OT Finally! Actively house shopping

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As most of you may grok based on my posting history, the house I live in ha
s been going all to heckies for better than a decade.

I have finally gotten my family to agree that we must move.  What is more I
 have convinced them at long last that it will be more economically sensibl
e to buy.
Between medical bills (paid!), general expenses, and the fact that I have b
een unable to do much paid work for the past 5 years it will be tough.  We  
found a grant we are eligible for that will contribute to the down payment,
 and we qualify for a program at the bank, so it will be doable.  Stupid me
dical bills were actually a saving grace.  We pay for what we buy up front  
almost all the time, and do not take loans or own credit cards.  So we do n
ot have a credit history except for those medical bills.  Being fiscally re
sponsible has its downsides.

Now we just have to find the right house at the right price.

4 bedrooms, not in a city or village, and at least an acre of land.  Lord k
nows I would like a bit more land, but much more than around 5 acres would  
probably be to big a tax burden.  Of course everybody else has their wishes
,  I have been trying to get across the difference between what you want an
d what you need.  For example I want the laundry hookups to be either in a  
laundry room or in the basement, at least not in the bathroom.  I don't nee
d that, it would just be more convenient.
  
Poor kiri does not know what to think.  I was looking at online listings wi
th the help of google earth and she discovered that there are houses where  
the mailbox is a five or ten minute walk from the front door.  She seems to
 have had no idea that such a thing was possible.
Poor woman thought living in a city of less than 40K people was country liv
ing. LOL!  She grew up and lived in Columbus Ohio, which is a very differen
t sort of place, until she came to us.
I am just done with living in town.  Given the choice I would take us back  
up the hill to where DH's people are from.  Unfortunately that would put us
 in Pennsylvania.  Now there is nothing wrong with Pennsylvania except that
 services for the disabled are poorly provided in rural areas, and we have  
Ash to think about.  He is going to be 18 next month and in NY that gives h
im 3 more years of public school, plus we have a center that caters to the  
needs of the developmentally disabled in this county, so this county is whe
re our search focus is going to be.  
Besides, if we stay in NY DD3 can finish her college degree at a better sch
ool, and I can get those pesky 3 classes I need to finish mine, all for fre
e. Yeah, I did the drop out cause I got pregnant thing THREE times.  After  
DD3 I figured I had best wait a while to go back because college seemed to  
be a fertility charm.
Now I don't have to worry about it. :D

NightMist

Re: OT Finally! Actively house shopping


"Night Mist"  wrote in message  

Dear Night, sure hope you will be able to get things just the way you want  
them to be!   Or at least the way that will be acceptable!  The best of  
luck!
Barbara in SC  


Re: OT Finally! Actively house shopping
Oh, Nightmist, I hope you have great luck in finding what will fit your lif
e! I have usually done a list of "these things I will not budge on", then a
 list of "these things are negotiable", and a third list of "just do not wa
nt these things". And then realize it is all negotiable ;))

Keep your sanity and peaceful feelings during it all, and please keep us up
dated!

Ginger in CA
[real email is snipped-for-privacy@msn.com]


On Saturday, June 10, 2017 at 9:12:12 AM UTC-7, Night Mist wrote:
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has been going all to heckies for better than a decade.
Quoted text here. Click to load it
 I have convinced them at long last that it will be more economically sensi
ble to buy.

Re: OT Finally! Actively house shopping
Hello Night Mist,
      This move sounds like it is well thought out.  What you want and don'
t want.  There are always things I had to put up with that seems to go with
 every house.  If you get 95% even it would be great. Having an acre sounds
 wonderful, so hope you can put in a nice garden. Good luck on your house h
unting.
                              Sandy$  

Re: OT Finally! Actively house shopping

After scouring the listings and contemplating and discarding a number of foreclosures, we are going out to look at a house.
Those foreclosures are tempting, but after viewing the specs, it seems that there is always a potentially (or genuinely) catastrophic problem with them.

