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)
Wednesday, January 30, 2013
Sunday, January 20, 2013
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
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
Wednesday, January 16, 2013
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
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
Saturday, July 7, 2012
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
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
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
Wednesday, April 11, 2012
What K got in his basket
Since I like to see what others got in their baskets I thought I would share what my son got in his basket.
a new game for the xbox
a golden eggs with a new cars 2 car (Thank you Target for the .99 single cars this Easter)
a lush fizzy castle bath bomb
a small stuffed bunny
a solid chocolate bunny
a bag of mixed chocolates (we only do chocolate for the most part because chocolate is better on the teeth)
an egg with Easter cars stickers
and a race car set (also on sale thanks to Target for 9.98)
I don't like to put too much candy in the Easter basket as we have filled eggs and well he gets most of his candy from them. This year I put out 65 eggs and only 25 of them had a little candy and 5 had money all the others were empty.
Tuesday, January 10, 2012
My workout shoes..Nike+
Theses are the best. I am hooked with being able to listen to music or even a good book while I walk or jog.
The new year or not I am hooked with at least getting 30min's or me time and my shoes. Yes I love my shoes and all that they can do. Now don't get me wrong they don't exercise for me or making me go faster but they are AWESOME.
So I have Nike+ shoes so they have a little chip in the sole of my shoe that talks to my Ipod. There is an small adapter that I forgot in the photo that you have to use so that the chip can talk to the Ipod. With this chip it can tell me how fast I'm going by my paces and my miles. Yes tells you if you only go 200ft. Or you can use the basic and count your steps. I've been using the Ipod for nearly 3 years now and the chip-set and these shoes for just over a year. Yes I know these shoes are not beat up for being over a year old, but a lot of crud made it that working out was hard for a few months. Glad to be back to pounding the pavement.
Let me show you the shoe
You need to get Nike + shoes for the chip-set to really work. I hear there is something you can put on your shoe strings. My OCD wouldn't let that happen but if it doesn't matter to you might be a cheaper option for you. My shoes were about $100
This is the small chip and it's in the sole. You wont feel it at all
Thursday, January 5, 2012
Cream Puffs made with love!!!!!
Last night I was craving something sweet but no one wanted to run to Publix. So what did the hubs and Kayden do made me some cream puffs. They were good. Simple and fast to make.
Oh update on the allergies I am 100% better today. Now if we can just turn up the heat here in Florida where we have been getting some freezing weather all week.
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