We've Moved

 

Wow!  It has happened we've finally moved into our new house.  Isaac and I have worked so hard to make the dream of being home owners a reality.  Closing was amazing.  It was quick and so amazing.  The nerves didn't hit until I was about to step into the escrow office to sign papers. 

 

Our awesome Realtor was there to hold our hands..Ha!  No we just all joked around for the most part.  As I stated before closing went fast and guess who forgot to take a picture of the signing paper work.  Yeah, that's right I did. Oops but we rushed to the CB house to grab our dogs and head to the new house for the night.

 

Oh yes we did.  We had KFC for dinner on the floor of our new living room watching wreck it Ralph.  Come bedtime we all crashed on the floor in the master bedroom.  We all had such a rush all day that we were out by 10.

 

 

Kayden's first time riding in a big truck and 1st move that he remembers.

 

Stay tuned for more house updates

The Best email ever

"I wanted to let you know we received loan approval from the lender late Friday! Your loan is approved with the lender, which is great news! And Even better, they are not asking for any additional information from you! " Sent to us from our broker

I read this first thing this morning, and the first thing I did was text hubs to call me.  K happened to walk to into the room and he said "WHAT"  I guess he knew something was up.  I told him and he got the biggest smile ever and gave me the biggest HUG ever.  He's excited to get a bigger house that we can start our adoption journey in.  He than went running around the house laughing.  Hubs called and I got to share the news with him.  I could hear his huge smile over the phone.

The family is excited and now we are just waiting to schedule our closing date.  Sooner than later at this point.  Can't wait to move in and start the journey of making our new house our home :o)


All the glory to GOD

SQUEAL  SQUEAL SQUEAL

Boxes Boxes and more Boxes

The Packing has started as we have FOUND a house. 

 

 I will show the house once we have the keys in hand.  After losing a house due to Seller backing out, Losing to a cash offer, to a bad realtor practice (not ours) and another seller who just really didn't know what she wanted (house on the market 500 plus days)  Yikes and I thought our job of finding a house was hard.  We are just keeping it under wraps for a little while.

 

Kayden has been to the house and he approves!  He's one excited kiddo as we get ready to leave the only house he remembers (12M-8yr)

 

Kaydens room is one of our staging areas for boxes as his room will be the last to be painted back to dreadful basic white. The green things on the walls are labels.  I know!  Who does that?  Yes we can say a little OCD here.  Ha, it keeps me sane to have order esp in this major stressful event.

 

 

 The master is coming apart.  I mean literally.  Look under that window shaker A/C unit.  This house has so much settling happening and when the A/C broke 2 summers ago it all got wet.  Well, the plaster is OLD and was wet so it's just crumbling.  EWWWW!  Yes I painted around the area that needed fixed with plans to paint when it was done.  Looks like that is NOT happening now.

 Our love seat is covered in framed photo's, which all need to be wrapped and packed up.  For now this works as they will be some of the last things in the moving truck so they will be the first things out of the truck.

 Kaydens count down for the move.  Can you see that we had to extend the dates from the 1st house to the house that we picked.

 

Yes this house was the 5th house but it's by far our favorite of the 5 we thought we loved.  This house is move in ready.  Not saying we aren't going to do anything but not right away as we want to settle a little and feel the flow pattern before we do much.  There is only 1 thing that will happen right away but again will share that juicy details later once we have the keys in hand

 

Update of the house hunt

It sucks.  I think everyone is in the same budget as us and looking for the same house as us.  I'm normally really positive but I think the house hunt is bring out the worst for me. 

Seems that every place we want someone else wants more.  We have now gone three offers.

 number 1 was accepted to the seller backing out

number 2 bidding war that ended with the estate taking a cash offer

number 3 stupid sellers Realtor had two offers on the table and told our Realtor that the seller wanted more.  They called the other people and they had the chance to accept without giving us the same chance to make a higher offer.   GRRRRRR

So we are still out there looking.  Don't want to pick something just because we want to stop paying $1,000 a month in rent for a house we out grew when son wasn't a baby anymore.


House I know your out there, please find us I'm tired of looking for you ;o)

The ranges of homes

Short sales, bank owned and standard.  Do I really need to say more?

Ok so On Friday we met with our realator and headed to the burbs to search for a new house.  We have been out searching already so this process should be easy.  Besides for this time we got to go into some of our top choices.

Started with a bank owned with an amazing pool.  The rooms were bigger than we thought by peeking in the windows.  But I asked if someone died in the home.  Just gave me this feeling like someone was there that I couldn't see.  Was a little weird but the home just wasn't what we we're looking for so we left.  Now if we could just pick up the pool and move it we would it was just stunning.  But to be honest that was the selling point of the house.  Since this was a bank owned home the process would be LONG.  Talking to lenders (in banks, that we're honest) told us to count on at least 4 months until we heard a yes or no on any offers.  Not something we're happy about but will do it for the perfect house.



