Posts Tagged ‘Home Ownership’

Rollin’… rollin’… rollin’…

Sunday, September 7th, 2014

Quick note: I’m not a hoarder, this is what moving looks like. This is also a graphics heavy post.

In the deep recess of my mind I will always have the “I need to sit down and get this done” mentality. The reality of that, however, it just doesn’t freaking happen. I’ve deleted five posts that were sitting in drafts over the course of the past few months. I’m to a point in my life where I’m really just too bored with things to even care about them. I always find a way to side track myself just to get away from the task at hand. This is killing me on all levels because I feel like I don’t actually complete anything from start to finish in the usual time frame.

Last month Sean and I headed up to New York because he had an appointment in Manhattan, and we hadn’t been up there in well over a year so we were doing double-duty on this trip by getting my childhood bedroom packed up so we could move everything into the house. I wanted to get up there earlier, but I also wanted to get the new house settled a little bit before there would be complete and total chaos with new stuff. I’m actually happy I did it this way because the end result of unloading the truck into the living room put my OCD about keeping things clean into a tail spin.

As you can see from the photo below, the living room and dining room were covered in boxes and bags and just fabric everywhere. It took me a solid 3 days to get everything where it was supposed to go.  Literally, three days, 8-10 hour days a piece. Books were put on the shelves, furniture was moved to the rooms they actually belonged in, DVD’s and Games were put away, shelves were hung in the hall closet to accommodate the extra jackets, winter gear, and even board games (that I had no idea I had a stock-pile of) and then all of the clothes somehow wound up inside of MY closet. This is primarily because it’s a 8-foot by 8-foot room and there was enough space on the floor, and enough height with the shelves that I could actually get the boxes into the shelves.

cleanhouse

So this is ultimately how the house looked after a solid 3 days of busting my ass. And even though the mess of stuff didn’t actually wind up in the den initially, since I was on a cleaning rampage anyway – I went a head and not only rearranged the furniture in the den, but cleaned and organized it from top to bottom as well.

den

Bella now has her own little corner by the doors, I needed this to happen because I wasn’t able to close the glass doors with the way the furniture previously was formatted. So I had to move Sean to his own corner, which works out better for him because it’s right in front of the TV. Not many people believe that it’s a 70-inch television, but it is and it just looks super small up against the huge wall it’s on.

The closet was a different story.  I think since it’s in an area that doesn’t get a lot of daily foot traffic, I was able to keep it at the back of my mind… as well as at the back of the house. I had no ability to even really access the closet, because three weeks of laundry kind of piled up in front of it. Of course, after the laundry was done I still couldn’t get towards the shelves because of everything on the floor inside of the closet that needed to be sorted through and thrown away.  In the end, however, the final result makes me very happy. Note: The bathroom and closet are not green, they’re white…for some reason the tablet is randomly changing things to different colors.

closet

Another area we’re tackling is the kitchen.  I’ve been fairly unhappy with it since we moved in. The location of the island really cut down the proper use of the counter space. So, what we did was get rid of the island. Does this sound crazy? Sure, but we turned the island so that it is up against the wall instead of coming out from the wall. We then purchased two upper cabinets to hang above it, and cut the depth of the counter top so there is no longer the ability to put the barstools up against it. This isn’t something I’m worried about though, what we’re going to be doing on the other side of the kitchen is opening up the wall to have a picture window (that will allow for more light in the Living Room), we’ll be purchasing two lower cabinets to flank on either side of the bar stools that will now overlook the living room and fireplace. This area will more than likely be used for quick meals, or going through the mail, or just sitting down and having a cup of coffee.  Maybe if Sean and I ever decide that we’re ready for children this could eventually turn into a homework space. I don’t know… I just know that by opening things up into the Living Room/Dining Room it’ll just make the kitchen feel larger than it actually is.  In order to do the walls, however, I’ll have already needed to have countertops ready to go.  We’re replacing the butcher block look formica with a slate black color, I’ll need to purchase two counter tops to replace the existing ones, and then an additional one to put against the new wall. I’ll be painting all the cabinets white, putting in new flooring, and going with a grey tone on the walls.  I’ll have pictures of that in an upcoming post, this one was a little picture heavy and I’m personally not 100% happy with how the kitchen currently looks so obviously there’s nothing to show.

In any event, I actually finally sat down and got everything in my head written down. I am going to try for more posts, lord knows there’s enough going on that I want to blog about but at least for now the “I finally have 30 years of my life under ONE roof” post is finally complete.

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Posted in Daily, Delmarva, Home Ownership, New York, Stressed, Work | 1 Comment »

Productive procrastination?

Monday, June 23rd, 2014

Believe it or not, I’ve actually been actively attempting to complete a blog post for the last week. This is where my life has pretty much gone in the shitter. I’ve sat down and started writing this particular entry probably 15 times, and still have yet to complete it. So my goal for the next 20 minutes is to complete a thought and hopefully be able to hit the “Publish” button instead of saving the draft. Work has taken up a lot of my time which has caused me to slack just about everywhere else… but it’s not like I’m being a lazy ass either… right?

First and foremost, my dad came down to visit this past week. He’d never seen the house before and probably hasn’t been to the state of Delaware either EVER or at least within the last 30 years that I’ve been alive, so it was a nice little vacation for him. Typically when he takes his mandatory time off of work (he accrues his hours, but never uses them), he takes off two weeks in a row and will maybe spend a few days in Atlantic City but for the rest of the time he’s hanging out in front of the TV complaining he’s bored. So, as a nice little change for him he got to leave New York and had a place to stay for a week that wasn’t his own house. He seemed impressed by the size of my master bathroom, which hell even I’m impressed with that. The house itself also (like it did with Colin previously) seems much smaller in pictures. When you actually walk through it and take in the 3,000 sqft it’s semi-shocking.  It’s way too large for just two people, but that’s just how it goes.

