Day Nine: Homebuyer Education Complete

I'm having some technical difficulties with my computer lately so my posting might be delayed. Sorry about that!

In the meantime, Jaime, my mortgage broker, is getting my paperwork in line for me to get a mortgage credit certificate (MCC). The MCC is only available to first time homebuyers. It gives me up to $2,000 off my taxes each year but it can be done in such a way that I take home more of my paycheck each month rather than wait for filing my tax return. That'll be nice!

For that, a requirement was that I needed to complete a homeowners education course. Jaime sent me a link so I could take it online, which I completed last night and got the certificate.

Now I'm just waiting for the double thumbs up. Say a prayer for me that it'll happen this week? Thanks. :)

Day One: Signed The Contract! And We Have Land!

Today was a wonderful gift from God! Let me backup. Yesterday I received a text from my salesman, Chance, who advised he was having a super sale in the neighborhood I was considering and wanted to know if I was ready to go ahead. I needed to talk to my mortgage lender first, who ran my credit report and advised I could go ahead. After the long journey Ive been on to get to this point, I am over the moon!

After brunching with my mom and praying about it, I scheduled with Chance to go pick out a lot and sign the contract this evening. We looked at a few lots, talked about slope, measured, used orange cones for visual, and I finally decided on a nice corner lot on Ignacia Drive.

This is where our home will be built!

The lot size is 62' x 110'.  The way the house will sit, the land slopes downward slightly towards the back, which means I wont have water standing at any time. My foundation will need to be built up a bit, but I don't mind. The thicker, the better! Right?! Since my house is also a two-story with a nice 10' bumpout on the backside, I'll have a bit of a view over the houses behind me that are built lower than me.

There will be a neighborhood-styled (and installed) fence on the outermost right side edge of our yard, running by the sidewalk, giving us a bit more space on the side of our house. I like that as it will give us a bit more side yard. Across the street is a light post. Im sure one day there will be a stop sign there, too.

Here is the lot looking straight on, as if we are standing in front of my house looking at it.

Below is the overall finished look of how the neighborhood is designed. My house is starred in the upper yellow section as shown. We will be the very first of 24 houses to be built on this street.

Enjoy the view today! In a couple of weeks, this will all be changing.

Welcome to Raising Ignacia!

Welcome!

This is my newest blog-venture where I will be documenting my family's journey to Ignacia. We are the first to buy and build on this street and we are excited to be able to watch every aspect of our home being built, as well as the rest of the homes on our street. And all of you future buyers of homes on Ignacia, while we wont document your homes being built, we will happily welcome you to Ignacia when your house is complete and you move in.

For me, homeownership is something I've always wanted. Ive rented for 18+ years in various apartments and houses in many different cities. However, it wasn't until I lived in Georgetown did I realize I was ready to buy. After looking at several homes, I knew this neighborhood was where I wanted to be. It offers wonderful sidewalks for walking to and from the amenity center, which I know my kids and I will frequent many times over. It has wonderful proximity to major arterials as well as the backroads to places I frequent. This will be a wonderful neighborhood to stay in.

Ignacia is in the section being built by KB Homes. I know many people have bad experiences, however thousands more have wonderful experiences.  I know there are people in this world who are quick to blame someone else for their problem when in fact it might have been their own error such as not following through with scheduled maintenance checks or not registering their appliances for warranty. I plan on documenting mine to be a voice for those who haven't gotten up to say they love their KB Home.

I am told the building process will take 4-5 months. Here, you will see a daily picture of our home's current status as well as a short synopsis of what is going on at that time. I hope you enjoy this journey as much as I do.

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