Monday, September 2, 2013

We bought a house!

I've been keeping quiet on this topic because I didn't want to jinx it. Buying a home was something that I wanted so much that I felt if I got too excited about it, the universe would squash me like a bug. It did that in a couple cases without me even bringing it up here on the blog. And I especially didn't want to bring it up after our mortgage broker completely screwed up our loan application and sent it to an address that doesn't even exist. That mishap on top of all the other little things that the broker got wrong had me in a nervous huff for most of the mortgage securing process.
Image courtesy the Zillow listing that just won't go away.
I'm still shaking my head in disbelief recalling it; seriously, how hard is it to get our current address correct? It really shouldn't be that hard, given the preapproval loan application was right. Thankfully, our loan analyst turned out to be competent and helped us get everything corrected and accurate. We got our mortgage commitment letters right on time and made our deadline to secure financing a whole day early. Our approval to close from the underwriters came shortly there after and we closed without any major issues on August 30th.

Now that we've closed, I feel like it's safe to discuss the entire process of finding a home. At the end of May, we signed a contract with my friend and realtor, Margie, who was able to get us set up with a customized MLS search. We dragged Margie all over the place and to many different houses. In fact, I will illustrate the amount of houses that we saw with a photograph since we kept every listing sheet we got.
So many houses!
At first, we didn't have a really good idea of what we were looking for in a home. After a couple weeks of seeing houses, we had developed a picture of what we wanted: 4br/2.5ba, 2 car garage, central air/heat and a reasonably open floor plan. We came across a house in the middle of June that we liked so much we decided we wanted to put in offer in on it. Unfortunately, this house also had no permits for some pretty important features. When the seller's agent told us they had a second offer on the house, we decided the house wasn't worth it and withdrew to continue our search.

We stumbled across our home one day on either ZipRealty or Zillow. It was just outside of our price range but I suspected it's listing price was more than the house was actually worth. We both knew we had to see it because, on paper, it checked all of our boxes. It was love at first sight for me; perhaps Eric too, but he'd have to tell you. We put in an offer the day after we saw the property only to find out that a second offer had come in at the same time and was better than ours. We provided our best and final offer, but they ended up going with the other offer anyhow.

At this point, I was demoralized. House hunting is exhausting and I was about ready to call it quits and take a break for a month. Little did I know that all I had to do was wait three days. The other offer fell through and the list agent wanted to know if we were still interested, which of course we were. Everything went relatively smoothly from there, and now we are homeowners!

I'm excited to move in and I'm excited-overwhelmed to fix the disaster that is currently the garden.

Weeds everywhere..