Moving on, while he was here I got to celebrate father’s day with both him and George, which was a nice thing to finally have some family members together from both sides under the same roof.  We took him to the two restaurants that I know he couldn’t possibly have up in New York. First of which is Cracker Barrel, because hey that place freaking rules and $30 for three people to eat A LOT of food is just an awesome experience. Then another night we headed over to Bethany Blues in Lewes because it’s just damn good BBQ. I’m a sucker for their Mac & Cheese (even though I find mine to taste better, it’s just a nice change to get it from there). I wasn’t happy with my rib choice, should have stuck with the brisket or pulled pork but I wanted something different, and it just didn’t work out that well. That’s ok, dinner was still enjoyable, and dessert was freaking awesome so I really can’t complain.

He left us on Wednesday, he took the ferry up to Cape May and then drove up to Atlantic City for a few days and noted that he not only got to see a few hawks floating around, but even spotted little dolphin following the ferry. He knows based on prior experiences with seeing hawks that it’s just not gonna be a good gambling time, he experienced that almost every time he drove up to Mohegan Sun in Connecticut. It was no different when being on the ferry heading to Cape May. So, even though he unfortunately lost in A.C. he enjoyed his week away from New York.

So, moving on. We had a few big plumbing issues this week. Something happened to the pump in the basement for the bathroom  and we wound up springing a leak. Of course Sean over reacted and made it seem like the basement was flooding out and it was just a trickle of water that we were able to take care of. George came in and fixed the pipe, sealed things up and now we no longer have the weird sewer smell either, which was freaking disgusting but I already know once we get a good chunk of money together we’re completely gutting the basement and starting over. The assholes who previously owned the house compromised so many different things by building the basement that we really have no choice.

basementholesI got to the point, while my father was here, that I actually put a hammer through the wall in the basement because the fucking morons who built up the basement decided it would be smart to block a window with drywall because they couldn’t figure out how to cover a pipe. Yep.. block a window… lose ventilation as well as an exit point in case of fire. FUCKING SMART! I took the pic of the aftermath of this area off of Sean’s Instagram. The photo to the left is my exposing of the window, and the photo to the right is us exposing the super fucked-upedness of the previous owners.  Now… Sean has two vents in his office for the HVAC. Both of which BLAST air into his office, but then you look at them on the other side of the wall (in the area where the holes are now) the vents were half-ass placed on the wall, and then they were clearly leaking because with how cold Sean’s office was getting, the room (where these holes are) was a good 10 to 15 degrees colder.  So, he taped up the vents and then heard a weird noise coming from the wall behind the shower, he opened up the wall to find a HUGE hole in the duct work where it appeared that they were attempting to heat the back wall of the shower in order to get around the lack of a vent in the bathroom. So, prior to us locating this hole we knew that the bedrooms upstairs did not have good airflow at all, it was always either too cold in the winter, or blistering on the recent hotter days when factoring in that the A.C. will never kick off because the house would not get down to the 65* that the thermostat was set on.  So, once this hole was located and patched a blast of freezing cold air came through the vent in the master bedroom. While we’re confident that there are still leaks here and there, I feel the A.C. is now even functioning better because it’s actually turning off when the house hits the temperature it’s supposed to.

The only reason we really started to investigate into things was because my father had mentioned that the room he was staying in just didn’t have a good flow of air and it was only realized after he’d shut the door to go to bed for the night. Now, I don’t like the idea of someone being uncomfortable in my house, it’s one of my biggest pet peeves. If you know me in person, you know that I’ll make it a point to keep things as comfortable as possible. Case and point would probably be Karen, she’s got poor circulation and is commonly always cold. So, I make it a point to turn the A.C. off before I know she’s coming, or turn it to a higher temperature. Sean and I are comfortable at 70*F, she’s more comfortable at 80*F, so I compromise and bump it up to 75*F and make sure that there’s a fluffy sweater within reach for when she gets the chill.  Knowing that my dad is on a normal persons schedule and eating habits, I made sure to have cereal, cold cuts and other things in the fridge/pantry so that he had what he’s used to noshing on at home. I went and bought a double decker air mattress (as the temporary bed until I can get my mattress from NY), this way he wasn’t sleeping on the futon, or on the floor, plenty of clean towels, even found some of the shampoos and stuff I’ve taken from hotels over the years of travelling back and forth with Sean and put them in the bathroom in case he’d forgotten anything.  I just, I dunno, I just want to make sure you’re comfortable.  I’m not the “Oh do you want a drink?” type of person. I show you where everything is and you help yourself… but that’s just a ‘default’ thing for me because anyone who does stay here, or stop by for whatever length of time is typically someone I’d consider family anyway.

So yea, it was an eventful week and thankfully a few things have been fixed. We still need a roof, still need to get all of the rest of their shit out of our garage, and also are quite possibly going to need to gut the basement and start over. I know Sean doesn’t want to lose his office, but if we can make it better… why not?  The goal for next year is to tackle anything on the outside of the house, we want to put up a fence, a pool, get a shed for the lawn/pool equipment, so the next few years are going to be tight, but we’re thankfully pretty settled in and minus the lack of furniture for the master bedroom, pretty damn comfortable.  I think the saving grace is the fact that Sean and I both have our defined office spaces and things just run smoothly. I find it’s easier to concentrate when I’m working in the office and not in the den, which could be why it took me almost 3 weeks to blog, because I get side tracked by the T.V. while I’m working.  So sitting in the office with music and both feet on the floor in a proper upright working position I was able to spend 16 hours yesterday finalizing a site for a client.

I’ve been working on big name things that I’m not allowed to talk about and it freaking kills me, because my portfolio would look fucking fantastic, but when dealing with NDA’s things just get tricky and I personally do not want to deal with a lawsuit for my boss, or even me.

So… I’m heading off, I’m actually going to hit the “Publish” button, and I’m happy as hell about it.

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We’re getting there…

Monday, May 12th, 2014

I’ve wanted to actually sit down and post for well over a month and a half, but the joy of homeownership when the place is constantly a wreck tends to take the priority.  So, since it’s been so long, I now don’t even know where to start.

