So there's only 4 days until closing. I think I'm going to use today to make a couple lists, what I need and what I want.
Need:
New Locks
Refrigerator
Bed
Dresser for The Boy
Desk for The Boy
Desk for me
Want:
New Dishes
Washer and Dryer
Freezer
Mini Fridge
Roomba
That's all I can think of, but I'm sure I'll grow this list over time.
Monday, April 23, 2012
Friday, April 20, 2012
Home Improvements anyone?
Haven't even closed on the house and already thinking about home improvement. What I want to do is build a paver patio behind the sun porch. I've been doing some research and found that it takes a lot of sand to do what I want. I think the project would be a lot of work, but I also think it could be a great addition to the house. As it stands now, there really isn't a good place for my grill.
It looks like I'd need to put a base of at least 4 inches of compacted sand below the pavers, and then fill in the cracks between the pavers with polymeric gelling sand. It would cost a couple hundred dollars to do, I could possibly even substitute gravel for the sand if it were cheaper.
It looks like I'd need to put a base of at least 4 inches of compacted sand below the pavers, and then fill in the cracks between the pavers with polymeric gelling sand. It would cost a couple hundred dollars to do, I could possibly even substitute gravel for the sand if it were cheaper.
Friday Update
Everything is moving along with the closing, so far I've dealt with everything I need.
I got utilities scheduled to be in my name the day after closing (as is required).
Finally have all the insurance stuff dealt with, which is a relief.
Other than that, there's not a whole lot to update on. I'm excited and nervous about closing.
There will be a lot of stuff I have to do after closing, I still need to contact an exterminator which I think I'll do today.
I got utilities scheduled to be in my name the day after closing (as is required).
Finally have all the insurance stuff dealt with, which is a relief.
Other than that, there's not a whole lot to update on. I'm excited and nervous about closing.
There will be a lot of stuff I have to do after closing, I still need to contact an exterminator which I think I'll do today.
Thursday, April 19, 2012
An update of sorts
Just thought I'd drop in and give an update on some stuff since it's been a while since I've posted. First, things seem to be going along swimmingly. The closing is scheduled to happen at 11am on the 30th. Insurance is dealt with, which is a relief.
The bank that's doing the mortgage has this thing they're doing which requires me to have a checking, savings, and credit card. What's cool is the credit card is a rewards card, where the rewards points go toward the principal on my mortgage. I don't have all the details, like how much each point gets me or whatever. But each dollar I spend earns me a point, unless it is on home improvement stuff (I'd assume that means purchases at Lowe's or Home Depot) I get two points.
Just got off the phone with the water company, scheduled switchover date to the day after closing.
Setup gas service online as well for the same day.
And now power is setup too. I hope that is all.
The bank that's doing the mortgage has this thing they're doing which requires me to have a checking, savings, and credit card. What's cool is the credit card is a rewards card, where the rewards points go toward the principal on my mortgage. I don't have all the details, like how much each point gets me or whatever. But each dollar I spend earns me a point, unless it is on home improvement stuff (I'd assume that means purchases at Lowe's or Home Depot) I get two points.
Just got off the phone with the water company, scheduled switchover date to the day after closing.
Setup gas service online as well for the same day.
And now power is setup too. I hope that is all.
Friday, April 13, 2012
Stupid State Farm!
So, I'm back on the insurance issue again. Days after telling the agent I wanted to get insurance, they finally got back to me telling me they can't help me because I don't know the age of the roof and other systems! I gave them a second chance after having bad experience with them once before, but they've totally screwed me. I've contacted Nationwide now, and at the very least they'll be able to hook me with the FAIR plan.
The agent I spoke to seems to be confident that I'll be able to get a nationwide plan though, which means less money out of my pocket. I just wish the agent had said something sooner. I'm pretty sure that I even said something about the other insurers to State Farm, but oh well, screw them!
