Pre- Drywall Meeting

Hello All!

I hope everyone had a fantastic Thanksgiving! I know I enjoyed time with my family and pigging out! So a lot has happened since my last post. Our house is up and moving along really fast. We were so thrilled at how quickly everything was moving along that we thought for sure we would have a settlement date that was moved up into early December. Then we received a letter in the mail a couple of weeks ago letting us know that our orientation date is December 28th and our settlement date is December 30th. We were a little frustrated by this date, obviously since it only gives us one day to move before we would have to pay another months rent. So my husband called our Project Manager to see if there is anything that can be done, especially considering the original date we were given was December 21st and fortunately for us he believes we will be able to move this date up and he will know an exact date after the drywall goes up this week.

Which brings me to my next topic- We had our highly anticipated pre-drywall meeting with our project manager. It was a lot of fun going through all the rooms and seeing inside the walls of our new house. Prior to this meeting, we had not been inside the house at all to look, so it was extremely gratifying to finally walk through after months of waiting and dreaming :-)  I took a TON of pictures, but honestly it is quite difficult to tell which room is which in the pictures so I am only posting a few :-). 

I would say all in all we were pleasantly surprised with how great everything looked and only have a few small negatives from previous expectations. 1. There are no pendant lights hanging over the island. My project manager told me that was an upgrade that we did not select but I was a little frustrated because I was never told that was an option. In all of the pictures of the Genoa online that I can find there are pendant lights hanging over the island. He, of course said there is nothing they can do but it will be relatively easy for us to add them ourselves. I was happier knowing this. I keep forgetting that this house is changeable, silly I know. I guess I just expect everything to be perfect before we move in. 2. We requested a metal accent roof over our stoop and it wasn't installed. Our PM told us they had extra shingles which is why they shingled that area but ensured us that the metal roof will be installed. No biggie, I am sure it will. 3. We asked for an outlet in the middle of the room on the ceiling in the basement to hang a projector, it wasn't placed in the middle. Our PM said they would call someone back to fix it. 4. Lastly we asked for a HDMI hookup in the master bathroom and that wasn't done but again per our PM an easy fix. Oh and I almost forgot we were a little disappointed with the overall size of the garage, just seemed pretty small. I guess we will see when it's all done but we are thinking only one of our cars will fit comfortably in there with having my husbands tools and things too. I personally am just happy to be able to pull into a garage and be able to walk right in with my groceries. Currently where we live we only have street parking. So I have to make long trips  back and forth to car to get my groceries. Its the simple pleasures that make me happy!

Again, all in all we are very happy with everything and can't wait until next week when we (hopefully) get a new settlement date. It will definitely be tough moving around Christmas but it will be worth it when we get to sleep in our new home.

Thanks for reading!!

                                                            Front of house- Our brick

                                            Front of the house before the shingles were put on

                                              Looking into the dining room from the garage

                                                                Upstairs bedroom

                                                              Dining room windows

                                                       Living room and fireplace

                                                                      Kitchen Island

                                                                         Basement

                                                                          Basement

                                                                  Back of the house

Week Two and Three Of Construction

Luckily our new neighborhood is on my way home so I plan on swinging by weekly to check out the progress, unfortunately for me I can't wait a full week LOL so in a little over two weeks time I'm driven by at least 4 times to checkout the progress :-) This last time my husband came with me to see the progress. We get weekly calls from our PM letting us know the progress and so far everything is right on schedule and mother nature is being fantastic us! I am keeping my fingers crossed she stays happy :-)

So below you can see our basement and concrete footers and foundation has been laid on week 2 and on week 3 they have begun framing! Sorry for the bad pics on week 3, it is hard to get up high enough to see everything. I will next time, promise!

Week 2:

Week 3:

We have broken ground! Woo hoo!

Sooo sorry for my late post, I just started a new job that is consuming most of my time right now, but I just feel so blessed! So, my husband and I met with our Project Manager on September 23rd, which was a fantastic meeting. We went through all of the details, the time line, the blue prints of the house, basically just a line by line of what we selected and what they are building. One awesome thing, which I do not know if they do this in other communities- is that we had an option to have a deck added on to the house instead of have the brick facade come all of the way to the ground. We chose to have the deck because we thought that might be a really nice addition to have right away and we didn't mind having the siding go all the way to the ground in the back of the house. It's not the right choice for everyone but it was really conducive for our needs. We eventually plan on making the deck larger and run all the way across the back of the house. This was going to be a project way down the road so it will be nice to have a deck right away for grilling and enjoying that sunshine :-)

As I said, the meeting was on September 23rd, they were planning to break ground on September 30th (which they did, even though the weather report was calling for a ton of rain) and our finish date is scheduled to be December 21st, Ha! Merry Christmas to us lol. Our hope is that it will finish just a tad early. We have a little one and I don't want to be in flux during the Holidays, however, we are very excited it will finish early. Our original date we were given was January 15th, so the earlier the better. I have some pictures below. I have driven by three times since they broke ground and every day it seems like they have done so much more than they day prior. I even drove by on Saturday and they were out there working.