If you follow me on Twitter, Instagram or Facebook you’d know that we did actually close on the house and get the keys, it happened on March 14th instead of March 12th but it happened. Since then it’s been a mad-dash of “Get This”, “Fix This”, “Clean This”, followed by INSERT MORE COFFEE!!  The house was so freaking disgusting after we got here on closing day. It took me over a week of shampooing carpets before I was even remotely comfortable with moving in my stuff over here. The bathrooms were scrubbed a few times with A LOT of bleach, the garage was full of crap that the previous owners should have gotten rid of and it fucking cost us money to do it, money we didn’t have because they completely fucking screwed us during this entire god damn process.  After going through this house we’ve easily determined that these people were low-life scum who had absolutely no idea what broom was, let alone any advanced cleaning accessory such as a SPONGE. The layers of slime that were scrubbed off of the showers is still mind-blowing to me… to the point that I’m now scrubbing the shower down almost every day just to make sure there’s none of their residue making an appearance – my O.C.D. in this house is possibly 10 times worse than it’s ever been before.  I swear to god if they were ever dumb enough to step foot on this property I’d probably shove a few of the shot-gun shells found in our crawl space straight up their asses.

In the past month we’ve gotten the bare essentials taken care of on the house, the rest are all happening this summer. We’ve got a huge couch and a big comfy chair (for Sean) in the Den. We recently picked up a gorgeous 6-person cherry dining table to start building up the dining room, we bought a small kitchen table the first week so we had somewhere to eat, picked up some bar stools on clearance from Lowes that were a really good find. George and Sean have been busy with some of the maintenance around the house so that we can be in a livable environment, and the only major thing left to accomplish this upcoming summer is to get the roof patched up.  If we had a little more wiggle room with the bank account this summer we’d have a company come in to take down a few of the over-grown (and dying) trees in the back yard so we can start putting in posts for a fence.  Why? Cause the neighbor behind us has the most annoying dog in the world and I’d rather it no longer have the ability to see us whenever we pass by one of our windows, and I want a damn pool so a fence must come first!

Sean’s been really happy down in his basement office, I was able to spend some time getting my office painted and setup so the only thing at this point that’s missing is a new desk but I’m making due with the folding table for now, it’s holding the iMac up pretty well, as well as the side monitor so I think I’ll be OK for a little while. Of course I’m going to need to get my Windows desktop setup at some point for cross-browser testing but I’ll continue to utilize the free services for now.  I could really care less if IE6 supports something anyway, if you’re still using IE6 then you shouldn’t have a computer to begin with.

The one big draw-back for life recently is the fact that my cell-phone is pretty much useless. I dropped it on the day of closing and the back popped off, it’s currently being held together with electrical tape and the battery only holds a charge for about 30-60 minutes. I literally have to keep it on the charger unless I’m talking on it, in which case I have to make sure there’s a charger close by.  Now, the battery was shit before I broke the back off of the phone, it’s just gotten much worse over time so I’m going to assume that replacing it should help to solve a few of my problems.  Thankfully, even though the Droid-4 was made in a way that Verizon would have to change the battery for you, I was able to break the piece off that Verizon has the tool for and I don’t need to waste money by bringing anything to them.  So, I’m gonna spend $20 on Amazon for a replacement and hopefully be good to go. I’m not due for an upgrade, but with the cost of cellphones I’d rather salvage the one I have for as long as humanly possible.  There’s no point in my spending $200 to upgrade every two years when I can just pick up a $20 battery that should hopefully give me at least 12 months without any problems.

BUT – the one thing we’re doing to help with the problem is turning our Double Play with Comcast into a Triple Play. Sean didn’t really see the point in having a house phone in the beginning, but now that he’s seeing how many problems I’m having with my phone and seeing how often I need to be ON the phone because my entire family and all of my friends live in NY he’s realizing that the house phone will be an essential part of life here for me. So tonight while we were in Staples we found an AT&T phone system for like $100 that included like 5 phones which would pretty much cover every room in the house, Sean figured it would be cheaper on Amazon so we walked away from it, but I saw saw it for like $130 on Amazon so I guess I’ll be heading back to Staples… when will men learn to listen?

In any event, I have an inbox full of crap to take care of and eyelids that are not willing to cooperate, so it’s time to increase my caffeine and while that’s working through my system it’s time to walk the dog. If it weren’t for her snoring next to me, I honestly would have completely forgotten it’s time for her to head around the block.

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Surprise…. surprise…

Thursday, March 13th, 2014

We didn’t close yesterday, shocking I know. We were advised at the closing table that documentation was missing from one of the co-signers and then it turned into a mad dash to get everyone on the phone.  We had to make sure paperwork was notarized, and they wanted a copy faxed to them so we could attempt to close the same afternoon, however the faxes never went through so in the process of that not working the co-signer ran to the FedEx store to have the paperwork overnighted down.  They wanted the fax just to start the process, but they required the physical copy because of the seal.

So, co-signer paid the $30 to have it delivered before noon 3/13.  Due to the wind-storms that flew through the north east last night, the plane didn’t take off until after Midnight and was some-how re-routed from New York down to Memphis, TN.  The document (per the tracking info) was then DRIVEN to Baltimore, MD and has been sitting there ever since. We got in touch with a rep at FedEx and they noted that due to the winds it was delayed last night, and unfortunately due to the winds today it’s delayed until tomorrow.  The rep said that it would be there by Noon on 12/14, lets just hope that’s the case.

So everyone is still all over the place, thankfully the owner/realtor gave us until Monday to get this all finalized (per her addendum to the contract). They sellers already signed over what they could, at this point they’re just waiting on the check, and due to their scheduling conflicts this week they’ve also given power of attorney to the lawyer so that she can represent them for this signing when we actually can finalize everything.

Utility wise, everything is on in our names but they still hold the note on the house until the check is handed over to them. I’m hoping nothing happens at the house between now and signing, but we should be ok.  Sean and I are both at the end of our ropes, we’re sick of this entire process and just want it to end.  Hopefully we’ll have everything settled by tomorrow.  I just want the keys, I just want to get in there and clean the place up and start our lives.

