Wednesday whining

amyc216

I just need to vent!  This building a house business is so annoying!!!  We signed our contract in mid-February.  They told us it would be a few weeks to pull permits and get started.  They cleared our lot near the beginning of March and then did nothing for the rest of that month.  We got different excuses from the agent and the superintendent.  They finally did some work in April and dug out and poured the basement.  They told us they wouldn't do anything for a week while the cement cured.  So, now it's been almost two weeks and the newest excuse was they have been waiting on a county inspection.  We are supposed to close on June 14!  Today is May.  At the rate they've been moving, we will probably be living in my parents' basement until winter!  I'm so over it!!!  MH seems to trust them for whatever reason and believes we'll still close on time.  Whenever I try to vent to him, he tells me to relax and he tells me to quit driving by the house every day.  Argh!  I am sick too and I am just so annoyed today! 

Let it out ladies- what's bugging you today?

cantalopes24

You'd be surprised once its in framing how quick it'll get done. County and unions can make it seem like they're not doing anything which can be frustrating.

MH got his HW done yesterday and we were supposed to hang out today. I couldn't sleep and kept him up last night so now he's sleeping and I suck at naps so I'm tired and bored.

jwls84

Sorry for the house building frustrations!! It'll all work out though.

It is May 1 today and guess what it is snowing! I had to scrape my car this morning and have my heat on high on the way to work! I just want summer to come, but instead we a forecasted to get MORE snow!!! Ugh!

rubysue267

Whiney FWP ahead: 

We started seriously looking into buying a house in February. We're first-time home buyers and houses in our price range are super competitive. We put an offer in on a house in February, but the homeowners wanted to close in 30 days, which was too tight of a timeline for us to buy out of our apartment lease without half of our down payment money going to the rental office so they took the competing offer. We made an offer on a second house in March and the offer was accepted by the homeowner. The house was an approved short sale, but we found out two weeks later that the homeowner had lied about owing more than one lender, so the second bank swooped in and decided to foreclose the property. Contract crashed and burned. We ended up in a bidding war on the third house at the end of March where it went up $60k above appraisal, and we just didn't want to end up underwater on our first home because of a panicked decision. The fourth home was an estate sale and the inspection uncovered major foundation issues so we had to walk away.

We're going to see a house on Friday that we both really love and is well within our means, but I just keep thinking that there's going to be some unseen disaster that's going to blow up in our faces. We just got our lease renewal option and rent is going up $200 a month. The mortgage on the house we're looking at would already be $600 under what we're paying for a two bedroom apartment and I do not want to have to resign. I just feel stuck right now and I really want this house to work out.

I'm also going to pull a major biitch move and say that all the people we know who own houses are those who's parents paid for their college and gave them money for a down payment. I don't feel entitled to those things from my parents, but sometimes it seems like that's the only way you can buy a house before you're 35 **shakes fist at outrageously priced higher education in the US**

Mostly, I'm just bummed that this is the only thing holding us back from trying for a second baby. Our plan was to fire-up the baby machine this summer, but I think that ship has done sailed. 

leahandbuck

I understand the housing frustration.  We signed our building contract in November.  We were originally set to close on May 24th, that has now been pushed back to June 14th.  So, we have to pay rent for 1/2 the month of June and this affected our closing costs because we are closing in the middle of the month instead of the end.  Luckily we are re-couping that money from the builder because I made them sign a promissory note stating any costs we incurred as a result of not closing on May 24th would be their responsibility.  It still sucks because I had planned on moving over the long Memorial Day weekend, plus that was going to get me out of some IL family events (that is probably the worst part).  

pennysuedog

Two weeks of being sick and not getting sleep from the damn cough. 

Frick'in 2 week long period, WTF. 

It is suppose to snow 3-6 inches today.

MH called me at work this morning to let me know his Grandpa died.  Very sad about that.  We saw him last memorial day and had booked a hotel to see him this memorial day.  I wish we could have gotten that last visit in. 

I know I should not complain about this but my hotel was through hotwire and not refundable or exchangeable.  Do you think if call the hotel they would let me use it for the funeral?

pennysuedog

AA0417:

rubysue267:

Whiney FWP ahead:nbsp; We started seriously looking into buying a house in February. We're firsttime home buyers and houses in our price range are super competitive. We put an offer in on a house in February, but the homeowners wanted to close in 30 days, which was too tight of a timeline for us to buy out of our apartment lease without half of our down payment money going to the rental office so they took the competing offer. We made an offer on a second house in March and the offer was accepted by the homeowner. The house was an approved short sale, but we found out two weeks later that the homeowner had lied about owing more than one lender, so the second bank swooped in and decided to foreclose the property. Contract crashed and burned. We ended up in a bidding war on the third house at the end of March where it went up 60k above appraisal, and we just didn't want to end up underwater on our first home because of a panicked decision. The fourth home was an estate sale and the inspection uncovered major foundation issues so we had to walk away.We're going to see a house on Friday that we both really love and is well within our means, but I just keep thinking that there's going to be some unseen disaster that's going to blow up in our faces. We just got our lease renewal option and rent is going up 200 a month. The mortgage on the house we're looking at would already be 600 under what we're paying for a two bedroom apartment and I do not want to have to resign. I just feel stuck right now and I really want this house to work out. I'm also going to pull a major biitch move and say that all the people we know who own houses are those who's parents paid for their college and gave them money for a down payment. I don't feel entitled to those things from my parents, but sometimes it seems like that's the only way you can buy a house before you're 35 shakes fist at outrageously priced higher education in the USMostly, I'm just bummed that this is the only thing holding us back from trying for a second baby. Our plan was to fireup the baby machine this summer, but I think that ship has done sailed.nbsp;