On another note we locked our interest rate in today as well which is very relieving and it is lower than our first initial estimate when we met with our lender. So good news all around, let pray it stays that way :-)

So all in all, so much excitement and I swear this house is going to be done before I know it! Can't wait to post more pics soon!

Getting closer to a break ground date!

I heard from my SR today with a potential date for our meeting with our project manager. Our original date was supposed to be September 7th but it looks like our 2nd deposit will be due on September 11th and then our meeting with our Project Manager should be scheduled for two weeks after that. I know we have a long wait ahead of us but I feel like this part is taking FOREVER!

Anyway :-) I will keep y'all updated once we finally meet with our project manager in a few weeks.

Thanks for reading!

First time home buyer- Battling buyers remorse

Yesterday I had some fun playing around on the Sherwin-Williams website trying to visualize what our house will look like. Buying a house for the first time is such an emotional decision and not being able to see this house and walk through it has made my buyers remorse go through the roof. Luckily, I have my husband and ladies at work talking me back off the ledge lol. Once they break ground I am hoping my second thoughts will dissipate.

My husband and I drove around our new neighborhood yesterday evening before dinner and its looking good. The house right beside us is almost done and a few lots behind us have been sold so its all very promising! No word yet on when we will be breaking ground or when our meeting with our project manager will be but hopefully soon!

Thanks for reading!

Flooring Appointment with Costen Flooring

Woo Hoo! The meeting I was most looking forward to was finally here! Call me crazy... but I really love flooring. Don't ask... I just do :-) So, I really didn't realize how many choices we would be making at this meeting. Our RH Sales Rep budgeted in our selection sheet $10,000 in flooring. Since the flooring was really important to both my husband and myself we took a good look at our budget and knew prior to the meeting that we could go up an additional $5,000 if we needed to. We weren't really sure how far the initial $10,000 would get us but from the blogs I read it would be spent pretty fast. I am glad they budgeted it in for us from the beginning though because without that, this meeting would have been a major sticker shock!

We didn't share our budget right away, but one thing I loved was that our flooring sales rep already had the lowest priced flooring out so that we didn't feel pressured into buying anything we couldn't afford. Our choices for the cabinets and granite were out including the options we chose for each bathroom. From the 14 day meeting we selected the Hazelnut glaze cabinets and St. Cecilia granite for the kitchen.

First, we began with main flooring through the first level of the house. This would include the foyer, dining room, hallways, powder room, living room, kitchen & eat in kitchen area. We had a little trouble deciding between a hand scraped dark wood (listed in the 1st picture below) or a more glossy dark wood. I really wanted a walnut finish flooring but RH didn't offer something like that. In the end the we chose the glossy finish. It is called Dundee Plank solid oak- mocha color.

Here are a couple of the options we were looking at. The first one is the hand scraped which we both liked but it was just missing something for me.

 So we added a more glossy look and that is how we chose the one you see if the middle. As soon as she set it down I knew it was the one :) The lighter color on the left was another option, but we really wanted something darker.

Next we selected the upstairs and master bedroom carpets. We chose a more neutral color for upstairs since the carpet will be visible down to the main floor. We upgraded the padding one level and the carpet one level. There was an option to upgrade the padding to a stain resistant padding for more money but we decided not to add that. I originally wanted something really nice in the master but my husband didn't really care for any of the choices so we stuck with the upgrade one level up and chose a darker tan color (the one closest to the bottom of the picture). In this picture is also including the master bathroom choices as well. We selected the dark brown cabinets from our 14 day meeting so she had that out and waiting for us.  We selected a white shower surround in the stand up shower and grey tile. I love this little mosaic tile that goes in the shower too, it has really unique pieces inside that add some character!

Below is the tile that we chose the mud room. Believe it or not this choice took forever and we were soooooo tired by the time we got to this choice. I wanted something really clean and neutral and the hubby wanted something different since we had all neutrals throughout the house. He originally selected a green... i was ok with that at first but after looking at it 20 more times throughout our appointment I just couldn't do it. So we agreed on a grayish blue color. Believe it or not we even had to pick all of the grout colors we wanted! She had a swatch of 50+ grout colors.... talk about choices, choices! Also, I want to mention that originally we didn't think we would be putting tile in the mudroom or in the upstairs bathroom but the cost was only like an extra $500- $600 and for that you may as well. 