It’s just way too damn frustrating to deal with anymore.

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Figured it would go that way…

Wednesday, March 12th, 2014

As predicted, yesterday was a crap shoot.  While the house itself was primarily empty, there were still a few bits and pieces that needed to be removed. It was fine, but they had two freaking weeks to do it – what was the hold up?  The house itself is FILTHY, I don’t know how much bleach it’s going to take me to get it clean, but I’m fairly confident that I’m going to need to waste the money on Stanley steamer, the owners didn’t even care enough to attempt to pick up the dog piss all over the carpets.  I can’t afford to have the floors redone right now so I’m gonna have to have them steam cleaned twice just to make me even remotely comfortable with walking around the house.  I’m pretty convinced I’ll be wearing sneakers 24/7 until the carpeting is replaced.  My concern initially is to just get the house scrubbed down so we can start moving our stuff in.

As for the termites? While the inspector said that there’s no evidence of ACTIVE termites, there’s no evidence that anything was treated for the one trail that was found. So what does this mean? Since they saw it they have to treat it and since that was the only freaking company we could get to come out yesterday, we’re now stuck spending $1800 to get the house treated since we had absolutely no time to shop around for a lower number that would both treat the house and satisfy the bank that everything was taken care of. I felt like we were put on the spot last minute and of course the owner of the house didn’t help because she’s a CUNT with a mouth. It came very close to her being a CUNT with no teeth in her mouth with her freaking attitude problem.  I don’t use that term very often, but there are people in this world who are deserving of the title and if you ever met her you’d agree.  She overheard the last part of a conversation about how it would take three hours to treat the house, convinced herself that it would be happening right then and there and started shooting her mouth off.  She also made it very freaking clear that if we couldn’t have the house completely treated by noon today then we’d be breaking contract and they’d put the house back on the market and we don’t get our money.

#1 – Shut the fuck up.  #2 – You’ll have the lawsuit of the century because it’s not US holding up your precious transaction to pay off the brand new car you’ve got sitting in the driveway, it’s the bank.

I’ve never, in my freaking life, wanted to beat the living shit out of a pregnant woman but if I didn’t walk away when I did, it was going to happen. I don’t give a shit that you’re hormonal, your fucking house THAT I DONT EVEN OWN YET has already cost me almost $3,000 so kiss my fucking ass.

If they decide to pull ANY shit today and something happens they’re going to court. It was not my responsibility to treat your house for termites, and it sure as shit wasn’t my responsibility to hand you a full list of everything WRONG with the house so your DICKWAD of a husband can half-ass fix it to put it back on the market.

Her bi-polar disorder clicked in at one point and after she was done fake crying on the steps she looked up at Sean and I and was like “This hasn’t been easy on you, has it?” ARE YOU FUCKING KIDDING ME???? YOUR FUCKED UP REDNECK FAMILY IS THE REASON THIS HAS BEEN A COMPLETE SHIT SHOW!  I’m trying my hardest to not flip my lid and keep myself calm until 4pm this afternoon, that’s when we’re closing. I’ll keep my fucking mouth shut for the hour it needs to be shut for and if ANY of these fucking people say two words to me I’ll explode. The keys will be in MY hand, they’ll have their check – either fuck off or fucking try me…. I dare you.

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What do you want now… my first born?

Monday, March 3rd, 2014

Sean and I have decided that once everything is finalized with this sale, we’ll never be purchasing another home. The process for buying a home is the most time consuming, stress inducing, bull shit situation I’ve ever been in. So many people, for the longest time, were just handed mortgages and then boom – economy crashed and there’s foreclosures everywhere. Now? The process is pretty much to the point where on top of the last 5 years of your financing, they’ll take your first born to seal the deal.

Originally we were going to close on Feb 28th, we were set to close on this date but then some random tax stuff came up for our co-signer, and it was then going to be delayed for another week. We were super happy to find out that we’d be closing on March 7th, then we come to find out that this random tax stuff would require information from the IRS that we’re having A LOT of trouble getting our hands on.  So, we went ahead and submitted an addendum to the sale contract and we’re basically sitting tight until the bank and the IRS can get everything worked out.

The issue? The owners are freaking morons. Their realtor was never given the green light that we’d be 100% closing on the 28th, so they decided that they would be smart to just up and move out the day before the original scheduled closing. For people who couldn’t afford to fix ANYTHING in the house, it surprised me that they actually had the money for a down payment on a new house. So while the house is actually in their sons name, they decided to just walk away. Now their realtor (their daughter-in-law) has gone as far as requesting that we move into the house before everything is finalized with the bank and pay them $1700 a month in rent plus utilities. ARE YOU FUCKING SERIOUS? Why the hell would we do something so stupid? Based on the issues we’re dealing with theirs no guarantee that we’ll EVER close on this house – so why would I tap into my down payment just to make sure that they can cover their own mortgage because her in-laws are dicks? Their financial problems are not my problems, or my fault.

For the past two months we’ve completely been at the mercy of the bank, who’s asked us to provide things to them that I feel are more of an invasion of privacy than something that’s pertains to the loan. Every deposit to the bank accounts, they want to know why it was made and a copy of the checks. They demanded all of the pages of the statements so they can see how our money is spent, and I’m sorry but the fact that I don’t feel like cooking on some nights shouldn’t be their business – how dare you question how often I purchase a pizza. They originally requested deposits, withdrawals aren’t their fucking business.

I’ve had to write a letter to the bank to inform them that Sean has access to his own bank account because it’s a joint account. I’ve had to write letters advising why W2’s are different than Taxes filed when they’re incapable of reading the “Other Assets” section of the tax returns (What the fuck is the point of even providing you WITH the tax returns if I’m just going to have to tell you to READ them!?) We’ve given them year to date income for the past two years, they’re demanding that we file our 2013 (even though by LAW I don’t have to do that until April and I haven’t received all of my 1099’s anyway so I’m going to wind up filing an extension).

