Moms Of Faith

Posts Tagged ‘home buying

I have so many things to be thankful for this week, that I’m not sure where to begin.  Yesterday was my fabulous Hubby’s 26th birthday, the house went into escrow (I think), KG and I have had a phenomenal time at Vacation Bible School, OutRigger Island, a Christ-filled Youth group, and all the leaders at Providence that make so many of our programs possible.  I am always a little sad to see VBS come to an end and this year is no different. I will however have the majority of my VBS class on Sunday mornings.  It’s always such a blessing to see KG be blessed by her teachers and for myself to be blessed by these awesome kiddos.  I usually teach younger kids for VBS (but not KG’s class) and this year was the first I decided to take on the 5th & 6th Grade.  This is the age group Hubby and I teach for Sunday School so it seemed like it the natural choice for me.  I am so glad I did!  We have had SO much fun this year and the kids are at just the right age to be asking good, thoughtful, searching questions!  All of the kids in my class this year were already Christians, in fact, to of them were in my VBS class last year and got save then so it was nice to see them again this year.  Their being Christians already seemed to direct our class into more participation and study.  We have played so many fun games this week including a Aloha Potato Sack Race, the Human Pretzel, and a three legged race…Wait until they see what I have for them this evening.  I am so very grateful to the parents who bring their kids and the people who volunteer to drive the church van…without active people like these we wouldn’t even be able to have a VBS.

That’s me on the far right.

What are you most Thankful for this Thursday?  Head over to Sting my Heart and check out more reasons to be Thankful!

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I absolutely LOVE holiday weekends…that is until Monday morning when I wake up to an early morning doctor’s appointment for KG and a house that appears to have been turned upside down and shaken.  Sigh.  It’s after noon now and to be honest all I have managed to accomplish today has been the doctor’s appointment and some minor business call and some work on the computer.  KG is at my Aunt’s again to swim and KJ is in bed napping.  As this will be her only true nap for the day, I am taking advantage of it and get all the computing done now.

We managed to get the house inspected, kinda, have a yard sale, go to the play ground, teach Sunday School, visit with family, go grocery shopping, do a mystery shop, and we managed to find the time to sit down and watch two movies just me and hubby.  However, we did NOT find time to clean up.  I cannot even begin to discribe to you what our home looks like right now.  Oh my.  I would be embarrassed to allow anyone to come over with it looking the way it does.  My aunt will be bringing Kyla home later, so it will have to be picked up soon..and I have to walk up to the realtor’s office to day to give her the “Good Faith Deposit.”

We picked up a couple of new surge protectors to use in the new place.  We want to be able to just hit a couple of buttons and all of our electronics and appliance will shut down immediately.  We’re lazy and we just want to be able to do it as quickly and efficiently as possible. We have also purchased a water filtration system to put under the sink so we don’t have to keep using just our pitcher.  I know it sounds like a lot of purchases already, but everything we have bought was on clearance and will be money-saving in the long run.  I don’t think we have spent over $10 on anything…so I feel like we’re doing okay so far.  I know we also really needed those things to help us be more energy conscious.

At the yard sale on Saturday, it rained on us, it was overcast and gloomy all day, we didn’t have much traffic…but I still managed to make $75 and acquire some great items for the new house.  I got the cutest toilet paper shelf for FREE, a shelf for the utility room and a tea maker for $2.00, and a shelf for KJ’s room for FREE also!  Aside from the money and goodies, I had a great time hanging out with my dad, ex-stepmother, and aunt for 8 hours.  It was a lot of fun!  My aunt and I always manage to have a good time together…we’re a lot alike I think.  She has always been like a mother to me, since I was small…She is like a grandmother to my girls.  We’re goofy. All of us.  All of our combined left over “stuff” was taken directly to our local Goodwill and donated that day.

What did you all do this weekend?  Did you have a yard sale or a cookout?  Did you travel or stay close to home?

Today we went into the realtor’s office to sign the updated offer contract so it can be sent to our mortage company.  While we were there one of the “head” realtors advised us that the underwriters at our mortage company may have a problem with a furniture allowance and may want to see that money go into paying the closing instead.  This will cause a HUGE problem for us!  We simply cannot afford to pay for the new appliances ourselves without any monitary assistance.  However, I am just not going to worry about it….God will take care of it and our family.

I took my grandmother for the grand tour of the house today…and she was really pleased with us.  This was important, you see, because if Mommaw ain’t happy…Ain’t nobody happy.  The yard needs A LOT of work, but it’s nothing a couple of young, able bodied people can’t take care of.  We are actually looking forward to getting out there and working on our OWN yard, so this will be a welcome change.  I also saw today that there is an apple tree in the back yard and this makes me even happier since we eat lots of apples in this family.

That’s about all we’ve gotten accomplished today, tomorrow Hubby will start an inspection of the house and the ball can really get rolling.

Stay Tuned…

We countered late last night with an offer of 500 less and 500 on appliances.  However, even if they come back and don’t take anything off or give us the appliances, we are still going to buy the house.  We love this house and a matter of $1000 isn’t going to be enough to turn us away…of course, we are also terribly desperate. Our family has graciuosly offered to help us buy the appliances…and there is a great “scratch and dent” place not far from here that has brand new GE appliances that have some scratches and dents (obviously.)  We haven’t heard whether or not they are going to accept this offer…or counter (again)…or just decline. So I am still playing the waiting game.  It’s funny, I’m going to have to change my ring tone for her phone number so my knees don’t go numb everytime I hear my phone ring…my grandmother called this morning to let me know she was going to the dentist and I thought I was going to pass out before I got to the phone.  Well, KG and KJ are really wanting to take a walk this morning and I’m hoping that helps me devote my energy to something else for a bit.

UPDATE: 10:45am  THEY ACCEPTED!!!  WHOO!  Oh My Goodness…I cannot tell you how much better I feel!  I am THRILLED!  I am about to own my first home!  I am going for a walk now…feeling a hundred times better!

Today we put an offer on a house. That’s right. I’m scared to DEATH! I guess that’s only partly true. You see, I feel like a ton of bricks has been lifted from my shoulders…but at the same time I am frightened to my core that this won’t work out. But right here…right now, I am giving it over to God. There is nothing I can do now..it is totally up the seller now and GOD. I know that if this is God’s will, it will all work out. If it fails to work out, God has something else in store for us. I am just SO ready to own a home and no longer live below “the people who never sleep” or next to “the loud cars”.

We have been trying to figure out the most frugal way to buy a house…and well, we gave up. Not really. We didn’t have any money saved to put down as a down payment on our new house, however we did qualify for $4,500 in down payment assistance along with qualifying for a FHA loan for the price of the home. Today, we made our first offer on The House. I’m too afraid to get my hopes up and we haven’t told the girls..because we don’t want to their hopes up. But who knows…I just pray we have enough money saved up to get us through the move and such…IF they accept the offer.

UPDATE:6:03pm They countered by accepting all of our conditions, with the exception of the purchase of appliances.  Sigh.  This was one of our “must haves”. So now what?  Where do I go from here?  Their agent told us that after the other conditons and her commission they would be barely breaking even, so they just couldn’t afford to purchase appliances.  Hubby is going to try counter-offering with half of the appliances and a small amount off the purchase price, but I expect they will decline or at the very least counter again.  I just SO badly wanted this house.  It was perfect for us…it’s a bit heart-breaking.  I desperatly want my own bedroom and space to breathe.  However, I know our budget and I know we can’t afford to be purchasing all new appliances.  So if they can’t come down on the price or come up with some appliances…I guess we continue looking elsewhere.  Sad, really.


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