Below is the upstairs bathroom choice. We went with the standard cabinets in there because we plan on changing the entire vanity out and putting in something nicer later on down the road. We did tile a white on the floors and white tile in the shower. 

On the far right in the picture below is the basement carpet we selected. This was the standard carpet in the house. As you can see it is SUPER thin, so seriously plan on upgrading the carpet at the very least. We selected this carpet for the basement because we plan on doing a lot of renovating down there. The basement will only be partially finished when we move in so we don't want to mess up any nice upgraded carpet with our renovations. 

The picture below is the banister color we selected and a better picture of our flooring is below that one. I just LOVE, LOVE our hardwoods so I took lots of pictures!! 

That is all for our flooring meeting. All in all it was about 2 hours and we loved every minute of it! It really helped us visualize our new home coming together and I really cannot wait to see the finished product! So, what is up next? Nothing but waiting! We are supposed to break ground in early September with a finish date of 1/15/16. Our next meeting is with our project manager to look at the blue prints and pay our remaining $2,000 to start building. I am so excited for them to break ground and see our dream house starting to come up. The lot next to us has been sold and we are just waiting on one more. Crossing our fingers it will be BEFORE we move in or only a couple of months after. We are in the only culdesac in the neighborhood so were thinking this last lot will go fast. There will be some houses built behind us but they will be pretty far back there.

Thanks for reading and I can't wait to post pics of when they break ground! 

NVR Mortgage Meeting

As I said in my first post, we had sort of already been through the home buying process, so at this meeting we knew what to expect. My husband and I were both very appreciative that the meeting took place in the model home in our new community instead of us having to drive 30+ minutes out of the way to NVR's office. They ask that you print out your bank statements, pay stubs etc. I emailed all of them over to our NVR rep prior to our meeting. I already think they use toooooo much paper for everything. I really prefer everything done electronically, personally because I can save it all to my drop box or zip drive. They will email all of your signed documents over to you if you request them to.

First off, be prepared to sign a TON of documents at this meeting and allow for about one and a half hours. Even though you haven't even selected them to be your lender they require  a lot of documents signed to start the process. With that being said I will admit this meeting was actually pretty great compared to our first experience working with a mortgage lender. We decided to look into NVR because RH was offering a $5,000 closing cost incentive if we select NVR. I don't know about you, but that is a lot of dough for me so we gave them a chance. The NVR rep sat down and went over our credit report page by page telling us what was helping us and what was hurting us and how to fix it. We had been working on fixing both of our credit report's for about a year now so there really wasn't anything else we needed to do except pay our credit card balances down to almost 2%. Apparently, that would bring our scores up another 10 points or so.

One thing I really liked about this meeting was that our mortgage rep explained different loan options to us, instead of just putting us in the FHA category right off the bat. We originally planned to go the FHA route but with Premium Mortgage Insurance being on the loan for the LIFE of the loan wasn't exactly appealing to us. In order for us to qualify for a convention loan (which the premium mortgage insurance stays on for only 11 years) we needed to raise our score's about 15 points. So, in the end we are a little nervous because now we need to wait to see in about a month or two when our credit scores are pulled again if we can qualify for a convention loan. Keep your fingers crossed for us!!

Also, we just found out a few days ago the initial underwriting was approved. I honestly wasn't too worried about that but it is nice to know we are good to go! Below is a list of documents you need to start getting your hands on prior to your meeting. Most of these items you will have on hand but if you are like me, I had to go digging for them, If you are buying this home with someone you will need to provide documents for both you and your co-borrower.

• Last 3 paycheck stubs
• Last two years filed tax returned
• Last two years W-2
• Copy of your drivers license
• Last 3 months bank statements. 
• Proof of income (documentation from your current job)

One thing I would like to note is that NVR did charge more for closing costs than our first lender but of course with the $5,000 credit it offsets it by about $3,000. So in my experience they charge about $2,000 more in closing costs. They do say in the meeting that they know they are not cheapest lol but they pride themselves on customer service and our rep mentioned many times he is rated on a survey we complete at end. We will likely go with NVR considering we have had such a good experience thus far and of course the extra $3,000 that we do not have to spent at closing doesn't hurt either :) Also, they will allow you to finance the closing costs as well if you want to.

Thanks for reading!

Next Up: Flooring Meeting (my favorite meeting so far!)