We’ve had to dig out the paperwork for the lease for Sean’s mothers house, they’re also requesting he be removed from the lease prior to the sale, which is something that’s not gonna happen based on the fact that he’s her sole beneficiary and needs to be on the lease in order to take over the house in the future… so they can go screw off on that one. They also mentioned that divorce paperwork (for a divorce finalized in 1999) may be pertinent to the loan as well.  The level of prying is fucking absurd, I feel more violated by the bank than I ever could by a visit to a gynecologist.

So yea, this is a process I don’t ever want to go through again. It’s a constant up and down, and emotions are running hot because we’re past being anxious and are now downright impatient to just get this over with. When we were originally provided with our new closing date Sean and I went out and I stocked up on everything I could possibly need for my new kitchen. Pots & Pans, Cooking Utensils, Mixing Bows, Bakeware, Cutting Boards, Knives… everything you could need for a kitchen. The only thing we didn’t pick up were plates but that’s because the ‘patterns’ at Walmart are ugly as sin, and set that has service for 4 for $30 seemed extreme to me. I can easily pick up service for 8 from Dollar Tree, and that’s exactly what I’m going to end up doing.

The only upside is the fact that we’ve got a pretty massive storm coming through here over the next few days and since we weren’t moving in this weekend we weren’t going to have to deal with the snow to slow us down. I’m also kind of hoping that something happens at the house that forces them to actually fix it up. Since the contracts aren’t finalized, they’re still the owners so they’re responsible for anything that happens to it until we’ve been handed the keys. Is it wrong of me to kind of hope something happens? Of course. BUT that doesn’t mean Mother Nature feels the same way and when you factor sleet, heavy rain, and then about a foot of snow sitting on top of a roof that’s in need of repair… it may wind up saving me the $10,000+ that is required to replace the roof. If they aren’t willing to fix it to finalize the sale of the house… they’re stuck with a $1700 a month mortgage on a house that no one lives in.  Oh freaking well.

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Move quicker damn it!

Tuesday, February 25th, 2014

We’re still at the mercy of the bank.  We’ve had to add a second co-signer to the loan because the first one (while well qualified) pays rent so they then needed to re-crunch the numbers.  The issue now is the fact that they sent all of this to us on Monday 24th, which is the day when we’re supposed to be letting the current home owners know we’re “good to go” and they can work on getting their stuff out of the house so we can close on Friday. We, unfortunately, have not gotten the green light – all we got was an extra 60 pages of a contract that needed to be filled out and sent back ASAP – now we’re not going to know a damn thing until tomorrow afternoon.

It’s a 50/50 chance that we’ll be closing on Friday, but at this point I’m leaning more towards next week based on how royally we’ve been screwed this entire time. I, personally, could care less about how this is effecting the current home owners because they lied way too much for me TO CARE.  I got this sob story about how they’re going into assisted living, can’t afford their bills, yada yada. Meanwhile, they were just downsizing and moving to a different community.  Why lie? Why even concoct a story? You didn’t need to say a damn thing to us, you could have been honest and said that the house was just too big for you to handle. Why even come up with some bull shit to try to tug the heart strings? You’re not dealing with a native Delawarian.. you’re dealing with a New Yorker who couldn’t give two shits about you at the end of the day anyway!

So by tomorrow afternoon (fingers crossed) we’ll know our closing date. I’m still hoping it’s Friday just because I’m itching to get the hell in there and scrub the crap out of the place but who knows. Either way I have a stock of cleaning supplies already written down that I need to buy and bring over there. I just want start the cleaning process, have Comcast come in to wire the place and the rest is cake.

I haven’t even started packing, it’s not because I’ve been too lazy to get started it’s because the “Waiting Game” aspect of things has lead me to believe that this wasn’t actually going to happen for us. Is there a lot to pack? Sure. Is it something I could knock out in a few days? Yes. That’s the beauty part. When you own the home and you’re not leaving a “Rental” property – you’ve got a little time to get yourself in and settled. So by default the first task is to get the place cleaned up, while cleaning have anything installed by an outside company that needs to be installed (In our case it’s just Comcast).  Then we’ll be heading over to a few furniture places because the only pieces of furniture we currently own are a bed and two desks. Clearly in a 2900 sqft home we’re going to need a lot more.  So, first purchase will be a couch, and then I’m hitting up every Thrift Store I can find to get the rest of the house furnished. I will NEVER buy a ‘used’ sofa from anyone. You never know where the sofa really came from, and I don’t want the headache of scrubbing things down to the point I’m stripping the color off the fabric because it’s just not clean enough for me to have any piece of mind.  So the sofa will be brand new, where as anything wood based (dining room table/chairs, end tables, coffee table, dresser, nightstands, etc) will come from thrift shops and flea markets. Why? Cause I know I can easily scrub them down and I’ll probably wind up stripping the paint off and staining them anyway.

Do I have it all figured out? of course. Will things go any faster because I have them figured out? Of course not! Sean’s a complete impatient mess right now, but I know he just wants to get this whole process over and done with so we can focus on more important things. I typically will keep the frustration levels to myself, but that’s because I know when it comes to certain things I can handle stress better. I also know I can handle paperwork better, but when you’re exposed to that stuff it’s just something you get used to.

The only thing that I’m increasingly growing impatient about is the fact that Bella’s hair is way too long and she’s been panting like all holy hell because it’s always so damn warm in this house. I spend a lot of time in the bedroom with the window open and the overhead fan on but that doesn’t help her comfort levels. I want to know the exact monetary numbers we’re dealing with for the closing on this house so that I know if there’s an extra $100 in the budget for me to get her groomed just so that’s one less thing to stress about.

A big stress factor right now is work has really, really slowed down to the point that it’s scaring me. I’ve always got little things to do but there’s nothing to really solidly keep myself as busy as I’d prefer. The only benefit to this is it’s given me time to get a new template together for AGn Designs, to replace the “Temporary Site” that’s been sitting there for two years that I freaking hate. I still have like five or six pages to format though, so lord only knows when that will be completed.

