Sunday, December 19, 2010

The dream I never dared to dream

The house is mine! Okay, I guess nothing is official until I have the keys and I'm walking over that threshold. But... The offer of 65k was countered and after some negotiation, we ended up at 68.4k, buyer to pay closing costs. Not bad 't'all. I'm really excited. The house will be MINE and my mortgage payment will be less than my rent!

What a blessing this is! My lender was anything but optimistic that I'd get approved, what with my credit stains. But I was approved! And I am buying a home!

Closing date is January 18. My house is getting inspected on Monday. My house.... "My house..." I'm a single mom without a college degree in my 20's (okay, only for another few months, but still!) and I'm going to have a place I can call "MY house!" For so many years, this was never even a goal because I didn't think it would be possible. Really, it's only been since I moved back to Nampa that I started thinking "hmm.... I wonder if I could buy a house. Yeah right! That would be pretty cool though."

And now, not even a year after my return to this great city, the dream I didn't dare to dream is coming true!

I can put as many nails in the wall as I want to.

Saturday, December 11, 2010

New House!

Well, I'm going to buy a house. I never thought that I would ever buy a house as a single mom, ever! I'm soooooo excited! First, I thought I'd be approved for an awesome loan that would be $500 down. But, then, because of my ex's fiasco with our apartment (long story short: I moved out in April of 2007, he moved his girlfriend in in May, I signed off the lease, he said he'd signed too, it was a lie, so in Nov when he and his gf were evicted, all his back rent and damages hit my credit, where it still sits, despite my dispute), my lender said I don't qualify. So he ran it through for another loan, and I qualified for 3.5% down, which is still pretty great!

I put in an offer today for the house I want sooo bad. Here it is!

Pretty cute, right? Yes it's small. Just over 1000 sq ft. But other than that, it's perfect!

There's the living room. This is the only thing I wish was bigger. I can handle small bedrooms, kitchen, bathrooms, etc. But I'd really like this room to be bigger. But, really, it's not too bad. I could fit a furniture set and my piano easily enough.

There's the dining area. I like the floor.

Kitchen. Don't mind the smallness but I wish there was more counter space. Eventually, I'd put in an island between the kitchen and dining area to add more counter space. Notice the refrigerator and microwave already in the house!!

Master bedroom above.

Main bath above. There's also a master bath which is very similar.

Cool laundry room that leads to the 2 car garage. And includes a sink. Awesome!
Covered patio.

And check it:
Yeah, that's a 2 story playhouse with a slide coming out of it, and a huge storage shed!

I LOVE THIS HOUSE! It's listed at $70k, we offered 65. I'll know if the offer was accepted no later than Tuesday. WOO HOO!