You note I said *was
*. We are currently in the process of buying a house.
House inspection was last Friday, the house is structurally sound and has very minor things that the seller shouldn't have any issues with correcting. And even if they won't, they're not deal breakers, we'll just do them ourselves. To that end, the tentative closing date is the end of April.
No matter what the house hunting/buying TV shows may show you, buying a house is not a straight forward process. They cut *a lot
* out in the name of time and expediency.
After 9/11, they passed a series of laws regarding the transfer of funds. Since we are being gifted the 20% down for the house, we have to show *exactly*
where that money is coming from- both from the person who is giving it to us, via their bank statements showing the funds are/were available at the time, copies of the check(s) sent to us, statements from our bank showing that it had been deposited AND
the deposit slips.
Loan companies want to know where *anything* over $500.00 came from. They also want 2-3 months worth of banking logs- not statements, *logs
* from the bank itself, showing every transaction. They also want a month's worth of pay stubs to compare against the bank logs. Obstensively, this is to prove that yes, you get paid what you say you do and no, you have no liens, or other debts, aside from utilities and rent or credit card bills, coming out (like child support, IRS payments, etc)
. If you can't give them the documentation they want, it's a red flag and the loan may not get approved. After you get them all the paperwork, hopefully in a timely manner, it can still take anywhere from 30 to 40 DAYS
for the loan to process.
That is where we are right now.
We have been told by both the loan officer and our realtor, we are unusual home buyers. I guess because not only did we know exactly what we were looking for and what we would and would not compromise on, but in the terms of knowing in exactly what we want to pay per month, regardless of the fact that we actually qualified for $90,000 MORE
than the house we are buying. We simply didn't want a $1,000+ house payment. We wanted to be house rich AND
comfortable money wise as well. But also because we've gotten them every bit of paperwork they asked for in a very timely manner, as in, within 24-48 hours. Apparently, some people take weeks. Hrm.
So as a result, we are *well* within the limits of our debt to income ratio. Most people apparently go for a house at the very top of what they are prequalified for, which is what leads to problems. We didn't want to go that route, having been there, done that, once already 20+ years ago.
I'll talk more about the house at a later date, but suffice it to say- it has nearly everything we wanted, especially in terms of land, with the exception of only being one bathroom instead of a minimum of one and a half. We did good.
The best part, besides the nearly 2 acres of relatively flat yard? The house is named. And it's a wonderful, wonderful name. * * * * * * *
In other news, after Mysticon, I bought myself a 7ft adjustable triloom. It finally arrived a little over a week ago and I went to work immediately making a 6ft shawl using Unplanned Peacock
Morphic Peacock Sock in the Fountain colorway, dark to light.
Unlike the 3ft triloom and my rigid heddle loom, this one requires a lot of standing, bending and walking back and forth. This was 3 hours worth of work right there. Mainly because Miss Sassy kept laying right in front of where I was working (that should have been our first hint that she wasn't well
But after a few days of working on it for a couple hours at a time, I finished the shawl now known as Water. On the loom, itself was gorgeous as is, and I couldn't wait to remove it and finish the top edge.
Needless to say, it's stunning off the loom. I will have a very hard time parting with this one, methinks, but that is why I create things like this- if I love them, I know someone else will love them as well. This was before the ends were woven in and the top edge finished off. The drape and flow was quite lovely. I plan to get more of the UPP Morphic yarns in the other colors and create more like this.
I even had enough of each color to weave a 3ft version, but light to dark, which will go to my mom as a Mother's Day gift this year. I also had enough to do 2 more 3ft shawls, one in light to medium, the other in dark to medium. They, and the large Water, will be available at the Olde Liberty Fiber Faire
the 3rd week of April. * * * * * * *
Speaking of Miss Sassy, last Thursday morning, we had to take her to the vet. Turns out, her red blood count was extremely low. Normally cats have a count of 40-45, her's was TEN
. The vet said, and I quote, "It was not enough to sustain life.
" She was literally dying in front of us and we didn't know why
They had to do a blood transfusion and tests. Ruled out a stroke (which is what we thought was going on), diabetes, kidney issues, thyroid issues and leukemia. That left a flea/tick/mosquitoe/biting fly borne disaese- hemobartella.
I blame the neighbors next door for throwing *bread* out into not only their back yard, but over the fence into ours (when I find it, it gets disposed of immediately), the result of which has attracted rats, whom have taken up residence next door but come under the fence to my side for the bird seed I no longer put out. Rats carry fleas. We've had a bad flea issue for the last year, when we hadn't had hardly *any* in the many years prior. So I blame the neighbors.
Miss Sassy is recovering quite nicely. Still a bit skinnier than we'd prefer, but she is 17 yrs old, so never really was a big Siamese. She's fighting the meds when dosed, which is always a good sign, very mouthy when we're getting dinner or lunch or really, *any* food in the kitchen. Needles us for her breakfast, then finishes Morrigan's when she walks away. And she's purring again. Almost normal.
Speaking of blood transfusion- feline blood only lasts 60 days, so most vets do not keep any on hand. Most feline blood types are compatible, I believe, with the others, but the need for feline donors is great. If you have a cat that is of a good size (over 10 lbs) and is healthy, do yourself, your friends with cats and your neighbors with cats, a favor and go get your cat blood typed and registered as a donor.
We almost lost Miss Sassy because we almost did not have a donor nearby. Thankfully, we got lucky and found one. But you simply never know when your cat or someone else's cat might suddenly need blood.
So go get your cat registered as a blood donor.}:)
Yes, I've been slack at keeping up the blog. It's been a rather busy couple of weeks. Toward the beginning of March, we decided to house hunt. It was an exhausting experience and wasn't fun at all. Looking at house you know aren't near large enough, or have too close of neighbors. Six houses in and I was ready to give up.