View Full Version : New Homeowner!
05-19-2001, 11:11 PM
After endless months of waiting, the BNC and I finally closed on the new house in Naperville on Thursday. Spent the day at the new place - getting things delivered and set up (including the satellite dish :D :D :D - NO MORE GETTING STUCK WATCHING BEARS GAMES EVER!), and starting the painful but rewarding moving process. Spent the whole day out there - it really sucked having to come back into the city tonight. Won't actually move for real until the end of the month.
I still haven't quite come to grips with how great it feels - still can't quite believe the place is actually mine and not some greedy bloodsucking landlord's. Parked in my garage today - finally the days of my car getting endlessly pelted with birdsh!t :mad: are almost over!
I also can't come to grips with the money I'm spending - seems like every time I turn around I'm dropping a grand on some damn thing or another (today, almost $1100 for friggin window blinds). The credit cards are starting to melt. I'm sure it will all be worth it in the end, but the crap you never think about sure adds up.
And another cool thing - my new next door neighbor is a fellow Chiefs fan! What are the odds of that happening in suburban Chicago? I'll take it as a good omen (or if the season goes to hell, it'll be nice to have someone to share my pain with who isn't hundreds of miles away). Of course, the first object I moved into the new place was my Marcus Allen autographed mini-helmet - he got a kick out of that.
Anyway, I'm a pretty happy camper tonight. Will be even happier come June 1st. :cool:
05-19-2001, 11:21 PM
I'm sure your neighbors will Thank YOU for putting up binds in your windows....:D
Welcome to homeowners land!
Have I ever mentioned you need to learn to post
something short for a change?????
05-19-2001, 11:23 PM
I take it you saw the photo I posted the other day.... :D
05-19-2001, 11:24 PM
And that last one WAS SHORT. So is this one. :p
05-19-2001, 11:40 PM
Good man...short and quick....;)
05-20-2001, 12:11 AM
Congratulations Fazod, nothing like having your own place. I am sure you will enjoy it.
05-20-2001, 12:16 AM
Does your new neighbor also have Direct TV with the Sunday Ticket?
It would be a shame for 2 Chiefs fans, living in the Chicago suburbs right next door to each other to watch the Chiefs in each separate home.
05-20-2001, 12:18 AM
Originally posted by tommykat
Good man...short and quick....;)
Something a man hopes to never hear from a woman.:D
05-20-2001, 12:23 AM
My past experience has proven this to be a fact. Hi hon,was it good for you too..:D ??????? NOT~~~
05-20-2001, 01:08 AM
If you're still at the "Hi hon" stage then the it must have been really quick!:D
05-20-2001, 01:12 AM
:p Are you slow tonight or what?? That was just a typical male statement..HELLO???
05-20-2001, 01:15 AM
I am a typical male.
My joke is that he didn't even have time to say Hi hon
05-20-2001, 01:18 AM
So was it good hon??? :p
05-20-2001, 03:58 AM
Congrats on the new home. Where abouts in Naperville is it? Close to Rt. 59 or the Bell Tower downtown?
A former Naperville Resident
05-20-2001, 07:43 AM
Congratulations! I am close to buying my first home as well. If you don't mind me asking...What type of mortgage did you get on your house? I am not sure which way to go on this one. Could anyone else offer any suggestions?
And Tim, why didnt you get the seller to buy your blinds or knock them off the total cost? Or did you do this? What kind of haggling did you do and how did you do it?
05-20-2001, 07:52 AM
Any mortgage brokers out there??
Tim...Im glad you wont be forced to watch "dabears" anymore!!
05-20-2001, 10:38 AM
Thanks for the good wishes, guys.
Milkman, my neighbor was asking me how I set my dish up, so I think he wants to get his own. Of course, any Chief fan is welcome to watch a game with me, as long as they aren't easily offended - I tend to cuss, scream and throw things when I watch games at home :D
Marty - I'm about a mile west of the Route 59 station, overlooking the Country Lakes Golf Course and nearby protected wetlands (so I don't have to worry about losing my view). The area is really exploding. If you've been gone for a while, it was probably open farmland when you were here.