Either way, my inbox is showing me that I have a few things to accomplish today so hopefully I’ll be able to get them knocked out and keep my mind off everything with the house.

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In the home stretch!

Wednesday, February 5th, 2014

We’re making strides on the “Home Ownership” front.  We’re set on our final sale price, we’re mailing a huge packet containing all information over to our broker, and, per our contract, we’re set to close on Feb 28th, 2014. I’m super excited, I’ve been on a bookmarking rampage for everything we’re going to need for the house. The only thing we’re really waiting on now is the word back from the bank confirming that we do, in fact, have the loan and it’s then full steam ahead.

The owners of the home, being as they had to pay February’s mortgage anyway, set the 28th as their closing date. This gives him time to clear all of their stuff, but it also gives us about 15-20 days to make sure the bank has whatever they need to move forward.

I am a little annoyed with the owners at the moment, but at the same time it’s just one of those “part of buying a home” bullshit things.  We’re given this sob story about how they’re going into an assisted living facility and can’t come down on their price any more than they already have. Okay, as a compassionate person I understand that. But when your realtor (who also happens to be your daughter in law) lets it slip that you’re just ‘downsizing’ and moving to another community… kind of ticks me the hell off. Especially based on the fact that they aren’t fixing a damn thing inside of the house. The roof being replaced is a cost that falls on Sean and I in the very near future, the plumbing issues also fall on us, and lord only knows how much scrubbing I’ll have to do before I’m even remotely comfortable with bringing my furniture into the home.  It’s random things that are ticking me off, but in the end it’ll be something that’s MINE and I should just let it go.  Doesn’t mean I’m not ticked off about it… but I’ll just let it go.

On the work front, it’s the same old shit… different day.  I’m giving myself random 20 minute intervals for getting a new template up on AGnDesigns. Traffic has picked up a little after some SEO changes. The template currently on the site was only meant to be a temporary one so the fact that it’s been there for two years is proof that I just need to get my ass in gear. I’m drawing inspiration from a few different sites. I did find a template on TemplateMonster that I’m completely in love with but the entire thing is flash based and after doing some research the transitions that I was really hoping on just can’t be recreated with jQuery so I walked away from it completely.

That should, hopefully, be something that changes in the future.  School was put on hold for life-shit and hopefully after we’re settled in the house and we know what our bills are I’ll be able to get back into school and get things completed. I, oddly enough, am looking forward to getting into the semester that covers Flash. As much as I like the idea of jQuery, there are just some things where Flash makes more sense (especially when you’re dealing with compatibility issues once you factor WordPress into a site!). So that’ll happen soon enough and things will be smooth sailing again.

So yea, mortgage is under way, hopefully I’ll be handed the keys on the 28th and all will be right with the world.

Back to work I go!

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Hopefully it goes a little smoother…

Wednesday, November 13th, 2013

Unfortunately the broker I was working with on the mortgage was let go from the company.  Last night I went ahead and sent an email over to his manager explaining my unhappiness with his company, thus-far, and requested to be provided with the information that I’ve been asking for, for quite some time now.  He very quickly responded to my email, which was pretty shocking to me considering I sent it to him about 10pm last night.  He told me that he would be in touch with me this afternoon and able to provide me with all of the information that I’m requesting after he’s had the chance to review our account.

He told me that based on Sean’s income alone, we would be able to borrow enough money to get the house in the price-range we’re looking for.  With the addition of his father as a co-signer, it would increase so we could look into homes on the higher end of our anticipated budget.  With this, the home search is back up and running.  There’s one that I’ve been interested in looking at, Sean and I did a drive-by of it previously but we really want to get in there and poke around. Honestly, as it stands right now I wouldn’t be surprised if we wound up putting in an offer on this house. We both just have a feeling about it, I almost instantly felt like I was ‘home’ as soon as I put my foot into the drive-way. Yes, it needs a lot of landscaping but that’s nothing we can’t handle. And from what I’ve seen on the pictures, the bulk of the inside of the house is purely cosmetic.

So I’ve got a call in to a realtor, my pre-approval in hand, and hopefully this process goes a hell of a lot smoother the second time around.

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And now we’re back to the drawing board…

Thursday, November 7th, 2013

We, unfortunately, couldn’t get the financing that we needed to move forward on the house so we’re basically back to square one.  We’re out of the contract, we need to get our $1,000 (good grace payment) back from the realtor.  I’m disappointed because I really had my heart set on this house. I had it completely decorated in my head and knew exactly where everything was going to go, what furniture I needed to buy… the works…. but the ‘powers that be’ made it damn-near impossible for us to get into this house, and I want to assume it was for a good reason.  If there wasn’t? I just don’t appreciate being messed with.

The upside, after discussing everything, Sean and I decided that going after a house on leased-land makes absolutely no sense when you factor in that Rehoboth has probably the highest lot rent in the entire state.  This complex was going to charge us $580 a month for the land-lease, and then on top of that it would have been about $700 a month for the mortgage on the house itself.  Coming up with $1300 a month where you don’t even OWN the property that you’re paying for, really doesn’t make sense to either one of us.

So we went back to the drawing board, and have been looking for houses under $250,000 (which aren’t hard to find around here).  We’ve found one that’s really cute, it’s an Estate Sale, the owners children have control of it now and they desperately want out. Case and point… the house was on the market for $269,900 initially, in the past two years of it just sitting there it’s now down to $155,000.  It’s on it’s own property, 3 bed, two bath, family room, dining room, large kitchen, living room, sun porch, 24×28 garage, a big shed, semi-wrap around deck, and the property is massive at half an acre. I know that doesn’t seem like much, but I grew up in New York – the only grass I ever saw was a two foot patch off the curb, so this is a clear upgrade.  The other upgrade is the huge wrap-around drive-way with an island filled with all kinds of flowers.  I like the idea of a wrap-around driveway, never owned one before but I feel it would be beneficial cause I can pretty much come and go without having to move a car.  Granted, we only have one right now – but even still… I’d never have to move.  It’s in a really cute little community, the neighbors seem nice. And by “nice” I mean that they didn’t call the cops while I was poking around on the property to get a feel for the place (without a realtor).

