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Welcome, Unknown Visitor
http://www.justsnooping.com/tours/2711555/?b=false for the virtual tour (no curved walls in the house--purely an artifact of bad picture joining)
|   | Subject: 3rd Annual Pawloski Real Estate Trial
Posted Mar 1, 2012 by Happy Nerd
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| | Post: 62
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Very exciting! 
| | Subject: 3rd Annual Pawloski Real Estate Trial
Posted Mar 2, 2012 by  Willem
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| | Post: 63
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I took the tour, Amy, it looks like a pleasant place! By your description sounds like an impressive and interesting environment too, shame about the sand-blasting! Hope that doesn't happen to much. Good luck getting everything settled.
It really is gorgeous around here--we're surrounded by coastal redwoods (well, outside of town, anyway), and inland a bit is the Smith River, which flows through... I can't remember now if it's serpentine or jasper that makes the water look emerald green, and makes the soil different enough that inland from here is where darlingtonia are native.
Heck, not too far from here is the moon of Endor
| | Subject: 3rd Annual Pawloski Real Estate Trial
Posted Mar 3, 2012 by Willem
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| | Post: 65
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Heh heh that's a cool fact Amy! There might even be Ewoks and Wookies if some people are to be believed ... (= baby and adult Bigfeet!)
Lovely yard for the girls to play in as well. 
It took a long time for the  to do their work, but I'm delighted that you're finally where you wanted to be.
| | Subject: 3rd Annual Pawloski Real Estate Trial
Posted Mar 3, 2012 by Happy Nerd
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| | Post: 68
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Do you have the keys yet?
Not 'til mid April--escrow's 45 days.
We're meeting with the mortgage lady (hereby referred to as W) this afternoon. Taking turns doing so, though, for bookstore-covering purposes.
That's a lovely house, I'm so happy for you!!!
I really like the built in book case in the living room, it's very cool.
Signed stuff for W this afternoon--escrow ends April 12. We should know if we get the loan in a week and a half or so. I need to remember to take my last 2 paystubs out of my box at work and take them to W (direct deposit, so I don't always bring my stubs home). Property appraisal will be scheduled after W learns how long M owned the property--for our program, the seller has to have owned the property for at least 90 days. If M hasn't owned it for that long, then a new contract needs to be drawn up to change dates.
In other news, I decided to see what the prevailing rent is for 2 bedroom houses right now, and it's higher than our payments will be, by $100+
| | Subject: 3rd Annual Pawloski Real Estate Trial
Posted Mar 6, 2012 by Mrs Zen
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| | Post: 73
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That's, so cool. And I have serious bookcase and pinewood envy!
That's a neat house, Amy. 
And I have no doubt that in a very short space of time you will have turned it into a warm & comfortable home, filled with laughter & love.
 
Last bit of paper was signed at the end of last week in the morning, so it's likely too early to make any inquiries, especially since everything's in the underwriter's hands and not W's.
Yep, we're at the point where everything's out of our hands and it's driving me nuts when I allow myself to think about it.
Haven't heard anything about when the appraisal's going to be done, either.
Did get the pest inspection back (er, thought we weren't doing one, but OK ) and there's some dry rot in the siding, which is actually fairly normal around here *she says as wind rocks the trailer and the rain on the metal roof nearly drowns out normal conversation* so we're going ahead.
I should've stayed away from FB tonight... A friend of mine is also buying a house, and should've had the keys 5 weeks ago, had everything gone well. Heck, they signed papers last week! Now there's been an extension added, to the 15th. But this is a foreclosure that she's buying, and our house is not.
[Fosses cringers]
And yet more fun! I'd planned on calling W yesterday if she hadn't called by 4:30pm, but she called me around 3. Yay! *tosses  towards Dragonfly's PS, just in case* But not yay. Turns out that when M bought the house, the bank (M bought it as a foreclosure) hadn't registered the change in ownership with the county, and hadn't sent even a sticky note with the deed telling him to go register it. So when the title company did the title check, lo and behold, the property wasn't in M's name. It is *now*, and has been since the beginning of the week, but there's the 90-day thing... Turns out that I'd misunderstood--the having-to-have-owned-it-for-90-days *isn't* a limitation set by the loan program, but by the lender that W was brokering for. Fortunately, another lender that W has worked with in the past *doesn't* have the 90-day thing. So W cancelled the loan with the first lender, and Tom and I signed a new set of papers this morning. The appraisal hadn't been scheduled yet for the first lender, so that's not an issue. And the appraisal for lender #2 is $100 less, and is scheduled for Sodit, March 19. Even with this rather major change, it appears escrow should close on schedule, assuming our finances check out. Which we should know by the end of this month, give or take a few days.
 YAY!
It all sounds just sooooooo complicated.
If anyone is vaguely interested, the basic process here in Australia is as follows.
Step 1: Go to the bank and find out how much you can borrow. Getting pre-approval for an amount at this Step makes Step 5 very simple.
Step 2: Find a suitable property within your budget.
Step 3: Make an offer for the property through the vendors Real Estate agent.
Repeat Step 3 until the vendor accepts your offer. If a price cannot be agreed upon, go back to Step 2.
Step 4: Sign the Contract of Sale & pay a deposit on the property (generally 10%).
Step 5: Organise the loan with the bank.
Step 6: Engage the services of a Conveyancing Company\Individual to take care of legals\transfers\taxes.
Step 7: Wait until the Settlement Date (which would have been negotiated\decided as part of Step 4).
Step 8: On Settlement date, wait for a call from your Conveyancer to advise that all is well and the property has transferred to your name. Go and get the keys to your new property from the vendors Real Estate agent.
Step 9: Move in.
At no point during this process does the buyer need to engage the services of a Real Estate Agent\Realtor.
I guess I need to keep my cringers fossed ahilelonger.
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