The Next house was a standard listing and prefect until the realator told us that there we're renters there until JULY.  Ok so they paid us rent we threw that rent into our rent and our rent money (less than our rent) went into paying mortage.  Umm not so bad so we looked and the house was perfect until the hubs started looking up and noticed some water marks near the A/C ok considation but as he looked more into it the water marks flowed so he went outside and they (2realtors and hubs) looked and there was some bad sagging in the area so hubs looked more at the roof and saw some other areas.  The roof would need to be redone.  Ok not scary if the owner was willing to go down in price so we could go down in price some for the repairs or have it done.  Yeah, i guess last offer she got she declined the same thing.  The loan we are getting dosen't alone for things such as that unless it's in the loan for correction.  So walking away from that one.  Seller dosn't have to sell so she isn't in a hurry to sell.

Short sales just made me SAD.  I met pets of these families and I saw their stuff and my heart just hurt knowing they HAVE to sell or they risk losing so much.  Glad that they are doing what they can to try to save what they can.  But the dreaded short sale is owner accepts but than the bank has to accept as well.

So to sum it up
short sales equals owner approval, bank approval before you can even have a completed accepted offer that you can move on.

Bank owned equals slow bankers to accept or pass on your offer and they almost never want to help in anyway (repairs or any closing cost)

Standard listing equals the easiest method so if you find a listing that fits your needs it's not going to be there long.  There are few of these types of homes on the market but they seem to be the best cared for homes.

Next post will come later this week with updates of our house finding journey

We are PRE-APPROVED

                Let the journey start.  Yesterday we met with the lender and did paperwork for getting things on the road for a bigger house.


                 The Journey of Yesterday started with us gathering everything Monday evening.  Being the organized person I am I highlighted dates and put all papers in order and pinned them together.  I almost ran to the store to get a file box just for this process.  Yes, I am getting one this Saturday.  Any how after we got the papers together we just chilled out as a family watching TV.  Tuesday morning it all started to hit me of this HUGE life event about to hit.  I have Anxiety so I just kept myself busy until it was time to get ready to head out.

Long story short Isaac and I met at the lenders office as he came straight from work.  There was nerves but as we walked in the door we were kindly greeted and sat in the conference room.  Jeff Came in with our file and the work started.  We talked numbers and asked lots of questions.  My main question for me was about if there was any penalties for prepayment.  Like everything we do we plan to pay the house off ASAP.  We have been renting for 7.5 years at $1,000 a month and we've never missed a payment.  Our goal is to keep our same motto as before and that's bills first play later.  Mind you that doesn't mean we pay everything we have just means that we pay our bills first and what is left can be used for the fun things in life.  The hubs and I walked out of the meeting happy with a sigh of relief when he told us that we are ready to go and can start looking at houses.

Sorry no photo of us at the lenders office but I will post pictures of the house hunt; which starts FRIDAY

 We are first time home buyers as we just cleared up all the past medical bills we feel God placed us right were we're suppose to be with these low interest rates.  The Timing just couldn't be better really.  We fully believe this is Gods doing.  He's had his hands all over us from moving to FL 8 yrs ago, To giving hubs a job the next day after arriving down here.  Giving us strength to get through the tough first year of having little to nothing.  Finding a house that would sustain us until the day we move into our own place.  We give all GLORY TO GOD AS HE HAS PROVIDED through all of our trials and triumphs.



Will post Friday or Saturday with house hunting pictures

How I packed for our vacation and what i took

I always wondered how people pack for vacations and still looked cute without bring 50 bags.  Yes our trip was only for 3 days but still this is what I brought

 All the shoes I brought for each outfit and than my trainers as our resort had a nice workout room

 This is my outfit for the 4th of the July...Top and necklace from Loft.  I also wore pearl earrings.  This outfit was worn with my flats

 This outfit was my relaxing causal look.  Michael Kors white shorts, basic black shirts paired with my Banana republic scarf.  And I had my pearl earrings in once again.  I work the black flips with this outfit

 This was my birthday outfit.  Black top with flare arms and some comfy jean shorts to dress the top down just a little.  Gold necklace from the Loft.  I word my rose gold flips with this outfit and gold stud earrings.

 This I wore after the pool to go pick up dinner with the family and  to watch fireworks from our balcony on the 5th.  Sweater just to cover my arms in the evening

This is my swim suit and cover up...This is from the loft and the suit I have no clue anymore its a couple seasons old now.  Time to get something new

I left everything on the hangers and packed them up in my suit case so when we got to the hotel I just took them out and hung them up.  Took me about 2 Min's to unpack and when it was time to go home it was in my laundry pile and ready to go in the laundry bag for the ride home.  And my outfits where all put together so getting ready ever day was cut in half so more time to enjoy everything that goes along with vacation