Showing posts with label house. Show all posts
Showing posts with label house. Show all posts

Monday, August 18, 2008

There goes the vacation plans

This afternoon, late of course, I received a call from my tenant in Augusta, that only a few electrical outlets are operational, and no electricity is available in the house.

How long has it been, I asked. Turns out he had been battling it since the weekend. Poor things.

He wasn't stressed, and I'm grateful for it. So I shouldn't either.

But at 4 p.m. CST, 5 p.m. EST, how on earth am I able to find an electrician to head on over? I called the contacts I have and had a couple of recommendations. But one of them couldn't go over until morning. Of course.

It sounds like one heck of an expensive job. The circuit breaker is not working, and I fear the entire old house has to be rewired. Ouch. I may have to take out a home equity loan. I don't even know how that works.

Home ownership is overrated and sucks. But if I should take away any lesson all these years from home ownership is that repairs are going to happen, sometimes they are affordable, sometimes not. There's nothing to do but be responsible landlords and adults, and take care of business.

Friday, July 6, 2007

Be Responsible

Good news since I so seldom start with those: I got a renter! Yay! And it's an MCG student with her husband. Only 1 week of empty space and the house is going to be occupied next week. Couldn't ask for better since we are hit with a heavy rent in Illinois, we couldn't afford to have 2 "house payments."

I'm soooo glad to be rid of my previous renters. Let's hope the new ones will be better. Without going into much detail, it's enough to say being a landlord is not easy. Those of you who know M and me, know that I'm usually the nitpicking one, and M is willing to give everyone the benefit of the doubt, to a fault.

Anyway, we have rented in multiple places and always treat the place with respect and care. Can't say the same with our previous renters. It's costing us more to have them around. So I am beseeching those of you who are renting, please, please, please:

1. Pay your rent on time
2. Admit your tardiness and pay the late fees accordingly
3. Take care of damage you caused right away
4. Keep a perpetually clean house so that you don't have much to clean on your last harried days
5. Water the yard
6. Do it when you say you would
7. Respect the house
8. Bathe your pets. Pet stink are disgusting and attract fleas, etc
9. Answer your phone or e-mail

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Christina: I so agree with you on this one! I was proud to have been told by my previous landlords at the beach that I was an EXCELLENT renter. even if Snow did claw up the furniture a few times. I should copy your guidelines, tweak them for the "temporary" condo renters and send them out!

Me: Of course there will be mishaps other than regular wear and tear. As long as the renters are responsible towards it, I have no qualms. I like to think we are fair. We even paid for Merry Maids to get the house ready for the new renters cuz we have word that our old renters left the place not clean (to our standards) and smelling like wet-dog high heaven, and with fleas nonetheless.

Tuesday, March 6, 2007

Getting rid of the PMI monkey

I received a letter from Chase Home Finance yesterday. I knew what it was.

I had recently put in a request for my PMI removal (the interest one pays the bank when it's not 20% downpayment so as to protect the lender. It's a crock of @^%&). They had followed up with a payment of $150 to send a rep out to my house (in Augusta). The rep showed up a few weeks ago and took pictures of my house.

Those pictures are then sent back to Chase for them to appraise the value of the house. If their appraisal thinks that present equity satisfies the 20% limit, then we are off the hook to pay PMI.

We felt that by now, we have made enough payments to offset the 20% value, and were hoping that the extra $25 PMI we make each month in addition to our mortgage will be off our back. That gives us multiple savings over the years.

When this letter from Chase showed up in my mailbox, I was expecting for huge corporation to screw us. But lo and behold, the first few words could not sound sweeter.

We finally got rid of the dastardly monkey.

How to get rid of PMI

Wednesday, February 7, 2007

Finance Update

Got the damage taken care of. It's a little more than 1k less than expected. But it still hurts.

For those of you in Augusta who someday need repairs done to the house, these are my recommendations so far (sight unseen for HVAC but good word of mouth):

Chuck Long - plumber (706) 589-4974
Cliff ____ - HVAC (recommended by Chuck) 706 -533-5816

Be sure to tell them Miss Ling of 2733 Edward Drive sent ya. My rep goes a long way.

