Disapponinted

Just not finding any other homes that compare to the one we couldn't get because of its roof issues...

And yet another post titled frustration

This house isn't even worth blogging about anymore. Once again, we think we'll be able to get it, when in fact we can not. I'm tired of people dragging us around and not being up front with the costs. I'm just done. I think we'll continue to be renters. And I don't want any kind of "don't give up" comments. I really am done with this. I don't expect buying a home to be easy, but it isn't worth this kind of hassle. Seriously.

Ongoing Frustration

Kevin this time... We're back to waiting to find out whether we are getting the house or not. It seems that despite our realtor's assurance that it doesn't matter whether we are applying concessions to closing or repairs, it does matter to the bank we are buying from. They seem to be willing to pay for the new roof that the house also needs, but they don't like that we corrected the allocation of concessions in our contract addendum. Waiting now to find out whether they can be convinced to go for it anyways or whether we can find a way to reduce closing costs or something to still meet the money we have to work with. Annoying to no end.

False hope

The realtor apparently read the documents wrong. We did not get the house. Disregard my last post that I just deleted.

My Back

I hurt my back a few months ago, and recently went for an MRI. I got the results back today and it's exactly what they suspected: a herniated disc.

The next step is to go to an Orthropedic specialist where they will most likely recommend giant needles full of steroids be injected into my spine, pain pills, and physical therapy.

I hate that option. I hate pain pills and I certainly don't want a giant needle stuck into my spine on several different occasions (isn't there some risk involved with that?) and there's a chance that route won't even work long-term.

My other options appear to be surgery (yuck! I think not!) Or spinal decompression therapy. I like the idea of decompression therapy. It sounds painful, but it's drug free, which is always the best option in my opinion. The problem with it is that it's very expensive and not covered by my insurance. The doctor's office says they'll fight tooth and nail for me to get the therapy if that's what I want, but there's a good chance insurance will refuse, since it's an alternative treatment. I could risk hurting my credit by taking out a small loan for the therapy, but I'm afraid to touch anything credit-wise while we're trying to get a home. You never know how some things will impact that oh-so-important credit score.

In any case, long-term pain is not an option, and I will choose anything over drugs or surgery.

If you haven't heard of spinal decompression therapy, there are two different types I could try. One is where they basically stretch your back out manually, the other is where they stretch your back out by a machine.

It's not over yet

It appears the seller *might* actually pay for a new roof. Does this make the place worth buying?

The Search Continues...

I don't really want to keep searching, but I suppose we shall. It'll be difficult to find a home now. I doubt we'll buy a house this year, and that'll mean it'll be several years before we buy a home since we need that $8k to be able to do this.

Inspection Report

The inspector just emailed me the full report. I'd be happy to share it with friends and family. Just email me if you want to see it.

Inspection Day

Inspection didn't go so well. The house needs more work than we're able to deal with, specifically a new roof and there may be something wrong with the plumbing in the master bath. The roof is an issue that we're unable to be flexible with. We certainly can't afford a new roof now, nor will we be able to afford one within a few years. So I guess this is the end of the home on Lancer Oak Dr.

Does the search continue? Or do we give up? After seeing dozens of homes, and being turned away from the few that are obviously good deals, should we even bother?

I hate that I'm sitting here crying over this home all by myself. I have to turn the house down, and I have to do it without Kevin here to comfort me and reassure me that we're making the right decision. (He's out of town on business for three weeks.)I think I know walking away from this is the right decision, but I don't want to walk away.

I'm so frustrated, stressed, upset, and tired I can't even think straight. I can't focus on anything else.

This blows.

The Damage

I've been very hesitant to put up pictures of the damage. This could very well be the reason we can't get it financed. The good news is.. it's only drywall. Drywall is cheap and easy to replace. And two windows. Those should be cheap too. It looks bad, I know. But it's the reason why we could actually get the house (and the no A/C thing, but the bank appears to be taking care of that for us.)

Wanna see where it is?

Here's the neighborhood:


Here's my drive to work:


Here's Kevin's Drive to work:

Now for the hard part...

We agreed to buy the house. Now we just need to get it inspected, appraised, and financed. I think we've figured out how we can pay for all of it, it's just a matter of getting everyone else to go along with our plan.

I'm going to get a bit emotional here because let's face it, I'm really scared. This is by far the scariest thing I've ever done in my life. It's a lot of money, there's a lot of fine print, there's a lot of work involved and there's a lot to understand. I wish there was some magical way for me to just know that we made the right decision and that everything will be okay, but unfortunately life isn't that simple.

Even though we feel like we can afford the mortgage right now, I can't help but wonder what could happen months or years down the road (especially in these uncertain economic times.) Kevin seems very confident. He feels that everything will be okay and appears 100% certain we've made the right decision, but no matter how many times we talk in circles I just can't feel the same way. I'm nervous. I'm scared. I'm cautious. I'm stressed. I'm pessimistic.

I have this nightmare that we're going to get into this home and not be able to fix the things it needs, or we find out after moving in that it needs more work that we first thought...and of course more work = more money.

I've made a list of the things that need to be done right away and am factoring those into our "closing costs"...not the actual lender closing costs, but the money we'll need to move into the home. In all, it equals more than we have. I'm not sure where that money will come from, but I can only pray that it will somehow work. We're going to save like chipmunks for the next month or so and hope that we can at least get the appliances needed to make the place work. We've been scanning craigslist looking for deals. They're out there, we just can't purchase appliances until we know for sure that we have the house; that would just be silly.

I know, at this point I'm just rambling. My sentences are all running together and what I've typed may not make any sense to anyone else, but I just need to get this stuff out of my head and onto paper (internet). I've talked about this stuff with Kevin, but it's still nice to just write it all down. And I guess I'm just looking for reassurance...something nobody out there and internet land can give me. I have no confidence in my decision making ability, I never have. I don't trust my own judgement at all, which is pretty sad. So, before I continue this pitty party I'm going to go ahead and quit typing. Yeah. I'm done typing.