Haven't been posting anything much lately but doesn't really matter since my contributions are generally pretty lackluster anyway. But I figure that this is as good a time as any to start a new thread.
These past three weeks have been exhausting as we made the decision to try to become first time home buyers! It started about three weeks ago... to see what we could get approved for ( although we did this about a year ago with disappointing results). But we stayed vigilant and finally decided this year to try again. Well this time we were armed with more knowledge and we subsequently shopped several lenders and loan programs in able to get the best interest rate. We're also declaring more income now, have much higher credit scores, and are looking at more affordable homes. Well much to our shock... we were approved! Now came the painstaking process of slowly and methodically highlighting our favorites and crossing others off the list.
Then we found what we thought might be the one... located in a beautiful area surrounded by tall gorgeous pines. We put in our offer and only a few days later our offer was accepted. Keep in mind that this is an EXTREME sellers market. Homes ( in our price range) are listed one day and pending the next. So we knew that our diligence was necessary in order to even have a chance to make an offer on one that we genuinely liked. After the initial walk-thru however, we began having reservations due to some major repairs that were going to need to be done. By the time that our inspector gave us the report, we were convinced that we'd have to pull our offer... which we did.
But not to be discouraged, we forged ahead and continued fine tuning our search. That led us up to last week when we went ahead and put in an offer on a home that not only ticked all of our boxes, but then some! This was more anxiety induced as just one day prior to an open house, we finally hammed out our negotiations with the seller. At around 4pm Friday of last week, we heard back from our agent that our final offer had been accepted! My wife and I are feeling very good about this one... the sellers disclosure, the age of the home, recent repairs and upgrades, the amenities, the neighborhood, etc, etc.
So as much as this all is quite a lengthy read, I assure you that I'm leaving out a great deal of details lol. Anyway. Next week is going to be quite pivotal and potentially exciting. We will be meeting with our agent, our lender, our insurance agent, and our inspector in order to hopefully finalize our intentions. Right now we are within a 7-day option period but come Friday of next week if all goes well, that option period will have passed and we will then be heading closer to closing.
I've never lived in a decent home my entire life and so that alone makes this a huge accomplishment. Hell... to have even come this far feels pretty damned good. I really can't remember the last time that I was this enthusiastic about something. We just love this one so much and it has so much that my wife and I have never had... a safe community, a well built home, an actual attached garage ( I call it the vehicle's bedroom but whatever), lovely landscaping, beautiful back yard with endless rock-crawling potential, indoor washer/ dryer, two full bathrooms are you kidding me???, etc, etc, etc. Fingers crossed right now for the insurance quote being affordable and the inspection coming back good or great. If it all falls through, we'll keep looking but I have to say that it's going to be a bit of a disappointment this time around given how fond we are of this home at this point.
Anyway... I just wanted to share and show y'all a few pics of the home that may soon be ours! RCC does after all bear some degree of responsibility in all of this since I believe that my growing RC collection ( brought on by the RCC community) has finally convinced my wife how much we truly need a bigger place! Thanks so much for reading and taking a look. Updates will follow.
These past three weeks have been exhausting as we made the decision to try to become first time home buyers! It started about three weeks ago... to see what we could get approved for ( although we did this about a year ago with disappointing results). But we stayed vigilant and finally decided this year to try again. Well this time we were armed with more knowledge and we subsequently shopped several lenders and loan programs in able to get the best interest rate. We're also declaring more income now, have much higher credit scores, and are looking at more affordable homes. Well much to our shock... we were approved! Now came the painstaking process of slowly and methodically highlighting our favorites and crossing others off the list.
Then we found what we thought might be the one... located in a beautiful area surrounded by tall gorgeous pines. We put in our offer and only a few days later our offer was accepted. Keep in mind that this is an EXTREME sellers market. Homes ( in our price range) are listed one day and pending the next. So we knew that our diligence was necessary in order to even have a chance to make an offer on one that we genuinely liked. After the initial walk-thru however, we began having reservations due to some major repairs that were going to need to be done. By the time that our inspector gave us the report, we were convinced that we'd have to pull our offer... which we did.
But not to be discouraged, we forged ahead and continued fine tuning our search. That led us up to last week when we went ahead and put in an offer on a home that not only ticked all of our boxes, but then some! This was more anxiety induced as just one day prior to an open house, we finally hammed out our negotiations with the seller. At around 4pm Friday of last week, we heard back from our agent that our final offer had been accepted! My wife and I are feeling very good about this one... the sellers disclosure, the age of the home, recent repairs and upgrades, the amenities, the neighborhood, etc, etc.
So as much as this all is quite a lengthy read, I assure you that I'm leaving out a great deal of details lol. Anyway. Next week is going to be quite pivotal and potentially exciting. We will be meeting with our agent, our lender, our insurance agent, and our inspector in order to hopefully finalize our intentions. Right now we are within a 7-day option period but come Friday of next week if all goes well, that option period will have passed and we will then be heading closer to closing.
I've never lived in a decent home my entire life and so that alone makes this a huge accomplishment. Hell... to have even come this far feels pretty damned good. I really can't remember the last time that I was this enthusiastic about something. We just love this one so much and it has so much that my wife and I have never had... a safe community, a well built home, an actual attached garage ( I call it the vehicle's bedroom but whatever), lovely landscaping, beautiful back yard with endless rock-crawling potential, indoor washer/ dryer, two full bathrooms are you kidding me???, etc, etc, etc. Fingers crossed right now for the insurance quote being affordable and the inspection coming back good or great. If it all falls through, we'll keep looking but I have to say that it's going to be a bit of a disappointment this time around given how fond we are of this home at this point.
Anyway... I just wanted to share and show y'all a few pics of the home that may soon be ours! RCC does after all bear some degree of responsibility in all of this since I believe that my growing RC collection ( brought on by the RCC community) has finally convinced my wife how much we truly need a bigger place! Thanks so much for reading and taking a look. Updates will follow.