Saturday, January 6, 2007

It's Just Money, Right?

I'm so depressed I don't even know where to begin.

Ok, I still have this rental house in Georgia. Today, the renter e-mailed me and told me that the heater has gone out again. There was a patch-up fix last year apparently. Anyway, I got in touch with a plumber I trust in Augusta to recommend a HVAC guy, who promptly went to the property.

Anyway, I got a phone call from the renter that the news is not good and I'll hear it from the HVAC guy tomorrow. It appeared we have to replace the whole damn unit as the gas line has a crack in it. Because of that, HVAC guy has to shut off the line and my renters have to stay in a hotel. According to my renters, the last time we had a minor repair made, an estimate of $4600 came up to replace a unit. So we should be expecting to pay that much this time around.

Now, we aren't exactly rich. Sure, we have equity. But what's the good of that if we have no cash flow, right?

M just paid 1 month's rent, 1 month's deposit (and it's no small sum) for a rental in Chicagoland. He needs a bed. And there's the air tickets that I had bought for Feb and March. Not to mention about $470 repair sometime next month for a CV joint in the VW.

The situation really sucks right now. But what can I do? "Grant me the serenity to accept the things I cannot change/Courage to change the things I can/And the wisdom to know the difference" I keep chanting.

Afterall, it's only money, right? Our health is intact, we have roofs over our head, we have jobs. The money just will have to be re-earned in due time.

I guess it's time to bust out the credit card and suck up the interest.

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Jeremy: I'm sorry to hear about all the problems. I am sure it will work out. I also hope that you might be able to, hopefully, sell the house in Augusta.

Read the contract--you could be liable to reimburse them, but if it's not spelled out, it's up to you. Mine is very specific with the current rental property but doesn't specifically state anything about temporary lodging (I'd probably go down the road to my grandparents' house, to be honest, if anything happened).

Be glad you have the credit card to bust out. Some of us are left to our own devices.

Patrick: Wow, for the first time in my life, I actually feel sympathy for a landlord. That truly sucks; hang in there.

Me: I calculated last night that I made out at least $6000 in repairs last year! Anyone knows how much Uncle Sam reimburse during tax time?

Melissa: I'm so sorry I'm just now seeing this!! My goodness! Like you said, you have so many other things to be grateful for - good health, jobs, etc - but at the same, ARGH!!!! Damn financial set backs!!! You have every right to scream (or blog!). I'll be thinking about you guys and sending you some "good rental repair" vibes!


Friday, November 10, 2006

Enough possessions already!

I'm looking around my rental home in Lubbock and wondered why the hell did I unpack so much of our load.

I had pictures hung up on the wall, loads of kitchenware stashed in cabinets. And now I'm moving out in mid-December. I know we leased this place for 6 months but the homemaker in me just can't resist making the present place homey. Now, I have to start taping up the boxes and packing the miscellaneous back.

I only started househunting (for rent, not to own) yesterday and today, I lucked out finding one in a good neighborhood that has two tennis courts, playground and lake nearby, and for $300 less.

Since I never got into a habit of soaking, the small tubs don't faze me either. I hope I can convince M to take it. The public tennis courts and cost more than make up for the flowery granny wallpaper.

The cost of rental in Lubbock is ridiculous considering the standard of living here is low and cost of living high.

Most newer homes rent for $1000 onwards, and the older houses with the panel wood walls and musty carpets rent for $900.

My renters in Augusta should realize they scored well with our home.

They got it for a song.

Wednesday, September 6, 2006

Forget the 3-second rule

And always wear shoes outside. While we are at it, gloves, too.

First of all, thanks to Christina for the advice pertaining to the critter blog. (Frankly, do you guys check back to see if your comments are answered? I do! Yeah, I need validation and a life.) My shoes will be thoroughly shaken to rid them of any pestilence.

