was super nice, and reminded Mike and I of my Dad. Mike made sure to run up to him after the presentation to get a card and chat with him. I would LOVE to "build" our own home and help with the design.
So we are still a bit depressed but at the same time getting more excited about the possibilities. Our next, or should I say, first step is to get pre approved for a mortgage. I will get my first full paycheck on May 2nd and we have an appointment to meet with one lender at 2 on May 6th. We will know more then, before that we plan on contacting the General Contractor and maybe looking at a couple model homes this weekend.
The appraiser went first and he depressed us the most talking about how 5 years ago most homes around here were valued between $50,000 and $150,000. Now you are lucky to find a home for under $200,000 that does not have wheels. He presented good information about how homes are appraised and why it needs to be done. Then he talked about how 5 years ago there were all these city owned lots going for $10,000 and how there are none left now, how new subdivision that are proposed do not have any infrastructure and he does not see the city catching up to it until next year so we are supposed to "sit tight and wait"... Um no!
The construction loans talk was next. It was interesting to learn how they work and how the amount of the loan goes up as your home is built. He talked about lien holds and how it is important to find a good contractor. He also talked about the benefits of renting vs owning. He pretty much at the end said do not do a new construction loan, because they are a pain in the butt.... Gee Thanks!
The insurance guy was next...again good information but pretty boring. Talked about how important insurance is and how they come up with a price. What is covered under each policy. How insurance works if you own a condo or rental. Not to depressing but boring.
Then the inspector from the county talked about the 5 inspections he does for a new construction build in the county, or outside of the city. Mike and I both really liked him, he was funny and really knew what he was talking about. He also did not seem as down on the situation as the previous speakers.
Finally a General Contractor gave a speech about how to find a contractor and what to make sure you look for in a contractor when building a new home. He was super nice, and reminded Mike and I of my Dad. Mike made sure to run up to him after the presentation to get a card and chat with him. I would LOVE to "build" our own home and help with the design.
So we are still a bit depressed but at the same time getting more excited about the possibilities. Our next, or should I say, first step is to get pre approved for a mortgage. I will get my first full paycheck on May 2nd and we have an appointment to meet with one lender at 2 on May 6th. We will know more then, before that we plan on contacting the General Contractor and maybe looking at a couple model homes this weekend.
4/20/2011
Homebuyers class 1 = Depressing
I went to the Homebuyers class last night put on by the local community action council, a real-estate group, banks, and a title officer. It was part one of a two part class. It had a ton of great information but to say the least it was depressing.
The real estate agent said currently in the area there are only 10 places on the market, and 2 of them are condos. (and that is total not just her group) I would guess there were 15 people in the class. FAIL. She also said that every house has been getting multiple offers and a lot of the time the house apprises for less than the offer and people just fork over the money. OMG!!
Then the title officer said that the soonest most people are closing is 60 days after the offer is signed because the inspectors, appraisers and the government is so backed up. So even if we bought a house today the soonest we could move out of Grandma’s house is the end of June.
The bankers talked about getting approved for a loan and said the you need to be on the job at least six months to a year in order to be approved for a mortgage. (This is where I got close to tears, we have only been here a month.) They went through all the closing costs on a house, the cost to connect to rural water if needed, adding the cost to this and that. And then, I am sure MM would like this, they said if you did not have enough of a down payment that you could always borrow against your car, boat or camper… Really?? I raised my eyebrow on the that one. The one banker did not help the depressed mood I was in saying that she is glad she does not have to try to buy a house right now, because it is depressing. Oh and both banks talking also said that there is about a 2 week wait to even get in and see a loan officer for pre approval.
Finally a lady from the rural development group with the state gave a spiel on state funded loan programs. Which was interesting, but the only way we will qualify is if one of us quits our job or we suddenly have 8 kids, which is very unlikely living in Grandmas basement.
After the class I went and talked with a couple of the bankers, who were really nice when I asked them about the 6-12 month thing. Thankfully they said since I went from an Engineering job to an Engineering career and Mike went from a Corrections officer to a Police officer that most likely we could be approved for a loan sooner than 6 month. She said the information is general and with so many in the oil field in our area, coming from other careers that is why lenders are more strict, generally.
So to sum the night up if we started today the earliest we could be out of Grandma’s basement is the end of July. And the is only assuming we find a house we like, the seller accepts are offer, and we can afford it. (how does anyone buy a house these days?)
Hopefully there will be as much good information next week and 40 more houses on the market…I can dream.
The real estate agent said currently in the area there are only 10 places on the market, and 2 of them are condos. (and that is total not just her group) I would guess there were 15 people in the class. FAIL. She also said that every house has been getting multiple offers and a lot of the time the house apprises for less than the offer and people just fork over the money. OMG!!
Then the title officer said that the soonest most people are closing is 60 days after the offer is signed because the inspectors, appraisers and the government is so backed up. So even if we bought a house today the soonest we could move out of Grandma’s house is the end of June.
The bankers talked about getting approved for a loan and said the you need to be on the job at least six months to a year in order to be approved for a mortgage. (This is where I got close to tears, we have only been here a month.) They went through all the closing costs on a house, the cost to connect to rural water if needed, adding the cost to this and that. And then, I am sure MM would like this, they said if you did not have enough of a down payment that you could always borrow against your car, boat or camper… Really?? I raised my eyebrow on the that one. The one banker did not help the depressed mood I was in saying that she is glad she does not have to try to buy a house right now, because it is depressing. Oh and both banks talking also said that there is about a 2 week wait to even get in and see a loan officer for pre approval.
Finally a lady from the rural development group with the state gave a spiel on state funded loan programs. Which was interesting, but the only way we will qualify is if one of us quits our job or we suddenly have 8 kids, which is very unlikely living in Grandmas basement.
After the class I went and talked with a couple of the bankers, who were really nice when I asked them about the 6-12 month thing. Thankfully they said since I went from an Engineering job to an Engineering career and Mike went from a Corrections officer to a Police officer that most likely we could be approved for a loan sooner than 6 month. She said the information is general and with so many in the oil field in our area, coming from other careers that is why lenders are more strict, generally.
So to sum the night up if we started today the earliest we could be out of Grandma’s basement is the end of July. And the is only assuming we find a house we like, the seller accepts are offer, and we can afford it. (how does anyone buy a house these days?)
Hopefully there will be as much good information next week and 40 more houses on the market…I can dream.
4/19/2011
Tuesday Night Fun
HOMEBUYER EDUCATION WORKSHOP 2011
Individuals who are thinking about buying a home are invited to attend a 2-Day FREE Homebuyer Education Workshop offered April 19 and April 26, 6:30 - 9:30 p.m. at WSC, Room 106. Topics will include preparing for home ownership, what you can afford, obtaining a mortgage, financing, insurance, closing the deal, home maintenance and much more.
Mike found this in the local News Paper. So guess who is going to the first night alone, that would be me. Mike works tonight, but is going to go with me next week. Hopefully there will be some good info.
Individuals who are thinking about buying a home are invited to attend a 2-Day FREE Homebuyer Education Workshop offered April 19 and April 26, 6:30 - 9:30 p.m. at WSC, Room 106. Topics will include preparing for home ownership, what you can afford, obtaining a mortgage, financing, insurance, closing the deal, home maintenance and much more.
Mike found this in the local News Paper. So guess who is going to the first night alone, that would be me. Mike works tonight, but is going to go with me next week. Hopefully there will be some good info.
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