I think I found my new home! - Page 18

frau kaleun · 04-24-13, 10:10 PM

Whew. That was an ordeal. But guess what I have?

My agent ended up calling the title agency because she couldn't get anyone at the bank to answer her calls. They said just to get a check for the amount on what they sent her, since if there was any discrepancy after the bank reviewed things it would be a very small amount and whoever was coming up short because of it would just have to write a personal check to make up the difference.

So at 4 PM I was finally able to go to the bank and get the check. Then I went to the condo to meet my agent for the final walkthrough, and guess what? WE CAN'T GET IN because the key is not in the other agent's lockbox or whatever. My agent calls the other agent who says the key should be there, but then remembers that the seller was stopping there one last time to check on things and probably took the key to give to me at the closing. So we can't do the walkthrough. However the only real concern is the dishwasher, which was repaired and has been run every few days since then without a problem plus they have a receipt for the repair. So fine, whatever, we skip the walkthrough.

Finally get to the title office about 15 minutes late by which time the seller has signed all of her stuff. So I start signing my first round of stuff which the dude from the title company has to fax over to the bank because they have to have it on file and confirm and approve everything - again - before he can collect and disburse any funds. So he goes to fax stuff and then I sign a bunch more stuff and about half an hour later he has to go call the bank to verify they got the fax and we're good to continue, because surprise! Nobody there has responded to the fax.

Anyway that gets taken care of and the rest goes fine and so now I own a condo. The upside:

1) IT'S OVER.

2) My monthly payments, including homeowner's insurance and taxes, are $20 less than what I pay in rent, which didn't include what I was paying on the side for renter's insurance, so YAY.

3) I'm still unclear on how this happened but what I had to pay them today was over $300 LESS than what my downpayment should have been, not to mention what I thought I would be paying in settlement charges. Okay I know I paid $300 in earnest money at the start which got deducted from what I had to pay today, but after they figured up everything that had to be paid from the seller's side, plus what I'd already paid for the appraisal and credit check and other small items, I ended up paying no closing costs today at all and actually got a few dollars of what I'd paid back somehow. But all the math on the settlement papers added up correctly so... and there was prorating done on the money that had to be paid into escrow for property taxes... but when I looked at the closing costs on the estimate and did the math based on what I knew the seller was going to pay, it still looked like I'd be paying something towards closing costs myself. However far be it from me to question why I now have a couple thousand more dollars left over in ready cash than I originally expected.

Anyway I went to my sister's after and had some dinner after she got home and picked up their carpet cleaner while I was there. Already been back to the condo and dropped that off and made sure all the keys worked in the right doors and the garage door works. I'm taking a vacation day tomorrow so I plan to go and give the carpets a once over, maybe take my stereo and CDs over there and set it up so I can at least have the radio and music to listen to when I'm in there working on stuff. And whatever other stuff I can think to take over there to get started on cleaning and whatnot. Probably as much as I can fit in the car, lol.

Already called the electric company from my sister's and got the service switched into my name so there will be no disconnection tomorrow, which was when the seller had told them to cancel the service in her name. Should be able to set up the online account and paperless billing for that tomorrow. And I can write my last rent check for the apartment and send that and my one month's notice as well. Oh and my first mortgage payment isn't due until 6/1 so I won't even be paying on both places for May, lol.

Sailor Steve · 04-24-13, 10:12 PM

WOOHOO!!!

Congratulations! We'll be expecting to see regular updates with pictures showing moving-in-and-setting-up stuff!

Quote:

However far be it from me to question why I now have a couple thousand more dollars left over in ready cash than I originally expected.

Time to go shopping again!

[edit] We'll be expecting those updates after you recover from the tension, after you recover from the adrenaline rush and following depression, after you recover from partying, and after you recover from recovering.

Herr-Berbunch · 04-25-13, 02:19 AM

Congratulations on owning your own home. You had us all worried for a while.

Now get on to the nearest animal shelter and get a dozen cats delivered, treat yourself.

kranz · 04-25-13, 05:12 AM

I feel invited for the housewarming

Mork_417 · 04-25-13, 05:15 AM

Yes, Congratulations!!!

Herr-Berbunch · 04-25-13, 05:18 AM

Quote:

Originally Posted by frau kaleun

Whew. That was an ordeal. But guess what I have?

Only 3½ fingers by the looks of it.

frau kaleun · 04-25-13, 06:14 AM

Thanks guys!

I turned off my alarm last night before bed but I woke up at 6:30 anyway, dang it. But I have a lot to do so I guess that's okay.

Quote:

Originally Posted by The Enigma

Frau buying a house....

...in Skyrim! But it was so much easier there. I mean look - do YOU see any bankers in that picture? Well - DO YOU?

No. No you do not. Advantage: Skyrim.

Quote:

Originally Posted by Sailor Steve

Congratulations! We'll be expecting to see regular updates with pictures showing moving-in-and-setting-up stuff!