Speaking of which, another set of critters were delivered to us, courtesy of our fearler predator Bubba.

I awoke this morning to find that our small patio table was shifted away from the wall. Since I told myself umpteenth times not to sweat the small stuff anymore, I let it be.

Now, my morning ritual involves lugging an array of supplies to bring to work, like my copies of the local paper and the WSJ, bills, sometimes, the travel coffee mug, my jacket etc. (and you fellas thought we stop at handbags), I flung today's offerings, the papers, on our bigger patio table.

The slam it made on the metal table would hardly serve as a wakeup call to one's neighbors but M jumped, and told me to essentially cool it, and take a chill pill. I'm paraphrasing, of course. But few things cause my husband to be jumpy and I asked what the big deal was. He asked if I didn't hear a sound, a squeak essentially. And I calmly said: Oh, is that what that sound was. What is it?

Now, most of you are pretty wise by now where the story is going. But trust me, if you were me this morning and you're not a morning person, you can be oblivious to a lot of things.

He said Bubba caught a field mouse. And he, M, rescued it, which explains why the small patio table is pulled away from the door cuz our clawed cat was flicking it about. I've seen him done that before. That cat is so sadistic, I love it!

Now, why the hell would you want to do something like that, I asked him. Just kill the damn pest. Yah, and I'm born Buddhist. He said there's no reason for a mouse to be subjected to such torture and he used my decorative tealight candle holder to store it for the time being.

Urghhhhh, I feel so contaminated. I know it's no big, mean rats but they are all in the same family. I don't feel so good living in the country all of a sudden. And I'm real proud of my cat who is serving us well in return for his maintenance and lodging.

As we were getting ready to head out, M noticed a limp gray matter on the deck and we recognized it to be another field mouse. A dead one. My cat managed to get to it in time. Good for Bubbs, I say. Frankly, sometimes, I'm really glad my eyesight isn't that great to see all the details.

So, this finally brings me to my point that I will never ever abide by the 3-second rule again. If any food, utensils etc fall anywhere in and outside the house, it goes right to the sink.

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Melissa: LOL!!! After that story, I'll probably think twice about abiding by the 3-second rule too! ;-) Along the same lines, when I was still living at my parents house (so, if memory serves me correctly, this took place some time during high school), a mouse somehow became trapped beneath the floorboards in my bedroom. All night long, I would hear it clawing and chewing. *shiver* I tried to convince myself that it was a 'friendly' mouse by naming it Fievel (from "An American Tale"), but it didn't work! LOL!!! Every night, I had visions of this monster mouse chewing its way through the floorboards and carpet, and then running across my pillow!!! ... We don't know whatever happened to Fievel. One day, the noises just stopped. We don't think he met his demise down there, because we never smelled anything. He must have just finally decided to turn around and go back out the way he came in! *shrugs*

Christina: We thank God have never had a problem with mice in our house here in Columbia although a few others have. What we HAVE had in the neighborhood, however, which is worse...is...(scary horror movie music inserted here)....RATS. This is because we have a lot of manmade lakes in the area with drainage pipes and spillways and etc. and unfortunately these are areas which tend to attract....rats. They thankfully rarely come up into houses but just to see one running around in any proximity to your dwelling is unnerving. This is why I am also thankful the lakes provide us with plenty of snakes to keep the rat problem under control. We also have red-tailed hawks from the nearby Fort that fly over and practice rodent control so that is a help. As for ever seeing one even near my home, I'd probably have a coronary.
As for field mice, I could probably handle them okay. and I'd rescue them too. However, any rat who ever came near me would get a shovel to the head!

Saturday, September 2, 2006

Where the Wild Things Are

Since being in my home in the country for a little over a month now, the creatures are coming out of the woodwork. I only wish I have photos taken, but they won't look sightly next to the toilet paper floating in the toilet bowl where I tossed them. Gotta flush those suckers away.

