Showing posts with label FHA. Show all posts
Showing posts with label FHA. Show all posts

Sunday, November 24, 2013

Day 30: Daily Drive-by


Obviously nothing to report. Just enjoy the pic on this cold, rainy fall day!

Saturday, November 23, 2013

Day 29: Plot Plan Update


 
 
 
Welcome to Week #5!
 
Today Chance, my super salesman, went out in the neighborhood with the construction manager and discussed my plot plan in detail. I made my way in that direction as well, after not hearing back from him. Along with another salesman there in La Conterra, who was very helpful, we all went out to see another lot with a similar "C drain type" plot plan (same as mine, above) and we were able to see how water would drain as well as how the driveway would be graded. The lot we looked at had a 11% grade. Mine will be 14%, which means there will be greater area for water to collect. We saw water collecting just from a worker power washing. That is not okay with me.
 
They did say that when the time comes for my driveway to be paved, that I can come out and check on the grade and we could then talk about installing a French drain, if necessary. And if, once Im in the home and we have a heavy rain, water collects then I may have to make even further improvements to make sure water drains away from the home and into the yard.
 
Im not keen about their answer as there wasn't a solution offered, nor was the construction manager present. I feel as if my concerns weren't addressed, but rather the salesman said it best, "the train has left" and therefore there isn't anything I can do about it.
 
Going to talk to my broker and see what his thoughts are.
 

Wednesday, November 20, 2013

The Final Options

 
 
 
 

  • Oak cabinets in Espresso (in kitchen, nook, baths and laundry)
  • White Delicatus granite (in kitchen and nook)
  • Pietra del Norte 'Maine' polished tile backsplash
  • Shaw Landscapes 'Nightsong Hickory' laminate wood flooring (in entry, kitchen, nook, powder, pantry and laundry)
  • Shaw carpeting 'Thistle' (in all living areas) with upgraded pad
  • Emser 'Titan' tile (in upstairs bathrooms)
  • white marble countertops (in all baths and in master tub & shower surround)
  • Kids' bath will have porcelain tub with white tile surround.
  • All faucets will be Eva Watersense in Chrome except for the kitchen which is nickel.
  • All lighting fixtures will be nickel finish.
  • Room conversion - living room to study
  • One door and one extra window in lieu of the patio sliding door
  • All railing will be wrought iron instead of paint grade wood
  • Manchester walnut-stained 8-foot front door (and stunningly beautiful!)
  • Interior paint is Softer Tan (by Sherwin Williams) with white gloss 5 1/4" baseboards.
  • Exterior brick is Urbana Antique by Claymex. Paint will be Foothills and Well Bred Brown (both by Sherwin Williams).
  • Back patio will be covered and have a ceiling fan, size 8' ×16' plus a little more and steps down
  • upgraded the attic insulation
  • insulated the garage (because it also insullates the kids floors as their rooms are over it).
 



 

 
 
 
 
 
 
 

Day 26: Final Selection Day




This is it! Final Selection Day!

Today Im letting go of all of my anxiety and Im going to enjoy this moment. Many people never get to experience this in their whole entire lives. Im going to enjoy this blessing that God has bestowed upon me and be thankful and joyous.

Chance told me at our last meeting that he expected construction to begin the first week of December. Changes will happen fast then. For today, Im going to relish the serenity of the moment because in a couple short weeks, changes will happen every day!

Watch for pictures of my selections today in a separate post to follow later today, and wish me luck!

Sunday, November 10, 2013

Day 16: This Section Is Filling Up



It's a super beautiful day today. The sky is so blue. It's breezy yet not too chilly. It's a perfect day to be outside.

There are currently 8 homes with sold signs, including mine, and the two houses being built. This section is quickly filling up as the pool and 8 surrounding homes are on hold for Model homes. There aren't too many left in this section. It'll be interesting to see which direction the neighborhood expands into next.

Ive been going over the options list that my salesman sent over. Just trying to wrap my head around the things I know I want and, at the same time, sort of making a mental list of things I know my handyman can take care of for me a little at a time down the road.

Remember when I said I felt like a kid at Christmas? Christmas is here! It's going to last for about 10 days, too! Today is Peek Day. Wednesday is Preliminary Appointment Day then a week later will be Final Appointment Day. Watch for pictures to come!

Saturday, November 9, 2013

Day 15: Made an Appointment With the Design Studio




Welcome to the beginning of Week #3!

This morning I received a call from the KB Home Design Studio. They scheduled my first appointment for this Wednesday.  I'm going to pop in and browse on Monday to get my feet wet. I cant wait to see all of my options for flooring, brick, paint and more!

In neighborhood news, the two houses being built just off to the back are having their brick put on.  The kids and I walked through one of the houses (the one with the similar floorplan as ours). They have some cabinets and have been painted, but otherwise nothing has been done inside. It's exciting to see though. The kids say they cant wait to get to see our house inside. :) 

Friday, November 8, 2013

Day 14: FHA Conditionally Approved!


Late this afternoon my mortgage broker let me know that we have a conditional approval by FHA! this is it! This is the news Ive been waiting for! Yay! I am so happy!

It's a beautiful day and today has been full of great news on all fronts. I cant wait for the next phase: design!!!

Thursday, November 7, 2013

Day 13: Waiting on FHA

 
 
 
Waiting is so hard, isn't it?
 
Yesterday I did some reading online and I came across another realtor's website that talked about FHA loans and how, since the big government shut down last month, the IRS has a backlog of requests for form 4607-T from people who are trying to get their mortgages approved. It might take some time. This sort of gives me a bit of peace as I realize that it's nothing we can control. And, I know how slow the IRS is.  I shot off a text to my mortgage specialist and she advised that we might hear tomorrow or Monday.
 
*big grin*