I am AWFUL at blogging. Once upon a time, I was a kickass blogger. The type that blogged multiple times a week and responded to comments. Nowadays, I am blogging once a year…IF that. But in all seriousness. It has been over a year since I wrote anything and boy is there a lot to catch up on.
For the sake of my sanity and probably yours….I will not be detailing the previous year. I will say, that in the last year, so much has happened. Like, uh WE MOVED. That’s right. Our three years in sunny San Diego, California were up and we headed back down to the dirty south aka Meridian, Mississippi. With moving, came buying our first house!! Which, I am elated about!! Finally, no more pleading with landlords and property managers that Georgia is a good dog and a sweet dog (watch out for that Zooey though, she’s shady as fuck). And no more pet deposits, most importantly!! But, with homeownership comes….projects. Projects! Projects! Projects! (To be read in Jan Brady’s whiny ass voice). If it were up to me- spoiler alert: it isn’t, my projects would be demolishing the interior of the house instead of doing outdoor projects in this sweltering heat. Unfortunately, L has brought up many good points…and this is why we have been killing ourselves to do the outdoor projects.
Back to us buying our first house…can you say EASY? It kind of all fell in my lap in February of this year. I was browsing my ever so favorite, realtor.com and it said use mortgage calculator and when I did that and put in 0 downpayment (Thank you, VA Loans), it triggered some pop-up advertisement–which I loathe. I digress, the pop-up had guessed that we were military/veterans/or the like and suggested we use the VA Loan calculator and check out how much we could qualify for. So, there I went, clicking away online. Before I knew it, I was typing in income statements, tax returns, etc and there I am on the phone with a loan officer from Veterans United. (Who are great!!! But I’ll get back to that again, later….) She had me send in some credit forms and did a quick query, came back and said everything looked fabulous and she would e-mail me our pre approval when it comes in. I was all like WHAT?!?! Our pre approval?! I thought I was just checking to see how much we could qualify for?? After some back and forth–mainly her trying to calm me down through email and phone calls, I was ready! I could barely sleep that night. Any time my phone chimed I was sure it was our denial—saying SORRY but you have some miscellaneous credit report problem and you are doomed to never buy a home. THANKFULLY, I was wrong. UNTHANKFULLY, I am neurotic about things like this. February 10, 2017 we received our pre approval. With that, we hit the ground running. I already knew the house that I wanted and I was ready to buy it. L did a lot of talking and I did a whole lot of sleeping with my eyes open. I think…I THINK he he said that I needed to book a ticket to Meridian and fly down there to see the house. Instead of flying to Meridian, I flew to Tulsa, picked up my parents, and we drove (my dad drove…) to Meridian.
For those of you that have not met my dad…I’m sorry-you’re loss. However, he is the best negotiator ever. Like ever ever. So I thought it would be a good idea to have that on my side. Note: he didn’t help me negotiate @ all. Turns out, home buying is NOT like car buying…people selling their homes are not just trying to move product NOR are they slimy and wear ill-fitting business suits. In fact, our seller wore a flight suit, just like L!
We arrived in Meridian, went to sleep, and woke up the next morning and began viewing houses with our realtor…Bobbie Rea of Pigford and Corey! (AMAZING group, y’all). She took us to about 7-10 houses that Saturday and by Saturday evening dinner, we had made a deal! I was so thankful that my ridiculously expensive trip to Meridian, wasn’t pointless!!! After signing contracts and getting paperwork together, all we had to do was get inspections, appraisals, and make sure all of our loan paperwork went through. FORTY-FIVE DAYS, to the day, we got funding for our loan, and before we knew it…we were in the conference room at Witherspoon & Compton (FANTASTIC closing attorney!) signing away our lives! It’s kinda funny. Everyone (mostly?) is so excited the day they can buy their first home or even fifth. But on closing day, you are basically signing your life away for 10-15-30 years! Just a crazy thought. When we made our first mortgage payment, all I could think of was…welp, only 29 years 11 months more payments to go!