Friday plans…
I’m so excited for tomorrow!
Morning: 1-2 hours of signing loan documents for the house!!
Afternoon: using one of my Google deals for a facial, neck/head/foot massage, and a glass of wine. Hopefully they can work on the giant wrist cramp I will have after all that signing. I couldn’t have timed this appointment better!
Happy Tuesday, all!
I am happy today as I have only three days of work! Rough life, I know. One of the best work decisions I have made has been to work a flex schedule. I work a little bit more each day, but then I get every other Friday off. It worked out nicely so I have three 3-day weekends in a row! Heavenly.
The weekend wasn’t too exciting for me, as the weather was up & down. So jealous of all of you who spent it on a beach in a bikini! We had two nights of amazing thunder/lightning storms on Friday & Saturday night. I have never felt the house shake like that before! And OH THE RAIN! It takes a lot to impress a girl who grew up in the Northwest when it comes to rain. But, oh, my, it fell so dang hard that we got one inch on Saturday!
I spent a lot of time sorting out things - to throw away, give away, etc in prep for the upcoming move. This is one of my least favorite things to do, but I feel accomplished - 4 bags to give away, 2 bags to trash so far!
And this morning, this blackberry cornbread recipe from Shutterbean is heavily on my mind. Doesn’t this sound perfect?
Good news on a Friday!
I received my house appraisal report this morning, and my house-to-be has been appraised at $5k over the sales price! Yay!
This means a)I’m paying a decent price and b)my loan will be approved.
What great news to start the long weekend with!
a cloudy morning
A year and a half ago, my boyfriend was in a crash on his bicycle when a car turned right in front of him. Luckily for the most part, he came out okay. By okay, I mean his brain still works, he can walk - you know the essential functions of life.
But not all is okay. Parts of his body still hurt, and there’s still the lasting emotional trauma of being hit by a car. I’ve been feeling extra emotional about it after an accident last week in which a young woman in her twenties was killed in a similar bike/truck crash involving a right turn.
I’m thankful things weren’t worse in our situation.
I’m thankful I didn’t have to see the accident last week as it was only blocks from my office & I couldn’t have taken that, especially as a bike commuter myself.
We are meeting with his lawyer in an hour to discuss his case. It’s so hard to discuss money and put a value on this kind of accident - what amount of money can take this crash back? Insurance companies can just be kind of icky when it comes to situations like this. Lawyer folk, I don’t know how you handle this kind of work.
Please send me happy thoughts - I’m trying hard to be the strong one here, but I’m feeling a little weak and worn out this morning.
aboutthisgirl24 replied to your photoset: Welp, I think it’s nearly safe to say I’ve bought…
How exciting! As a person currently debating whether or not to take home ownership on herself, I know what a HUGE decision this is. Crossing my fingers that the rest of the process is smooth!
Thank you! It is pretty big, but I’ve thought about it for several years, so I feel pretty ready. Also, prices are good and interest rates are amazing, so it’s a good time to buy. Let me know if you have any questions about it — not that I know everything now, but I’ve certainly learned a ton in the last few months.
Biggest lessons so far:
- Definitely take a homebuying class. In Portland, we have a nonprofit housing center that helps first-time buyers navigate the process - find out if your city has something like this.
- Take time to understand your possible mortage payment (principal + interest + taxes + mortgage insurance (possibly) + homeowners insurance, aka “PITI”). I realized I could afford a house in a higher price range because the property taxes were half the average price (NE PDX typically has lower taxes). It totally empowered me to figure this out on my own and made the process seem less intimidating since I could wrap my head around the financial part (if that makes any sense!).
- Build a good team of advisors who can be your experts: realtor, mortgage broker, inspector. The right people will make your decisions easier if they are the experts and can answer your questions clearly.
Welp, I think it’s nearly safe to say I’ve bought a house!! This is (nearly) MY house and MY kitchen (and my yard!).
The inspection period has ended, and we successfully negotiated the full roof replacement cost plus a little extra. Phew.
I would have liked about $500 more, but I’m sure the seller would have liked about $3,000 less so no one wins fully. I’d rather leave the negotiations on a good note than argue over it, so the sellers will be more motivated to leave the house in a good condition on their move out.
The next two steps are still critical: the appraisal and final loan approval, so we’re not out of the woods yet, but it seems like things are moving forward smoothly (knock on wood).
Fingers crossed, but we’re headed towards a close on June 1 (!). Eeek!