Friday Letters

Dear Friday: work was blah and long but I rushed home after work to get to our house! Dear house: we have owned you for 24 hours and I am so over the moon happy! Shea and I just stood there and looked at the house and walked around it was amazing! Such a great feeling! Dear Paul: than you so much for your sweet gift of hand painted wine glass and a bottle of wine to congratulate us on the house I was so excited to receive my first gift! Dear Chelsea: I love you sister and I am so happy you were the first one to come to our house and enjoy it, we have nothing there and the boys were tossing around a paper towel roll like a football but it was amazing :) great Friday in awhile! And thank you so much for the bottle of wine and card :) Dear Shea: your birthday is tomorrow and I can't wait to celebrate another birthday with you! I love you so much :)

Happy Friday!!

Homeowners

We are FINALLY homeowners!! I don't even know what to say! It was a crazy day filled with emotions! I just still can't believe it that it finally happened and the house is finally ours! Now let the fun begin :)

Car Accident

Sooo apparently I was bored last week and had nothing to do, so I decided to rear end someone. That's seriously how I feel.

It was my first car accident and I was literally shaking and terrified as it happened. To make it worse my boss and co-worker were in the car! Great impression Katy! Raise for you!

It was minor though, in my insurance companies' eyes its $2,000 worth of minor damage. Eeeekk!! I'm just so glad I had insurance and only have to pay my deductible. I couldn't afford much more with a house a wedding these days.

And my insurance company has been awesome! I have progressive and they seriously have made this process a lot less stressful.

Timeline:

9:30am accident 

10:30 make claim online

11:15 call from progressive (go over accident, damage, and if I want to get it fixed. Then made an appointment to get a rental car and drop off my car at 4:15pm that same day)

4:00 get to progressive and go in

4:10 dropped off my car and driving away in my Nissan sentra rental

So easy an painless! That happened all Thursday. Got a call from them Monday with the estimate for damage and checking up if I am enjoying my rental.

How I company should act in my book! Even if I am the one that caused the accident they have never made me feel bad or stupid. All the things I was feeling.

Now we will have to think twice about switching to another auto provider after we close. But I am just counting the days until I get my car back! I miss it!

Happy Tuesday!

Leins on houses

Soooooo we didn't close today and Monday is a holiday and the seller found a stash of mortgages against the house... So were stuck. Now we are just waiting to clear all the non sense up and it's ours. I am trying to stay calm, I wasn't exactly the nicest person today in emails because I was getting frustrated. But wouldn't you be annoyed when the seller has had the last 45 days to clear all this up and day 45 they find out an issue??! Annoying but I am moving on and looking at furniture. 

I want a chair in the living room that I will call the "statement chair". My other couches will be grey so the statement chair needs to be a patterned color to POP and bring the whole room together.

Right now I am loving these chairs. Because I'm not thinking about Leins on houses I'm thinking chairs :) happy Friday!

Not closing....yet

So after the longest annoying day going back and forth with the mortgage company... I thought yesterday sucked but today topped the cake. There was a system error on PNC bank's side and it showed up on Shea's bank statement and it couldn't be explained and we couldn't explain it. We finally got it cleared up and at 4:18pm we finally found out we were cleared to close!!!! So yay's and smiles happened and I was all excited! I left work early and walked to my car and got a call from the mortgage company saying congrats and I continued walking an then called the real estate agent to follow up about tomorrow and the wall thru tonight. Well that conversation didn't go as well and I learned that we couldn't close tomorrow because the attorneys don't have enough time to prepare. I was so mad! Furious actually. After all that hard work and we couldn't even close tomorrow :( a lost weekend and will not consist of me being mad an angry that I'm not sitting on the floor of my house. But what can you do. Just have to go with the flow and look forward to next week when we will finally be homeowners! So it might be Tuesday because Monday is a holiday. (Didn't I say don't buy a house around a holiday!!?? How about 2 holidays??!!) 

But let's hope I can get my mind off my anger and relax on the last weekend we have money :)

Happy Friday!!

Almost closing!

We find out tomorrow morning if we are closing Friday!! After a long work day and back and forth with the mortgage company I am beat! I am so over this whole process and just want to be cleared to close now! After all our hard wrk ad stress of getting everything to the underwriter I am going to be mad if we don't close Friday. I should start drafting my angry letter to my mortgage company on how I am not recommending anyone to them and I am telling people not to buy a house or pay in cash! Mortgage companies are the worst!

Crossing fingers we close in less than 48 hours!! Happy Wednesday :)

One week left

We are less than a week away from closing! I can't believe how quickly these last 45 days have gone! It was extremely stressful! Seriously I tell anyone to buy a house with cash and not get a mortgage. Not that we had any chance of doing that, but I have never been asked for so many ridiculous information and paper work ugh! It was annoying but I think we are done sending in documents and now it's just having the underwriter do their thing. Appraisal was done last week, we agreed on things the seller would give us in light of the inspection (which included termite treatment for the house and a credit to fix the electrical) and now we are just waiting on everyone else. We have done our part so lets close and finally say we are homeowners :)

Have a great weekend!

