Brooks803
Member
We FINALLY closed on our first house! :biggrin:
It's been almost 5+ months of HELL to get it done! We bought it as a short sale so we knew it would take some time to get it done, but at the end we hit a roadblock that would (and still might) lead to legal action.
To get this house our bank was pretty easy to work with and we got our loan approval quick and easy. However, with the homeowner's bank'S we had our issues. There were 2 banks that had to be worked with PLUS probate court because the homeowners mother name was on the mortage and had passed away last Oct.
The first bank (who was the primary loan against the house) we did our back and forth offer thing and we ACCEPTED their offer. Signed the papers....they came back and said "Ya know what...we don't feel like handling a short sale. You need to deal with bank #2. No contract."
This was AFTER accepting the offer. Oh, and this was back in (I think) late May/early June.
So on to bank #2 who had a smaller secondary loan against the house. They were great to work with. It just took extra time to get everything in motion again. We were trying to get into the house BEFORE the baby was born (we'll get to that part later). We had to wait for the property to be surveyed, ect, ect, ect. So now it's Mid July.
We now have a closing date...Aug 10th! The day our daughter was born We said bring the papers to the damn hospital.
Well...that's when one lil off handed comment set this whole thing to hell quickly
OUR bank denied/delayed the loan bc of my wife being on maternity leave!!!!!!!! Which is HIGHLY illegal for which they've been sued several times and lost several times. Our loan officer was talking to the person in charge of the final numbers approval and made the comment "this is great, now they can get in the house right as the baby is born." to which the numbers person said "Wait what? She's not working and on maternity leave???? I can't approve this..."
So least to say, we had to wait until my wife was cleared by her doctor to go back to work and actually went back to work before they would finalize the approval. We closed this past Friday. We took possession yesterday (had to give a couple days for the occupants to clear our their last items) and my dad and I painted the nursery yesterday. We've got some cleaning to do before the actual "move in" Friday but it's done. A touch bittersweet, but done. We now own our first house!
Sucks for me though bc I can't do any of the moving due to my back surgery
Enough of the doom and gloom story. On to the house!
3br 2.5ba with bonus room above the garage which will be our office space. 3.5 acres with a small barn and existing fencing for Shea's horses. Only 1 other visible house nearby. NOTHING across the way but a great view! 2 car garage which will become my workshop :biggrin:. There's not much landscaping yet, but we'll fix that come this spring. So here's a few pics. These were taken back in June so they're a little dated, lol
Here's the lil barn and what's across the street (NOTHING!) Oh, and the 1 neighbor:
Front of the house (I'm standing at the barn):
Backside of the house. Nice fenced in area for our little dogs so we won't have to worry about them:
Once we get the inside cleaned up and decorated I'll snap some pics and post them.
It's been almost 5+ months of HELL to get it done! We bought it as a short sale so we knew it would take some time to get it done, but at the end we hit a roadblock that would (and still might) lead to legal action.
To get this house our bank was pretty easy to work with and we got our loan approval quick and easy. However, with the homeowner's bank'S we had our issues. There were 2 banks that had to be worked with PLUS probate court because the homeowners mother name was on the mortage and had passed away last Oct.
The first bank (who was the primary loan against the house) we did our back and forth offer thing and we ACCEPTED their offer. Signed the papers....they came back and said "Ya know what...we don't feel like handling a short sale. You need to deal with bank #2. No contract."
This was AFTER accepting the offer. Oh, and this was back in (I think) late May/early June.So on to bank #2 who had a smaller secondary loan against the house. They were great to work with. It just took extra time to get everything in motion again. We were trying to get into the house BEFORE the baby was born (we'll get to that part later). We had to wait for the property to be surveyed, ect, ect, ect. So now it's Mid July.
We now have a closing date...Aug 10th! The day our daughter was born
We said bring the papers to the damn hospital.Well...that's when one lil off handed comment set this whole thing to hell quickly
OUR bank denied/delayed the loan bc of my wife being on maternity leave!!!!!!!! Which is HIGHLY illegal for which they've been sued several times and lost several times. Our loan officer was talking to the person in charge of the final numbers approval and made the comment "this is great, now they can get in the house right as the baby is born." to which the numbers person said "Wait what? She's not working and on maternity leave???? I can't approve this..."
So least to say, we had to wait until my wife was cleared by her doctor to go back to work and actually went back to work before they would finalize the approval. We closed this past Friday. We took possession yesterday (had to give a couple days for the occupants to clear our their last items) and my dad and I painted the nursery yesterday. We've got some cleaning to do before the actual "move in" Friday but it's done. A touch bittersweet, but done. We now own our first house!
Sucks for me though bc I can't do any of the moving due to my back surgery
Enough of the doom and gloom story. On to the house!
3br 2.5ba with bonus room above the garage which will be our office space. 3.5 acres with a small barn and existing fencing for Shea's horses. Only 1 other visible house nearby. NOTHING across the way but a great view! 2 car garage which will become my workshop :biggrin:. There's not much landscaping yet, but we'll fix that come this spring. So here's a few pics. These were taken back in June so they're a little dated, lol
Here's the lil barn and what's across the street (NOTHING!) Oh, and the 1 neighbor:
Front of the house (I'm standing at the barn):
Backside of the house. Nice fenced in area for our little dogs so we won't have to worry about them:
Once we get the inside cleaned up and decorated I'll snap some pics and post them.
