Lessons in Buying a House: The Process Continues . . .

houseAcquiring a house takes up a lot of energy–mental energy that is.  There are emotional highs when you find a place that you really like, lows when barriers get in the way, and there’s lots of waiting, which gives you time to think even m0re, which can be almost all-consuming.

This coming week will be a big one I think.  We’ve agreed on a price and most everything else.  If the offer comes back signed from the sellers, then the finance company must give their first OK and let me know all the details of my closing costs and what my monthly payment will be.  The sellers also have to get the utilities turned back on, so I can get the inspector. They had someone in the house when I first looked at it, but they moved out and now the utilities are off.  The inspection is one of the biggies.  To the inexperienced eye, there doesn’t look to be many problems, but that is why you have an inspector check it all out.  Then if there are no major problems with the inspection, and I still want the house, there will have to be an appraisal done to ascertain if the place is worth what the finance company will be loaning me.  Also, the sellers don’t have a survey, so that will have to be done.  Finally, I have to get hazard insurance (home owners insurance) as the finance company requires that you pay for a year of insurance in advance.  That’s four fairly good chunks of money to pay.  Fortunately, the second one won’t have to be done and paid unless the first works out OK, and, of course, the third and fourth won’t need to be done unless the first two work out.

I hope it all works out.  I think the house makes “a good fit” for me.  It has all the main features that I was looking for: nice, but not too big outdoor space, a big, very usable kitchen, and a shower in the master bath.  Even though it’s located out just a bit further than I would have liked, I’m hoping the drive won’t be too bad, and the neighborhood has a nice feel to it.  It’s also close to stores and necessities: a Walgreen’s, a dry cleaners, and a vet, just up the street, barely a quarter mile away, and two of my other favorite destinations, Barnes and Noble and Petsmart are just a mile down the road.  I went to check out the Barnes and Noble yesterday, and, yes, it’s definitely out in suburbia: they have row after row of books relating to religion and tons of educational materials that make it look like there must be a lot of home schooling going on out there, but they have only two shelves of gay and lesbian books.  Oh, well, I’m sure that they can order anything I might want.

I guess now I’ll have to pay less attention to “House Hunters” and “My First Place” on HGTV and take a better look at the decorating shows.  In fact, I’ve already found several paint companies’ sites where you can play around with different paint colors in various rooms.  The master in this house feels like someone loved pumpkin pie; that’s the first one that is going to have to be changed.  Oh, well, that can happen after all the papers have been signed and I actually have the keys in my hand.

So if anyone who reads my blog has wondered what has happened to me, all I can say is this house-buying process is such a big thing that it outweighs almost everything else right at the moment.  I just haven’t had the energy to care much to write about politics, history, or even the weather.  I know that all that will come back, and there will be many other things about which to give my two cents.

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