1hr 5min 45seconds
At work, this is one of the few social networking sites that aren't blocked. I wanted to read short stories, but I'm coming up with precious little in the way of original ideas. I should start writing again. Maybe doing streams of consciousness would help, but I just feel silly when I attempt to rekindle that particular talent.
I started snooping on all the old journals that I've linked to and Mike had a really interesting idea to chronicle the last decade, but I fear that I would just come across as bitter and angry. This year's resolution is to be less of a bitch which basically translates into forcing myself to not be so reactive to others' attitudes and just let things go. My goal is to just be chill, not letting my feathers get ruffled over anything but the truly outrageous.
The house hunt is still a go. Experian has not returned my credit report and they keep stalling so, if they don't send me something soon, I'm going to have my little lawyer report them for violating the Fair Credit Reporting Act dealy and slap them with a fine. Maybe then they'll stop procrastinating and give me an updated report. I've already lost two houses because they haven't given me a timely response... Perfect House was perfect, but I just don't think it would've worked for us. Home was snug even though it needed work, but I could totally see where I would put my home theater and James was crazy over the wood stove. Plus, the thrill of breaking in (through the unlocked back door that the neighbors made us wise to) was too much fun and would've been an awesome story about the house.
FarmHouse is in Westminster and the asking price is about $160k, but it's huge! 15,000 square feet of land with four outer buildings surrounding the 1810 modernized farmhouse with its deck and pool. It needs a lot of work but it screams THIS IS YOUR HOME! from each room.
I figure, if I get the Homes Keys 4 Employees grant, I can potentially get $10k towards down payment/closing. Realistically, out of the 10, only 2 will really go towards down payment if I get a tax escrow and then I can apply for the MMP-2% loan which has a huge interest rate of 6.5% but will be forgiven after 4yrs. After all that, if the seller accepts my offer of $125k or less, my monthly PITI payments will be somewhere around $1050 a month. If I get an FHA loan, I'm going to go with the FHA203k loan and let the loan inspectors determine how much money I need to bring the house up to snuff. If I get the full $35k for the rehab loan, the first month or so will be spent just fixing the little things about the house that need to be fixed - like the subflooring around the radiator in the master bedroom, the basement walk-out door, the cracked basement window, etc. I hope it'll also be enough to replace the furnace, get a washer and dryer, and get a fridge and/or dishwasher.
If we get this house, James will need to be able to swing at least $700 a month into the pot. If we can fix up the outer building, we can rent it out as a room at $200-300. If we can tack on a bathroom and maybe a small kitchenette, we can raise the price to $400-700 since it would then be a one-room apartment. We'd only have to do it for the first year so, if the tenant sucks, we won't have to put up with them for too long. But, if the tenant is sweet, we can keep them forever and ever and ever and love them and hug them and pet them and name them George!
The backyard is HUGE!! Even with the big deck and the nice sized pool and the four outer buildings, it's still a big property. I have visions of enjoying weekends with James, painting the barn or swimming in the pool, or running around with the pups.
It'll be rough for that first year... but it's possible.
My New Year's Resolution should've been to stop babbling and talk only about funny, interesting stuff.
I started snooping on all the old journals that I've linked to and Mike had a really interesting idea to chronicle the last decade, but I fear that I would just come across as bitter and angry. This year's resolution is to be less of a bitch which basically translates into forcing myself to not be so reactive to others' attitudes and just let things go. My goal is to just be chill, not letting my feathers get ruffled over anything but the truly outrageous.
The house hunt is still a go. Experian has not returned my credit report and they keep stalling so, if they don't send me something soon, I'm going to have my little lawyer report them for violating the Fair Credit Reporting Act dealy and slap them with a fine. Maybe then they'll stop procrastinating and give me an updated report. I've already lost two houses because they haven't given me a timely response... Perfect House was perfect, but I just don't think it would've worked for us. Home was snug even though it needed work, but I could totally see where I would put my home theater and James was crazy over the wood stove. Plus, the thrill of breaking in (through the unlocked back door that the neighbors made us wise to) was too much fun and would've been an awesome story about the house.
FarmHouse is in Westminster and the asking price is about $160k, but it's huge! 15,000 square feet of land with four outer buildings surrounding the 1810 modernized farmhouse with its deck and pool. It needs a lot of work but it screams THIS IS YOUR HOME! from each room.
I figure, if I get the Homes Keys 4 Employees grant, I can potentially get $10k towards down payment/closing. Realistically, out of the 10, only 2 will really go towards down payment if I get a tax escrow and then I can apply for the MMP-2% loan which has a huge interest rate of 6.5% but will be forgiven after 4yrs. After all that, if the seller accepts my offer of $125k or less, my monthly PITI payments will be somewhere around $1050 a month. If I get an FHA loan, I'm going to go with the FHA203k loan and let the loan inspectors determine how much money I need to bring the house up to snuff. If I get the full $35k for the rehab loan, the first month or so will be spent just fixing the little things about the house that need to be fixed - like the subflooring around the radiator in the master bedroom, the basement walk-out door, the cracked basement window, etc. I hope it'll also be enough to replace the furnace, get a washer and dryer, and get a fridge and/or dishwasher.
If we get this house, James will need to be able to swing at least $700 a month into the pot. If we can fix up the outer building, we can rent it out as a room at $200-300. If we can tack on a bathroom and maybe a small kitchenette, we can raise the price to $400-700 since it would then be a one-room apartment. We'd only have to do it for the first year so, if the tenant sucks, we won't have to put up with them for too long. But, if the tenant is sweet, we can keep them forever and ever and ever and love them and hug them and pet them and name them George!
The backyard is HUGE!! Even with the big deck and the nice sized pool and the four outer buildings, it's still a big property. I have visions of enjoying weekends with James, painting the barn or swimming in the pool, or running around with the pups.
It'll be rough for that first year... but it's possible.
My New Year's Resolution should've been to stop babbling and talk only about funny, interesting stuff.