Tuesday, October 23, 2012

Engagement Anniversary 2012

Yesterday Patricia and I celebrated our 2nd anniversary of us getting engaged.  Before I get into the story of the day I know most of you are thinking, "this anniversary won't last very long.  No one celebrates their engagement 10 years down the line."  I hope and will try my hardest to prove you all wrong.  If you know the story of our engagement it was awesome.  If you don't you can read about it here.  Nonetheless, this day 2 years ago was perfect, unique, joyful and matchless.  I know we can't recreate it every year but I will do my best to remember it.

With all that said, yesterday was about as perfect a day you can have here in Orlando. 

I booked us a hotel room at the historic Park Plaza Garden Hotel on Park Ave.  This was supposed to be a surprise but sneaky PBG saw an email from the manager last week while in bed.  I might have emailed the manager a week before and asked for a big discount.  I might have played the "we are buying our 1st house on Wednesday card."  Is that a card?  Not only did they give us a huge discount they gave us the biggest room in the hotel overlooking Park Ave. Here are a few shots of the room.

 PBG met me at the hotel, and when she walked in she just said, "happy"  As she joined me on the balcony she reiterated, "happy."  From there we had a short walk to the famous Winter Park Scenic Boat Tour.  We had to hurry to catch the final 4pm trip.  

After the boat tour we stopped by at Cocina 214 one of our favorite spots on the Ave to have a "snacklet" as PBG would say.   While there I saw on Instagram that the Meyers were on the Ave so we decided to hang with them for a bit.  PBG was still suffering from Pink Eye and it drove her crazy that she could not hold Benji.

We spent our evening having dinner at the wonderful Park Plaza Garden Restaurant, and relaxing on our balcony.  This might be the greatest single day/date you could have in Winter Park.   I am so happy I got to share it will my bride. 

Friday, October 12, 2012

We have a Closing Day

I am happy to report that after 4 1/2 months we have a closing day set.  If you read the last blog you know we had a few final hurdles.  Our last big one was the appraisal.  If I understand it right the appraisal must be very near the accepted offer price if it's not it's very difficult to get your mortgage.  Mostly because banks now a days don't want to give a mortgage on a house that is worth less than the loan.  If it appraised for much less we would have to go back to the seller’s lender to get approval on a new price.  Normally that would be fine but we have to get this done before the 28th of October.  Since they took 4 months for the bank to approve our 1st offer we didn't want to risk it going past that Oct 28th deadline.  With all that said the appraisal came in Tuesday and it went great.  

Today we locked in our insurance, and interest rate.  Which apparently are really good thanks to the market crash a few years ago.  Thanks America. 

Next up our closing.  We have 2 weeks until we sign on the dotted line.  We are so excited and feel like God's hand has guided this whole process. 

With all that said now we really have to get serious about a new sofa.  We are thinking an L shaped sectional for our soon to own bonus room.  Anyone have any suggestions?

Wednesday, October 3, 2012

House offer Accepted - PTL!

As some of you may know we put an offer in on a short sale home in Winter Park on June 3rd of this year.  After the sellers accepted our offer and we moved in with the in-laws as we waited to hear back from the banks.  This summer has been awesome living with Patricia's parents.  Tons of family meals, movie nights, and evenings watching Dodger and Main Player on the hammock.
We were told that it can take up to 7 months to hear back from the bank.  After about 2 months we were told things were moving quickly.  So we started looking at furniture and began to get real excited.  Each week I would email our realtor "any update?". Every week it seemed like I was hearing "we should know something next week". I thought if we could move in by Sept 1st, that would be awesome.  Then a few weeks go by and I thought if we could move in by October 1st.  Somewhere along the way I stopped dreaming of a move in date and was just trying to be patient.

Last Thursday we finally got news the banks have accepted our offer, and we need to close before the end of October.  PTL! We were so excited but as my friend Chris Van Slyke told me now the "work" begins.  Well, we were waiting for 4 months so I was excited to get started with the "work".
I am sure PBG doesn't want me to go into to great of detail on the blog but we have about 30 days to get our inspections, insurance and financing in order.  If its not done by the banks' determined date we could lose the house.  So after all this waiting there is a chance we could lose the house?  AWESOME!  With that in mind we are not waisting anytime.  By Friday afternoon I had sent in ALL of our financial documents (FYI this is why you keep a actual copy of your W2s handy) Also on Friday I had received 2 home insurance quotes, and our realtor set an appoitnment for our inspection on Monday (today).

Today's inspection went well for a home built in the late 50s.  Our one hurdle is Polybutylene piping.  I had no idea what this was a few hours ago.  Here is the truth about buying a house.

- You want a house- you have to get a loan
- To get a loan- you have to get insurance
- To get insurance - you have to get an inspection
- If there is an issue in the inspection (like poly piping)- you might be in trouble

Now normally people have lots of time and can negotiate with the seller for fixes.  In a short sale it's not as easy, especially when you have a hard deadline breathing down your neck.

We have been so blessed and we are trusting that God has everything under control.  While this process might have some hurdles I still want to find a way to enjoy the journey of buying our 1st house.
BTW today was the 1st time we have been inside the house since we made our offer in June.  We still love it and we are very excited for the NEW Casa de Grays.