part four of our home buying journey

October 25, 2016

Let's see... where did we leave off? We were talking about money and how much of it you'll hand over, up front, when taking the FHA route for your home loan. So far I've explained Earnest Money, Due Diligence, and Home Inspection options and subsequent costs. Now I'll explain appraisals.

It sounds pretty self explanatory. Most people know how jewelry or auto appraisals work, and home appraisals are similar, but they can make or break your entire loan approval. Seriously, you can have all your ducks in a row in every other area, but if the appraisal doesn't line up with the rest of those ducks, it'll be time to re-group.

Let me explain.

Tacos Del Chavo

October 23, 2016 Kennesaw, GA

part three of our home buying journey

October 18, 2016

Let's talk about money, honey. 

Last week I explained the joys of house hunting and ended on a rather positive note: making an offer. Today I'm breaking down some up-front costs. 

Everyone knows buying a house is a big transaction, but we had no clue how much money would be leaving our bank account before we could even call the house ours. There's a shortlist of checks to write before the down payment happens, most of which are non-refundable if the deal falls through, and much of which is handed over during the due diligence period.

Two for two

October 16, 2016 Buckhead, Atlanta

Buttermilk kitchen is two for two.
Also, i have some wonderful friends.
That is all.

part two of our home buying journey

October 11, 2016 Atlanta, GA

(Read part one here)

Last week I talked about all the information we needed to digest before we could even start looking for a house. Today I'm sharing all the joys of house hunting. To be clear, it's nothing like what they show on HGTV.

As I mentioned in the last post, we went with a FHA loan, so we could only look at places that were "FHA Approved." Some sellers won't even entertain buyers who are going through the Federal Housing Administration for their loan because there are such strict approval requirements. Most condominiums were off limits, but since we had our eyes set on an actual house, it was no biggie. Still, that's something to keep in mind if you're looking to buy a condo.

Also, before I jump in, I should mention that a pre-approval letter is typically required before a real estate agent will start showing you any properties (see last week's post for more pre-approval info).

a seat at the table

October 6, 2016

Man. Where do I even begin with this album?

First off, it's been a while since I've actually been excited about some new music. I didn't know Solange was releasing a new album, but when I found out, I rushed to get my hands on a digital copy. I've been a Solange fan since her Sol-Angel and the Hadley St. Dreams album. "Tony" is still in rotation on my iPod (yes, I still use an iPod).

part one of our home buying journey

October 4, 2016 Atlanta, GA

I looked at this photo and saw all the things I wanted to add/fix in our living room, but as I started to type everything out I realized I should stop and take a second to appreciate the space and our home for what it is, as it is. Sure I want to swap out that hand-me-down rug for something larger and lighter, add a plant in the empty corner, get a proper stand for the record player in the other corner, add some art or pictures on the walls, etc. but this home already deserves some appreciation, and I appreciate it.

I never wrote about the journey it took to get here, and that's mainly because I quickly discovered that first-time home buying wasn't so fun. It was stressful. It was confusing. It was intimidating. It was triggering to anxiety I didn't even know I had. 

Once the papers were signed and we got the keys, however, it was all worth it. There's something about knowing you won't have to negotiate your lease in 12 months or look for somewhere else to live that makes you feel a little bit more stable. I remember moving in and thinking now we don't have to move for a while. Thank God. Because nobody likes moving.

So about the process. I'm writing about it now because I knew absolutely nothing when we started down this road, and it would've been nice to read someone else's experience (I did read Cece's post about a week before closing and could relate to every single word). We started looking for something in February and closed on the place in May. Three months probably doesn't sound like a long time in the grand scheme of things, but when you're in the thick of it, it's like waiting for the storm to blow over.

I'll be breaking everything down, step by step, over the next few weeks. I'm bringing tips to make you smile, so don't you touch that dial. ;)

Let's jump in.

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