Now it's Officially Official

It was official before....but I felt hesitant because we still hadn't 100% organized financing our new home purchase.  Risky, right?  Well...yes and no.  Technically, we had been pre-approved for more than the amount of mortgage we need for this purchase, however, we do require mortgage insurance for CMHC (boooo....we just don't have hundreds of thousands of dollars as a down payment, evidently)!  So that was the risky part.  After speaking with our agent we were very confident the house value would not be questioned so we went ahead and made a firm offer.

Well everything is now verified and we have obtained confirmation of mortgage!

So...it's officially official.

And because writing about a house and not providing pictures is just plain mean....here you have it:

We hope to eventually do some landscaping and get rid of the wine/burgundy door & trim:

Front entryway with a good closet for our many (many) shoes and coats:

 

Hallway looking towards the den:

 

Living Room:

 

Kitchen/Dining Room:

 

 

 

 

 

Den: 

 

Recreation Room:

 

Back Yard:

 

Can't wait to host friends on the deck in summer:

 

Mortgage, Here We Come!

....Well it's official!  We will be homeowners once again on May 15, 2015!

As mentioned in the last post, we made an offer (okay, we made a BULLY offer) on a house that we absolutely love and felt we would be miserable if we didn't give it our best shot.

The current owners signed our offer back (at $10K higher than our initial offer) and we signed back offering $5K more.

SOLD!

So as I alternate between moments of euphoria and intense panic, I dream about moving into our new pride and joy.

Now I suppose it's time to organize a little thing called a mortgage. 

Is Barfing an Option?

Well I think we can all agree that after not posting for more than a year posting twice in a single month is pretty freaking stupendous, don't you agree?

To be honest, I'm creating this post for very selfish reasons.  I may combust if I don't blog.

As mentioned in my previous post, Super Husband and I are furiously (desperately) house hunting right now.  Every time I tell someone we are looking I hear "Oh how fun"!  NO!  It's not fun!  It is sucking away my will to live as a matter of fact!  For the last 3.5 years we have been renting.  During at least two of those years we have been actively looking.  Let's also not forget about the year we spent sharing a house with a drug dealer.  But I digress.

So here we are.  FINALLY in a position to snatch up a new pad and I literally want to barf.

Why?

The money
The emotional toll the last few years have taken on us
The competition

Honestly, the competition is the worst of all these evils.

Currently it is a sellers' market.  They hold the upper hand in this nasty game of real estate.  We live and are targeting an area that is hot and lousy with investors (aka: developers) ready to pay top price for a piece of property only to rip down the house and erect a 2.1 million dollar monstrosity.  They have resources that we cannot compete against.

Super Husband and I had resolved ourselves to buying a real "fixer-upper" as long as we could find one in our budget.  And then we went to the house viewing to end all house viewings last night.  I mean it was like there were freaking angels singing to me as I toured this place.  As a matter of fact, I actually cried when I saw the kitchen.  And the house is listed in our budget.  How awesome is that?!?!

But like all things too good to be true we fear it is.  Naturally, they are holding off on offers until next Thursday.  Sigh.  What does this mean?  It means that they want to create a bidding war. 

Now, the interesting thing is, our agent also happens to be the selling agent.  In other words they are representing both sides.  They have a lot to gain (commission-wise) if they bring the winning bid to the table.

So in my fit of terror during the viewing last night I turned to the agent and said "can't we just make an offer now"?  Apparently the answer is yes.  It's known as making a "Bully Offer" when you jump the queue, so to speak.  Technically, the house is still not public knowledge as it will not appear on MLS until tomorrow.  So we have today to make our best offer as attractive as possible and snag it before other buyers swoop in and shatter our dreams.

So as I sit here and write this, the bank is preparing a certified deposit cheque that we will provide with our offer (which is well above the list price).  We are waiving all conditions and targeting a close date that is in alignment with the desires of the seller.

Will it be enough?

I don't know.  Super Husband and I both hope so.  We have alreadyy fallen in love.  We hope to not end up with broken hearts.

Whaaaat?

Holy Crap!  How did that happen?  I blinked and suddenly came to the realization that I didn't make a single post in this blog in all of 2014.  And here I am....in 2015.  The ultimate blog fail, apparently.

I will humbly forge ahead. 

So here we are, in January 2015 (Happy New Year)!  Let me bring everyone up to speed.

Buddy is 6 (going on 33) and in Grade 1.  He is currently obsessed with Minecraft, Stampycat and winning.  Yes, winning.  Part of me is appalled, however, the other part wants to give him a high five. 

Little Man is 5 and like a non-stop tornado.  He loves to draw, document his life in his notebook (future blogger)? and bike like a rockstar.

As for myself and Super Husband?  Not too much to report.  Lots of work, routine and house hunting these days.  Yup, that's correct, we are FINALLY (maybe) going to purchase our "forever home".  If we can find one that we can purchase AND still affort to eat afterwards.  Tall order.

Anyone familiar with the series of pictures posted on the internet about "Why my toddler is crying"?   Google it.  It's hilarious and every parent can identify.  It has pictures of random kids screaming and melting down.  Under each picture there is an explanation telling why they are so upset.  Things like:  "I told her that her sweater looks warm" or "I wouldn't let him play with the dog poo".  Well, I may be able to gather enough material single-handedly to create a site displaying reasons my SIX year old son is crying.  Last night I could have added some beauties like "Because his Tiddlywink landed in the incorrect point category" or "Because he recalls being a better soccer player last summer than today".

These meltdowns were happening while Super Husband cleaned the kitchen furiously.  Why, you ask?  Because he removed the blender lid and shoved a bamboo spoon in while it was turned on.  What was he making, you ask?  Blueberry smoothie, of course!  Our previously white kitchen ceiling (and blinds, backsplash and walls) now have a lovely blue hue.  Oh, also Super Husband's face.

The really shitty part?

The smoothie was undrinkable due to the bamboo shards distributed throughout.

I think we can all agree that wine would have been the better option.