Monthly Archives: April 2014

Inside Pictures

So in the last post I gave you some outside pictures, now its time I give you the inside pictures. There will be a few changes to the house once we get in it because it needs updated or needs minor repair but all in all it is a nice house.

I don’t have a picture of the downstairs bathroom, but its mega small and basically one one person can walk one way at one time lol.

Upstairs kitchen- small, needs help

Upstairs kitchen- small, needs help

Dining room into the living room

Dining room into the living room

Partial living room/hallway to the bedrooms

Partial living room/hallway to the bedrooms

Upstairs bathroom. Needs updated

Upstairs bathroom. Needs updated

Bedroom 1

Bedroom 1

Bedroom #2. Needs a closet put in, a wall, and a door to make it separate and a hallway to the garage

Bedroom #2. Needs a closet put in, a wall, and a door to make it separate and a hallway to the garage

stairs coming down to the basement

stairs coming down to the basement

View of the basement from the stairs

View of the basement from the stairs

Living room going back to the back of the basement towards the laundry room and other bedroom.

Living room going back to the back of the basement towards the laundry room and other bedroom.

Downstairs canning kitchen :)

Downstairs canning kitchen 🙂

Bedroom #3

Bedroom #3

laundry room

laundry room

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sorry again about the pictures..sigh..oh well at least you can see it! Now lets all say a prayer together that we close before Good Friday..so that Good Friday will be good for two reasons 😉

Happy Homesteading!! 😀

Advertisements
Categories: Uncategorized | Leave a comment

Is the Wait over yet?

This has been a horrible wait for this house. I guess I’ll appreciate it more right?… something like that. The temps dipped down below freezing…the house is already de-winterized, there is no heat on, there is no propane to turn the heat on…I’m a little worried.

I got a call from my loan broker and he said that underwriting is finally done and has given the ok to proceed to close! woohoo right? Now there is just this small matter of the interest rate, down payment amount, what our monthly payments will be….. sure would be nice to know some numbers. Apparently I must be patient today as the bank decides if the interest rate the broker offered is accepted or not. I don’t even know what it is but he’s already disclosed a rate we can live with and he said it will be lower than that..lets hope so.

So since it is looking hopeful that we will get this house closed sometime this week (praying constantly that it does), I thought I’d show you our “dream” home.  It better be because we did everything wrong and are going into some mega debt compared to what we are at now!

Let me just say that first..I hate the layout of the inside, but I will get over it because at least half the year I will be either outside in the garden or out in the barn..and I can design those the way I want. I just have to have a comfy chair to crochet in and do jewelry making in the winter   😉

Ok now for Picture overload:

The front of the house

The front of the house

East Side- Deck and walk out basement

East Side- Deck and walk out basement

Looking out to the east at the barn

Looking out to the east at the barn

Off Deck looking North East. There is 15 more acres of a lower lying area off to the north that is ours as well.

Off Deck looking North East. There is 15 more acres of a lower lying area off to the north that is ours as well.

View of the barn from the driveway

View of the barn from the driveway

close to the walkout basement

close to the walkout basement

Trying to decide if I should remove the bushes..

Trying to decide if I should remove the bushes..

Walkway to the front door that will be changed to concrete

Walkway to the front door that will be changed to concrete

Trying to decide a way to partially cover the "eyesore" that is the well and electric area

Trying to decide a way to partially cover the “eyesore” that is the well and electric area

Lean-to off of the back of the barn that hubby wants me to make the rabbit/chicken area. I'm thinking winter cow area.

Lean-to off of the back of the barn that hubby wants me to make the rabbit/chicken area. I’m thinking winter cow area.

Pond that is on our property. Hopefully it can support fish right now! The land to the left of that picture is ours as well.

Pond that is on our property. Hopefully it can support fish right now! The land to the left of that picture is ours as well.

Here is a better picture of what land there is..its not much..the fence is hidden in the tree line but it's at least two acres behind the pond.

Here is a better picture of what land there is..its not much..the fence is hidden in the tree line but it’s at least two acres behind the pond.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sorry things did not line up correctly. I guess its time I learn to live with things not going as planned.  Inside pics to come in the next post.

Happy Homesteading!!   😀

Categories: Uncategorized | Leave a comment

The Long Wait

You know it would be nice to share with you all the news of our new house…however it still has not happened! Look back when I wrote those posts..you’d think it would be done already!! It’s been a rough ride. First, we were approved for a conventional loan. Then when my hubby sent in his employment verification it was not what the guy had used to approve us. He used our taxes instead of hubby’s paycheck stubs.

So after that fiasco we had to try to run this thing FHA. In Indiana they hate acreage. I don’t know why but apparently FHA will only count the first 10 acres with your house in the appraisal amount. So if your property is 25 like ours, they counted the best 10 with the house and said ok its worth what your loan is.

Well long story..long, cause there is no short story here, the underwriter said no to the loan. Why? well 21 acres of the land we want to buy is in a Wildlife Habitat program. Even though the appraiser didn’t count that land in the appraisal, even though FHA was ok with financing 25 acres, the underwriter said that, should the bank foreclose, they would have a hard time selling the property. Really..um..we are buying it..why? Well it can be pulled out anytime for minimal back taxes plus it is a HUGE tax break right now. And hello Mr. Underwriter, anyone can put their property into the program so how do you know that half your loans aren’t already in one??!!

Needless to say our broker went to the bank president himself to override the underwriter. So of course all this up to this point has taken well over a month. This going over the underwriters head was just last wed. So this Monday we got the call that the bank president had a brain on his shoulders and ok’d the loan, but he wanted to make sure FHA didn’t have a problem with it. Well yesterday we got called stating that FHA didn’t care.. Hello, why would the government care that the land is in a government program?! Duh…

Right now we are still in a holding pattern. We are approved with conditions again. This time the list is shorter. When the appraiser went to the house the water heater wasn’t on and he couldn’t get into the barn, so those two things have to be looked at. Plus there was a piece of exposed wiring on the ceiling in the kitchen, so we are having someone put in a light. Hopefully once that stuff is done, then all will be great. The problem is our sales contract for this property ended Monday. So even if we get to the closing date the owner can pull out and say no.

This trusting God thing is harder than I thought……… I’ll keep you updated.    🙄

 

Happy Homesteading!!!   😀

Categories: Homesteading | Leave a comment

Create a free website or blog at WordPress.com.

%d bloggers like this: