What a Day!

So we were told all this week that we were definitely closing on the house on Friday (today). In fact, we knew that if we didn't close today we would loose our mortgage and our locked interest rate and would have to start completely over: a daunting thought. But as of last night when we went to bed we still had no closing time. They said we'd know in the morning. Noon came today, still no closing time. But we were assured it was still going to happen today. Our real estate agent, Cheryl, was *wonderful* throughout all of this, putting up with our many anxious phone calls. About 3:00 we (and by "we" I mean mostly "I") were getting extremely anxious because we still didn't know the amount of cash we had to bring to the table and if we didn't find that out before 5:00 we couldn't go to the bank to get the cashier's check and we wouldn't be able to close today. At 4:20 we finally got the call to go to the bank so we headed over, got our check, and headed to our closing. It took about an hour and a half, we signed 50,000 pieces of paper, found out that we saved a good chunk of change on closing costs, and then it was done! We are now officially homeowners, and we are *so* excited!!!!!!!!


The removing of the "For Sale" sign - minus the selling real estate agent's information (she is not someone we would ever recommend working with...).

We are never ever ever...

...ever ever going to close on this house. Well, that's seriously how this feels. I keep getting my hopes up and they keep getting pushed down. Again and again. This whole house-buying process has felt like this and I am just so over it.

It's not that we are never going to close. We are like 99% sure that we are. The problem is when. We don't know. We keep getting told that it will be this week. Then by the end of that week they say, "Next week." And part of me just wants to scream! We were supposed to close last Friday, then it turned into this Wednesday, then Thursday, then Friday. Now we're thinking next week. But I'm tired of telling people that this will be it because it keeps not being it. Plus what's also really frustrating is we have plans and we can't do anything to this house until we close. We were supposed to move our stuff out of our storage unit to the house this weekend so we could get rid of the unit. But now we're going to have to pay another month for that, too.

I am just so ready to start this new life. To finally be able to be our own little family. I love my parents and my siblings, but there comes a time when you just need to be on your own. I did everything in my life out of order. You're supposed to graduate, get a good job, move out, get married, then have kids. And I am not complaining, because I love my life. But I just want to reach that "move out" stage so I can finally start feeling like a real adult. Right now, I still feel like a child. And I hate that.

I am sorry for the rant. Today has just been a frustrating day.

Quick Post...

So the house has been FHA approved! We're basically just waiting on some final paperwork and we should know by tomorrow if we are closing this Friday or next Monday. SO EXCITING! I cannot wait to get to work on this house, and make it our own :)

In other news... My dad got this computer working so while it isn't new, it's newer than my old computer. And now it has internet so that is even better. I can now upload some new pictures from my camera and post them so you can see our temporary cabinet in the house, among other things.

I need to go to bed now. This is going to be a loooooooong week...

A Quick Update

Right now it is looking like we will be closing on the house next Friday, the 21st. The dry wall is going to be repaired, and we are just going to make a plywood and curtain structure to replace the cabinets that are now missing, which should be enough to make the house mortgageable. Home Depot currently has the cabinets we have our eyes on on sale for 20% off so that's good timing. We will buy those and have them ready to put in for when we close :)

We are getting so excited that this might actually finally be happening for us!

The House Saga Continues...

So. This house is a bank owned house. There is the bank that owns the house, and then the mortgage company that we are getting our mortgage from (I don't know the names of either). The mortgage company is basically requiring all the repairs that need to be made to the property are completed *before* we close on this house. The bank had agreed to take care of the big stuff (mainly- the mold) and most of the other things are stupid and stuff that we don't care about. However, we want the house so even though it is against our better judgment, we decided yesterday to go on ahead and just invest a couple hundred dollars and a weekend into these improvements.

So we went by the house last night to take some measurements and got in to discover that the people that were there to fix the mold didn't finish the job. This is what we saw when we got there:


They didn't replace the dry wall in the kitchen, and now some of the kitchen cabinets (which were broken) are completely gone. We can't just go put another one in because then they won't match, and we are not going to replace all of them.

So now we are waiting to hear back from the bank again to find out if they are going to fix the cabinets. We need to hear back from them asap because if they are we still have other repairs we need to start on that have to be done by Tuesday if we want to close on the house next week. But we don't want to put anything into this house if the bank is just going to tell us to shove it.

I really am so completely over this. I just want the stupid stuff to be behind us so we can have our house! It's like, nothing can go right in this process.

I'll keep you posted.

House.

As I mentioned before, buying a house has been one of the most frustrating experiences we have every been through. When we started this endeavor a year ago, we foolishly thought that we would be in a house within a few months. However, while the housing market is a fantastic one for people who have a couple hundred thousand dollars in cash, we are not one of these people. So, instead, we have to rely on the horrible mortgage companies - which has been such an ordeal.

We are currently under contract for a house in Apopka, Florida that we were supposed to close on at the end of October, and here it is the middle of December and still no house. At this rate, I honestly will be surprised if we close on this house before spring - if we ever do. If this house falls through this time, though, we're thinking now just may not be the time for us.

So it's not that we are not sharing any information with anyone. The problem is: We don't even know what is going on. Just keep your fingers crossed for us. Because we really want a house. And soon.