First sucker: scorpion
Yup, not your typical dark shelled stinger. The 2 I've found so far are translucent white. They still have that curled tail.
The first time I found one, it was on my bathroom sink.
The second time I found one, it was on my bathroom floor.
They were both discovered in my groggy, almost-blind morning state. I could've stepped on it.

Second sucker: centipede
Before I had a chance to research on these babies, I picked it up and sent it to the porcelain bowl. Now, I found out that house centipedes are good controls for spiders and other small insects. Still, how am I to know if this centipede was a house or outside one. Apparently, outside centipedes cannot be controlled. Since I live out in the country, and surrounded by desert fauna, I better be safe than sorry.

Now, I add another routine to bedtime, flipping the covers, checking all surfaces. And to meal time, washing all cookware to make sure there ae no evidence of creepy crawlies.

This is the country lifestyle I've to compromise for being surrounded by beauty. Small price, I guess, until I'm stung or bitten by one of these creatures.
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Patrick:
Oh wow, and to think I got worked up over mere camel crickets and cockroaches. I can handle big spiders too, but scorpions? Aw hell no!

Christina: Ling -- had no idea you were in scorpion country. Rule #1: CHECK YOUR SHOES. If you have closed toed shoes or slippers sitting around shake them out before you put them on in the morning. Scorpions love dark moist environments, especially shoes. This was the first lesson taught to me when I visited friends in Mesa, Arizona a few years ago. They were still freaked out by the scorpions having just moved there but I told them I'd trade scorpions in exchange for no humidity, no mosquitoes and no palmetto bugs anyday!

Good thing you're checking cookware because for some reason certain lizards like to curl up in teaputs, kettles and pots. Again, I wouldn't mind doing that in exchange for never having to see another three inch palmetto bug!

Melissa: Wow!!! Scorpions!!! And inside, no less! Ewww! *shivers* I didn't know there was such a thing as a tranluscent white one!


Saturday, July 29, 2006

A Tale of Sweat and Tears

"Thank you for choosing Bank of America. It is our goal that you be highly satisfied."

Yeah, try again. But not with me. Cuz you aren't getting my business ever again.

It's cliche to say I never thought the day would come to close on the house in Lubbock, but it certainly felt that way for since the beginning of July.

I did my homework by calling on a few financial institutions for preapproval and eventually settled on the one with the lowest interest rates and up to $2000 in closing costs covered by them. That would be Bank of America.

When the ordeal begins I don't rightly recall. It's definitely in the first week of July. But I do remember the process very well.

First, the rookie refused to give me anything in writing, not even a Good Faith Estimate, to show that my rate has been locked. I had asked him for 2 earlier for other houses we were interested in. We got those. But the final one, he said he wouldn't give because the "confirmation number" we got would be null and void and we would have to go to the back of the line, and that would slow the process down. But he assured me he will relock it in a few days' time at the same rate.

Well, in a few days' time, he called me and said we got the same rate but we also were hit with discount points. That's the money (roughly $500) we have to pay in our closing for relocking at a later time. I told him that I shouldn't be hit with those points due to his relunctance to lock the rates when I told him to, and that I am really furious with him for misleading him. I took the issue to his boss, who later reimbursed me with a credit to my savings account.

Second problem: the loan is now carried to the corporate BOA lenders who are checking for every detail in my past credit history. One of them called me and asked if I own any property. I told her I still own a house in Augusta, Ga., which I am currently renting. She indicated that is going to slow the process down as it wasn't "disclosed." I told her it wasn't "disclosed" because I wasn't asked about it, and wouldn't it be the local loan officer to ask me for every document (which he didn't ask for a single one) before sending my file up to corporate? They tried to pin it on me that I was "hiding" information. She said I told Bill the rookie I'm renting. I said, of course, I'm renting. I'm renting right now in Lubbock. But that doesn't mean I don't own a house somewhere, too. Bill the village idiot didn't ask the right question. And I can't think of providing every detail of my life as there's too much of it. The loan officer needs to ask the right questions. That's what they are paid to do.

