Adventures in Home Buying...

[WNYBuckHunter]

She is. Its not her frustrating me, its people that for whatever reason arent hearing what Im telling them lol.

[phade]

Closing costs are a loose estimation until the numbers are done and signed...My closing costs turned out to be much less than estimated at the point the contract was accepted.

[growalot]

Congrats.....WNYBH

....Wiz sorry you went through that...before we bought this place I put an offer on a fantastic place on Cnty Rd 37....beautiful...contingent on the sale of ours....we were in negotiations with the ppl that bought our place when the other owners showed up at our door....visibly upset...she'd been crying

They were a retired couple building a home in Florida at the time I think Andrew..or one of those storms hit...build materials tripled over night down there and a British CEO from a company here came in and offered them 20,000 dollars more than our offer....but we still had a few weeks left to sign before they could legally get out of the contract....I loved that place but hoped some one.... some day would show the same decency to us....and let them out of the contract...I kinda avoid driving cnty Rd 37 now ..but don't regret helping them out...glad it all worked out for you..

[First-light]

I'm on my 5th home. Closing costs always exceeded the estimate. Worst case was 2500.00 best case was 250.00.

Closing costs in NYS suck, plain and simple. Everyone has their hand out, oh and remember the title person gets a tip.....

[WNYBuckHunter]

Hey grow, where on cr37?

[growalot]

I Think the nearest Rd was Lukenback(sp)?..not good with rd names...near an old (Green)Depot the property had a huge gully on it...

[WNYBuckHunter]

Down near Springwater or further south than that?

[growalot]

It would have been the very last stop for the Wayland school bus...so near Springwater...we had house hunted for several years from Bloomfield to Liester and Cohocton to Livonia..Then had op. for Colorado...sold our house and Company sent us out to find a home there...spent a week with a realtor crying...kissed the ground in NY ...saying I'd never move...never know just how good your home state is until you leave or nearly leave...but had just one week to find a place..where we are now.

Sent Mr B to Colorado for a year..then Tennessee and finally Maryland ...2yrs later...he was home again..Wild ride for a while...The day after we moved he left and the kids started school...

[WNYBuckHunter]

Ok, thats wehre I thought you were talking about. My fiance has some family that lives down there.

Sounds like a crazy time to go through. I thought I was losing my mind just buying locally lol.

[Karpteach]

Congrats on the home! It took my wife and I 1.5 years to find our home! Can't imagine not living here! Enjoy the stressful ride of home buying/owning!

[WNYBuckHunter]

We had the home inspection done last week, nothing major, but there were a few things I wanted fixed. Havent heard back yet, expecting word today. I am going in to finish up the financing paperwork today and then its just a waiting game for that to go through. We are already starting to pack things that we dont need for the next few months, mostly kids stuff and books, etc.

[WNYBuckHunter]

The final approval came though today! Closing is set for August 3rd, the day before we leave for Florida for a week and a half lol. Its a big feeling of relief now that I know its just about done. Now the work begins.

Im gonna try and have a BBQ just before bow season starts, maybe go to the 3D range and do some shooting then burn some meat at the house and have a few pops.

[burmjohn]

Grats! Let us know where and when the BBQ is

[WNYBuckHunter]

Thanks John

[Lawdwaz]

Oh Baby, Congrats!

Keep us posted on the progress.

[Deerthug]

Congrats and welcome to the word of the "money pit"! After redoing every room in the house over the last 20 yrs we are now redoing our basement for a second time. Just finished today converting from oil to gas heat and we are making the basement into another TV room. New tile, built in shelving and repaintng. Kids have outgrown the toys and such.

[WNYBuckHunter]

Thanks guys.

Yeah, I know theres a ton of stuff I need to and want to do. Im not going to go crazy with the place though, as this isnt the house we will be in forever.

[landtracdeerhunter]

Congrats WNY. Nothing like owning your own home. There's always lots to do, but fit it in with hunting season, lol. Bought our first in 82. That's when intrest rates were 16.5%. Spent a whopping 12 grand for a 2 story, 3 bedroom forcloser. Boy those days are sure gone. Good luck with the closing. Remember, the real estate agents are working for the seller.

[WNYBuckHunter]

Thanks. Actually we arent dealing with their agent, we got our own, and shes been great at getting things done for us. We lowballed the seller and got what we wanted, only had to come back up another 2500, but they paid 6k of our closing fees. Plus they bit on all of the fixes we wanted except 1, which is just trimming a tree. Add to it a 3.75% interest rate and the fact it was appraised at more than what we spent, and I would say it was a good deal.

Cant wait to get the keys in my hand....

[WNYBuckHunter]

So after a bunch of delays and setbacks and screwups on the sellers side of things, we have a firm date set for closing. Knock on wood, it will be next Friday when we close and the keys are in my hands. This whole process sucks and I am looking forward to many years before I go through it again!

[NFA-ADK]

I just kicked out my last brother and became the sole home owner. What a process, wow. Best of luck to you WNYBuckHunter I hope everything works out OK!!!

[First-light]

Nothing like closing on a house in N.Y. just remember to tip the title person!

[WNYBuckHunter]

Thanks guys! The deal being delayed has been due to the sellers and their lawyer not doing the proper paperwork, etc. Pain in my arse.

[growalot]

Best wishes...what doesn't kill you makes you stronger...lol...sit back and enjoy...We are now on the other end of home buying...mortgage gone!!!...you'll get there one day as well

[WNYBuckHunter]

Thanks Grow. We are planning on making an extra patment or two per year, which cuts a 30 year mortgage down to something like a 16 year.

Already picked up a new faucet, as we know the one in the kitchen is old and leaking from the inspection. I didnt bother having them replace it, as we hated the style of it and it was an el cheapo piece anyhow. My fiance said, hey its your first little project on the list. I told her its going to be a never ending list lol.