Closing

Monday the 16th we closed on our house. Cory and I both had so much anxiety about this leap into huge amounts of debt that we almost didn't go through with it! We left Porter with Cory's mom and took Theo with us since he was not feeling well. We signed so many papers.. it was about 2 1/2 inches thick! Theo was being really cranky and this was the time when his fever and rash were getting worse by the hour. Finally I just signed all the papers while Cory stood and did the rocking bouncing walk with Theo, then we switched and he did the signing. I tried not to think about it too much.. but just knowing that we owe someone that much money makes me nauseous. I would have loved to just payed for a house in cash.... but we would have had to wait till we were 60 to save that kind on money up. We finished all the paperwork and then went strait across the street to urgent care for our screaming rashy baby.

Tuesday the loan funded and we got the keys. I had loaded up both our cars the night before so I went over in the day and unloaded mine. I had hoped to deep clean the Kitchen that day... All I got done was the fridge and the boys were done. The whole kitchen has hair everywhere from the previous owners. They had 2 dogs and 2 cats. It grosses me out so I am trying to get everything wiped down before I move in my things.

Wednesday I had Stanley steamer come and do the carpets. They were filthy from the pets... I also had them spray a deodorizer of them to hopefully get rid of the dog smell. I don't have pets so i don't think my house should smell like them. I also worked on the kitchen some more.. I was just finishing the upper cupboards when Theo started to scream. I turned to see Porter spraying Windex in his face! I am starting to think I will never get this place clean with those two boys...

Anyways i must run.. I still have allot of packing to do, and need to get the apartment cleaned for moving as well. We do the big move on Monday. When I can i will take pics of my new place, but don't expect that for a couple of weeks. I also need to go finish the kitchen at the new house as well as the bathrooms... I am thinking maybe I can drop porter off somewhere so I can actually be productive. ( Mom and Don I wish you were here to entertain him!) On the plus side I am not pregnant with helps alot... i was pregnant the last 5 moves.

Theo update: This morning he woke up smiling and talking to himself. So he seems to be feeling better! He still has to finish up the antibiotics but I think he is going to be just fine. Thank goodness for modern medicine! Oh and they weighed him when we went in... my little baby is not so little at 21 pounds! holy moly he is heavy!

first time home buying

It would seem that buying a house would not be that complicated.. you pay the money and then you get the house. Back in the day you would just build your own house and the church and community would come help and it would be a big party with food and women getting the men water. These days its just a whole bunch of people making money from the transaction. Seems like people just made up jobs to do so they could profit from this transaction of home ownership.

First there is the realtor... who supposedly is on your side and just wants to help you. Sounds great and all, but really they are just wanting their 3% of the home price and want you to find a house and close as quickly as possible so as to do as little work as possible for their pay cut. Another tip off that they really don't care that much about you is that you sign a 6 month contract with them that if you buy any home you have to give them their 3%.. that includes for sale by owner homes that you find on your own! I hate that we are paying a realtor.. I did all the online searches for my home myself! I found the places to go see, and even called her when I found the place we are buying to let her know I wanted to go see it. I think she is a big wast of time and money and pretty much despise her.

Next you get to pay lots of dumb fees for everything... like a fee for an appraiser. The thing about the appraiser is that they just say the house is worth whatever you are trying to get the loan for! i mean what kind of appraisal is that? And this guy gets payed hundreds of dollars to just walk in the house, say yep its worth what you say it is! I mean come on!!

There is a fee for a home inspection.. the funny thing about Utah is that you don't have to be licenced. So Neal, Cory, Or even me could just say we were a home inspector and charge 300 to go look at a house and tell them whether its safe or not. what the heck?? I cant believe anyone can just do this. seems you would need to be qualified so you would know about things like plumbing and electricity and foundations. Otherwise how do you know if its okay?

There are a lot of other random fees and such that add up to 4,000 for closing costs. A hundred years ago was there even such a thing as closing costs? I swear the lenders just like to make up things to pad their wallets... like all the interest they make off the home loan isn't enough already!

Luckily we have a brother in law doing the actual loan so we are not paying more than we need to for interest rates. (well at least i hope so! I guess you never know)

Anyways all this has me just sleepless and ridden with anxiety! and I have not even started the whole packing/cleaning yet! Not to mention the transfer of all bills and utilities to the new home. I think I am a master procrastinator... we close on the 16th of july and I expect I will get to cleaning and packing around Saturday the 14th! I seriously am so sick of moving I am tempted to just throw all our stuff away and start over! LOL.

My new goal in life is to go a complete year with no pregnancies, moves, or job changes! I wonder if my life would be completely dull and boring if i had such security and stability?