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Still dreaming about flooring. I'm sleepy today. Floored, if you will. - Portrait of a Young Man as The Artist — LiveJournal
Still dreaming about flooring. I'm sleepy today. Floored, if you will.
Dilapidated House
Dilapidated House

This whole house buying thing? Getting serious. We had three meetings with mortgage officers - two banks and one broker - and chose a very small, local bank. The closing fees were the best and the rate projections were better than any of the others. Also, he laughed when I asked him about some of the fees other banks were listing, saying they rolled all that into one fee because it makes more sense. Some of the fees he had no idea what they were. Padding, I suspect. Still. All three said we were a "slam dunk" or "golden" or "easy" because we're putting 20% down and not asking to buy Trump Plaza.... yet.

I will admit that I was glad to find both a better rate and better estimate on closing fees in one place as I was going to err for lower closing fee. See, I don't want to completely wipe out my various accounts in case of emergency. Yes, I realize that would be more costly over time as the, likely, higher interest rate would cost more. Still... must balance now and tomorrow, yo.

Tonight begins the great adventure. Three "pre-qualified" letters in hand, we start viewing the 15 or so houses we have on our list currently. The one still sitting is in foreclosure and the bank seems to be acting like a child, rejecting offers on the low end of their requested price range. If you want a higher price, don't ask for a lower price, especially when buyers have all the power. I am hoping to have narrowed the choices by Sunday as many are vanishing under our toes; we want to decide to pursue the foreclosure sooner rather than later. Houses new to the market are literally sold in days so we missed a number of them because we were getting our monies in order.

Silly us, trying to align ducks.

TGIMFF, yo. Let's get this party started.

Current Mood: sleepy sleepy

10 comments or Leave a comment
nidea From: nidea Date: August 7th, 2009 01:59 pm (UTC) (Link)
1. I love the picture
2. We have cork floors if you want to see them in rooms rather than the showroom
3. house hunting = so exciting!
abmann From: abmann Date: August 7th, 2009 02:03 pm (UTC) (Link)
1. Thanks. I took that one in 2006.
2. Yeah, I've seen cork flooring and it seems awesome! Do you seal it anyway? I'd worry that kitty claws would gouge it.
3. Yes! I could do without the house dreaming though!
nidea From: nidea Date: August 7th, 2009 02:24 pm (UTC) (Link)
2. It comes pre-sealed. Cat seems to have scratched it a bit when she runs around (not very noticeable), plus there's a weird little place behind a door that is oddly scratched. Might be due to cat? That's the only place that bothers me.
abmann From: abmann Date: August 7th, 2009 02:49 pm (UTC) (Link)
Maybe the door is sagging a little?

Some of the houses we're viewing have areas we want to put in hard wood. Maybe cork is a pretty, cheaper option. Ohh. Or bamboo. INDECISION!
arynthefox From: arynthefox Date: August 7th, 2009 04:10 pm (UTC) (Link)
I like the shapes of the house and the trees framing it. Cool shot.

TGIMFF lol brilliant
abmann From: abmann Date: August 7th, 2009 04:32 pm (UTC) (Link)
Yeah, it's one of my favorite photos. I made Fox's mom a print with really nice framing and matting that mirrors the roof eave coloring. It looks quite good. :)
From: ex_hellocth126 Date: August 7th, 2009 04:44 pm (UTC) (Link)
It makes me happy to hear that houses are still selling like hotcakes!
abmann From: abmann Date: August 7th, 2009 04:50 pm (UTC) (Link)
Complete with fresh maple syrup. That the seller pays for. And a free bathroom.
slashpyro From: slashpyro Date: August 8th, 2009 12:23 am (UTC) (Link)
I wish someone would buy my house.
grimreaperess From: grimreaperess Date: August 8th, 2009 02:22 am (UTC) (Link)
Best of luck! It was a nightmare buying our unit, but it's very different here. It didn't matter in the end, we love this place so much.
10 comments or Leave a comment