Greg, congratulations to you as well. We got an FHA mortgage - couldn't get a conventional one because we couldn't make a really big downpayment (like the one we made wasn't big enough). We'll likely refinance using a conventional in a year, assuming the rates stay low. We were also very limited with our options by the Seller. Because of the close proximity to the train station and the overall desirability of the Naperville area in general, the Seller is not inclined, nor does it have to, negotiate anything. While they were courteous and professional, I had no doubt that it was very much a "my way or the highway" type of deal, and there were plenty of people waiting in the wings. These places are sold off as quickly as they are marketed. I took what they offered, but I like it.
We were lucky to get in when we did - similar new units are now selling for $10 to 15K more than we paid. When the time comes to move on and get an actual house someday (hopefully in the KC area), I feel pretty confident that we'll make a truckload of cash on the place when we sell.
And I am thrilled about the "NO MORE BEARS" thing :D
And TK - yes, another long post - you'll just have to find it in your heart to forgive me....
05-20-2001, 10:46 AM
If you claim to be a Chiefs fan, and you haven't been doing this over the last couple of decades (especially in the Marty era), then I'd have question your passion for the Chiefs.
Fact is I'd be offended if you didn't sream, cuss and throw things.:cool:
05-20-2001, 10:57 AM
So, did you put 3% down and go 30-year FHA?
What rate did you get and who did you go through?
Im thinking about getting some bond money for First-Time Buyers with about a 1% lower rate than normal...The only catch is that if I sell within 9 years, the gov. can recapture up to 50% of the profit on the house. I dont plan on moving, but I guess you never know what is going to happen.
I have a real estate agent, but I found a home I like for sale by a builder...I think I am probably going to buy it. Anyone ever gone this way? It's about 10K less than its appraisal value.
05-20-2001, 10:59 AM
Good point, Milkman. Being a Chiefs fan is not for the mild-mannered or faint of heart...
The BB seems to be gumming up a bit, so I'll gonna take off. Besides, I've got packing to do! :D
05-20-2001, 11:27 AM
I know what you mean about the cussin' & stompin' and such during the Chiefs games. Now that Gun is Dun (Thank you Lord) maybe I'll have less to rant about this year. Usually when the wife sees I'm watching the Chiefs play she hustles the kids out , takes them to visit others, and just leaves me to simmer alone.....
05-20-2001, 12:09 PM
Greg, we put 10% down. Our rate was 7.65 (higher than conventional because of the FHA thing), we should be able to reduce this by refinancing, but will have to wait a year. It still isn't all that bad.
We went through Wells Fargo for the financing. Again, in this we were very limited in choices - the Seller only worked with three different lenders. This struck me as a bit ridiculous, but again, due to the market they were in a strong position to dictate terms. I couldn't even use my VA loan, but again, when I move on eventually, it'll still be there. Wells Fargo was okay, though.
The thing that is really messed up is what 7.65% financing equates to in real money. If we would stay in the place for 30 years (which we won't) we'd pay over double what the selling price is, adding up all the interest. Seems like a real f#cking racket to me, but unless those lotto investments pay off, I guess I'm stuck with it.
Don't know about any of the other stuff (or even much about what I did myself, for that matter). First time for me. The learning process starts here.
Jim, I concur - hopefully we'll have less to cuss about now that Gun and the Stooges are gone.
05-20-2001, 12:10 PM
Actually I am very happy for you. I think it is :cool: that you got your home. As a homeowner I know the wonderful feeling of having something that is yours. And the fun and flustration of doing all the things to it to make it just you. I wish you the very best in your new home.
Also, I like to just give you a little trouble about your posts. Hope you know I'm just kidding you?
Having your own home is a piece of Paradise;)
05-20-2001, 12:16 PM
Thanks, TK, and relax, I'm not offended. You should know by now what a write when I am....