The place we are going to look at is practically perfect on paper.  So now we have to go look and see what is actually wrong with it that you don't see looking at the outside.  Outside it has a couple of things wrong that are actually pretty minor.

I had looked at the listing, considered and discarded this place previously.  It was too good to be true and the taxes listed were low enough I thought it had to be wrong.
Come to find out it is an irregular lot and most of the land is not even cleared. With only two acres roadside, the taxes are legitimately quite low.
Still, a 4 bedroom house with a four horse stable, on 23 acres, 20 minutes out of town, with low taxes, and less than $10k over the list price range we were looking at, there has to be something wrong with it.
DH says that maybe the universe has just decided to be kind to us.

We shall see.

NightMist

PS  the laundry hookups are in the bathroom

Re: OT Finally! Actively house shopping
oooh, keeping fingers and toes crossed that this is right for you!
New moon fortunes?

Ginger in CA
[email to respond is snipped-for-privacy@msn.com]


On Tuesday, June 20, 2017 at 6:10:00 AM UTC-7, Night Mist wrote:
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Re: OT Finally! Actively house shopping
On Tuesday, June 20, 2017 at 10:32:35 AM UTC-4, snipped-for-privacy@gmail.com wrote:
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Well that was disappointing.

I had a tape measure with me and the listing flat out lied about room dimen
sions and total floor space.

The downstairs is OK, though the "Laminate wood flooring"  turned out to be
 that thin self adhesive stuff you use to do a quick repair on cheap furnit
ure.  The bathroom is absolutely wonderful though.

The upstairs was an architectural nightmare.

At a guess?  One of the owners who were a senior married couple (from publi
shed tax roles) became ill.  We speculated this by the smell of the place.  
 One of their children and their family moved back in to help out.  We conj
ecture this by the description of an equestrian business that was running o
ut of that address.  We are guessing that this is when the stable was built
 and a couple of modifications done.  One of those modifications was turnin
g the upstairs into three bedrooms, in part by moving the stairs.  To call  
the bedrooms cramped would be being generous.  You literally could not fit  
a twin bed into one of them.  They wallpapered the ceilings, and it it is f
alling off in a couple of spots.  We think that originally the stairs had a
 landing and a turn, now they are a steep and narrow single flight with odd
 spacing, like who was meant to climb up and down them had legs that were n
ot quite human normal.  In changing the stairs they stranded the attic door
  mid wall about 4 feet away from the floor. Which is a pity because it is  
naught but a good big unfinished room at one end of the second floor.  Why  
they didn't just put in some insulation, lay some flooring over the slab wo
od, and smack up some sheet rock is beyond me.  I risked life and limb to g
et in to take a look and the room is even wired.  Why go to considerably mo
re work and expense to make a mess of the whole second floor when finishing
 one room would have done the job admirably?
DH suggested we lowball the place and see if they take it.  My thought on t
hat was well OK, but if they do take it where are we going to live while we
 fix it up enough that everyone has a place for their bed?

NightMist  
still looking

Re: OT Finally! Actively house shopping
Well, the search for the right-for-us property is always a challenge.
Don't get too stressed out by it all. Deep breaths!

From experience I can say that living in a house while remodeling it at the
 same time is not very fun.

Ginger in CA
[email is snipped-for-privacy@msn.com]  

