I'm very excited to be back. This time around I am not shooting 60 plus hours of footage and hope I have stuff to cover the interviews, this season I am planing out the pieces that I need and know exactly what I need to shoot. Only down side to this season is they are shooting during the week and I'll have to miss most of those days. But I do have a back up shooter who will get the shots I need.. hopefully. Gotta get some sleep.. have to get up at 5:30am again tomorrow.
Saturday, June 13, 2009
Guild Season 3 Day One...
I'm very excited to be back. This time around I am not shooting 60 plus hours of footage and hope I have stuff to cover the interviews, this season I am planing out the pieces that I need and know exactly what I need to shoot. Only down side to this season is they are shooting during the week and I'll have to miss most of those days. But I do have a back up shooter who will get the shots I need.. hopefully. Gotta get some sleep.. have to get up at 5:30am again tomorrow.
Friday, June 12, 2009
Kenobi is Coming Home
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Thursday, June 11, 2009
STRESSED OUT!!!!!!
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I send out SOS email to my lender, escrow and realtor this morning and about noonish started to get some answers. Escrow says mail the papers back and cross out the house price. They will send an amendment with the new price.
I then spoke with my lender where she informed me that because we are buying a house for over the appraisal price Harry and I have to pay upfront the difference in price which is $18,000 dollars. It took about a half hour for me to actually figure out why this is and soon enough just figured it's the way a lender works. So we will be pulling that money from our down payment and instead of putting down 22% will be putting down 19.5%. In the end we lowered our "borrowed" money which in turns lowers our monthly payments. I also found out that even though we applied a month ago for the loan it was just approved two days ago (on Tuesday) and that I haven't been assigned a loan officer yet so I have nobody to ask questions to for all this paperwork. They said I should be getting someone by Monday. Oh and all that paperwork I filled out for the lender is no good as they will be sending me new stuff to fill out.
Finally I spoke with my realtor and gave her the low down. The good thing is my loan was approved.. all I have to do is turn in all the paperwork and everything will be good. Now if I could just figure out all this paperwork.. luckily we have a 60 day escrow.
AHHHHH buying a house hard!!!!!
Wednesday, June 10, 2009
Updated on the House
Quick recap... we found a house in Agua Dulce, they were asking $369,900. We offered them $355,000 and they accepted. We did all the inspections and everything went pretty good. We got the appraisal back yesterday and found out that the house appraised for $325,000, which is well below the price we purchased it for, $30,000 below.
So today our realtor called and said that the seller's realtor spoke with the sellers and they crushed some numbers and came back with $343,000. That is still $18,000 below appraisal but they did drop the asking price by $12,000. I was hoping they would at least have done half but $12,000 isn't bad and I didn't really want to haggle over $3000 so we accepted their new offer. So the house was $369,900 and we are purchasing it for $343,000. That's a savings of $26,900.
Now I just have to get through all this paperwork.
So today our realtor called and said that the seller's realtor spoke with the sellers and they crushed some numbers and came back with $343,000. That is still $18,000 below appraisal but they did drop the asking price by $12,000. I was hoping they would at least have done half but $12,000 isn't bad and I didn't really want to haggle over $3000 so we accepted their new offer. So the house was $369,900 and we are purchasing it for $343,000. That's a savings of $26,900.
Now I just have to get through all this paperwork.
Tuesday, June 9, 2009
Kenobi Update
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PS... HOW CUTE IS HE!!!!!!!!
Appraisal is in...
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Monday, June 8, 2009
Updated on the House
Today has been a busy day so far for house info.
First of all we found out that because it's a manufacture home if we want to build on to it (as we plan on doing down the road) not only do we have to get a city permit but we have to get a state permit as well which just means it will take more time and money if we want to build on.
Second we got a preliminary report about our well. It takes ten days for the official report but everything looks good so far. Even though the homeowner said when they first drilled the well it was getting 17 gallons a minute, after our test it is only getting 1.19 gallons a minute. This isn't great but should be enough water for two people. We also have a 2500 to 3000 gallon water tank (finding out the exact number) so will have a nice reserve of water just in case.
Third we got our termite inspection report and I am happy to say we passed. There was on issue of some dry rot on the front deck and the seller said he would take care of it. So all is well for the termite inspection.
Fourth we sent in our "repair request" form asking for only a few things to be repaired before we move in. Currently the spa is broken but they said they would fix that. There are large amount of debris (old patio furniture and such) that needs to be removed as well as the garage doors working properly and the back door not closing properly. So all in all not a lot for them to fix.. we could have asked for me. So hopefully they'll accept our request and that part will be over.
Fifth we are still waiting for the appraisal of the house. They were missing some loan info but we got that to them today so hopefully the will have something very soon... let's just hope the house is worth what we offered for it.
So we have a few more thing to clear up but we are moving forward.. now if I could only figure out all these legal paper. I consider myself an educated man but OMG I have papers from our Escrow company, Title company and Loan company that I have to read and sign and I can't make heads or tails of it all. They don't show this part of those TV Real Estate shows. :)
First of all we found out that because it's a manufacture home if we want to build on to it (as we plan on doing down the road) not only do we have to get a city permit but we have to get a state permit as well which just means it will take more time and money if we want to build on.
Second we got a preliminary report about our well. It takes ten days for the official report but everything looks good so far. Even though the homeowner said when they first drilled the well it was getting 17 gallons a minute, after our test it is only getting 1.19 gallons a minute. This isn't great but should be enough water for two people. We also have a 2500 to 3000 gallon water tank (finding out the exact number) so will have a nice reserve of water just in case.
Third we got our termite inspection report and I am happy to say we passed. There was on issue of some dry rot on the front deck and the seller said he would take care of it. So all is well for the termite inspection.
Fourth we sent in our "repair request" form asking for only a few things to be repaired before we move in. Currently the spa is broken but they said they would fix that. There are large amount of debris (old patio furniture and such) that needs to be removed as well as the garage doors working properly and the back door not closing properly. So all in all not a lot for them to fix.. we could have asked for me. So hopefully they'll accept our request and that part will be over.
Fifth we are still waiting for the appraisal of the house. They were missing some loan info but we got that to them today so hopefully the will have something very soon... let's just hope the house is worth what we offered for it.
So we have a few more thing to clear up but we are moving forward.. now if I could only figure out all these legal paper. I consider myself an educated man but OMG I have papers from our Escrow company, Title company and Loan company that I have to read and sign and I can't make heads or tails of it all. They don't show this part of those TV Real Estate shows. :)
Sunday, June 7, 2009
The Guild: It's Back!!!
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It's Guildie time again!!!!
Recording KOTG #5 Podcast
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