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Given everything that happened this afternoon and evening, I guess it's not surprising that I am so keyed up I can't sleep.
Sunday: Kris and I happened across a house in Winter Garden that met and exceeded all of our needs and desires for a new home.
Monday: We ran the numbers and came to the conclusion that we actually can afford said home.
Tuesday: We contacted the agent and said we would like to make an offer on the house. We met up with the agent that evening, walked the house again, and came up with a list of concessions we wanted from the seller (set asides to replace the front door and sliding glass door, plus a few other minor things). We went back to the agent's office in historic downtown Winter Garden to fill out paperwork to create the actual offer contract. Afterwards we walked the cobblestone street, past the fountain, past the historic post office, and had dinner at a family pizza joint. Winter Garden is a lovely little community with over a century of history behind it, a far cry from the tourist-hungry strip of US 192 where we currently live. It was a very pleasant evening.
Today: The agent was supposed to meet with the seller at about 10:30 this morning to deliver the offer. We expected to hear back one way or the other sometime around noon. Needless to say, noon came and went with nary a call. The afternoon wore on with nothing but more waiting and more silence. Every hour or so Kris would message me. "Any News?" she would write. "Gary Gnu says, 'No gnews,' I would reply.
Hour upon hour of nothing. For much of the day I was blocked at work because of a problem with the source code server. Finally around 3:30 I was able to get some real work done. Then the phone started ringing. A lot. I would be on my cell, and another call would be coming in on the cell, and then my land line would start ringing to boot.
The agent called; the seller was fine with most of the contract, but wanted to move the closing date two weeks earlier and also wanted to cap their part of the closing costs at $6k (we had made a full price offer, with the caveat that the seller would pay all closing costs). So I had to talk to Kris to find out if she was ok with that. We had to find out if moving the closing date forward would effect the first due date for the mortgage. With the closing date earlier, we had to figure out the timing of getting the cash to pay costs, since much of that money was supposed to come from an IRA disbursement but that money is currently in transit from the old pension plan into the new IRA. Could we get at the money in time? *Should* we get at that money, or leave it alone? Three calls with the agent. Several calls with Kris. Calls with the mortgage banker. Calls with the investment advisor. For a solid ninety minutes straight it was pure chaos.
In the end we figured out that everything was cool, we had the cash flow nailed, the earlier closing date was fine, and the entire deal is going to go through. This house is going to be ours. We decompressed in the evening by watching Lost and treating ourselves to hot fudge sundaes.
Tomorrow morning Ben has a dentist appointment. Then I do my ever-other-week chaperoning of his class to the YMCA for swimming. Then I stop by the mortgage banker to deliver signed paperwork to start the formal loan process, and to initial changes to the offer contract for the agent. Oh, and I need to fit work in there somewhere as well. I need to be up in under six hours. But I can't seem to find the off switch in my brain.
Sunday: Kris and I happened across a house in Winter Garden that met and exceeded all of our needs and desires for a new home.
Monday: We ran the numbers and came to the conclusion that we actually can afford said home.
Tuesday: We contacted the agent and said we would like to make an offer on the house. We met up with the agent that evening, walked the house again, and came up with a list of concessions we wanted from the seller (set asides to replace the front door and sliding glass door, plus a few other minor things). We went back to the agent's office in historic downtown Winter Garden to fill out paperwork to create the actual offer contract. Afterwards we walked the cobblestone street, past the fountain, past the historic post office, and had dinner at a family pizza joint. Winter Garden is a lovely little community with over a century of history behind it, a far cry from the tourist-hungry strip of US 192 where we currently live. It was a very pleasant evening.
Today: The agent was supposed to meet with the seller at about 10:30 this morning to deliver the offer. We expected to hear back one way or the other sometime around noon. Needless to say, noon came and went with nary a call. The afternoon wore on with nothing but more waiting and more silence. Every hour or so Kris would message me. "Any News?" she would write. "Gary Gnu says, 'No gnews,' I would reply.
Hour upon hour of nothing. For much of the day I was blocked at work because of a problem with the source code server. Finally around 3:30 I was able to get some real work done. Then the phone started ringing. A lot. I would be on my cell, and another call would be coming in on the cell, and then my land line would start ringing to boot.
The agent called; the seller was fine with most of the contract, but wanted to move the closing date two weeks earlier and also wanted to cap their part of the closing costs at $6k (we had made a full price offer, with the caveat that the seller would pay all closing costs). So I had to talk to Kris to find out if she was ok with that. We had to find out if moving the closing date forward would effect the first due date for the mortgage. With the closing date earlier, we had to figure out the timing of getting the cash to pay costs, since much of that money was supposed to come from an IRA disbursement but that money is currently in transit from the old pension plan into the new IRA. Could we get at the money in time? *Should* we get at that money, or leave it alone? Three calls with the agent. Several calls with Kris. Calls with the mortgage banker. Calls with the investment advisor. For a solid ninety minutes straight it was pure chaos.
In the end we figured out that everything was cool, we had the cash flow nailed, the earlier closing date was fine, and the entire deal is going to go through. This house is going to be ours. We decompressed in the evening by watching Lost and treating ourselves to hot fudge sundaes.
Tomorrow morning Ben has a dentist appointment. Then I do my ever-other-week chaperoning of his class to the YMCA for swimming. Then I stop by the mortgage banker to deliver signed paperwork to start the formal loan process, and to initial changes to the offer contract for the agent. Oh, and I need to fit work in there somewhere as well. I need to be up in under six hours. But I can't seem to find the off switch in my brain.
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