On Friday, June 23, 2017 at 10:45:08 AM UTC-7, Night Mist wrote:
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ensions and total floor space.
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be that thin self adhesive stuff you use to do a quick repair on cheap furn
iture.  The bathroom is absolutely wonderful though.
Quoted text here. Click to load it
lished tax roles) became ill.  We speculated this by the smell of the place
.  One of their children and their family moved back in to help out.  We co
njecture this by the description of an equestrian business that was running
 out of that address.  We are guessing that this is when the stable was bui
lt and a couple of modifications done.  One of those modifications was turn
ing the upstairs into three bedrooms, in part by moving the stairs.  To cal
l the bedrooms cramped would be being generous.  You literally could not fi
t a twin bed into one of them.  They wallpapered the ceilings, and it it is
 falling off in a couple of spots.  We think that originally the stairs had
 a landing and a turn, now they are a steep and narrow single flight with o
dd spacing, like who was meant to climb up and down them had legs that were
 not quite human normal.  In changing the stairs they stranded the attic do
or  mid wall about 4 feet away from the floor. Which is a pity because it i
s naught but a good big unfinished room at one end of the second floor.  Wh
y they didn't just put in some insulation, lay some flooring over the slab  
wood, and smack up some sheet rock is beyond me.  I risked life and limb to
 get in to take a look and the room is even wired.  Why go to considerably  
more work and expense to make a mess of the whole second floor when finishi
ng one room would have done the job admirably?
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 that was well OK, but if they do take it where are we going to live while  
we fix it up enough that everyone has a place for their bed?
Quoted text here. Click to load it


Re: OT Finally! Actively house shopping
Well then, after looking at some horror shows, some foreclosures, and findi
ng that there was darn little that came close to our requirements out of to
wn, we huddled, decided, and made an offer on that first place we looked at
.  The one with the mangled second floor.  We are not wild about essential  
remodeling on a house we are living in, but it is structurally sound, dry,  
well insulated, and 23 acres.  Thus several steps above anything else we ha
ve seen.  Plus the mold issue in our current bathroom is making me sicker e
ver day and the DDs are totally freaking out about it.  

So we offered, they didn't even counter, just said too low, we offered agai
n, they came down $5K, my middle DD said offer $2K more and I will make up  
the difference. So we did that.  They said we need at least $3K more, and I
 drew the line.  We kept looking.  3 weeks along now and they called back a
nd said OK we will take your offer.

So, earnest money has been given over, and the fussing about with papers an
d bankers and inspections and all commences.  We are expected to finalize a
round the end of October.

DD3 says she is never doing this again _ever_.  Unless the publishers Clear
ing house people come a knocking and hand her a check for a bajillion dolla
rs and she is able to buy total awesomeness without fretting and fussing.  
I told her heck with that, if we suddenly and unexpectedly become rich, we  
will buy a piece of land and build a castle on top of The Hive (the Raccoon
 City Facility from Resident Evil movies and games).  Or maybe just build T
he Hive and stick an old trailer on top.  You only pay taxes on what they c
an see from the road after all.

NightMist


Re: OT Finally! Actively house shopping
Yeah!
Can you send me your address for a little giftee to head your way for the n
ew house?

Use snipped-for-privacy@msn.com for email
Ginger in CA

On Thursday, August 24, 2017 at 8:37:34 AM UTC-7, Night Mist wrote:
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ding that there was darn little that came close to our requirements out of  
town, we huddled, decided, and made an offer on that first place we looked  
at.  The one with the mangled second floor.  We are not wild about essentia
l remodeling on a house we are living in, but it is structurally sound, dry
, well insulated, and 23 acres.  Thus several steps above anything else we  
have seen.  Plus the mold issue in our current bathroom is making me sicker
 ever day and the DDs are totally freaking out about it.  
Quoted text here. Click to load it
ain, they came down $5K, my middle DD said offer $2K more and I will make u
p the difference. So we did that.  They said we need at least $3K more, and
 I drew the line.  We kept looking.  3 weeks along now and they called back
 and said OK we will take your offer.
Quoted text here. Click to load it
and bankers and inspections and all commences.  We are expected to finalize
 around the end of October.
Quoted text here. Click to load it
aring house people come a knocking and hand her a check for a bajillion dol
lars and she is able to buy total awesomeness without fretting and fussing.
  I told her heck with that, if we suddenly and unexpectedly become rich, w
e will buy a piece of land and build a castle on top of The Hive (the Racco
on City Facility from Resident Evil movies and games).  Or maybe just build
 The Hive and stick an old trailer on top.  You only pay taxes on what they
 can see from the road after all.
Quoted text here. Click to load it


