It is currently 2:45am, and I'm sitting awake in the living room on the computer. I am so excited I can't sleep! Nathan and I are closing on the house tomorrow (well, technically today), and we're more than ready! Our closing date was set for March 28, which was YESTERDAY. If I have any advice to offer about buying a house, it is to steer clear of FHA loans. Seriously, they needed a written explanation for every deposit in our account. Ridiculous. We had to provide bank statements from the last three months. No biggie... except that in the last three months we celebrated Christmas, my birthday, and Nathan's birthday, resulting in a much higher than normal rate of cash & check deposits. (hey friends & family members... I'm not complaining. Keep sharing the wealth. *wink*) Not to mention I babysit, and Nathan sells stuff on Craigslist and works on other people's vehicles on the side... It just amounted to a ridiculous number of small deposits once it was added up, which meant I was asking nearly every person who gifted us small amounts of cash for all of those three holidays to write a formal letter explaining just why they gave us money. Everything should have been worked out long before our closing date, but every time we offered an explanation on one thing, they questioned another, so we prepared another explanation, and the cycle continued until yesterday morning when we had finally hit whatever magic number they were looking for (or they got bored with ruining our lives). I can just picture a sixty year old white guy in an overpriced suit glaring at their computer studying our deposits, and deciding that we are clearly lying about every dollar in our account and are instead hard core drug dealers. That has to be a MUCH more reasonable explanation. "There's no way two college students with jobs could possibly attain money in a simple way... No. It just can't be. They are obviously trying to hide something and made large deposits directly after Christmas and their birthdays just to trick me. Boom. Drug dealers. GENIUS! Time to go count my designer suits while fanning myself with $100 bills. Later I might kick a puppy and blog about how only those who can afford heath insurance are worthy of living." note: I highly doubt that is anything close to a real underwriter... but that's about how much I hate them right now.
We get the keys at closing, but are going to wait a few weeks to move in. Our lease doesn't end until May 31st, so we have quite a bit of time. Since we have two months, we're going to go ahead and paint before we move our furniture in, and renovate the bathroom. Technically we could just pay out our lease so new people could move in to our apartment right away, but the new owner of our apartment complex (which is NKU!) pissed me off by charging us $40 a month pet rent for the last two months, when pets have always been free and they knew we only had four months left on our lease. There's no way I'm going to let them make double rent for two months. (Another tip... do not move to Campus View Apartments in Highland Heights, KY, or any apartments at all owned by NKU which is basically all in Highland Heights since they bought them all. They are also now charging $30 a month for water for a one bedroom apartment, when it used to be included in rent! Ridiculous.)
I am going to take pictures of our apartment now and then when it's empty so I can post before and after photos! It's nothing special but I am proud of our first little home. I'm happy to get away from this apartment complex, but a little sad to leave the actual apartment. We have made some memories here.
Time to make new memories in our new house!