Third problem: Another call from corporate. And they said this is the last one and we can close in a day or two. They need proof of my savings. That I have enough money in my bank account for the last 3 months, my paycheck, and my W2s from the last 2 years. I printed my bank statements from the computer as the paper version has not arrived. And I marched into Bill's office to have him copy and fax them to corporate. I got a call later that day saying they cannot accept the most recent statement as it doesn't have my account number on it. I told them the last "statement" is not a real statement as the month is not over yet. But if they use common sense and see that my name on it matches that from the 2 before it, it should work, right? But, no, they won't accept it. I called my bank and had a manager there fax me their copy with my SSN, name, account number.

Fourth problem: They called me that night (around 7 p.m.), and told me that they ran into another problem. The W2 shows a different name from the place of employment. I tried to explain to them that Mr. Morris, the man who owns the Augusta Chronicle, does not own only newspapers, but ranches, pecan farms, horses, tourist publications, radio stations, magazines, and they fall under the umbrella name that's on the W2s. They can google it and find out. But that took about 15 minutes of explanation and they said they'll do it tomorrow morning.

Oh, you'd have gathered the closing is not happening by now. But they said that should be last problem and we can close by week's end.

Fifth problem: They called and said the whole company name thing checked out OK, but do we know we are buying a leased land property? Now, this property works differently from most houses y'all would come to own, if you haven't already. We are on a state park. The house you buy belongs to you once it's paid for, but the land is yours for only 50 years. We don't care what happens after 50 years, personally, cuz we don't plan to be in Lubbock forever. But the bank is fretting over that. I told them I'm aware of it and am surprised they are not, since I asked every lender (3 if you recall) if they will lend for this particular venture. They all said yes. Bill the rookie said yes. Apparently, Bill the rookie didn't inform them that. Now, corporate is freaking out cuz this is something new to them.

Sixth problem: They need an appraisal. I told them they can get it from the seller who already has them. No, they need a new appraisal since they found out it is a leased land. We said fine, let us know when the appraiser is showing up.

Seventh problem: "Ling, why aren't you employed for 6 months?"
"Err, because I had to move and I can't find a job that fast. And I wanted to take a break."
" Can you write a letter explaining that?"
"Sure."

Eighth problem: "Ling, we can close tomorrow. But you have to pay PMI because you were unemployed for 6 months." Basically, the bank doesn't think I have the money to pay my mortgage.
"But I'm working now, and I'm not making any less from before."
It didn't matter with them. And they said the PMI is no big deal and I can pay it off fast.
I told them, I am still paying my PMI and it is not easy to shake off. Besides, the most important thing is, I told Bill the village idiot, when I decided to go with BOA, that I want an 80-10-10 loan so I won't have PMI, and that I also didn't want discount points.
Now, they try to hit me with both, one of which I managed to get out of.
They still insisted my 6 months of unemployment put me in an unfavorable light (that in spite of my near-perfect 750 credit score, and stable employment now), hence they can't give me an 80-10-10 but a 90-10.
I told them I need to talk to my husband about it but we are very likely not going to go with them if they insist on the PMI and 90-10.

Now, this is 3 weeks of ordeal, and 2 days before this final straw, we met with a local lender recommended by the Realtor. He went through all my papers, drew up a Good Faith Estimate, and basically told us all he needed was a letter explaining my 6 months of unemployment, a new appraisal and we should be able to close in 2 days' time. Oh, he had no trouble with Mr. Morris vs. Shiver Trading Co. vs Morris Communications. He googled it on the spot, and said it's no biggie.

And we closed on Friday, the last day of our vacation, with this local lender. BOA has cost me a vacation out of town when we were trying to close the week before.