Re: OT Finally! Actively house shopping

Well the assessment has been done, we've gotten the report, and in a number
 of ways it is a hoot! :D  

The best example is she keeps referencing the place as "in the extremely ru
ral township of".
OK, so it is 20 minutes to the nearest Starbucks via the expressway, but it
 is only 20 minutes and the on ramp is less than a mile from the house. Dri
ving the regular roads it is less than 10 miles to town, and that is passin
g through one of the larger villages on the way.  I don't imagine that she  
counts that the biggest organic herb farm in the county is an easy walk in  
one direction, and the biggest organic fruit farm is a slightly longer walk
 in the other.  
I think the cats subtly exerted telepathic influence towards our decision b
ecause it is so close to their dealer.  They really really enjoy the organi
c catnip from the herb farm.  
Anyway, 10 miles from town is so _not_ extremely rural!  
Lady is from Buffalo, so maybe the cows next door influenced her notion of  
rural.

Oh, and I spied a couple of alpacas in a field on the way out there.  Gonna
 have to track down who owns them and find out if they are a hobby or part  
of a commercial enterprise.

NightMist
dazzled by the prospect of locally sourced alpaca


Re: OT Finally! Actively house shopping
On Saturday, June 10, 2017 at 12:12:12 PM UTC-4, Night Mist wrote:
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has been going all to heckies for better than a decade.
Quoted text here. Click to load it
 I have convinced them at long last that it will be more economically sensi
ble to buy.


We are progressing!

Since we did not have credit cards or loans or any such long term debt, we  
had no credit rating.
Therefor the bank has had to go seriously old school in writing this mortga
ge.
This has resulted in mass confusion among the underwriters for the last cou
ple of months.
You would not believe how many times I have had to say, "Check the papers,  
you already have that." because they are dealing with a whole bunch of pdfs
 of scanned documentation.  I had coffee with the vice president of our bra
nch when he had to scan in around half a ream of papers we brought in for h
im.  Then eventually he had to drive down to Pennsylvania to have words wit
h the supervisor in charge to get them on track and to quit asking for thin
gs they would know they could not have if they had gone through the files a
s they were supposed to.  We went through three different household members
 on the mortgage because they kept making assumptions without looking at th
e paperwork.  They said put the person with the largest income on, we did t
hat.    
Then they had to take her off because she had no credit rating and was not  
on any of the bills.  Then they wanted me on, because I am telephone woman  
and they talked to me the most.  Then they discovered I was one bill shy of
 the number they wanted.  Finally we got DH on it because he has that extra
 bill (because gas company policy was outdated and they wouldn't put it in  
my name without DH's "permission", and we couldn't get both of us there at  
the same time because somebody had to watch the kids.  Yes that _still_ bur
ns my butt!)

We have finally got everything situated to the mortgage underwriters satisf
action.  Now we are waiting for that last letter that means the lawyers run
 with it for a bit (title search and all that), and then set the closing da
te.  
Our consumer contact guy keeps saying how "unique"  this mortgage is to wri
te.  I keep telling him, not unique, retro.  This is how it was done 20-30  
years ago, before it was considered "normal" to live with crazy amounts of  
debt.  Maybe I am weird, but I really really hate debt of any kind, and wor
k intently to pay off any that I fall into as quick as I can.

Yeah, I am having to adjust to the idea of having a couple three decades of
 debt.  Buying a house is not something you can do out of pocket though, un
less you are really really rich or have some pretty unusual circumstances g
oing on.  I just keep reminding myself of all the money we will actually sa
ve, and the freedom we will have to do what we want with the place.
The fact that we will be warm and dry this winter, and can make sure we sta
y that way every winter hence forward, also helps a lot with my attitude ad
justment.

NightMist

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