We broke ground today!
Friday, March 30, 2012
Whoop!
We closed on the house yesterday!
Today they deliver dirt and start grading the area they are going to put the house. And, of course, it looks like rain. :) Kind of figures.
The house is ready to go, it's in Austin now and the movers are going to go get it next week and start the drive to us. It almost seems real now. :) It'll still be June 1st or so before we can move in.. There's lots to do between now and then, but I really do feel like a weight has been lifted. We're actually going to get the house. They can't decide last minute that we don't qualify for whatever stupid mistake I made.
PHEW
Today they deliver dirt and start grading the area they are going to put the house. And, of course, it looks like rain. :) Kind of figures.
The house is ready to go, it's in Austin now and the movers are going to go get it next week and start the drive to us. It almost seems real now. :) It'll still be June 1st or so before we can move in.. There's lots to do between now and then, but I really do feel like a weight has been lifted. We're actually going to get the house. They can't decide last minute that we don't qualify for whatever stupid mistake I made.
PHEW
Thursday, March 29, 2012
Today is the day! We close on our house and take one more step towards home ownership and country life.
I don't mind telling you, it's pretty terrifying.
Of course, we don't know where we're going, or what time we're going to do it. Only that if we don't do it today then we'll have to come up with between 600 and 800 dollars in closing costs.
Oh and our air conditioner broke yesterday.
Oh and we still have the whole house to pack and move.
I have no idea why I am stressing about this move. ;)
Wish us luck today. We'll need it.
I don't mind telling you, it's pretty terrifying.
Of course, we don't know where we're going, or what time we're going to do it. Only that if we don't do it today then we'll have to come up with between 600 and 800 dollars in closing costs.
Oh and our air conditioner broke yesterday.
Oh and we still have the whole house to pack and move.
I have no idea why I am stressing about this move. ;)
Wish us luck today. We'll need it.
Wednesday, March 28, 2012
All my paperwork is packed, are we ready to go?
I turned in all my outstanding paperwork yesterday. disclosures, redisclosures, statements, surveys, tax records, you name it. It's amazing how much personal information they want when you are trying to get a home loan. I think we're ready to go though. I haven't heard back from the PHH loan coordinator as she needed to leave early yesterday.
I wonder when this whole thing is going to seem real and not some huge exercise in frustration and stress :)
Wish us luck :)
I wonder when this whole thing is going to seem real and not some huge exercise in frustration and stress :)
Wish us luck :)
Monday, March 26, 2012
Buying and Building a House
We started this journey a few months ago when I discovered the USDA Rural Loan Program. As long as your credit isn't totally in the dumpster, you can get a guaranteed loan with a $250 down payment. You have to understand that while we usually make ends meet, we spend what we make and are aren't very good at the whole "saving money" thing.
My mother has 60 acres outside of Dallas and has always said we were welcome to come out there and build a house, but until I found the Rural loan program, the idea of us getting enough money together for a house down payment was pretty laughable. The government website has a listing of approved mortgage vendors to use, so I picked one and applied for a loan just to see if we'd really qualify. WE DID. Unfortunately after applying and getting approved I found out we'd only be able to get a prebuilt house or a house in a subdivision because the RLP didn't cover construction loans. Ugh. Figures.
We started shopping for a mobile home since that was pretty much the only way we'd be able to get a home built on our property. We decided on a Palm Harbor as we'd looked at them before and we liked their construction, their aesthetics and their size. We decided on The Gotham, a 3k sq foot monster with two living areas and 4 bedrooms. Our oldest would have his own bathroom and bedroom, the next oldest would have her own bedroom and the two smallest would have their own bed.
We're a little worried about the luxuries once we move.. we won't have city sewer, we won't have high speed internet, but we will have plenty of room for the kids to play, plenty of room for some farm animals. Good schools and a real old time Main Street. We'll be 15 miles away from a Walmart and other big chain stores and restaurants, but there is a local grocery store and a few fast food restaurants so we'll be able to get our greasy food fix occasionally without having to go too far.
My mother has 60 acres outside of Dallas and has always said we were welcome to come out there and build a house, but until I found the Rural loan program, the idea of us getting enough money together for a house down payment was pretty laughable. The government website has a listing of approved mortgage vendors to use, so I picked one and applied for a loan just to see if we'd really qualify. WE DID. Unfortunately after applying and getting approved I found out we'd only be able to get a prebuilt house or a house in a subdivision because the RLP didn't cover construction loans. Ugh. Figures.
We started shopping for a mobile home since that was pretty much the only way we'd be able to get a home built on our property. We decided on a Palm Harbor as we'd looked at them before and we liked their construction, their aesthetics and their size. We decided on The Gotham, a 3k sq foot monster with two living areas and 4 bedrooms. Our oldest would have his own bathroom and bedroom, the next oldest would have her own bedroom and the two smallest would have their own bed.
We're a little worried about the luxuries once we move.. we won't have city sewer, we won't have high speed internet, but we will have plenty of room for the kids to play, plenty of room for some farm animals. Good schools and a real old time Main Street. We'll be 15 miles away from a Walmart and other big chain stores and restaurants, but there is a local grocery store and a few fast food restaurants so we'll be able to get our greasy food fix occasionally without having to go too far.
Saturday, March 24, 2012
Every Dog Should Have a Few Fleas
There's already a blog with this name. Guess I'm not as clever as I thought I was. Won't be the first time, won't be the last.. I'm already living up to the blog's name and it's only been a few minutes.Every dog should have a few fleas is an old southern saying meaning no one is perfect. :)
We're a family of six, living in a small just under 2000 square foot house in the middle of a bedroom community in North Texas and we are preparing to buy our first home and move to a small two traffic light town (and both the lights blink).
We close on the house next week and after that we have a little over 2 months to get packed and moved. Life as we know it is going to move pretty fast the next year or so, this blog is going to help me stop and take a look at it and remember. :)
We're a family of six, living in a small just under 2000 square foot house in the middle of a bedroom community in North Texas and we are preparing to buy our first home and move to a small two traffic light town (and both the lights blink).
We close on the house next week and after that we have a little over 2 months to get packed and moved. Life as we know it is going to move pretty fast the next year or so, this blog is going to help me stop and take a look at it and remember. :)
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