I believe that sometimes things just work out the way they do for a reason. I hope that you were just meant to hold out for a better house, closer to the end of your lease but before renewal. I will say not everyone who is a young homeowner had help. I worked my butt off to pay for my own schooling and my house which I bought at 22. Obviously that is not even possible for everyone as I went to a cheaper college, but it can be done. Not that it really even matters, but I just feel like I deserve to not have people think I had help. I'm kind of grouchy today, so maybe it I am taking it too personally, and I do totally understand that you are rightfully frustrated. I wish you the best in your house hunting.

We also bought young when we were 23 (2003) without help, but back then they were giving loans to everyone.  We really struggled the 2nd time around though.  You would think house hunting would be fun but it is a  heart wrenching process.

pennysuedog

AA0417:

pennysuedog:

Two weeks of being sick and not getting sleep from the damn cough.nbsp; Frick'in 2 week long period, WTF.nbsp; It is suppose to snow 36 inches today. MH called me at work this morning to let me know his Grandpa died.nbsp; Very sad about that.nbsp; We saw him last memorial day and had booked a hotel to see him this memorial day.nbsp; I wish we could have gotten that last visit in.nbsp; I know I should not complain about this but my hotel was through hotwire and not refundable or exchangeable.nbsp; Do you think if call the hotel they would let me use it for the funeral?

Sorry for your loss. They may very well allow the change, especially under the circumstances.

Thank you!

rubysue267

AA0417:

rubysue267:

Whiney FWP ahead:nbsp; We started seriously looking into buying a house in February. We're firsttime home buyers and houses in our price range are super competitive. We put an offer in on a house in February, but the homeowners wanted to close in 30 days, which was too tight of a timeline for us to buy out of our apartment lease without half of our down payment money going to the rental office so they took the competing offer. We made an offer on a second house in March and the offer was accepted by the homeowner. The house was an approved short sale, but we found out two weeks later that the homeowner had lied about owing more than one lender, so the second bank swooped in and decided to foreclose the property. Contract crashed and burned. We ended up in a bidding war on the third house at the end of March where it went up 60k above appraisal, and we just didn't want to end up underwater on our first home because of a panicked decision. The fourth home was an estate sale and the inspection uncovered major foundation issues so we had to walk away.We're going to see a house on Friday that we both really love and is well within our means, but I just keep thinking that there's going to be some unseen disaster that's going to blow up in our faces. We just got our lease renewal option and rent is going up 200 a month. The mortgage on the house we're looking at would already be 600 under what we're paying for a two bedroom apartment and I do not want to have to resign. I just feel stuck right now and I really want this house to work out. I'm also going to pull a major biitch move and say that all the people we know who own houses are those who's parents paid for their college and gave them money for a down payment. I don't feel entitled to those things from my parents, but sometimes it seems like that's the only way you can buy a house before you're 35 shakes fist at outrageously priced higher education in the USMostly, I'm just bummed that this is the only thing holding us back from trying for a second baby. Our plan was to fireup the baby machine this summer, but I think that ship has done sailed.nbsp;

I believe that sometimes things just work out the way they do for a reason. I hope that you were just meant to hold out for a better house, closer to the end of your lease but before renewal. I will say not everyone who is a young homeowner had help. I worked my butt off to pay for my own schooling and my house which I bought at 22. Obviously that is not even possible for everyone as I went to a cheaper college, but it can be done. Not that it really even matters, but I just feel like I deserve to not have people think I had help. I'm kind of grouchy today, so maybe it I am taking it too personally, and I do totally understand that you are rightfully frustrated. I wish you the best in your house hunting.

I'm sorry that you feel this was a personal attack on you and all other young homeowners, but that was not how I intended it at all. I was simply saying that everyone that DH and I know personally, in real life, have been very open about getting lots of financial help from their parents and have continually suggested that we just borrow money from ours (which is not an option). That wasn't meant as a sweeping generalization about EVERYONE who owns a home - I certainly don't look at other home owners and think, "welp! I bet Daddy helped pay for that!" I know it can be done through hard work and perseverance and that having a parent to step in to help is not the norm. I also don't think those who were fortunate enough to receive help are spoiled little brats, either. I'm glad our friends were able to get help with those high-cost investments and I know they aren't being mean or rude to suggest we ask our families for money. It's just a difference of circumstance and I was simply wallowing in a moment of whiney frustration.

I don't know if everything happens for a reason, but the silver lining is that we've learned a lot about the home buying process and have gotten a better idea of what our immediate and long-term goals are. Thanks for your house-hunting wishes.

rubysue267

pennysuedog:

Two weeks of being sick and not getting sleep from the damn cough. 

Frick'in 2 week long period, WTF. 

It is suppose to snow 3-6 inches today.

MH called me at work this morning to let me know his Grandpa died.  Very sad about that.  We saw him last memorial day and had booked a hotel to see him this memorial day.  I wish we could have gotten that last visit in. 

I know I should not complain about this but my hotel was through hotwire and not refundable or exchangeable.  Do you think if call the hotel they would let me use it for the funeral?

Aww, Penny, I'm really sorry about your loss! T&Ps are with you and your family.