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Ugh... buying a house isn't fun anymore. Where are the days of being able to get financed for a house that I couldn't afford in my wildest dreams? OH YEAH. Thanks idiots.
Anyway, I'm really nervous about this house. I have a feeling we won't be getting it. I feel the offer is low, apparently the house's price supposedly reflects the condition of the house right now. It's so nice, but I already feel like I've gotten my hopes up too much thinking about this place. Christ, I mean... I don't care if you think your house is worth 150K because it USED to be worth that, or because houses AROUND it are worth that... The house is nice, and certainly could be worth more than they are asking, but, it's got MAJOR issues. I'm talking major. Water in the basement, septic system issues, the garage is shot, basement is a wreck (from the water and soot), chimney issues, cracking and possibly sinking foundation in the front of the house, two giant trees that have to be taken down and removed because they have fallen... Not to mention there isn't central air, and the carpet is covered in stains and needs to be stretched, IF not removed... The rest is aesthetic stuff, kitchen needs to be updated, the stove looks original 1950s (it's in pretty nice shape, but seriously old), cabinets are kinda "eh" looking, all the bedrooms have hidious childrens colors and wallpaper borders that need to be taken down, all the windows need to be replaced because they aren't the updated energy savers. There's also a possibility that the above ground pool which is pretty big is "bad", or that the pump is bad, or pipes are bad, and if THAT needs to be removed, that's going to cost a couple grand...
I want this place. I could really make it my own, but my parents are helping me with the initial down payment and are asking me to get financed for a certain amount of money so that my offer remains between certain dollar amounts... but I'm thinking I might need to exceed that by like 5k. 5k is a lot for me. I've been a student for 19 years now. No real jobs, not since high school summer jobs where I worked 40 hours a week... just the stipend pay for graduate studies. I don't make A LOT, but I can live on it just fine... but how can I start my life when all the banks distrust every body? Think that everyone is getting in over their head, trying to secure money where it doesn't belong... All I want is a chance - the other house I own (still isn't sold) has a perfect track record of mortgage payments and everything, I mean, I understand I'm risky owning two homes because of the cost but, damn, look at all the people who DIDN'T deserve a chance to own the homes they owned, and now those homes are foreclosures... and then there's me, who CAN afford these houses, and I may not get a chance.
Wait, I'm not even worried about the financing. I'm worried about the owners rejecting my offer. I'm scared, literally I just want to cry. I want to CRY! Over a house. I cried over leaving my last house. I don't know why but owning a home is my #1 priority in life. It makes me feel so secure when living in my OWN place... I can't explain it really, but I NEED to be living in a place I own. GRRRRRR This sucks. This SUCKS!
I will probably workout tonight to help take my mind off the house situation. Man, to win the lottery and be able to just buy that house and not worry about it. Maybe I should go get a ticket.
Diet Calendar Entries for 24 May 2010:
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1509 kcal
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Fat: 32.53g | Prot: 82.47g | Carb: 231.41g.
Breakfast: Activia Light Raspberry, Special K Protein Shake - Milk Chocolate. Lunch: Healthy Choice Country BReaded Chicken. Dinner: Drumstick Li'l Drums Cookie Dough Snack Size Cone, Shrimp, Country Crock Light, Minced Garlic, Princella Sweet Potatoes. Snacks/Other: Strawberries, Motts Plus Fiber, Super Whey Protein Shot, Fiber One Oats and Chocolate. more...
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2953 kcal
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Activities & Exercise:
Wii Active 30 Day Challenge - 1 hour and 11 minutes, Sitting - 5 hours, Driving - 15 minutes, Desk Work - 4 hours and 15 minutes, BMR - 13 hours and 19 minutes. more...
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 Comments
hey, L - I'd seriously think about getting a good inspection. I'm not trying to deter you...but....foundation problems are a HUGE issue. So is water in the basement. I know you want to live in your own home, I get that, really. But this is a BUYER'S market and you can afford to be picky! Just think about it. You're talking about A LOT of money in repairs and updates - and that's coming from someone that's done a lot of home repairs, remodels, etc. (we don't pay someone to do something if we think we can handle it! ) Just talking out of a growing care, love and concern for you. You'll do what you do, just thought I'd throw that in there. : )
24 May 10 by member: redwinelover
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Oh don't worry D, we're having an inspector come out to check it out, as well as a general contractor. Our offer is only valid based on our acceptance of the inspection, so we're safe there. But, I actually think the water in the basement is related to the chimney issues, because there is soot everywhere, and we saw no cracks. Anyway, the inspector will actually be able to tell me... and of course, I don't think I'm going to be wanting to buy a house that's going to cost me 100K to fix up, lol! But thanks for watchin out for me! :D *hugs*
25 May 10 by member: SturgeonQueen
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Well, yeah, of course you'd have an inspection : ) .... Don't know what I was thinking there. duh...Hope I didn't overstep my bounds throwing in my two cents there : ) ___________________________________ Years and years ago, in fact, I was pregnant with Michael at the time, we started looking at homes. We were living in WA state at the time and there was this old farmhouse at the top of a hill with a bit of acreage. For whatever reason, I've never been able to get that house out of my mind. I don't remember a lot of details now - more of how the kitchen window looked out over some of the property, the old wood floors, the very steep dirt drive to the property. A huge old tree in the yard. Sort of idyllic in its own way - a bit storybook. The place probably needed a lot of repairs, and the kitchen really needed a makeover. I think there was old linoleum in places, too. But something about that bright, sunny kitchen with the window...I felt like it should have been our home. We'd only been married a short time at that point and I wasn't working (and STILL don't!)and we weren't really in the market to buy a home, anyway. Probably looking around because I was pregnant and feeling like building a nest : ) When I reflect on that, I still get the feeling we should have owned that place and I don't know why. __________________________Anyway, all that to say - go after your dream, girl! I hope the inspector is both excellent at his job and that he tells you the foundation issues are minor, AND the chimney is the problem with the water in the basement and is a not-too-costly repair. Good luck! Thanks for not taking offense - I posted AFTER two glasses of wine, lol!
25 May 10 by member: redwinelover
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good luck! try not to stress. i seriously feel like if it was meant to be...it will. xoxo
25 May 10 by member: jentig
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