I still haven't broken the news to my sister that the formal dining room will not be a formal dining room. What I think I really want to do somewhere down the road is buy a nice, used & reconditioned upright piano - we have several good dealers nearby - and make it into a music room. I had lessons when I was younger but haven't had any real access to a keyboard in over 20 years. I might have to take some lessons again to get my facility back with playing, but we'll see. I never thought I would miss it but over the past few years I've realized that I do.

But that's a future project, first I've got so many other things that MUST be done.

Quote:

go shopping again!

I know! If I have time today I'm gonna go look at a couple desks again. I even have a piece of cardboard cut out to match the size of my monitor so I can make up my mind on the one I think I want. If that won't work for a computer there's another one at IKEA that I saw online yesterday so I might go with that. Of course with the extra money I didn't think I was gonna have, I can not worry about the price so much.

Quote:

Originally Posted by Herr-Berbunch

Only 3½ fingers by the looks of it.

Onkel Neal · 04-25-13, 07:37 AM

Yay! So glad to hear you leveled up. It's a lot more fun cleaning and working on your own place.

Someone should nominate this for Thread of the Year.

Wolferz · 04-25-13, 09:05 AM

Phew! I think most of your cheering section here feels nearly the same level of relief that you do, Frau Kaleun.

Three cheers for Frau Kaleun...

Hip Hip Hooray

Hip Hip Hooray

Hip Hip Hooray

Jimbuna · 04-25-13, 09:09 AM

Quote:

Originally Posted by Neal Stevens

Someone should nominate this for Thread of the Year.

Sorted

And congratulations once again young lady

The Enigma · 04-25-13, 01:49 PM

Quote:

Originally Posted by frau kaleun

...in Skyrim! But it was so much easier there. I mean look - do YOU see any bankers in that picture? Well - DO YOU?

No. No you do not. Advantage: Skyrim.

First of all:
Congratulations Frau!!

It was a bumpy ride, but you finally succeeded.

And about that image.
I DO see bankers. They are all inside the dragon.
It's Ok though, your mind was occupied. With what, I don't know.

AVGWarhawk · 04-25-13, 02:45 PM

Congratulations!

It is a long pain in the butt road in getting the deal done but once your in it becomes a distant memory. Enjoy your new home.

vienna · 04-25-13, 05:19 PM

Congratulations on the closing, Frau. I hope you have many, many happy days and time in your new abode. Just one little bit of advice, if you haven't already heard it or know of it: It is always a bit of a wise move to change all the existing locks on your new home before moving in; you never know who might have copies of the key(s) other than the former owner. It generally is not a problem, but past experiences of others has proven otherwise. In fact, my first ex was somewhat unnerved when she came home to her new place, after our divorce, and found the former tenant's son sitting in her living room. I had to do one of those super-rush, kick-out-the-bounder type scenes and replace the locks. I also wound up having to stake out her place for a few nights in case the fool came back again. Just a bit of advice to the wise...

<O>

u crank · 04-25-13, 05:43 PM

Congrats on your new home Frau.

When's the first SubSim BBQ?

Wolferz · 04-25-13, 05:52 PM

Change the frequency on the garage door opener too.

04-25-13, 02:19 AM	#258
Herr-Berbunch Kaiser Bill's batman Join Date: May 2010 Location: AN72 Posts: 13,203 Downloads: 76 Uploads: 0	Congratulations on owning your own home. You had us all worried for a while. Now get on to the nearest animal shelter and get a dozen cats delivered, treat yourself. __________________

04-25-13, 05:15 AM	#260
Mork_417 Lieutenant Commander Join Date: Nov 2002 Location: DB-15 Posts: 851 Downloads: 263 Uploads: 0	Yes, Congratulations!!! __________________ Heading to AM49.(U-553)

04-25-13, 07:37 AM	#263
Onkel Neal Born to Run Silent Join Date: Jan 1997 Location: Cougar Trap, Texas Posts: 21,385 Downloads: 541 Uploads: 224	Yay! So glad to hear you leveled up. It's a lot more fun cleaning and working on your own place. Someone should nominate this for Thread of the Year. __________________ SUBSIM - 26 Years on the Web

04-25-13, 09:05 AM	#264
Wolferz Navy Seal Join Date: May 2007 Location: On a mighty quest for the Stick of Truth Posts: 5,963 Downloads: 52 Uploads: 0	Phew! I think most of your cheering section here feels nearly the same level of relief that you do, Frau Kaleun. Three cheers for Frau Kaleun... Hip Hip Hooray Hip Hip Hooray Hip Hip Hooray __________________ Tomorrow never comes

