Garage SOLD
Wednesday, April 25, 2007
Now that we are less a month away from closing our house and with Spring's warmer breezes, garage sales are a-mushroomin'! Time to skimp! We always joke around about eating just twice a day, not going on vacations and wearing "bahag" all because we now have to pay for mortgage. As much as it sucks not to have all the money in the world, it actually has helped us discipline ourselves from buying into ANY trend. Because we don't have any money, it's easy for us to look past the wants and stick with the needs. We rarely buy regular price and we hardly purchase anything on impulse. Tahnee told me about this placed called Thriftworld and I really ought to check it out. I love bargain shopping!
HUGE SEGUE dontchootink? Back to the program.
We have been garage sale hopping for the past 2 weekends. So far, we have been very happy with our purchases because most of it has been for the house. We have bought a water fountain, a wall clock, a scanner, a jar of river stones, a boardgame, a bag and several other stuff. Last Sunday was crazy because we went to not one, but THREE garage sales. The second one we went to was from a posh neighborhood so most of the stuff on display were high end. There we met a woman who gave us her card for us to check out her puppies. Sooo cute! It was a surprise weekend for us, one we truly enjoyed. We're not stopping the hopping anytime soon so I hope we bring enough cash every weekend. Who knows? We just might see more garage sales at the side of the road.
Say, "Cheese!!"
Friday, April 20, 2007
The last time we had dinner at Panera with the lovely Tahnee, she told us (in jest), "Guys, you didn't have to pick this place. You could've picked The Cheesecake Factory or something...!" So last Monday, guess where we had dinner.
......
Brilliant! Here we are, after having finished really sumptuous meals. Never mind our end-of-day tired faces. After the Virginia Tech massacre that happened that day, we needed a more-pleasure-than-business dinner.
Lend(er) us a hand
Yesterday, Joen and I met up with Tahnee Markussen of First National Bank. We met her at the free home buyer's seminar and we immediately liked her. She was this sweet but thorough mortgage loan representative who gave us personal attention even then. Last night, we had a light dinner at Panera and she was able to give us a good faith estimate very comparable to Randy's. Joen asked Randy if he could come up with a rate to compare with Tahnee and he did. So Joen went to his office where Randy just handed him a piece of paper and walked right back to his office. Tahnee gave us her BEST faith estimate just earlier today and right away, we wanted to lock it in. We feel very comfortable with her because she really takes the time to explain each and every detail and is never in a rush to get things going.
Now that we've chosen the lender, it's one task down. We're assured Tahnee would be very helpful even after this deal is over. She's just that kind of loan officer-- you know, who goes that extra mile.
Black Saturday Offer
Saturday, April 7, 2007
And the sellers accepted our offer! HOLY SHEIK! I guess that house will be ours within the next month. We may not be in a rush to move in but at least we have MORE than ample time to move our stuff. And given that the house is 15 minutes from the apartment, having non-rush trips is what's best for us. When Joen got the news first from Nancy that they homeowners had accepted our offer, I guess that's when it really occurred to him that we are THIS close to getting what we've been wanting. When he opened the bedroom door and told me about it while lying beside me in bed, I knew this "FEELING" of owning an actual house will not sink in soon. After all, we were vying for July and it's still April. We ended up laughing and giggling as if to think, "Ok, NOW what do we do? Do we really what to do or what to expect?" Somehow, we both found it extremely funny realizing just how ignorant we were at owning and investing on the most important property we own. Hihihi.
Here it is. But before I sing "Our house... in the middle of the street", we have to realize that it ain't over 'til all the signatures are over.
Crossing fingers, toes and eyes!!
Friday, April 6, 2007
At 4:20 pm today, Joen and I met with Nancy to go over the numbers if we were to make an offer to that house we were really interested in. Turns out, we were able to work out a number that might be 3 grand more than their advertised value but we would end up savings a lot of money. We actuall spent a good 3 hours just going over everything. We didn't want to leave the room with more questions in our head and Nancy made sure we had a thorough understanding of the terminologies.
What was important to us was knowing how much our out-of-pocket expense would be, even if it all becomes a wash in the end. Since Joen and I are very price-sensitive, we have to get ourselves ready for any and all expenses leading to the closing. Imagine this, Nancy is giving the sellers 'til noon tomorrow (April 7th, twelve o'clock pm) to go YEY or NAY. If they accept our offer, we could be moving in to the house as soon as next month! If they counter our offer, then more negotiations would have to be made. If somebody else makes an offer, then that would be just plain *BLEEP*. Hehe. So let's wait how it goes tomorrow. We're praying they accept our offer so that we can already focus on closing the deal.
Crossing fingers, toes and eyes!!!