The landscaping has massively overgrown in the past two years, but when looking at older pictures of the home (including the Google Street View) you can see that the owners, at one time, took really good care of the property.  The plus – on the ariel view there was an existing pool in the back yard.  That’s one of my stipulations for owning a home, there either needs to be an existing pool or room for one. In this case, there’s already a deck in place, it’s just the matter of buying the pool and setting it up.  That would obviously be something we do in the future, but it’s good to know it’s a possibility.  So we’re taking the massive undertaking of landscape removal into consideration on our offer.

So I’ve already got a call in with the broker letting him know that we’re changing up the game and won’t need a manufactured loan, we’ll need a conventional mortgage. He’s already got all of our information, so it’s just the matter of him crunching the numbers.  If we can be approved for the price-range that we’re looking for then I think we should be pretty good.  As soon as I know something from him I’ll get in touch with a realtor and do a walk through.  I know by default the house is going to require a lot of work, but that’s something we can work on over the course of time because we won’t have a complex manager knocking on our door to tell us the weeds are getting too high.  We’ll be able to do what we please, when we please and that’s fine by me.

There, unfortunately, is an HOA but for the $150 a year price tag I’m not going to worry about it.  There are houses in there that look like complete and total shit, the owners did not maintain them well at all, so clearly the HOA doesn’t really bother anyone.  Big thing for me would be cleaning up the front yard (at least) by this upcoming Summer (if we take the house, of course).  This way there’s at least some curb appeal so I don’t have to worry about them being dickwads about how the property looks.  If you’re snooping around in my backyard you’re trespassing and I should have position to beat your ass anyway.

So we’ll see how it goes, maybe within the next 24 hours we can start the process of pursuing this house.  We’ve looked at numerous ones, done drive-bys just about everywhere.  This is the only area where I can honestly say that I like the house, it’s close enough to everything where I don’t feel like I’m in the boonies, and it’s still close enough the water so I can at least enjoy the bay – there’s a fishing pier not even 5 minutes from the house.  The concern there is flooding issues based on how close to the water we are, but I’ll obviously get more information from the neighbors before even considering putting in an offer.

The pictures online are never 100% telling on how a house really is. The one thing realtors really don’t do for pre-owned homes is provide some type of a drawing for the floor plan.  The biggest gripe I have with that, if you can’t provide the drawing that’s fine but could you at least freaking give us the dimensions of the rooms?  We did a walk through of one house that was listed as 1600sqft with a ‘master suite’ that I couldn’t even fit a god damn twin sized bed into, let alone my king sized.  They should have put less effort into making the bathroom as big as it was, and pop out the wall so you could fit a freaking bed in there.

Based on the photos, however, it looks to be a similar floor plan to a house that Sean and I already did the walk-thru on.  We didn’t like the community, or the community rules, so we just let it go.  If it’s the same floor plan then I can pretty much get a feel for things.  There’s a lot of windows for natural light, I do know that the AC unit would probably need to be replaced, the damn thing looks ancient, and there’s two big propane tanks off the back of the house for the forced air heat and the gas fire place in the family room (which is actually nicely surrounded by stone).

Regardless of it needing work, I know that we’d have at least the rest of our lives to make it work so it’ll definitely be worth looking into.

I’m starting to get a little excited again…

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It was.. my dream home.

Tuesday, October 25th, 2011

So yesterday we looked at the house. The realtor was right, it does show nicely. From what we saw, there are anywhere from $15,000 to $20,000 worth of things that need to be done on top of the initial purchase price of the home. It’s primarily cosmetic, there’s a few cracks in the ceiling from the house settling, and some issues with having to remove a lot of tacky wallpaper, possibly purchase a new water heater, and almost definitely purchase an AC/Heat unit being as I was unable to locate one on the parameter of the house. It’s 2500 square feet, and the rooms in it are beyond huge, with this we’d need some kind of a high powered air unit to make sure each room is properly heated/cooled during the course of the year. I see that costing somewhere in the $3,000 range. While the carpets LOOK clean, the previous owner had pets and there’s a few very dark spots throughout the house so I would personally prefer to just remove them all together and have new ones put down. This would be after all of the wallpaper was removed from the walls, everything was painted and fixtures around the house that were missing would be purchased. The remainder of the money would be to furnish the home, obviously you can’t live someplace with nothing.

The setup of the house is as follows:

Living Room – When entering the house there’s a small living room, large enough for maybe an L-shape couch and a TV, possibly coffee table – nothing extreme. There’s a large gas fireplace in the living room as well, and a large 3-window picture window for plenty of light.

Master Bedroom – Right off of the living room is the master bathroom to complete the ‘split floor-plan living’. The room itself is 13×18. However, the walk-in closet it 10×10 – this would instantly void the need for us to have excess dressers/bookcases in the room. The closet houses pull down access #1 to the storage space above. We could honestly get away with one dresser and maybe a small entertainment unit for the TV, that doubles as storage for under garments and what not. Per the realtor, the closet could be used as a nursery in the future based solely on the size. I personally wouldn’t want the baby sleeping in the closet so that’s a hell no right there, heh. The bathroom has a nice size soaking tub, double sinks and a decent size glass-sliding door shower with two sections for shelving.

First Bedroom and Second Bedroom – There’s a blue room (first bedroom) off of the living room at the beginning of the hallway that’s 13×11. We originally were going to use this as either Sean’s office or Mine, however the room next to it is much larger and can be utilized as a very large office for the two of us. The first and second rooms are merged together with a Jack & Jill bathroom. It’s a decent sized bathroom to be utilized as the private bath for the two rooms, basic shower, toilet and sink area with some storage underneath. The two bedrooms offer decent sized closets for storage/clothing as well. The second bedroom, however, is a whopping 13×21. I shit you not when I say this room is HUGE, go measure a 13×21 area and tell me it’s not big? I could park my freaking truck in there and still have room for two desks and a couch!