An Angel

I seriously am convinced with have an angel watching over us these days. Someone up above making sure everything goes to plan and helping us along the way. With Shea's father and grandfather passing away 5 years ago, I know that they have been watching over us. Helping us along because they are not here to help and provide guidance. This whole home process has gone way to smoothly and I truly feel it was because of them.

I have never gone into detail of how we got the house so here it goes:

Back in the end of August I was at a photo shoot for a huge project I was working on at work. It was a 3 day long photoshoot with 5am call times and not ending till 6pm. I was mentally and physically exhausted. I was on day 2 of the photoshoot and found out we would be ending early and we didn't have to stay at the hotel that night. I was happy to go home and sleep in my own bed and see Shea.

I got a text from our realtor at around 5pm that the house we loved so much had an offer on it, and the offer was being presented the next day at 12pm. So, if we wanted to make an offer this was the time and we needed to move fast. I was FREAKING out. Literally upset, scared, and feeling sick to my stomach. I texted Shea and said OMG what are we going to do!! Now we have to make an offer and I am not emotionally ready to make one. Shea of course the "calm-downer" of katy said take a breather and we will figure it out when you get home tonight.

I finally left the shoot at 6:30pm and got home around 8pm. Shea was waiting at my house where we talked about the whole thing. It also happen to be our fanstasy football draft that night. So, as we are drafting our players we are on the phone with the realtor figuring out what to offer. (probably why my team sucks so much this year) After we got off the phone with him and the draft ended we talked it over with my parents and finally came to a decision on an offer. The whole issue was that our realtor didn't support our offer and they thought we were to low and with another offer on the table we needed to be prepared to not get the house with what we were submitting. The had every right to be scared, we were offering 30,000 under asking price. But, with the work needed on the house we knew we need to stand firm. (at least that night we did)

So, we went to sleep all crazed and scared not knowing what was going to happen. The next morning I went to th photoshoot again to coordinate the packing up of the product. Our realtor sent us the offer letter and we both signed it digitally. Me with my computer on my lap on a lounge chair telling people move that over there and e-signing a document. I then rushed back to my car put my computer away and helped pack the rest. Twenty minutes before the truck was coming to pick up the merchandised it started pouring..i mean POURING... like cats and dogs! I have never been so soaked in my life from a rian storm. I finally left the shoot, but not before my boss boss looked at me and said I should go home and change before going back to the office. Then, she corrected and said work from home, you deserve it. I had every intention of going back to the office, but by a miracle she said go and work from home.

I drove home soaked from head to toe and walked into the door when my dad saw me. (see my parents were on vacation for 2 weeks! Another MIRACLE!!) My mom and dad saw me and my dad said let me make you a sandwich you look like you had a long day so far. (sweetest dad ever!) I ate the sandwich and talked about my hell of a morning when I got a phone call. It was my realtor and his boss calling in, after many attempts later we finally got Shea on the phone as well. (he was at work) They told us that the other offer was a lot higher than ours but that the seller was giving us another chance to make a counter offer.

Now, we knew for sure that meant the other buyer was not a solid buyer. (which we found out later was true) Why else would they give us another chance after we low-balled the hell out of them!? So, this made us a little happy but then stressed about going above our intial offer. After talks with the parents many phone calls with our mortgage guy and back and forth between Shea and I we finally decided to offer 13,000 under asking price. It was a lot more then our first offer but it was what felt still comfortable at and we really loved the house.

We called back our realtor and told him the offer and then there was silence for like 5 hours! Longest 5 hours of my life! I sat on the couch and tried to work but was mostly distracted by my mind. I went to go get food with my brother and came back to eat it at home. We were all sitting around the table ready to eat (my mom, dad, and brother.. my only regret during this process is that Shea wasn't there :( but what can you do!) I took one bite of food and the phone rang again. It was our realtor and his boss again with more news. We got a hold of Shea and put him on speaker...

Our realtor's boss: "so we have good news and bad news, which do you want first...?"
Me: "I guess I will take the bad news....."
Our realtor's boss: "The bad news is we couldn't call you earlier to tell you the GOOD NEWS!! You got the house!!"
Me: ((MOUTH WIDE OPEN AND ALMOST FAINTING!!))

I literally could have fallen to the floor, thankfully I was in the seated position. After that i couldn't eat anymore, my appetite disappeared and craziness started! We could not believe it!

So, that is the long story of how we got the house, and almost 45 days later we are closing in 9 days... WHAT!!??

But, the reason I started this, is that everything fell into place perfectly! My parents were home to help, I got to work from home the first time EVER in my year of working there, and we got the house. Perfect perfection it was.

Earlier today we couldn't find Shea's 2011 W2 and we were freaking out! Our annoying mortgage guy (who I want to yell at so badly!!) told us the day before everything is sent to the underwriter that we are missing documents so we go crazy looking for them, and when all hope was almost lost Shea grabbed a paper that had fallen behind his computer and there GLOWING was the w2! I have never been so happy to see a piece of paper!

But, just another miracle on the long list! We have some amazing people looking out for us! And we truly miss them dearly. :)