And this is why I won't allow myself to get excited about this process. So a little update on the loan app, it's still in underwriting. It's been weeks and now the issue is that we paid for a vacation club program, that is not a timeshare. It was a one time purchase that is paid off in installments and we get points to use for vacation days. All of the paperwork they requested says it is not a timeshare but they are requesting more information. I know this is pretty much the hard part but it really is sucking the fun out of this and has me worried that things wont happen fast enough to break ground before Christmas and winter hits. If that doesn't happen we wont be in by May which will cause us to have to enter into a month-to-month lease at almost $1400.
Now onto our low voltage appointment. We met at the model home on Wednesday with Chesapeake System Services. CSS provides all cable, phone/internet, home audio and security things for the home. I have posted the documents below, sorry if they are too small. the best I could do.
We chose the 2 Room home Audio, Surround Sound pre-wire and added a few extra cable locations. We are also thinking about upgrading to a 4 room audio. The entire process was super easy because I am a super planer, if you can't tell already. I created 2 separate floor plans to decide my furniture layout and the layout for the electrical because I can't wait until I meet the electrician to figure it out. Yes I researched the code requirements for power outlets which helped in my furniture placement. This also allowed me to do locals for the ceiling fans/lights we are adding.
Now the fun part is to also wait for the VP to get back to us about the basement bar. We made adjustments for the entrance to be near a wall as opposed to it being near the stairs. At this point I just want to get an approval. I know understand how other bloggers have felt seeing those who have started the process after them moving further and faster.
The waiting game is really just giving me time to second guess my furniture choices and I don't think the guy could deal with another decor change. Currently floating in my head is just a very simple monochromatic neutral with no colors on the walls just in the tablescape and pillows. I have really fallen in love with the thought of medium wood tones and linen/burlap fabrics.
Ok, Ok, I am making a promise to myself and I expect you guys to hold me to it. I will not "shop", talk or look at anything house related until the loan comes out of underwriting.
Until next time.....thanks for stopping by.
Managing the lenders can be an absolute nightmare with all the required paperwork. Once we signed our contract we did not take on any new debt and just focused on paying down any debt we did have. You really want to avoid making any type of major purchases or applying for new credit going forward. Anyway congrats on the new home and building at Beechtree.
ReplyDeleteThanks Owen, I was super excited to have found your blog since we'll be neighbors soon. I will be putting up a new blog soon since we just got word we've been approved. I am normally a very calm and easy going person but for some reason the waiting game for our home is not fun at all. We are following your advice on the fact that we will not be taking on any more credit, I just love window shopping. If you're interested swing by our lot, we're F1 on Winterbourne.
DeleteCongrats on the approval. I've walked the dog over on winterbourne a few times, it's a nice quiet section. I will look out for your lot next time I'm over there
ReplyDeleteThanks too bad we'll miss them breaking ground because we'll be out of town. Im hoping our SR remembers to take pics for me to put up here.
DeleteCongrats, they broke ground. Took some photos for you
ReplyDelete