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Bought a House!Bought a House!
UniqueMystique said: "Excellent!!!!"
spectrachic311 said: "Oh, that's AWESOME!! I can't wait til we buy ours. We're going to buy in April-May (we just still haven't found THE HOUSE yet, that's all) and I cannot wait. Isn't it a great feeling?
Hopefully the financing will work out ok. We got preapproved for a very conservative amount, but we could easily go higher if we want to. It's all a matter of how big you want your mortgage payment to be each month and how long of a term you're willing to go with. We're TRYING to do it really safely and put 20% down and only have a 15 year term, but we'll see.
So have you started all the redecorating and stuff?? That's always the coolest part. Are you going to have a garden? I'm so jealous!! I wish I had a house now. ;)"
spectrachic311 said: "Oh, Kat, I'm so sorry! I would be so mad if the bank screwed up like that. We're going through a mortgage service...it's like a bank that only does mortgages, so they are able to do a lot with financing. We're doing 20% down (hubby is anal about not wanting to get PMI and wanting to pay the house off right away), but the bankers did offer us a couple of different plans. I'm sure you'll get something figured out."
GreenEyes said: "Congrats! Much better making monthly payments towards owning a house rather than paying someone rent. We will be closing on a house later this month too. It's such a great feeling. Keep us posted on how things are going."
GreenEyes said: "That's a very nice house! Congrats:th_dblthumb2:"
DBrew said: "That is great news. Kat. This is a great time to buy because interest rates are almost historically low. Good luck to you!"
DBrew said: "Kat that house is SO CUTE! I am jealous you have a fireplace! I love old fashioned kitchens like that and your house has alot of brick! It is fabulous! Best wishes!"
DBrew said: "Kat, there is probably something better in store in the future for you. I feel like if things are meant to be, then they will happen. It must not be in your cards yet. Maybe you will get a better deal somewhere else. Going through a place like Spectra is doing is a good idea. You will probably be given alot more options there. I am sorry. You must be so disappointied. Hang in there-you have time and you WILL get a house!"
Kat_the_Amazon said: "My fiance and i bought a house! Well, it's not ours for sure yet.. but we are keeping our fingers crossed! It's more than what he was approved for, but what he was approved for was not even close to the max. amount. If he doesn't get approved, then we'll throw my income in.
It's 2008 sf (we are paying around $60/sf), red brick, has a backyard (yay!), near the college, so it's more of college neighborhood. It has 2 bedrooms plus 2 other rooms (office and den). It has a great room with an awesome fireplace. The appliances are about 100 years old, but they work (we'll slowly be replacing them-starting with the dishwasher). We'll have to update the full bathroom, but it's easy stuff. It's gas powered. It has everything that we were looking for and for a great price! I'm so excited!
It also turned out that some friends of ours know the owner's son. The guy is from Taiwan and the father bought the house for his kids here on a student visa. Now he's trying to sell the house for a selling price because he wants it off his hands (he's never been to the US).
I'm so excited! There should be no reason why our contract should fall through, so by the end of the month we should be house owners! No more renting apartments! Woot!!"
Kat_the_Amazon said: "Thanks everyone! The house isn't technically ours yet.. but it will be. We've started the closing stuff today :)
I can't WAIT to move in and start doing house stuff. We are going to paint because the master bedroom is sea-foam green! The house is pretty much good as it is, but there will be some stuff that we want to do to personalize it!
And yeah, i'm so going to have a garden!!
*does happy dance*
We are also going to be able to have pets! We are going to get a bengal cat first then an australian shepard. Woot!
I attached some pictures!"
Kat_the_Amazon said: "Yeah... so now we are probably not going to get the house.. or any house..
The bank lied to us. They lost ALL of our paperwork. Long story very short- we are work very hard to try to keep the house under contract. No more 100% financing (fiancee is self-employed.. no one bothered to tell us this would be a problem and the bank never listened when he told them that).. so trying to be able to put 5%, although not sure if we can get the money.
Basically everything is going to hell in a handbasket.
Which is what i get for freakin' being excited about something."
klynnfosh said: "That's such exciting news for you! I can remember the first night we spent in our new house and waking up and thinking I can't believe it's ours! It is something to be proud of and a real milestone along lifes pathway! Enjoy it, and you will find yourself always wanting to do this or that and it will become a sense of real pride you take in your own home."
angel_rising said: "*Hugz* That totally stinks. I hope in the end it will all work out. I will keep my fingers crossed for you.
Angel"
Diamond said: "Congratulations to you!
Buying a house is exciting and it sounds like you just have to close the deal just in time for spring. :th_dblthumb2:"
Diamond said: "It looks like a great cozy place to call home!
Congrats. :th_dblthumb2:
I like the den, it looks nice and bright."
Valalor said: "congrats.. thats sooo cool. i want to buy a house, but not till get my financial stuff to a 0 and get my credit back up.. really meesed it up when i was in the military. stuip credit cards :( i hate money"
help6363 said: "Hey! Excellent news, I am so happy for you! :th_dblthumb2:"
lakelady said: "YAY, (I'm doing the 'happy dance' for you) There's NOTHING quite as exciting as your first house! Makes you feel like a grownup."
lakelady said: "What a GREAT first home! The interior is VERY nice (especially like the kitchen) and outside brick is so easy care, It looks as though you have a lot of mature trees in your backyard to enjoy as well. I just know you'll be very happy there! [COLOR="Lime"][I][FONT="Comic Sans MS"][B][SIZE="4"]Congratulations![/SIZE][/B][/FONT][/I][/COLOR]"
lakelady said: "RATS! don't give up, talk to your realtor. Thay can help, it's a REAL buyers market out there and banks aren't the only way to get financing!!!
p.s HEY! it's tax refund time! What're we talkin for 5%? around five? Yours and his combined should take care of that EASY! Don't give up yet!"
DrCOOL959 said: "Congrats! Buying a house is a very wise decision!"