Thursday, October 21, 2010

Boring Money Stuff

So Ryan and I close on our first house November 1st! We are first time homebuyer's, and this whole process has been quite the education. Mortgage stuff sucks hardcore. It isn't nearly as fun as looking at living room inspiration pictures. It's actually just like wedding planning!

Closing on the contract=getting engaged

Excitement all around, woohoo! We're on top of the world!

Waiting waiting=initial planning stages

We can put this here and paint this this color. THIS IS SO EXCITING. Much akin to wedding colors and the pretty pictures on heavily styled blogs.

Mortgage nonsense=wedding logistics

They need to know where I worked 5 years ago? They want pay stubs from my internship? They want WHAT faxed to them right this second?! Very similar to "the hall only holds 300 but we can't possibly invite less than 400...WHAT DO WE DO?! and my parents want to invite their 3rd cousins WHY WHY?!" Hair ripping out ensues.

And I'm assuming that actually closing and getting the keys and walking inside your first home is a lot like the wedding day...overwhelming and wonderful. A happy ending!

Ryan and I are so, so lucky to be able to have the kind of house we're about to have. I am super pumped to really make it our own and make it look like new again (it isn't in very good shape and needs work).

Quick warning on escrow: Escrow can suck it. And the banks are so into covering their *sses now that you have to pay 14 months of taxes and insurance up front AND keep paying both of those every month like you haven't paid way ahead anyway. Apparently with interest rates being so low, this is just the new climate of home loans.

I want to show you all pictures so badly, but the pictures online are not my property, and I hate posting things without giving credit to the source. I don't want to link back to the house for safety reasons...but I don't think the real estate site cares, right? So I'll throw a couple up here without giving credit. Shhh, don't tell anyone!

I am itching to paint those cabinets a nice clean white and paint a wall navy. I saw it in a picture online and it looks phenomenal.

The living room:

Just a sneak peek, with so much more to come! This place is going to be full of house nonsense.

Is the nesting bug getting to you?


  1. ooooohhhh...i'm so jealous. Well, more like happy for you...but just slightly envious that you're moving into your own home. looks amazing! can't wait to see you make it yours!

  2. Oh but this must be so exciting! Even with all the stress and waiting and back BS and other crap. We're not in a position to buy right now, so I'm living vicariously through you and other people who are allowed to actually, you know, paint lol. Keep the house stuff coming, girl!!

  3. Oooooh I love it!! I can't wait to see what you do with it! I LOVE interior design and owning a house is so much fun once you get past all of this boring/stressful stuff!

  4. Holy CRAP, that looks like a big kitchen! Congrats on the big purchase. *clinks glasses*

  5. SO cute and I totally agree being a first time homebuyer is a pain in the butt! But it's so worth it in the end!

    The house looks great! Can't wait to see more!

  6. I'm so excited for you, friend!! That's so awesome! I can't wait to see what you do with it!

  7. oh so exciting! and spacious!!! though i know the market is a little crazy with all this post foreclosure crap. my parents are trying to buy a condo at the moment and they are giving them a hell of a time as well because my mom is a consultant and not a salaried employee...nevermind that my father makes plenty to buy this additional property on his own. doesnt make sense. it's a strange time, making the great time for us young folks to buy a pain in the ass. Seems like hazing almost, deterring buyers as much as possible to make sure they really want to do it before they let them in the club, no matter how inappropriate. there will be an exhale at the other side of the door though - i know it - and i can only imagine it will feel AMAZING!!!


Hearing from you all makes my day!