Saturday, April 30, 2016

Day 74: Our House

So today we decided to drive up and check out the house ONE MORE TIME before our Pre-Settlement Walk thru on May 20th.  The house is all locked up so we had to go to the sales office to borrow the key.  It was so nice to get to walk through the house with everything put together, and see it all.  There are still somethings that need to be done and cleaned but as far as seeing all the finishes come together we got a pretty good picture of that and we LOVE it!  I took a ton of photos (again) but mostly little things that need to be fixed, which probably will be before we see the house again anyway, but we just wanted to kind of look and be nit picking for a minute before we have our last walk thru with the PMs. There were a couple things that we will probably reach out to the PM about, if we decide they bother us too much to stand it.  Maybe I will post about them later but for now here is just one photo of the outside of our house.  We love it!  (Did I say that already?)

Our House

26 Days til we close... and counting!


Thursday, April 21, 2016

Week 10: Appliances, Carpet, Settlement Letter, Rate Lock...

Yesterday our SR sent us some pictures of the appliances in and the carpet installed.  Can't wait to see it in person.  Will we be able to wait to see if all at our Pre-Settlement walk through or will we "have" to go up sooner? ;)


 Love the protective stuff on the flooring... wonder if we can get them to leave it there for when we move in or do they re-use it in other houses?


We finally got the email today with our letter about settlement.  I love that its official now and actually our walk through is scheduled for sooner than I thought-- though its still about a month away on May 20th.  We are scheduled to close on May 26th.

Also today we got a voicemail and an email from our LO with today's rate and asked if we wanted to lock in our rate.  I was confused because we were always told we couldn't lock in until 30 days... today was 36.  She explained they don't do 30 day locks, only 45 and 90 (news to us, and I guess we could have locked in anytime within 9 days ago???).  My husband had a very busy day at work today and he never had a chance to listen to the voicemail or read the email in time or respond to me about locking so it didn't happen today.  Also, how do you know when you 'should' lock in?

It feels a little overwhelming that all that information is coming to us on the same day and we have to start deciding things and making plans.

The settlement letter recommends not moving into the house for at least 7 days after scheduled close in case something comes up and we don't actually close on time... anyone else's letter say the same?  Anyone wait that long to move in?  We were planning on moving in that first weekend since our lease is up at the end of May.

In other news yesterday I finally was able to speak with the school and figure out how our late year transfer will go and we got it all worked out... well, pending principal approval but it feels good to have that off my list.

Now we're looking for the best deal on moving trucks, movers, washer and dryer, ceiling fans, blinds, and more.  We have been very careful not to make any big purchases and we still are.  Tomorrow we will ask about when we can order our washer and dryer or if we need to wait still.  There are some great sales on home depot right now until April 27th... but will they be back or even better closer to Memorial day weekend? (After we close)  We've never had to buy appliances before... our last house came with all of them and the 2" blinds throughout so these things are new to us and I don't know how the sales work and when the best time to buy is.  The fact is-- we will need a washer and dryer immediately, but I hope we can find a good sale whenever we do end up buying them).

I am feeling super overwhelmed but equally excited that its starting to become a little more "real".  :)

Sunday, April 17, 2016

Week 9 Progress

Yesterday we got to drive up and see the progress on our house.  Its been a long two weeks wondering what all had been going on there, we played a little guessing game before we went up trying to guess what they had done.  From reading other people's blogs I had an idea of what would come "next" after the drywall but to say we were surprised with all they had done would be an understatement.  I took at least a hundred photos (don't worry I will only share a few) and will try to document all we saw that they had done, though I am sure there are things that I wouldn't be able to pick out that they did.

The first surprise was pulling up to the house and seeing the garage door down (this was the first time we saw it down), the sidewalks in, the driveway in, the soil they put down before the sod laid, and the landscaping already in!!! (Oh and even the mailbox was in!)


The landscaping looks really good and I like it.  I sent pictures to my brother who is a landscape management major at BYU right now, He told me the tall plants by the steps are not going to look aesthetically pleasing long term as they will grow to 15 feet high and they are fast growing.  So we will plan on moving those to the backyard before they get too large to move easily.  For now, I like them. 

Tree in front yard is a Cherry Blossom tree, that will have pretty pink flowers in the spring. 




The column was installed. :)



I had my husband run up and check the door to see if it was unlocked or if we needed to head to the sales office and get the key.  Luckily we could get in.  The first thing we noticed walking into the house was the hardwood floors were installed.


The next big thing we noticed was the kitchen cabinets were in.  We all figured they would be installed by now but we did not expect the granite counter tops to be in!  It was really fun to see the cabinets, counter tops and hardwood floors come together a little bit (they were mostly covered up).

This is the first photo I took of the house on this visit, my husband insisted I take a photo of the sink w/ his hand in it to show just how huge this sink is.  Definitely love the big sink.



The electricity was on in the house.  Thermostats were installed.



The powder room toilet, floors and sink (almost installed).  I was worried about my vinyl flooring choice, was it going to look too cheap but it actually isn't bad, we can live with it.   I don't think we will regret not having extended the hardwood into the mudroom and powder, or tiling the bathroom.  At least not to start with. 



The railings were installed but not stained yet.




The bathrooms upstairs were almost done, tile work was done, cabinets, sinks, faucets, toilets.

Master Shower, just waiting for the glass enclosure now.

Soaking tub tiled, faucet in.

Master Sinks

Kids bathroom

Kids tub, and toilet

Kids bathroom ceiling:  it was a mess in this room, attic insulation everywhere.  Not sure whats going on here, though it looks like they were looking for something.

Other things we noticed in the house were the doors being installed throughout.  The attic access panel and light in one of the master closets.


The inside of the garage.

