Tag: home buying

This disaster I call buying a house

I just have to share with you my journey through this-mostly because I want one of you to please comment and tell me that you had such a miserable experience as well, so I don’t feel like the universe is stacked against me and everything happens to me.

Several months ago, back in February, when we found out Little Mister would be joining us, we decided it was past time to upgrade to a larger house. When my husband and I got together, he already owned the current house we live in- it was perfect for what he needed at the time, but the moment I moved in with 3 kids, it immediately became too small. We now have 5 children with another on the way. Our house is 2 bedrooms and a bonus bedroom in the attic- which you have to walk through the master bedroom to get to. Not to mention, the second bedroom is barely big enough for an office/ guest room. At one point, before Ms. Mae joined us, we had all 4 girls in the one room in bunk beds, and the room barely fit one set of bunk beds and a dresser. The attic was a play room, and we had the master bedroom. Our current set up is Ms. Mae, Hubs, and I share the attic (which means stairs between my 9 month pregnant body and the bathroom every night), and all 4 older girls share the master. They have two sets of bunk beds, an entertainment center, and their toys are stored in the closet. The second bedroom has been converted to one big walk in closet / dressing room for all 7 of us- it is working, but definitely not comfortable. Everything is crowded and cluttered, and with another babe on the way- it just wasn’t going to work.

So back to this spring- after we found out Little Mister was one the way, we started going through the process of finding a lender and prequalifying so we knew where we stand- and that’s when the fun begins! After finding a lender, the house hunting began. I started off excited and optimistic and having fun! Every house you can imagine what you would do with it, where everything would go, whose room it would be, what furniture you would need!

So we found the perfect house- I mean perfect. This house was not only under budget, it was beautiful and old, and had all the classic tile and hardwood and wood accents of a house built over 100 years ago *swoon*. Plus, it had 8 bedrooms- that’s right, there was enough room for the kids each to have their own, a play room, a study room, everything. There was even a sunroom where I could put book shelves and my chair and yarn for reading and crocheting. Mama was in 7th heaven. We immediately put an offer in- and after waiting over a week, they turned it down. No bargaining, no negotiation, nothing- they turned down our loan type. They would not accept anything but a conventional (which meant we’d have to come up with an additional $15,000 for a down payment) or cash offer. As you can imagine I was devastated.

We looked online for a while but were very discouraged. The size house we need for a family of 8 just wasn’t in our price range. Then, by some miracle, our realtor found the perfect house- it wasn’t listed online yet because the seller was in the middle of switching agencies. This house seemed to fall into our laps, and be the “sign” that we needed. We even had our preapproval raised so could put an offer in on this house. 5 bedrooms, with an in-law suite we would convert into a master bedroom (and again a sitting room for my reading and crocheting!) Yard large enough for the kids to play in, separate laundry on the top floor so they could do their own! Oh- did I mention the hot tub?!

Another offer nightmare. We offered what our realtor suggested was fair, and after a week (we gave them 48 hours to respond) of both their agent and them ignoring our inquiries they just said no. After mulling it over a couple weeks, Hubs and I said this was the house we really liked, and offered more. Same thing- no communication for over their deadline to answer and again said no (no counteroffer or negotiation- just no). We decided to offer one more time- with the contingencies of cleaning the carpet and installing a few hand rails (the hand rails would be required by our lender- we previously were going to just install them ourselves), and not only did they take forever to answer- they were straight RUDE. Stating they weren’t running a charity here. Seriously?! I was so upset we just walked and gave them the finger.

But at this point it was June. And I am starting to doubt we will be able to make it into a house before Little Mister made his debut- after which I will be taking an unpaid maternity leave- difficult time to get a lender to approve a loan- when you have no income. Did I mention we have no where to put him if he came before?!

So I am getting hormonal and emotional- when we agree to look at 3 more houses- I told Hubs if we didn’t find it we were going to have to just stop because we wouldn’t have time to close before LM came. One of the houses only had a single picture online but we liked the neighborhood so we agreed to see it. And the heavens opened and angels sang. We saw the outside and the living areas and I said – oh man I hope it has enough bedrooms- but then there were only 3. I said “I don’t care, I like it enough to sleep on the deck.” Then we opened the basement and I swear I heard “ahhhhhhhh” (in my angel voice)- full finished basement with its own bathroom and garage access- perfect for a master bedroom! This was it!! We finally found something! Now just to rush and get an offer in before this baby comes.

The seller took a week and a half to respond- I guess he works for the railroad and the wife was then out of town for a week. But everything worked out and we had an accepted offer! Our prayers have been answered! Now we just need to get the bank stuff done and hope that Little Mister doesn’t come early because our proposed closing date is less than 2 weeks before his due date.

We thought that all the nightmare part was over and it was just a waiting game- NOPE. One problem after another with the lender. Problems with paperwork- ok fixed that. Then my VA certificate of eligibility came back that I’m not eligible- so now I’m fighting trying to figure that out. Meanwhile, our loan officer called yesterday and said the appraisal was done, but they need an entire wall of the basement to be re-sheet rocked with fire retardant sheetrock (to resist fire for 2 hours!), as well as both garage stall ceilings need to be done- as well as other minor repairs (hand rails, safety installed on automatic garage doors)- and to top it all off- we’re currently not eligible because Hubs is (falsely) coming up of the federal loan default list. Will it ever end?? Am I not meant to get into a house?? Our closing date is next week, and Little Mister is due the 16th– someone please rescue me?!?!

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