Just heard from the mortgage broker. The appraisal came back at $3k higher then the purchase price so we are good on that end. We were a little worried, the other house for sale on that street was priced a good $5k lower then the listing for ours and we ended up agreeing to pay $2k over that listing (congrats if you managed to follow that thought). Thankfully they take into account that there were multiple offers so that bumped it up.
Hopefully we hear by Friday what the underwriter says. This is where I worry. They are being super picky now and being pre-approved/qualified is meaning less and less. Nothing I can do about it but I still worry. Its just what I do.
Now I just need to hear back about if the seller agreed to our fixes. Our final addendum was for $600 towards appliances, fix the double tapped breaker, and put in a radon system. The radon in the basement tested at 24.3. EPA standards are 4.0 and lower. Just a touch high. The house has been closed up since Jan though, so I am sure that plays a part, but a system still needed to be put in. Especially since we plan on making the basement our family room and main hang out.
Wednesday, June 10, 2009
Tuesday, June 9, 2009
Meet the boys!
I would like to introduce Charlie & Ratchet. They were born around mid Oct 2008, I adopted them at about 6 weeks old on Nov 29, 2008 which makes them about 7 months old right now. I dont have any new pictures of them but they havent changed much, just gotten rounder, lol. Ratchet is the black one, Charlie brown (agouti is the proper term but Im not that picky, lol).
Ratchet. I love their little hands. If they had thumbs Rats would totally rule the world!
"You hide, we'll seek! 1...2...3..."
"Get that flashy thing away from my food!"
Again with those cute hands! Rattie hands, my weak spot.
Peek-a-boo!
This is probably my favorite picture. They are in the front pocket of my sweatshirt and for some reason they love it in there.
And finally, Charlie would like to send his goodbye kisses. He is such a licky, kissy rat. I love it.Friday, June 5, 2009
Well, there goes that.
Just spoke with our Mortgage Broker who asked me to wait since the Federal Aid is basically a loan app that the mortgage people would look down on. So no federal aid for me this school year.
If I do anything, depending on what Boss says, I will probably start out with one class this fall and reevaluate in the spring. I doubt I would try full time unless something drastically changes.
If I do anything, depending on what Boss says, I will probably start out with one class this fall and reevaluate in the spring. I doubt I would try full time unless something drastically changes.
To much to fast?
I have been thinking about going back to school. Again.
I toy with the idea every few months but there always seems to be something else more important. However now the company I work for is growing and I feel like if I had some more....stable and constant learning behind me I would be able to help them out more. Be able to point them in the right direction as far as running the office goes. And after all, school is never a bad idea.
My big worry right now is am I getting in over my head? If I want federal aid I need to apply by June 30th so I need to make my decision soon. I need to not only decide if I am going but decide if I am going full time, part time, only one class (and forgo Federal aid). If everything works out with the house we would close around mid July. School would start in September. I would need to plan to get no help (I have no clue what I qualify for) federally. I might ask Boss if he would be willing to pay for some of it, seeing as I am doing it for his company, but with the way the economy is I dont know that he would be able to. So really I need to plan to front all the money.
Its not much in the grand scheme of things but we would have just bought a house, moved, and be putting our mark on it. Is it to much all at once I wonder?
I toy with the idea every few months but there always seems to be something else more important. However now the company I work for is growing and I feel like if I had some more....stable and constant learning behind me I would be able to help them out more. Be able to point them in the right direction as far as running the office goes. And after all, school is never a bad idea.
My big worry right now is am I getting in over my head? If I want federal aid I need to apply by June 30th so I need to make my decision soon. I need to not only decide if I am going but decide if I am going full time, part time, only one class (and forgo Federal aid). If everything works out with the house we would close around mid July. School would start in September. I would need to plan to get no help (I have no clue what I qualify for) federally. I might ask Boss if he would be willing to pay for some of it, seeing as I am doing it for his company, but with the way the economy is I dont know that he would be able to. So really I need to plan to front all the money.
Its not much in the grand scheme of things but we would have just bought a house, moved, and be putting our mark on it. Is it to much all at once I wonder?
Thursday, June 4, 2009
Inspection Results
First, sorry if house talk is getting old, its just whats going on in my life right now, lol.
Now on to the post. I got the inspection results today. For the most part everything came back fine. Foundation is solid, roof doesnt leak, windows are good, all the big things are fine. BUT the dishwasher makes a funny noise when run, the refrigerator didnt work at all, and the microwave that was listed as coming with the property was marked as not present. The kitchen sink had little to no water pressure, there is a small leak at the main water shut off, and a few cracks/nails popping up on the roof, which was also marked as "normal wear & tear."
