Wednesday, July 4, 2012

On Buying a Home {Part 2}

After everything fell through with the old home, we felt defeated but KNEW we had to buy a home and we had to find one fast. Our lease was up on our house in less than 2 months and we didn't want to sign another year lease. We grew out of that home very quickly. Our realtor was amazing. She is a long-time family friend who has been like a 2nd mom to me. She knew exactly what we were looking for and where to find it. It was just a matter of finding something in our price range.

Not long after the old home, we found another in a different town just East of us. We put an offer down and found out quickly that a previous offer was already accepted. UGH!! We saw a few more properties and finally, found the home we're in now.

The moment I wanted in the door, I felt at home. A wave of warmth washed over me. Had we actually found our home? After several defeats, we were not quick to get our hopes up. Sure, we liked the house but we didn't want to fall in love just yet. We made and offer, went back and forth with the seller a few times and settled on what we feel was a great deal.

Then the paperwork and deadlines started. We had less than 40 days to close, which is barely enough time for a lender to get all the paperwork he needs in and to the right people at the right times. We already had 90% of the paperwork he needed from us ready to go since we were in the works on the old home. Days blurred past us as we signed papers here, met him in the office to go over semantics, tried to console Logan from his 2 year molar pains, and maybe get enough sleep. All while, my friends, we were gearing up for a 5 day vacation on the other side of the country and getting packed by the end of the month. Whew!! It was a lot to do!

I decided not to start packing until we had come home from our trip. The stress was weighing on me and my stomach pains were a sign of its presence. Up until our closing date, everything seemed to work out smoothly. Our inspection was great. The sellers agreed to fix a few small things, no problem. Our appraisal was just $500 more than what we had offered and that worked out great! We were pleasantly surprised by how well things were going so we began to pack things up and get really excited about the move into our very first home. Still, we knew that there were several things to sign before the keys were in our hands and so we waited with bated breath for this to really work out.

Then, on June 28th, the morning of our closing date and just 2 hours away from becoming homeowners, the closing was delayed without a time set and we had no idea what was going to happen. No one could get a hold of the processor to change some figures, and without that, we couldn't close.

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