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Archive for April, 2016

Almost Moving Day!

April 27th, 2016 at 09:50 am

It's been a long time coming, but moving day is almost here! My closing is on Friday at 10:30 AM and we're hoping to have keys in hand and start moving our possessions by 3 PM. I honestly had no idea that I didn't get the keys as soon as I signed the paperwork. The last home I purchased was a foreclosed home and I was able to get the keys immediately. Not sure if that's because it was a foreclosed home, or I just got lucky, but apparently it's typical to have to wait quite a few hours after closing until the house is "legally" yours since they have to record title paperwork, etc.

My current house is filled with boxes and it's quite annoying to maneuver through. With only 625 sq ft of living space, there isn't a lot of room for piles of boxes :/ my poor Emmett (60 lb pit bull) is going stir crazy in the house with having barely any room to play (did I mention it's been raining for 6 days straight so barely any outside time either??)

It's been awhile since my last house purchase and I had forgotten how spendy appraisals and inspections are. Inspection was $325 and Appraisal was $684. I feel like the housing industry should find a way to blend those two services... they are very similar. The Inspection company originally wanted $425 ($100 for a radon test). Considering the house I bought has a radon mitigation system AND I can go to town to the environmental center and pick up a radon test for $12 - there was no way I was paying an extra $100 for a guy to close some windows and press a button.

A few weeks ago we did have a hiccup in the mortgage underwriting process though! My lender called me saying there was a fraud alert in my name! *YIKES!* I asked if she meant someone was stealing my identity? And she clarified saying that on my application, I stated I only owned one home (my townhouse I sold) yet there was another home in my name, so it looked like I was the one attempting to commit fraud! I had no idea what she was talking about, and then she shared the address in question with me... Ohhhhhhh it's the home my dad owned. When he passed away in December, that house went into my name. I hadn't even thought of that. Not to mention I live in Montana and that home is in Minnesota - so out of sight out of mind and all that. Thank goodness this situation was cleared up easily by just giving my lender the contact information of the attorney who is handling the sale of my dad's house. But it sure was scary for a minute there! The word "fraud" is never something you want associated with your name!

Anyway, I can't wait to move! Well, the moving itself is not fun, but I love unpacking and organizing!