Finally, today was the day....

Discussion in 'Random Ramblings' started by quadcam79, Nov 21, 2007.

  1. quadcam79

    quadcam79 Chillin' With My Peeps

    Oct 28, 2007
    Fernandina Beach Fl.
    today was a great day, my fiance and i have a contract on a house on an acre in a semi rural area and we have been dealing with appraisals, inspections, paperwork, deposits..etc ect.. but still weren't 100% finally approved for the mortgage. The broker would say "nothing back around 4pm" then it was "nothing yet, should know something tomorrow..." day after day.

    We scheduled closing for the 30th of this month and since we didn't have a final approval everything was in limbo as far as packing and preparing for a move, the time kept growing shorter and shorter...and we were totally stressed out.

    The sellers had a contract on a house in another state contingent on the sale of this one , plus they had already had 1/2 of their house packed up ready to go...

    finally today my fiance calls me at works and says "BABY!!!!!!!!!!! WE GOT THE HOUSE!!!!!!!" [​IMG][​IMG]

    it's nothing fancy, matter of fact it's a 1998 singlewide MH. but it's in excellent condition, all new everything and immaculate inside. But, the mortgage payment wont be real high ($800/mo) , the insurance and taxes are low, it's sitting on a great property on a dead end paved road, the whole acre is chain linked and gated, it's within 1/2 mile of the river and boat launch where you can get onto the atlantic, intracoastal or any one of dozens of creeks.

    so next week we can move out of this ghetto neighborhood and out to the peace and quiet where i can let my daughter outside to play in the yard without fear of her getting shot or kidnapped, we can work on getting our chickens and pigs
    and work on being as self sufficient as possible meaning building solar water heater, installing solar panels, wind generators, starting an aquaponics system etc ect...

    Ok i'm finished ranting now, i'm just so relieved..if you're one of those people who never thought you could get a house of your own and then you actually did, you understand how I feel [​IMG]
  2. tx_dane_mom

    tx_dane_mom Chillin' With My Peeps

    Sep 23, 2007
    SE Texas
    Congratulations! I am so happy for you and I don't even know you [​IMG] I can tell your relief by the way you wrote it all out [​IMG] That's so cool that you are wanting to do everything solar.
    Best of luck to you all!
  3. jackiedon

    jackiedon Chillin' With My Peeps

    Jun 4, 2007
    Central Arkansas
    Congratulations!!! There is nothing better than being able to have your own place.

  4. arlee453

    arlee453 Chillin' With My Peeps

    Aug 13, 2007
    near Charlotte NC
    Ah, when you said mobile home, that made sense with the mortgage. It's really hard to find mortgages on those, even with great credit they are considered 'sub prime' loans and a lot of banks won't touch em with a 100 foot pole.

    There's a funny (well, sort of funny) story about the bank I work for - they got into the mobile home lending business back in the late 80s. Then the early 90s downturn came and people were forclosing right and left on those homes. The bank repossessed so many of them that they had to rent a huge field to park them in - it was a horrible loss for the company. Ever since, our bank won't touch those loans.

    Anyway, I'm glad you finally got your loan going and you will be moving! The land sounds great, and if you ever decide you need more house, you can always build!

    Congrats!! Nothing like having your own piece of dirt to call home!
  5. quadcam79

    quadcam79 Chillin' With My Peeps

    Oct 28, 2007
    Fernandina Beach Fl.
    yeh ,well my fiance just finished nursing school a few months ago and got her LPN, so she just started her job, combine that with low credit scores and trying to finance a can see how we would be stressed.

    only one company will do loans on singlewide MH's now...Countrywide, and they take their sweet time with the processing

    Wells Fargo stepped out of doing singles about 3 weeks ago.
  6. Enchanted Sunrise Farms

    Enchanted Sunrise Farms Overrun With Chickens

    Apr 26, 2007
    Fair Oaks, California
    $800 a month? You're not in Los Angeles, are you? [​IMG]

    Congratulations on owning your own piece of planet earth. i was 45 before i owned my own home. i guess i was always afraid i couldn't afford it, which was probably true. There is nothing as wonderful as knowing your home and all the land around it is yours.

    Sounds like you have some great ideas to turn your new home into quite an incredible place to live.

    Pictures! We want pictures!
  7. Standard Hen

    Standard Hen Chillin' With My Peeps

    May 17, 2007
    Congratulations quadcam and I wish you the best. The most wonderful thing of all of it is "I can let me my daughter out in the yard to play without fear". It will be worth all the sweat and money! You have alot to be thankful for this Thanksgiving Day.
  8. CarriBrown

    CarriBrown Overrun With Chickens Premium Member

    Quote:No kidding. I could rent a bedroom in my house for that much! [​IMG]

    Congrats on your new home! It's so exciting getting your first house... decorating, making it your own. You're going to love it!
  9. SpottedCrow

    SpottedCrow Flock Goddess

  10. HenHaven

    HenHaven Chillin' With My Peeps

    Mar 3, 2007
    Coarsegold, CA
    Congratulations! What a wonderful adventure you have in front of you! Anyone who has gone through the sale or purchase of a house can empathize with the stress involved. The only time in my LIFE that I had a beer at 9 o'clock in the morning was when we had escrow closing on this house.

    Enjoy your new place--a whole different lifestyle awaits you! [​IMG]

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