So, BOA, you have a bunch of people not knowing the process, not communicating with one another. You basically have lost my business for life.
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Melissa: Ohhhh, Ling!!! Bless your heart!!! If it makes you feel any better, I understand how you feel! I went through almost the exact same thing when I recently refinanced my house. What should have taken a few weeks took several months. It was an absolute mess. And just like with you, the mortgage company wouldn't accept an online bank statement b/c the printout didn't have my bank account number on it (even though my name and address were!); they asked for pay stubs but then dragged their feet so long that they made me resubmit pay stubs again - not once, not twice, but THREE times; the loan officer quoted me a wrong estimate *and* told me if I accepted the estimate that he would pay off my credit card, but in the end when he couldn't do so, he waited to reveal that piece of information *after* I'd signed the papers, so now I'm locked into a piggy-back mortgage with exorbitant payments as well as the credit card debt... And on and on and on. They even screwed up the closing paper work so that in the middle of closing, we had to stop, have the company fax in the correct paperwork and then it was a week after *that* before I was able to close. Then it was 2 weeks after that -- and took a call from my lawyer -- before they deposited the money they owed me from the "cash back" into my bank account. It was unreal. I honestly considered going to the Better Business Bureau over this company. Their name is Eastern Residential Mortgage, by the way! Everyone, steer clear of them!! ... Anyway!! I'm so sorry about your fiasco!!! There's a special place in hell for those people! Bah!

Christina: Oh mY GOD Ling. I am so sorry you had to go through this with BOA, but from what friends of mine have gone through with them plus what I have read about them on various financial and credit-related forums, I can see you too have been a victim of the BIG CORPORATE MONSTER that is BOA. STAY AWAY PEOPLE.

Let me warn everybody about something else that can happen even IF you go with a local bank. I got my mortgage for the condo I own in North Myrtle Beach through a Columbia-based bank. Great experience. THEN three months later they made the "business decision" to sell their condo mortgage accounts to a huge corporate conglomerate, GMC Mortgage. This made me very unhappy but I didn't bother to complain. This is something smaller banks often do. And I have nothing really bad to say about GMAC except God help any of you if you deal with them and God forbid a check in the mail goes one day astray because of a holiday. GMAC's collections folks could summon the dead. They ought to call them to find Jimmy Hoffa.

But really, yes, Ling, it was the best thing to go with a local lender. Trust me I am only dealing with local banks and credit unions for the rest of my life. And I"M SORRY you had to go through this!!!!

Friday, July 21, 2006

Things nobody ever told you about house-buying Part 1

If you're ever going to buy a house, you'll find there are plenty of sites out there soliciting your money (Lendingtree brokers, etc) but very few that offer real-life advice. Here are a few of my humble tips if you are so inclined to pay heed to:

1. Do not bank with the big dogs
Especially Bank of America. It has consolidated so many banks that now it cannot even keep track of what it's doing. Saving that $2000 in closing costs is not worth the angst and ill preparation they put you through. Suck up the closing costs and negotiate on them if at all possible.

2. Do not have a rookie loan officer service you
In Texas, instead of having an attorney to handle the closing, we have what they call a Title Company. The title officer told us he asked the rookie for a most fundamental request and the rookie had no idea what he's talking about.

3. Save. Save. Save.
At least up to 20% of the house you're going to buy. For instance, if you think you can afford up to a $140,000 house, you need at least $28,000 for a 30-year conventional loan. If you cannot afford 20%, then go with an 80-10-10 loan. That means you pay 10% in closing cost of THE HOUSE (not all the closing costs that include fees, tax, insurance etc), and you are left with 2 loans at 80% and 10%. The 80% loan is lower in interest for 30 years, and the 10% loan is higher in interest for 15 years. You will now have 2 mortgages - 80% and 10%. But this will save you money in terms of not paying PMI.

4. PMI
It's the obscene interest you pay the bank for lending you money since you don't have 20% of the house price towards closing costs. The bank will try to tell you it is easy to get out of but it is NOT. Especially after they sell your loan to a different company, they do not have to deal with you anymore. That different company will require you to jump through lots of hoops to clear that PMI

5. Discount Points
What a misnomer. It's no discount. It's a fee the bank charges you to relock a rate. Be sure when you apply for a pre-approval that you specify you don't want discount points and PMI.

