Mo Bloggin'

A little o' this, a little o' that

Archive for the month “January, 2010”

The hunt is over

After two years, and a couple of major life events, I finally found it.  My peaceful little farm.  I signed the papers today, agreeing to a healthy mortgage payment (the guy at the bank, preparing my cashier’s check for the title company, helpfully told me that the Latin meaning of mortgage is death pledge.  Nice.) and plenty of fix up work in the next year or so, not to mention property maintenance (looking forward to that!), and I’m a proud new homeowner.  Gulp!

I dressed a little nicer today than I usually do, feeling the need to honor this transaction with attire that said (to me?) I’m serious, worthy, professional, and an adult.  I walked the few blocks from the office to the bank (right next to the building the title company was in) with a stomach full of butterflies, not sure why I was so nervous. I imagined all sorts of scenarios where the bank wouldn’t write the cashier’s check; I didn’t have the account number of the savings where I’ve had the money stashed waiting all these months and thought they might think I was trying to commit fraud.  The checking account, debit card (have NO idea what the pin number is since I no longer use the account much – awkward!), and drivers license worked though, and the transaction was seamless, even with my nerves causing me to fumble my checkbook over the counter toward the teller, and muffed filling the withdrawal slip.  “I guess I’m more nervous than I thought” I chuckled, thinking, too late, how false and conniving that must sound.  Evidently not, though, as the check was prepared in minutes. 

It seemed, still seems, surreal to me – ME, buying a home all by myself!  How wild is that?  There’s something life changing, or rite of passage about all of it.  I felt like a real person, a member of society, and validated somehow, as I signed, initialed, dated, signed, and signed again, ad nauseum.   When it was done I left, walking back to the office feeling amazed and excited, almost disbelieving of the fact that I just bought a house on nearly six acres, for me and the critters, all by myself.  A roof of one’s own (that needs replacing ASAP).  Wow. 

I got a little verklempt (tawk amungst yourselvs), thinking of my mother at this momentous event in my life.   “I just bought a house, Mommy” I whispered as I walked to the corner, blinking back tears.  I thought of all her sacrifices for us kids, how she never owned a home of her own, and how excited and proud she would have been for me today. 

I just bought a house. 

It looks like a go

I got word a week ago that the short sale I’ve been waiting on since August is a go.  Both of the lienholder banks have approved my offer and now want to close within 30 days.    My hackles go up at being pushed around by the banks, again, but it’s their racket and I’m the one who asked to play a round. 

I’m trying not to get too excited, but I really am thrilled, and eager to move in to MY OWN PLACE.  (pinching myself)  Like, all mine; my first house by myself.  I went from endless waiting to a target move date only three weeks out (now two weeks).  It’s still just a target, though, as I have no closing date as of yet.  The financial guy I’ve been working with said we’re ready to go and are just waiting for the final paperwork from the lienholders.  More of the hurry up and wait, I guess.

I don’t even know it’s mine yet, like, for sure it’s mine, and I’ve dropped over $1,500 on it (not counting the earnest money).  I had a plumber out a few weeks ago to inspect the pipes.  After our weeklong freeze in December I was concerned that there would be burst pipes (no heat to the house and not winterized).  I was out there that week – even the toilet was frozen solid – and was feeling like it was a lost cause.  The realtor went out after it thawed and said she didn’t see anything leaking (we’d turned off the power so the well wouldn’t continue to pump).  The plumber didn’t find any problems and was amazed, stating “you must be the luckiest person in the world.”  (heehee)

Last week I had the well inspected and pumped the septic system, and sent in paperwork to the county for the septic inspection.  Both systems looked good, and it was nice to get good, honest service for these two important checks, and the plumber’s inspection too.  The well guy, Pierce from JKA Well Drilling, was a fount of information (sorry, couldn’t resist the pun) about the well system, and wells/well care in general.  I forgot to ask a couple of questions and received prompt answers when I contacted him a couple of days later.  He also took a water sample and sent it in for testing.  It tested free of bacteria and we’re still waiting for the arsenic test results.  Once I move in I’ll do some more testing for inorganic compounds to be sure I’m not getting overloaded on iron or anything. 

Next is getting the propane tank filled and the furnace inspected and turned on, but I’ll wait to take possession before I do that. 

I’m beginning to get excited.  I have lots of packing to do yet, but am so ready to settle in to my little place.  I’ve been refrigerator shopping, but haven’t settled on a model yet (white? stainless? black? side-by-side or French doors?).  And once I move in I’ll get it surveyed and a fence up, too.  Farley will be so happy.  There’s a LOT to do in the next few months (roof replacement, fencing, chicken coop and pen built) and I’m looking forward to all of it.  And hopefully a hot tub by the summer, too.  Ahhh. 

She looks a little sad right now, having been vacant for so long, but not for much longer!

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