Home-Buying

GUYS!

I AM SO HAPPY!

We went out to look at properties once, then made an offer the next day after seeing the house again. The agent took forever to counter with us because they were trying to get the cash offer to come through, but we responded to their counter immediately. Like, our adorable realtor wrote up the contract, then drove across the county to get Mike to sign it while he was at work because he couldn’t get off in time! She faxed it to them, then sent me an email this morning letting us know that they’ve accepted our offer and we now have a contract!

Like I said, inspection is on Tuesday. I can’t wait!

Some details about the house:

It’s an older brick ranch. Older was a must for me, but “not too old” was also a must for Mike. It has a den conjoined with the dining room, and a tiny kitchen that’s open to the living room. There’s a sliding glass door in the living room that leads out to the covered patio and huge, flat, fenced-in yard. Past the living room is the hall bath, then two bedrooms on the right. At the end of the hall on the left is the master bedroom with the three piece bathroom. There’s an unfinished basement and a carport. So much room in one tiny house, but not too much that I feel overwhelmed and lost. The living room is the only room in the house with carpet, and it’s new. Hardwood throughout. Granite counter tops, stainless steel appliances, and a tray ceiling in the tiny kitchen. There’s so much charm and oddities to the house that I love, as well as the newer finishes. It feels like a dream to even be experiencing this.

I’m so blessed. I’m praying that all goes well with the inspection, and that we’ll be able to move next month. It’s so perfect for us and I can really see our family growing there. Send good vibes! And try to bear with me for the next month! 😊🏠❤

What a WEEKEND! I need an extra weekend to rest from the weekend I just had. We were busy as little bees!

For a while now Scott and I have been looking around as houses kind of casually– but we didn’t plan on moving until sometime next year. Our lease will be up near the end of this year and we planned on signing on for another few months. A few weeks ago though, we randomly stumbled upon a house that we LOVED everything about, and it was at a great price. We were ready to make an offer on the spot, we liked it that much! The next day we were on our way to the bank when we recieved a call from the realtor selling the house, apparently someone ELSE came in and offered full price for the house. Bummer. We were really sad and realized that we are more eager than we thought we were to get out of our tiny apartment (with horrible neighbors). So I started to really search, and we went to go see several homes over the course of the past few weeks. We didn’t find any houses we loved as much as the original one, and worst of all, none of the realtors we reached out to seemed to take us very seriously. We were stood up multiple times, some would take cell phone calls while they were showing us a house, most of them didn’t seem very interested in helping us, basically everyone we met was completely unprofessional and not easy to work with. One day, mom and I were driving around looking at houses and we called a phone number on a for sale sign to get more information– the lady who answered the phone was named Michelle. Michelle ended up being the most AMAZING realtor in all of the world– she was so eager to help us and really seemed to know what she was talking about. We spent the entire weekend with her, including Monday, a holiday off work for us. She took us all over town showing us homes she thought we would like, and we ended up finding THE PERFECT HOUSE. We honestly never thought we would find something we loved as much as the orignal house, but thanks to Michelle we did! It’s just beautiful and is literally perfect by our standards. We are working towards putting an offer in on it, and if all goes well we should be in our dream home by Christmas. Exciting, right?

Not only did we spend hours upon hours looking at what felt like a hundred different homes, we also went to the wedding of a couple of our friends, and my sister was home from college for the weekend so I spent some quality time with her and mom. Also, I crammed in some study time for my classes and took two of my midterm exams. Somehow, I also found the time to get some food prep in for the week using up some of my beautiful farmer’s market finds– egg skillet with greens, potatos, onion, and pork sausage, and some roasted sweet potato, steamed broccoli + green beans, and chicken breasts for lunch!

See what I mean about needing a weekend after my weekend?? I think I’ll go take a nap now… :)

5 Remodeling Realities No One Talks About

Dave and I are at the tail end of our remodel and the painful beginning of the actual moving process.  I thought I would do a series of posts that highlight what we’ve learned, how we did little things to make our home “ours,” and general tips.  We are real estate agents but we’re also human, I hope you’ll find our chronicle of our adventure funny and useful.  I’ve decided to make these posts a…

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Can someone buy a home with no money down.

Asked by an anonymous Tumblr user.

According to the U.S. Department of Housing and Urban Development:

There are mortgage options now available that only require a down payment of 5% or less of the purchase price. But the larger the down payment, the less you have to borrow, and the more equity you’ll have. Mortgages with less than a 20% down payment generally require a mortgage insurance policy to secure the loan. When considering the size of your down payment, consider that you’ll also need money for closing costs, moving expenses, and - possibly -repairs and decorating.

Learn more about how to buy a home with a low down payment.

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So we saw this bungalow today.

Not a “our realtor called us after we got approved for a loan of a certain amount so we went looking at houses” showing, though. More like “hello, this looks like it’s close, wanna go get a look at it”?

The broker that works with our realtor says that she can’t find our credit score. I guess it’s lost in credit land, but either way, after waiting a month to figure out our budget she hasn’t helped in the least. Mike’s going to go to our bank tomorrow instead since they do home loans and our credit is good with them. Hopefully, tomorrow we’ll know our budget. Even more, hopefully we’ll know if we can afford this baby or not.

I love it. Don’t get me wrong, I could definitely move on if it doesn’t work out, but for now, I love it. It’s nearly 70 years old, so there’s a lot of old charm. However, it’s been flipped so everything is new. Gorgeous hardwood flooring throughout, arched doors ways, updated kitchen, built-ins, perfect amount of beds and baths. It’s small, something that I want in and home. (Michael, not so much.) It’s beautiful and I could see us living here.

We’ll see. The biggest thing is that we’ve got to get the loan, THEN I can call our realtor if it’s manageable. It’d be great if this all fell into place so perfectly, but I have a feeling that it won’t be like that at all. No matter what though, this is one beautiful home!

Moment Two: Cody bought us a house!

Obviously these moments are not going in order of excitement– but in October Cody bought us a house! I mentioned that we were looking on tumblr I know for sure– but I may not have conveyed what a headache home buying is. Sweet Jesus, it is not as easy as I expected. 

I guess being a nanny and getting to watch hours of HGTV a day ruined me. I expected us to look at homes and fall in love with many. What was totally unexpected was just how many houses suck. And we make good money! Our price range absolutely should not have included houses with nasty water stains all over the carpet– but oh, we saw that and more. Thankfully we found a house that we both fell in love with, eventually, and had our offer accepted. 

We actually bought the second house we put on offer on. The first one’s owners decided they didn’t actually wish to sell after all– and I may or may not have cried at the loss of the home I was already imagining for us. However this actually worked in our favor, because the seller of the second house– the one we actually bought– were willing to fix every single thing on the inspections list! Which NEVER happens! So we moved into an old, but newly renovated and completely updated and safe home. Which has been an amazing blessing. 

Once we are no longer living in boxes I may take pictures for you all. Maybe. And yes, we’re still in boxes a month and a half after moving in. Don’t you judge me!

My beans and I in the shower at the house we liked!

We went back to the house today and really loved it. A lot. Unfortunately, they already have an offer. A cash offer. Ugh.

Our realtor took us back to her office and we put in an offer at list price, but I’m 100% sure they’re not going to take it. It sucks, but hopefully we’ll find something else we like next year!