These are the lessons we've learned so far in our home acquisitions. I'm sure there'll be more growing pains to come. If you have any advice for me, I'm all ears.

Tuesday, June 20, 2006

Home on the ... canyon

Hi all, we have moved AGAIN! This time, we bought a house. What an ordeal and one that's still ongoing.

DO NOT BANK WITH BANK OF AMERICA. Too much bureaucracy, and if you're unlucky like us, you'll get a freakin' rookie handling your business. AAARRRGGGHHH.

Here's our new address should you plan to send a housewarming gift or even a Christmas card. I'm joking. No gifts, please. We are getting rid of shit we don't need.

223 Chuckwagon Rd, Lubbock, TX 79404.

Oh, here's the pics, and video to come once this craziness is over. Pray for us.

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John Sinclair: Holy crap, that looks beautiful. How many bedrooms? You taking visitors?
But Ling ... WHAT ABOUT THE MOSQUITOS???

Me: Not too many mosquitoes cuz the breeze is almost omnipresent. We have enough sleeping areas. Besides, there's always the camp ground! yup, you're welcome to pitch a tent!
Be sure to come soon b4 we leave Texas in the dust in a few years.

Christina: That looks gorgeous, Ling! Congratulations!
and I couldn't agree more on Bank of America.

Saturday, June 17, 2006

House News 2

Remember the good news of the house we got? Well, we cancelled the contract. We are taking a risk by buying a house on the canyon, with a great view of the lake. It's one of the few water sights you'll get in this arid place.

Yah, it's messed up. Thing is, we could sign a contract and get the paperwork going right now. But I got locked into this other contract with that first realtor that's called a Buyer's Agent Agreement. NEVER EVER SIGN IT if you can help it.

When I first signed it, we thought that the first house is it. We were told this lake/canyon house is already sold. However, a runaway bride cancelled the contract and it's back up in the market.

Since I'm bound in this present Buyer's Agent Contract, which expires on June 30, the realtor of the canyon/lake house refused to go into any paperwork with me. (Note, she says it's HER listing. In other words, she doesn't wait to share her 6% commission. Greedy bastard. BTW, she lives in that area and thinks she is the grand po-bah of the listings there. Ego.)

Anyway, we decided to take our chances by taking her word that she will wait for us. Come July 1, which also is my b-day, we can get a contract going with her (that is IF SHE KEEPS HER WORD). Otherwise, it'll be a horrible b-day.

But is all lost? Not really, there are other houses shown by realtor 1 that appeal to us as well. So, we'll have a place to move into. But with time not being on our side, we may have to move stuff into storage, stay in an extended stay for a week, and move.

Housebuying is one difficult lesson of life.

Monday, June 12, 2006

In the nick of time

We made an offer on a house and was accepted.

Surprisingly, we manged to find a house, with the help of an agent, over the weekend. We made the offer this Monday afternoon, and was accepted after the expected counteroffer.

And all in good time, too:

Our current landlord will be returning to our rental on July 22.

My in-laws (mom and 3 kids in tow) are coming to the Southwest for 2 weeks beginning July 14.

I'm going to training next week in Augusta.

And we are closing on July 13!!!!!

How close did we cut it?!?

There is a God. And the house is nice, too. It's in the neighborhood I want to be in - near a good supermarket, a park with tennis courts, pond, children's playground. And it has TREES!!!!!

Also, we believe property will be desired in the near future as there are lots of development coming up near it.

Oh, the floorplan is lovely, as well.

Friday, June 9, 2006

The process is a blur

It has started again -- the ordeal of home purchase.

I've been through it once, and it is still an ordeal. Particularly so when it has to happen when I have a full-time job. Ah, the irony. Kinda got the money but no time. And the only one with great credit (can anyone beat 750?)

But it hasn't gotten clearer. I swear these loaners are nickle-and-diming us to the state of confusion, agony and possible thougths of separation! Evilllllllll

Just got to get it out of my system. That's what you guys are here for!

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