Category Archives: home buying

Breathing a New Life

It’s been seven days since I’ve put an offer on a house. Luckily I’ve worked in the mortgage industry, and recently sold a house, so nothing was a shock when I went through the inspection process. In fact, it all made complete sense to me. I expected a few small challenges, and oh, there were some. We’re still working through them. I don’t have a scheduled closing date yet, but I know it’s right around the corner.

Now the seller was a little more than shocked. She’s been living in the same house for the past 25 years. She wasn’t prepared for the roller coaster ride like I was. My life has been nothing but a series of ups and downs the past two years, so this is just a another few pages in a very long chapter to me.

Today was a productive day. I got an oil change for my car, got my taxes done, and did a little furniture shopping. I’m in full force moving prep mode. As soon as I get that closing date scheduled, I’m going to get everything lined up — new carpet, new furniture, calling all utility companies, and get movers scheduled.

I’m feeling good about this place in my life right now. When I was getting my taxes done, the tax lady was asking me the tax standard questions. I explained to her that I’m divorced and the agreement for claiming dependents was that I claim one child and my ex claims the other. She continued to do her job, but she was visibly bothered by the “D” word. A little bit further into the tax prep, she asks more questions, where she comes to the realization that I’m newly divorced. I say yes, it was last year.  Her face looked sad and hopeless for me. I simply responded that everything is good. With concerned eyes, she asked me if he hurt me.

That was a very real and loaded question that I was not expecting. I just smiled at her and said “no, not physically.” She asked if it was all better now. Ha! Two loaded questions in a row… it took me a a few seconds to respond as it was occurring to me that the tax lady was caring about a little more than just the taxes. I said “yes, things are working out well.”

And things are working out well. Maybe not as quickly as I’d like, but I’m sure there’s a reason for that.

I look back to when I was moving all of my crap out of my old house, and all I wanted was out. All I wanted was a new start. My new start has taken so long, but it has been a necessary healing process. There is no beginning or end. It’s been a process. No one tells you that about life. There are all of these expectations about starting and ending. But the in between is where you get stuff done. The in between is what makes or breaks you. The in between is the challenge that transforms you to get to the end. And the end is just a new start, not a true end.

What a damn game of figuring shit out this has all been. Realizing that I can’t have everything I want NOW because other things about to happen first for good reasons – to grow my mindset, to develop my patience, to adjust my perspective, to transform me into someone I could never be without the challenge – has been one of the greatest lessons.

And now I all I see around me in others are many people in a pre-now-me state. I want to help them, but I can’t. It has to be done on your own. Like breathing.

Stifle Me Not

One step backward, a giant leap forward – FINALLY!

After my disappointing real estate loss last weekend, I reconsidered another house I had seen.

I thought about how I initially liked that first house. It was practical and fairly updated. In fact, if I hadn’t seen the next one, I probably would’ve put an offer on it. It was smaller, but manageable. The driveway was flat, so no hill for the kids to worry about when playing basketball or challenges when clearing snow. It had vaulted ceilings, so even though it was smaller, it was more open. It has a few cosmetic fixes, but overall it had good bones. And it had the main features I wanted in a house: Attached garage, deck,  3 bedrooms,  2 1/2 baths, lots of storage space, and first floor laundry. And a manageable yard. By Wednesday I was convinced that if I didn’t go back to look at it, I might regret it and it’d be gone by the next weekend. So on Thursday I asked my realtor if I could see it again, and I brought in the wolf pack – my family.

I took my kids and my parents. When we walked in, and I felt like I unleashed the wolf pack to sniff the territory and report back. They did just that, and I watched every reaction I could. I knew deep down this was a good house. I just needed some reassurance after doubting myself for so many years.

Then we stood in the kitchen and made an offer plan together. I wasn’t in this alone like I was on the last house. I felt very sure of this move. We left and went to dinner. By the time I got home, I signed all of the purchase agreement documents and I sat and waited. It was about 8:30 PM and I had no idea if I’d ever sleep that night. A little after 9 PM, the seller came back with a small counter offer, and it made sense. I accepted.

And just like that, I bought a house.

I have been living with my parents for a year and a half. I almost never thought this day would come. Not only is it a great house, but it is in the same school district, so my daughter will not have to change schools. And my son will start elementary school in the fall in a school district that I know and love. I will be 5 minutes from my dad and my brother. I am 5 minutes from the grocery store. My work is about 25 minutes away. This is all new and exciting, yet I have a my comfort zone not too far away.

Throughout the night of excitement of buying a house, my stepmom asked about several items that were left in the house – shelves, tools, some small furniture items, a trash can, etc. The realtor said that it will all go. But after checking with the seller, it turns out that she is out of state and she intended to leave all of these useful items behind to the buyer. Me.

While many people may not need things like tools, or shelves… I was elated. I am starting from scratch. When I move, I have to buy new furniture – I don’t have a good couch or even beds, and many other items that I can’t even think of right now. I have a small storage unit that has been full for over a year, and once that is unloaded, that is all that I have.

That night I went to bed in awe, with a smile on my face, and a warm heart. Things that are meant to be are easy. This house was easy to get because it made more sense for me. The other house I thought I wanted would’ve been too much work for me to take care of. Things are working out in certain ways for a reason. I’m trying to trust the process.

