I have heard many mixed reviews on the process of buying a house. Some say it’s a piece of cake as long as you have the information they are asking for. Others say anything and everything will go wrong and to not to count your chickens before they hatch. It’s a long process, but at the same time it sneaks up on you as long as you keep busy.
As for my experience, it was pretty simple at first. We were prepared with all of our documents and our loan was said to be “the poster child loan for perfect.” Then communication started to become a factor. Some wires were crossed and it felt like a snowball affect after that. Our closing date changed several times, back and forth, early and late…it was very confusing. All of this went down the last two weeks we had to get through before we signed the closing papers. We were so close we could smell the paint fumes!
All of our belongings were packed, taped up and ready to be moved, the utilities were changed to our names and we already paid the water bill and TV before we were finally told the bad news. All of a sudden, our “poster child loan” was no longer that. There is always a snag, but did it have to be construction problems four days out from closing and during deer season? We found out we had to have a window installed in the basement per USDA Loan requirements. This means taking down a portion of the fence, digging up the ground around the foundations, cutting into the sidewall of the basement and installing an egress window. There isn’t a bedroom in the basement but apparently that doesn’t matter for USDA, as it is the rule for the others.
Side jobs were hard to book since most of the men who do these types of side jobs were taking their children out youth hunting…and we needed it done fast. Patience is a virtue I guess in this situation. We didn’t want just anyone to cut a hole into our basement, after all, that could lead to bigger issues with leaking if we weren’t careful.
Then, the roller coaster continued as we were getting bids and counting our pennies, we got a phone call that the windows that are in the basement passed the inspection. Now, this is great news but we got it on the day we were supposed to close before the window was an issue. So again, we wait for a new closing date and breathe a sigh of relief.
It has been a long process….one I don’t plan on doing again in the next decade…or two. I just can’t wait to have all of our belongings in one spot and to give back our parent’s basement/garage/room space. They have all been very helpful throughout the process with the heavy lifting and giving up their free time to help us get the bargains. We couldn’t have done it without them.
So as we wait for the final papers to be signed, we look forward to moving everything in, and settling down in our very own house. As Bill Cosby said “Human beings are the only creatures on earth that allow their children to come back home.” Thank goodness our parents allowed us to get on our feet while we looked for our home. I can’t imagine where we would be without them!
By Kristen Harris