Besides, I'm fully aware that I'm a windbag. It also doesn't help that I type really fast - easy to be wordy very quickly.
05-20-2001, 01:17 PM
I just moved back to Phoenix from Naperville in February. I almost moved into the Country Lakes area, but opted for McDowell Place (near the Steak-n-Shake on Rt 59). I agree that Naperville is bustling with growth!
Misses the downtown area
05-20-2001, 03:26 PM
Frazod: I feel your pain and joy. My wife and I just bought a new house last week and this moving crap is getting VERY old, but I know it will be worth it in the long run. I got my computer set up last night after being down for a few days so I wanted to make sure I got this hog hooked up correctly again. Have Fun!
P.S. The clown next door has a Denver Broncos mail Box. Once I get done unpacking boxes, this situation will have to be delt with fast!!
05-20-2001, 09:54 PM
home sweet home :)
05-21-2001, 12:06 AM
Wow, Marty, but for a few months we were almost neighbors. I'm only a couple of miles from where you were. You'll have to let me know if you ever plan on coming back up for a visit.
Bwana - congrats on your new move. I'm sure the extasy will make the agony worth while. I've got to check into the on-line service switch - don't want to be down for too long.
And as for the Bronco mail box :mad: I recommend a well-placed M-80. I'll have a Bronco logo in my house - in the bottom of my friggin toilet! Just have to find one that's waterproof.
05-21-2001, 06:19 AM
I can't wait to finally pull down enough cash to purchase my own home...
Of course I'm going into Journalism/Creative Writing, so you may just have to send pictures...
05-21-2001, 06:43 AM
congrats. We just bought our first home back in December. We couldn't afford the Conventional down payment either, but paying a slightly higher rate for approx. 1 year or so is well worth it. I can't wait to refinance. I love paying my own mortgage instead of my landlord's.
05-21-2001, 06:15 PM
Thanks, Brad and Mack. I too look forward to refinancing, and also will not miss paying anything for my landlord.
The moving odyssey continues...
keg in kc
05-21-2001, 06:21 PM
The future wife and I are still unpacking stuff from our move weeks ago, and a no end is in sight. We got killed by the dual bills last month so we are completely and utterly broke right now, but things should get better from this point on. Be careful of that if your utilities overlap at all (we had two weeks that overlapped and added, literally, hundreds to our monthly bills).
There's so much stuff to do, it's just insane, but I'm sure you already know what I'm talking about...
Enjoy it though, it really is nice to have a place that actually is yours. Sort of... ;)
05-21-2001, 06:29 PM
A belated congratulations on the house!
We're getting ready to dip our toes back into the pool of refinancing. I'm just waiting until next week, let the latest rate downturn from the Fed trickle down to our bank and then move.
We were at 7.75 when we bought 2 years ago. Looking to get a 7.12. That'll cut about $400 a month off the mortgage. Huzzah!!!! :D :D
Unfortunately, I can't put up my satellite dish. We have a really nice lot but it's got BIG trees. The only way to get Direct TV would be to top three of them. Somehow, I have to weigh watching the Chiefs vs the $1500 they want to trim the trees and haul them off. Guess I'll be listening to them on the Internet again this year. :(
05-21-2001, 06:31 PM
I hear you Kyle - hell, we're broke right now. The BNC just recently started working again after being unemployed for a month-and-a-half, and won't bring in another check until the end of the month. We've been abusing the credit cards like red-headed Bronco fan stepchildren - I'll be paying those g#ddamn things off for a while. Hope the Wedding Bunny brings lots of cash.... :D
As for the utilities, I don't think I'll have a problem - I've already advised all of them that I'm out of here on June 1. I also have the added advantage of having different utility companies at the new place - so paying those bloodsucking f#cks off for any inadvertent overlap will NOT be high on my list of priorities.
05-21-2001, 07:19 PM
Thanks, MCF. Good luck with your refi.
Too bad about the dish, but the good news is you have big trees. My property ends at the walls. Of course, there is no moving, raking or shoveling snow inside the walls, which I'm kind of cool with.
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