Tomorrow is the home inspection. And after that I wait for my closing date to be scheduled.

The possibilities are endless and I cannot wait to get started on this new journey.

Stifle Me Not

 

Moving Forward… Stalled

Argh. I’m trying to initiate some life changes and it’s not working. Try, try again.

Before I talk about that, let me first stay that my Crush Attack from my previous post has been my own personal roller coaster ride that has gone something like this:

He’s cute. I wonder if he likes me. I bet he thinks I’m cute. He’s never been married. He doesn’t have kids. He must be immature. He sucks. I’m stupid for even thinking about him like that. We work together. He called me today and sounded cute. Maybe we’ll live together some day. How stupid is that? I wonder if he’s selfish? Maybe he’s actually a nice guy? I wonder if his family is nice. This is never gonna work.

Am I 15 again or what?

Jeezuz, make the thoughts just stop. This has been going on for a month now and I haven’t seen him since the company Christmas party. How stupid.

Anyhow, onto other life developments… I put an offer on a house today. There was another offer. I lost. I countered. I lost that one too.

Frustration at its finest.

This house was great. It was move-in ready. I am move-in ready. We’d go great together.

My real estate agent sucks. I know this. I went to see 4 houses with him today and I wanted to ditch him at each one. He is not the proactive variety and he moves at the pace of a snail. The offer process on this house went something like this:

Initial Offer

Him: The original offer was a “strong” offer. Let’s offer $XX, which amounted to $100 over asking.

Me: No, let’s offer at least $1,000 to $2,000 over asking.

Him (after submitting offer): They took the other offer.

Me thinking: No shit.

Counter Offer

Me: I’ll go up $4,000 plus pay half of the closing costs.

Him: Okay

Him (after submitting offer): It’s not high enough. Do you want to go up by $5K more?

Me: NO!

_______________

Then he came back and wanted to know if I wanted to put an offer on a previous house that I looked at earlier in the day. I told him to get me the one I wanted.

No, he’s not getting guaranteed commission today by defaulting me to second best. He failed. I need a new realtor. I’ve had him since September and not once has he proactively sent me any properties. He’ll send me properties after I’ve sent him some that I like. Then he’ll say “what about this one too?”

Bare minimum effort. I’m done with that.

If something falls through with this house that I put an offer on, I’ll have to use him if I want it.

Otherwise, I need to think through my next move. The current state of my real estate situation is not working. I am not doing this.

Stifle Me Not

Settle Me Not

My home-buying search has begun.

I forgot how frustrating home-buying can be.

There’s all of the “what-ifs” and “what about this…” or “that”… it’s a game of speculation and daydreaming and giving yourself regular reality checks. I love it and hate it all at the same time. I’m limited to a set amount I can spend. Sure, I can spend more, but then have I learned anything in the past 20 years since I’ve reached adulthood?

No.

And if you don’t learn your damn life lessons, then where does that leave you?

Yep, sure as shit, back at the beginning of the damn lesson. Karma 101.

I’m not sure that my realtor is doing a damn thing. If I send him a property, he’ll act on it and get me in to see it, but it appears he’s not watching the market for me. Maybe he is and the market sucks. It’s hard to tell. Plus it’s fall, so the housing market, well, sucks for buyers. I do what I can to be proactive, but I have this thing called a job that I go to everyday and its sucking the damn life out of  me. Then I have my kids in the evening, and well that’s a whole other form of life-sucking. One kid (the 4 year old) is up my butt half the time – to the point where I’m tripping over him – and the other kid (the 10-year old) hides in her room of filth and I have to pry her out to eat dinner and make sure she’s not turning into a screen time zombie.

I need a house so I can be comfortable in my life again. I’m so sick of being a guest of unwelcome messiness in my dad’s house. But at the same time, the freedom of not having a mortgage is pretty great. Although, I’m strapping myself with continuing to save for my down payment. I just want the cycle to end where I can be in a little budget and live.

I love the crazy self-talk you go through when you start shopping for a house. I saw 3 houses on my first searching day. I crazily thought that it was possible for one of them to be “the one”. Then I anxiously went to see the fourth one. It was nice and I still didn’t like it. That’s when I realized I have more an idea of what I want than I realize. The fifth house was in scary shape. The sixth house was also very nice, but it wasn’t me, and it was too much space to take care of. Yep, six houses, with half of them being pretty nice, and none of them pleased me. I’m going to be a hard one to impress.

But that little nagging voice inside keeps saying “don’t settle. Don’t Settle. DON’T SETTLE!!!!”

I won’t settle for a house I don’t love. And I won’t settle for a man who doesn’t love me.

Not that man-hunting has even been occurring. I peek out from behind the sidelines. I have no desire (other than an occasional side glance out the car window) to do any form of dating. At least with home buying its all about me and my family’s needs. Dating sounds like some kind of journey to another foreign land to me right now.

So I’m going to get some rest and spend another few weeks being hopeful with the housing market. Not sure that I can pull off a house by Christmas, but that’s the hope.

I’ll just keep on going. Not settling sounds like a good goal to have. It’s not like I’ve been overly picky my whole life.

Stifle Me Not