Update: After looking back, it took the State Farm agent 4 working days to even get back to me when I first requested we write the policy. I know for a fact that the age of the house was discussed, but also pretty sure that it was stated up front that I had no idea how old the major systems in the house are.
Needless to say, I wrote a scathing review of the agent on their google places page; quoted below:
I was severely disappointed with the service I got from this agent. I am purchasing a new house and this was the only insurer that I contacted that knew the age of the house and gave me a quote knowing I didn't have any information on the age of the systems within it. After agreeing to the quote I was told (after hearing nothing for 4 days) that they needed to know the age of the internal systems, and without that information they wouldn't be able to write me a policy. It blows me away that they knowingly wrote me a quote for insurance that they knew they wouldn't be able to write.
The agent I spoke to seems to be confident that I'll be able to get a nationwide plan though, which means less money out of my pocket. I just wish the agent had said something sooner. I'm pretty sure that I even said something about the other insurers to State Farm, but oh well, screw them!
Update: After looking back, it took the State Farm agent 4 working days to even get back to me when I first requested we write the policy. I know for a fact that the age of the house was discussed, but also pretty sure that it was stated up front that I had no idea how old the major systems in the house are.
Needless to say, I wrote a scathing review of the agent on their google places page; quoted below:
I was severely disappointed with the service I got from this agent. I am purchasing a new house and this was the only insurer that I contacted that knew the age of the house and gave me a quote knowing I didn't have any information on the age of the systems within it. After agreeing to the quote I was told (after hearing nothing for 4 days) that they needed to know the age of the internal systems, and without that information they wouldn't be able to write me a policy. It blows me away that they knowingly wrote me a quote for insurance that they knew they wouldn't be able to write.
Friday Update
The closing date has been moved to the 30th, which gives me more time to move, so it's a good thing
The appraisal is in and all is good there.
I'm not going to focus so much on my credit scores now, just gonna post if they change.
All the overtime I worked for this paycheck has put me well over the amount estimated for closing, so I might actually have a little cash to buy some of the needed stuff when we move.
I still didn't do a monthly overview of my spending, but I think I'm going to just not do that for the next month or two as I've been focusing on not spending money, so I think I don't have to worry too much.
The appraisal is in and all is good there.
I'm not going to focus so much on my credit scores now, just gonna post if they change.
All the overtime I worked for this paycheck has put me well over the amount estimated for closing, so I might actually have a little cash to buy some of the needed stuff when we move.
I still didn't do a monthly overview of my spending, but I think I'm going to just not do that for the next month or two as I've been focusing on not spending money, so I think I don't have to worry too much.
Monday, April 9, 2012
Oopsie! Update time.
So it's Monday, and I didn't get a chance to give you guys an update on Friday. Here comes one!
It looks like my lender is trying to move the closing date up to April 30th, according to her, it'll save me money, although I think it's more about their quotas and such.
I was asked for more documentation from the underwriter on the mortgage, and I was able to supply that yesterday.
My Credit Sesame has gone up to 771!
But my Credit Karma score is still at 766.
Not exactly sure how I came up with all those numbers last week, but I'm still looking good for the money for closing and down payment.
It appears I totally dropped the ball on my monthly overview of spending, I'll try to get that done tomorrow. Work has been very busy (and I've been working a ton of overtime to get more money) so I haven't had as much time to write as normal.
It looks like my lender is trying to move the closing date up to April 30th, according to her, it'll save me money, although I think it's more about their quotas and such.
I was asked for more documentation from the underwriter on the mortgage, and I was able to supply that yesterday.
My Credit Sesame has gone up to 771!
But my Credit Karma score is still at 766.
Not exactly sure how I came up with all those numbers last week, but I'm still looking good for the money for closing and down payment.
It appears I totally dropped the ball on my monthly overview of spending, I'll try to get that done tomorrow. Work has been very busy (and I've been working a ton of overtime to get more money) so I haven't had as much time to write as normal.
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