House Hunting in Kentucky

By on May 26, 2017

Oh, you guys! I am woefully behind in blogging these days, so I apologize (to myself as much as to you). Life has been a whirlwind of change, leaving little time or energy for writing, unfortunately. However, things are going swimmingly, so I cannot complain one little bit! 

Today, I thought I’d jump back into the blog with the story of our house hunting and buying in our new town. Everything is happening incredibly fast, but we also have been talking and dreaming about this move for years, so in a way, it’s been a long time coming. 

Mr. COD interviewed at Eastern Kentucky University on March 28-29th. He was offered the position (unofficially) on April 7, then officially on April 10. The following weekend was Easter, and at first we thought it would be too soon to think about housing. However, as we drove to visit some friends on that Friday, the more we talked, the more we realized we didn’t want to wait. Hence, on Easter Sunday, we loaded the kids into our van and drove south! 

COD HOUSE WISH LIST

  • At least two bathrooms. Our current home has just one, and it’s adequate most of the time, but anytime we have company, things become a little stressful. You just don’t want to have any issues when there’s only one bathroom, so a backup is desirable.
  • A more spacious house. We’re tired of every room in the house feeling too small. We don’t care about filling up every room with beautiful furniture or tons of stuff; we simply want room to breathe and not be tripping over each other all the time. Plus, since we’re moving further from all of our family, it’s important to us that we have ample room for guests to stay comfortably. We’d hate for our parents or siblings to feel they have to pay for a hotel room every time they visit.
  • Great outdoor space. With two small boys, our dream is for them to have plenty of adventures in our own back yard! Plus, we’re now extremely close to neighbors on all sides, and while those neighbors are fortunately wonderful, we’re ready for a lot more room between our house and any others.
  • Proximity to the university and the rest of town. Mr. COD’s drive to work is currently about thirty minutes, and while that’s not terrible, a shorter commute sounds great. Less driving time means more time for doing anything else! Working out, house and lawn chores, fun with the family are all better options than driving to work.  Plus, it saves moolah on gasoline!
  • Move-in ready, with some willingness to do small cosmetic changes over time. We’re not opposed to some DIY improvements such as painting and eventual appliance upgrades, but major foundational and structural issues were what we wanted to avoid. 

Mr. COD emailed a realtor for more information and managed to arrange for house showings on Monday, April 17. We’d already started browsing homes on Zillow and other sites and had a pretty good idea of what we wanted. 

Our appointment with the realtor wasn’t until afternoon, but being impatient, we just had to drive around in the morning and take a peek at a couple of houses we liked online. One of them was a stately old place in a beautiful neighborhood. Quiet, little traffic, yet just minutes from downtown. The yard sloped to give a beautiful view of nearby farms. 

We also took a gander at a home further out away from town. It was on a wooded lot and boasted a lovely screened-in porch in the backyard. Our first impressions were that it was pretty, but a bit too removed from town and neighbors, and we would prefer a place like the other one, where meeting people and plugging into community would be fairly easy. 

Our realtor turned out to be incredibly helpful and friendly, and we just loved working with her. After viewing half a dozen homes that Monday, we were 90% sure of which home we wanted. The in-town home we had originally liked best was a big fat NO after seeing the inside! It was a foreclosure, which didn’t necessarily rule it out for us, but it had extensive water damage, and the rooms were overall too small. Too much work to get it up to our standards! 

Anyway, we returned to our Red Roof Inn that evening worn out and fairly certain we wanted the country house. Though it was not perfect, it filled all of our must-have criteria. Plus, seeing the weird layout and required fixes at the foreclosure made it easy to focus back on the country house. 

It was during our dinner that night (we picked up pizza from the top-rated pizza joint in the area) that our realtor called to inform us that our #1 choice had just gotten an offer. WHAT?! Of course, that would be our luck. The house had been on the market for three months at that point, but the day we came to see it, somebody finally made an offer. 

We told our realtor we were close to making an offer and asked her to do what she could. She got the owners to wait and give us 24 hours before accepting the first offer. (We hadn’t even met with a bank to get financing set up, and planned to do that the next morning.) We spent the rest of that night anxious and worrying that we would lose the house. Meanwhile, Super Realtor was arranging additional showings for the next morning, before the bank meeting. We tried to remember that this one house was not the ONLY house we might ever like. 

TUESDAY

We looked at five or six more homes that morning. The boys, again, were troopers, amazing us with their patience in driving around, walking through houses, over and over. Nothing stood out this time, except for an incredible property further out in the country. It was beautiful and the surroundings were beautiful, but it also seemed to possess some risky structural flaws and damages. Plus, it was already out of our comfortable price range, so adding unknown repair costs was unappealing. 

Mr. COD had to meet with the banker, where he remembered he had frozen his credit (a recommendation by Clark Howard for security), so un-freezing it took a few extra minutes. I took the kids to a playground to burn off some energy, and we picked Mr. COD up after his meeting. Financing was in place! 

Next, we still had a couple more houses to see, sort of to make us really sure we wanted to put in an offer on the first country house. One was completely turnkey, with redone kitchen and bath and everything very nice, except for the loud highway noise audible from the backyard. Another had a funky layout and wasn’t a terrible house, but the location was awful. Right on a busy corner, with nearly zero yard space. It was after seeing this house that we were certain of our choice: the first country house (the first one we drove past before the realtor even got us in). 

Super Realtor went to her office to draw up the offer as we waited in our hotel room and put cartoons on for the boys. We agreed to go in at full asking price because we figured the other offer must have been low for them to wait on our offer at all. She called us around 3 PM to go to her office and sign everything. (Yikes! We were cutting it so close to get done by 5!) 

Fortunately, signing all of the offer papers was really easy. We didn’t even sign paper copies, just did it all digitally and quickly. We were armed against misbehaving children with a purse stocked with M’n’Ms and Mr. COD’s phone with downloaded movies. The boys didn’t go too wild in the office, but when they got antsy, we pulled out Angry Birds on the phone so we could finalize all the paperwork.  Everything was submitted by about 4 PM, just in time, so we breathed sighs of relief and waited. 

Junior and Mini COD watching Angry Birds in the realtor’s office

As another thank-you to the boys for putting up with all the house hunting shenanigans, we got them ice cream and cones to eat in our room. It wasn’t long before Super Realtor called back with the good news that we GOT THE HOUSE! 
I could hardly believe it. What a crazy couple of days! Just eight days after accepting a new job, we bought a new house! 

Little helpers

Now, of course, we still need to sell our current home…it’s been on the market about a week and is getting quite a few showings. Let’s hope we can celebrate its sale very soon as well. Fortunately, we have funds available and therefore aren’t relying on the house sale to purchase the new one. If we were, we’d be stuck renting a smaller place for awhile.

We should close on our new place in one week! It’s all moving so quickly, and we are super excited! 

Our future home’s screened-in porch and wooded view


FOMO And Our One-Year Blogiversary

By on April 14, 2017

FOMO can be a total goal-killer. That Fear Of Missing Out can cause us to buy stuff we didn’t want until we saw someone else had it. It can make us join groups and organizations even when we’re already stretched too thin. We joke about it at our church, that FOMO is what drives people to uber-participation. Overall, it has power to convince us do things we don’t really want to do. (more…)