04-25-13, 05:19 PM	#268
vienna Navy Seal Join Date: Jun 2005 Location: Anywhere but the here & now... Posts: 7,720 Downloads: 85 Uploads: 0	Congratulations on the closing, Frau. I hope you have many, many happy days and time in your new abode. Just one little bit of advice, if you haven't already heard it or know of it: It is always a bit of a wise move to change all the existing locks on your new home before moving in; you never know who might have copies of the key(s) other than the former owner. It generally is not a problem, but past experiences of others has proven otherwise. In fact, my first ex was somewhat unnerved when she came home to her new place, after our divorce, and found the former tenant's son sitting in her living room. I had to do one of those super-rush, kick-out-the-bounder type scenes and replace the locks. I also wound up having to stake out her place for a few nights in case the fool came back again. Just a bit of advice to the wise... <O> __________________ __________________________________________________ __

04-24-13, 10:10 PM	#256
frau kaleun Rear Admiral Join Date: Nov 2009 Location: Skyri--oh who are we kidding, I'm probably at Lowe's. Again. Posts: 12,706 Downloads: 168 Uploads: 0	Whew. That was an ordeal. But guess what I have? My agent ended up calling the title agency because she couldn't get anyone at the bank to answer her calls. They said just to get a check for the amount on what they sent her, since if there was any discrepancy after the bank reviewed things it would be a very small amount and whoever was coming up short because of it would just have to write a personal check to make up the difference. So at 4 PM I was finally able to go to the bank and get the check. Then I went to the condo to meet my agent for the final walkthrough, and guess what? WE CAN'T GET IN because the key is not in the other agent's lockbox or whatever. My agent calls the other agent who says the key should be there, but then remembers that the seller was stopping there one last time to check on things and probably took the key to give to me at the closing. So we can't do the walkthrough. However the only real concern is the dishwasher, which was repaired and has been run every few days since then without a problem plus they have a receipt for the repair. So fine, whatever, we skip the walkthrough. Finally get to the title office about 15 minutes late by which time the seller has signed all of her stuff. So I start signing my first round of stuff which the dude from the title company has to fax over to the bank because they have to have it on file and confirm and approve everything - again - before he can collect and disburse any funds. So he goes to fax stuff and then I sign a bunch more stuff and about half an hour later he has to go call the bank to verify they got the fax and we're good to continue, because surprise! Nobody there has responded to the fax. Anyway that gets taken care of and the rest goes fine and so now I own a condo. The upside: 1) IT'S OVER. 2) My monthly payments, including homeowner's insurance and taxes, are $20 less than what I pay in rent, which didn't include what I was paying on the side for renter's insurance, so YAY. 3) I'm still unclear on how this happened but what I had to pay them today was over $300 LESS than what my downpayment should have been, not to mention what I thought I would be paying in settlement charges. Okay I know I paid $300 in earnest money at the start which got deducted from what I had to pay today, but after they figured up everything that had to be paid from the seller's side, plus what I'd already paid for the appraisal and credit check and other small items, I ended up paying no closing costs today at all and actually got a few dollars of what I'd paid back somehow. But all the math on the settlement papers added up correctly so... and there was prorating done on the money that had to be paid into escrow for property taxes... but when I looked at the closing costs on the estimate and did the math based on what I knew the seller was going to pay, it still looked like I'd be paying something towards closing costs myself. However far be it from me to question why I now have a couple thousand more dollars left over in ready cash than I originally expected. Anyway I went to my sister's after and had some dinner after she got home and picked up their carpet cleaner while I was there. Already been back to the condo and dropped that off and made sure all the keys worked in the right doors and the garage door works. I'm taking a vacation day tomorrow so I plan to go and give the carpets a once over, maybe take my stereo and CDs over there and set it up so I can at least have the radio and music to listen to when I'm in there working on stuff. And whatever other stuff I can think to take over there to get started on cleaning and whatnot. Probably as much as I can fit in the car, lol. Already called the electric company from my sister's and got the service switched into my name so there will be no disconnection tomorrow, which was when the seller had told them to cancel the service in her name. Should be able to set up the online account and paperless billing for that tomorrow. And I can write my last rent check for the apartment and send that and my one month's notice as well. Oh and my first mortgage payment isn't due until 6/1 so I won't even be paying on both places for May, lol.

04-25-13, 05:12 AM	#259
kranz The Old Man Join Date: Aug 2007 Location: Poland Posts: 1,430 Downloads: 5 Uploads: 0	I feel invited for the housewarming

04-25-13, 02:45 PM	#267
AVGWarhawk Lucky Jack Join Date: Jun 2005 Location: In a 1954 Buick. Posts: 28,286 Downloads: 90 Uploads: 0	Congratulations! It is a long pain in the butt road in getting the deal done but once your in it becomes a distant memory. Enjoy your new home.

04-25-13, 05:43 PM	#269
u crank Old enough to know better Join Date: Dec 2011 Location: Prince Edward Island Posts: 11,747 Downloads: 136 Uploads: 0	Congrats on your new home Frau. When's the first SubSim BBQ? __________________ “Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.” ― Arthur C. Clarke

04-25-13, 05:52 PM	#270
Wolferz Navy Seal Join Date: May 2007 Location: On a mighty quest for the Stick of Truth Posts: 5,963 Downloads: 52 Uploads: 0	Change the frequency on the garage door opener too. __________________ Tomorrow never comes