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I have a key to my new house!!!!

November 27th, 2005 at 06:16 am

I don't get to move in for almost 2 weeks, but I have a key.

The closing costs ended up being about $1,000 less than we expected (I'm still not sure why, I've gone over all the figures and can't figure out where the extra money must have been (of course, DH has all the original paperwork somewhere, so I don't have that).

I'm so happy, we have a house and we still have money left in the bank.

AND, the best part? Our payment is about $15 less per month than our current rent. And the house is soooo much nicer. The payment includes taxes and insurance (I can't believe they make you pay extra for a non-escrow account). We don't have renter's insurance now (just couldn't justify the expense when everything we own is either irreplaceable - like dh's grandmother's dining set - or wouldn't be covered, or was pretty cheap anyway). House insurance is an interesting scam. Because they determined it would take $140k to rebuild our house (hmmm, it cost just about 60% of that, but whatever) they MUST insure our contents at $80k. We so do not have $80k of belongings. Even if we replaced everything new, it wouldn't come close to $80k.

But, I have a house, I have a house, I have a house. A great house. It has saltillo tile through most of the house, one bedroom has vinyl tile (which will be replaced once we save up the money) and the kitchen and bathrooms have ceramic tile. I expect we'll eventually replace those with saltillo as well - saltillo is extremely thick and the transition between the two is bothersome.

The master bath is peachy-pink. The tile, the toilet, the sink and the tub. I think we can live with it for a while, but we'll replace the toilet and the sink first. Then we'll replace the tile on the walls. The tub will just stay, we'll put a shower curtain there and it won't really show.

The other bathroom was green. The tub is still green, but everything else has been replaced and is soooo pretty.

The kitchen needs work. The cabinets are white with funky yellow doors. We'll start with just painting them and eventually redo them.

I think I've got DH to agree to stay here for a while. I love it here. It's warm and we're close to the beach and we both have good jobs. Plus, the moving and changing jobs is so stressful he isn't looking forward to it. He says the guy doing his job in San Antonio is set to retire in about 5-10 years, so he'll try to get that job then.

I fully plan to pay extra on our principle. I figure this first year, I'll just pay what we've been paying - or maybe round it up to the nearest 100. I need to get my spreadsheet set up so I can tell how much I need to pay to really accelerate our loan.

Yay!!! I have a house!!!

2 Responses to “I have a key to my new house!!!!”

  1. Anonymous Says:

    Congratulations on your new house...I hope you have many happy years there!

  2. Anonymous Says:

    Congratulations to you! Smile

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