Another drywall scavenger hunt???  This was in the family room.


The fuse box was labeled.


The tankless hot water heater was installed.


A view of the basement with the insulation on the walls.


Other things done in the house that I didn't mention, the baseboards and shoe molding is in. They had light bulbs in all the lights (some had a pink glow to them, hope that can be fixed).  The light fixtures were installed where there are light fixtures like the master closets, and the dining room.  They had the plastic cap things over all the ceiling fan rough ins. All light switches and electric outlets in (obviously), and smoke detectors. 

Happy surprise with the kitchen cabinets was the soft close drawers.  We wanted those but didn't want to ask for anything special, lucky for us they turned out to be included.  :) 

So in other news we heard this week (only because we asked our SR and then NVR when they sent us an updated closing cost estimate sheet and the "prepaid interest" had only been calculated for 6 days now instead of 31) that our pre-settlement walk through and closing will be the week of May 23rd- closing on May 26th ("firm date" but if changes will let us know). I was getting really impatient because at the rate they were building the house I knew it would be finished earlier than our contracted date and I was worried they might have us close earlier rather than later.  Finding out that they're letting us close the end of May was a little bit of a weight off my shoulders.  Though I am still having a hard time figuring out what we're doing as far as extending our lease a couple weeks or trying to stay with family or friends so the kids can finish school... or just pulling the kids out and being done with school on May 31st. Hopefully we get it figured out for sure this week, its causing more stress than its worth. 

I wrote a separate post last week about this but never posted it-- I am still just trying to just "get over it" and move on.  Seeing the house again helped me to regain some of my excitement that I had lost over this house.  Anyway, and this is totally our fault for not knowing this ahead of time, and we should have been more prepared but I wanted to share this for anyone about to start this process of building with Ryan Homes so that you don't make the same mistake that we did.  I recommend getting a real estate agent, we really thought it would just be one more person we'd have to find and deal with and that we would probably have more luck at getting a better deal if we didn't have  realtor, who would take a 3% commission from Ryan Homes.  I have no idea, how much better or worse of a deal we could have gotten with a real estate agent, however there would have been some extra knowledge and wisdom given to us, especially in the area of the sales contract.  This week when we got the new updated closing cost estimate sheet I,  for the first time noticed just how much we were paying in transfer taxes (dumb I know, but to be fair to myself I have been living in a funk since my mom passed away in December).  It seemed quite high so I did some research.  In PA, where we are building there is a 1% transfer tax from the state and another 1% transfer tax from the county (I think).  Typically this cost is split 50/50 between the buyer and seller.  HOWEVER, and it actually says this in the sales agreement that we are responsible for paying ALL transfer taxes and then in parenthesis it actually says "even if typically paid for by the seller".  ARE YOU KIDDING ME????
Had we known that before we wouldn't have agreed to that.  No way.  It seems very unfair and super shady to throw that into the contract.  We just sold a home in SC last year and we the seller were in charge of the transfer taxes/"deed stamps" (wish we could have made our buyers pay for those, we had a realtor back then how come she didn't tell us to make our buyers pay for that?!?!), never would have imagined this would be part of our closing costs.  So see a real estate agent would have come in mighty handy in this instance.
It makes me sad because why don't they just pay their half?
I have tried to make it okay because of the incentive closing help, however it is supposed to be an incentive for using their lender instead of one of our choice.   If we go with another lender we lose it.
All of this was studied and discovered when they emailed an updated closing cost estimate because their title insurance went up a whooping $600 since we will be closing after May 1st!!  ...Lame.

Okay, I have to stop talking about the transfer taxes and title insurance hike, makes me mad every time.  Probably should have started the post with the annoying stuff and ended with the fun stuff but whatever.  

I don't know when we'll go to see the house again, I imagine they will be finished before we do.  I have tried to make a list of what else needs to be done, (I'm sure I won't think of it all):
carpets, interior painting, exterior painting, front door painted, glass shower enclosure, shower curtain rod, mirror in powder room, appliances, closet shelves installed, garbage disposal, kitchen faucet, drywall touch ups in ceiling and walls, railings stained, cleaning (obviously), garage door opener, numbers on front of the house, sod laid....there really isn't too much more to do.   Before we know it, it'll be time to close and move in. :) 

Sunday, April 3, 2016

Week 7

We didn't plan on going up to see the house this weekend, but at the last minute decided to make the trip up yesterday afternoon.  We plan to go up again in a couple weeks but we knew there would be a lot of working going on in the house between now and then so this was a chance to see the house in this stage.

We were excited to see the deliveries in the garage, as well as the garage door installed (though it was wide open, so it was actually our daughter who noticed it as we were about to leave).


We also noticed they had put in our concrete walkway and step up to the front porch, as well as half of the sidewalk in front of our house and the other half was prepared with gravel and a frame. 


Our first family photo(s) on the front porch.


We got to meet our neighbors to the left who closed earlier this week, so that was exciting. 


We really loved seeing the walls up in the house.  We thought it would be warmer to walk through this time b/c it was a beautiful day and the house was insulated and the drywall was up but they had all the windows and doors were left wide open, we are assuming to let the drywall mud dry (???).  It was very windy out and our youngest was again too cold to hang out in the house with us for very long.  


 The doors are here!


Square column!  


View of the master bathroom from the walk in closet.


Another view of the shower and tub.  Love the window in here, it is basically the reason that sold me on upgrading the bathroom, of course we wanted the shower and the soaking tub so it was a win-win anyway, but the only way to have this window was to choose this particular bathroom upgrade. 


Here are two views of the upstairs hallway.  I love the open feeling this area has.  It'll be fun to see the actual railing in. 


The darkened room at the top of the stairs is the laundry room. 


We are halfway through week 7 at this point.