Day 11: Disclosures Returned

This morning I returned my disclosures and shot off a couple of informational emails. I learned that my application has moved in underwriting from Denise to Leslie. It's interesting to see the path it's traveling. I wonder who will issue my final approval. Right now, Im rooting for Leslie! :)

Since it's still rainy and there isn't much to show at the site yet, I thought Id show you some other things, like this street sign. This is where I'll be! Now, when I drive by, there are now eight sold signs on this small strip of road. This section is filling up quickly. I have to admit, Im eager to see who will make it out of underwriting first and be the first to break ground. Of course,  Im still hoping it's me!

Day Ten: Disclosures Packet Arrived

 

I'm still having computer problems. I apologize but will post daily pictures as soon as possible.

Today a big packet of disclosures and other information arrived. All kinds of documents to read and sign. It's a lot to digest and even tougher to understand. These are like mock papers though because my address is incorrect and my sales price is an estimate until I pick all of my options. What that means is I get to plan on reading and signing these all over again sometime before closing.

It was a misty, rainy sort of day today and so I didn't opt to show you a picture. Nothing has changed, obviously. I like to think the rain is preparing the soil, strengthening it so that it's ready to be built upon. Soon. Very soon.

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 Eight: Panoramic View

Welcome to Week Two!

Today the kids and I grabbed a quick snack at the site of our new home. We grabbed some apples and oranges and trotted off to enjoy our quiet spot.  It's such a gorgeous day out! Here it's breezy and about 72 degrees, an absolutely lovely Texas day! After our snack, we randomly dropped the seeds in the space that would one day be the backyard. Who knows if they will actually grow into anything fruitful, but you never know.

Then the kids graciously stood on our fence lines so I could really see how big the lot is. In the pic above, I stitched three pictures together to get this panoramic shot. It makes our lot appear pie-shaped, but you get to see the whole thing. Im standing where the fences will come together and the girls are on the front edges of our lot.  There will actually be about 10' strip of grass between the fence and the sidewalk and curb (not shown here). The lot is 110 feet and our house is 40x40. Even with its 10' bumpout and covered patio, we'll have still have a nice size backyard.

Day Seven: Good Morning!

Good morning!

Today it occurred to me that one week ago today I didn't even know I would be doing this. It was a complete surprise! I can say this has been one of the happiest weeks for me. While I was pondering over this on my commute, I decided to drive by the lot right after dropping the kids off at school to see what sort of morning light we have.

This picture was taken from the side street, showing the stake that we suspect indicates where my back fence will eventually line up, looking over my lot. Turns out that the house being built (the one with the big blue dumpster in front) shields the rising sun at this time and casts a great big shadow, over my land as it is now. I hope it shadows my home, too, once its built, because it would be nice to not have sun glaring in my window this early. :)

It is a nice lot, dontcha think?