Bathroom #3 & Laundry – Off of the very large room all the way at the end of the hall there’s a relatively small ‘public’ bathroom which is at the back end of the original structure of the home. Very basic , but obviously was an external wall because there’s a cut-out for a window that used to look to the outside. It’s a basic room, not much to talk about – directly across is a nice sized laundry room that has a pull down access point for the storage space. It’s not a stand-up attic on this end either, it’s a good height for boxes but the realtor noted she’s never personally gone up there being as there’s currently no electric in the home and she didn’t want to bump her head with no lights. (perfectly understandable). Either way these two rooms were the original “end point” of the home, however they’ve added extensions.

Den / Garage / In-Law Suite – A decent sized den with a gas fireplace, this would be utilized as “Lep’s Lair” as I’ve been calling it. More of a media/game room than a living room, this way if he’s playing games at night, I’ll be on the other side of the house in the master bedroom and it wouldn’t really bother me. This has a lead-out sliding door to the backyard. Off of the den there’s access to the two car garage, which shares access to the In-Law suite that was also built in this 3-part extension. The in-law suite offers a small kitchen, stack-able washer/dryer, and a private full bath. The room itself is about 13×15 so it’s relatively small but could be used as a small studio apartment if we ever chose to rent it out in the future.

Kitchen / Dining Room – These were the two that really blew my mind.  The kitchen is HUGE, and houses a nice corner wood burning fireplace, above it has a small cabinet to hide the TV (the hookups are already there).  There’s a large fridge,  nice stove, dishwasher, plenty of storage, and even room for a nice eat-in area.  From there there’s also a lead off into the backyard.  Moving forward (in the direction of the living room), there’s a nice sized dining room, it could fit a 10 person table and a hutch and there’s another lead off to the backyard.

Backyard – The yard is the size of the house, at least.  More than half of the yard is the in-ground pool and while its a little dirty, it could be absolutely gorgeous when cleaned out.  There’s also a small ‘pond’ area that has a pump and lights but since the power is off its just freestanding water filled with frogs.  There’s a separate small area that’s fenced off for the in-law suite so they have a private yard as well.  Every aspect of the fenced area is cement block so it doesn’t require any maintenance whatsoever. On the outside of the fence towards the side of the house there’s a lot of grassy area that includes a decent sized shed, it would require some clean-out work but its a decent enough size where we could extend the existing fence and give Bella, or any other dog we get room to play in the grass. There aren’t many trees in the backyard, so there’s A LOT of sunlight for tanning and enjoying the backyard in general.

Front – The front of the house has a large wrap around drive-way.  The side has a 6 car driveway past the two car garage. There’s a small island with some shrubbery and a nice sized porch on the front of the house that I can utilize as my usual relaxing area for a cig or even just relaxing outside for the fresh air.

All in all I would personally LOVE to own the home, it’s everything I’ve ever wanted in a home and even exceeds my expectations of everything.  Unfortunately it’s just not within our grasp right now as we’re already $30k in debt, we need to get another $10k on top of that to get the closing costs, PLUS we would need a co-signer to even get the loan.  The next few months (if this house is even still on the market) will require us to work our asses off to bring as much money in as possible to get our debts paid down. I look at it this way.  If the house is still available when we actually are able to do this, it was meant to be.  If not? It was something to walk into where we would know what our expectations are, and where we know we wish to be.

I guess, at this point, the future will tell.

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A new kind of market…

Friday, September 23rd, 2011

Sean and I have been in Delaware for almost a week now, over the course of the past week we’ve realized how carefree and relaxing it is down here, even though we’ve been working the entire time. (The joy of being a designer… you can work anywhere).  We’ve weighed our pros and cons and realized that living in an apartment in NY would not permit us to build up a savings account, where as purchasing a home in DE would.  How did we figure this? Simple math really.

In order for us to have an apartment in NY (even in Suffolk County – eastern end of Long Island), we would need $1,800 a month before utilities. In order for us to purchase a home in DE, with the mortgage and utilities, it would only come to about $1,200.  The kicker would be that we would also be asking for a mortgage $20,000 above the cost of the home. Why? Because that’s how all of our credit card and loan debts would be paid off. Our outgoing bills would still be approximately $1,800 a month, but now instead of paying credit cards and a personal loan, we’d be paying a mortgage, utilities and the remainder of my auto loan on the truck.  PLUS, being as it’s only the two of us the food bill would drop down, the insurance rates would also drop down.  So while we’d be spending exactly what we’re shelling out now, we’d have more leway with the money and less stresses for the environment being as we’ll OWN the environment and can pretty much do whatever we please.

The help in all of this is the current rush of work coming through, we’re going to assess things and see if they’re still like this six months down the road, if we can maintain our current income (by either staying where we are, or increasing it) we’ll be able to own a home sometime within the next year which then gives us the ability to really start out our lives together.

I’ve taken a few drives through the southern section of DE because I really do love the communities and areas around there.  I also took a drive with Sean’s mom to do a little house hunting as well.  We’ve found two really nice homes in one community off of Route-9 in Lewes, DE. I honestly believe this is the area that I’d like to live in because of the dynamic and the fact that there was plenty of room for Bella to run around in the yard, and the home itself is 1600 sq. ft. which to me is perfect for two people and a 15lb animal.  It’s 3 bedrooms, 2 bath, there’s a 3-season porch which would essentially be my office space, and we’d keep the third bedroom as a guestroom for anyone who comes by.  The home itself is very reasonably priced, there’s a community pool and a rather large pond surrounding one section of the complex that, to me, would mean a lot of excess bugs – but the screened in porch would counteract the problem.  My only gripe about the home itself is the lack of outdoor patio area, but that can easily be accomplished with the permit to attach one to the home.

Either way we’re only looking into things, this isn’t the only home I’m even considering but the community itself has caught my eye, and its distance from the beach helps me gravitate towards it even more.  I think there’s a mortgage in my near future…heh.

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