Its possible that the microwave, which was bolted onto the underneath of a cabinet but listed as "built in" didnt count for the inspection since it really wasnt built in. It seems a bit sketchy to me but what do I know? Lol.
Really all I am worried about is the kitchen stuff. Mainly the water pressure and the fridge. We must have those two. I am waiting for a call from the Realtor but for the most part I think we are just going to ask for the water pressure to be looked into and maybe some money for the appliances. We were going to replace them in a year or so anyway to something less dated looking so really best case is that the water gets fixed and we get cash for new appliances. With that in mind if the seller wants to fix them I guess there isnt much we can do other then to start saving now for new ones, just in case.
At least the foundation is ok. We are willing to deal with the minor things like the roofing nails and normal wear but its good to know that the big things are fine.
Now on to the post. I got the inspection results today. For the most part everything came back fine. Foundation is solid, roof doesnt leak, windows are good, all the big things are fine. BUT the dishwasher makes a funny noise when run, the refrigerator didnt work at all, and the microwave that was listed as coming with the property was marked as not present. The kitchen sink had little to no water pressure, there is a small leak at the main water shut off, and a few cracks/nails popping up on the roof, which was also marked as "normal wear & tear."
Its possible that the microwave, which was bolted onto the underneath of a cabinet but listed as "built in" didnt count for the inspection since it really wasnt built in. It seems a bit sketchy to me but what do I know? Lol.
Really all I am worried about is the kitchen stuff. Mainly the water pressure and the fridge. We must have those two. I am waiting for a call from the Realtor but for the most part I think we are just going to ask for the water pressure to be looked into and maybe some money for the appliances. We were going to replace them in a year or so anyway to something less dated looking so really best case is that the water gets fixed and we get cash for new appliances. With that in mind if the seller wants to fix them I guess there isnt much we can do other then to start saving now for new ones, just in case.
At least the foundation is ok. We are willing to deal with the minor things like the roofing nails and normal wear but its good to know that the big things are fine.
Tuesday, June 2, 2009
A proud day.
My younger sister is 26 but autistic. She goes to ARC during the week and they keep her occupied "working" at the senior center & stuffing envelopes for the hospital. She doenst really get a paycheck for it since its a service for her.
Yesterday she calles me. This is the first time she has ever called me. Since it came up as Mom & Dad and I was at the Dr I just let it go to voice mail. I almost got hit by a car when I listened to it. She sounded so excited and was talking very fast, another unusual thing for her. I really wish I had kept that voice mail but I wasnt really thinking and just deleted it.
Anyway, she had called to tell me that SHE GOT A JOB!!!
She is going to be a housekeeper at a hotel & conference center in her home town. A few months ago she participated in an experimental program that taught her the basics of hotel housekeeping and setting up/tearing down conferences and thats what helped open up this door.
I am so proud of her. She went on the interview, even though the hotel people basically knew that they were going to hire her, and was able to answer all their questions with only a little help. They said they were very impressed with her and were excited to have her there. I think I am going to send her some flowers. I think she would like that.
Yesterday she calles me. This is the first time she has ever called me. Since it came up as Mom & Dad and I was at the Dr I just let it go to voice mail. I almost got hit by a car when I listened to it. She sounded so excited and was talking very fast, another unusual thing for her. I really wish I had kept that voice mail but I wasnt really thinking and just deleted it.
Anyway, she had called to tell me that SHE GOT A JOB!!!
She is going to be a housekeeper at a hotel & conference center in her home town. A few months ago she participated in an experimental program that taught her the basics of hotel housekeeping and setting up/tearing down conferences and thats what helped open up this door.
I am so proud of her. She went on the interview, even though the hotel people basically knew that they were going to hire her, and was able to answer all their questions with only a little help. They said they were very impressed with her and were excited to have her there. I think I am going to send her some flowers. I think she would like that.
Monday, June 1, 2009
Hurry up and wait.
We went Friday and signed half our life away applying for our mortgage. The appraisal should be done sometime this week/early next week and we should hear from the underwriter shortly after that. No one seemed worried that it might not work out but me. Epically after what happened the last time. All the same I am trying to stay positive. Assuming everything works out ok closing would be by July 17th. Please to see my fancy new ticker to the right. 1.5 months.
Subscribe to:
Posts (Atom)
