Hello, and welcome to March!And welcome to my first post of 2023. It’s been one of the most stressful years on record, and unfortunately I haven’t felt as up to writing as usual.
But to avoid the journalistic faux pas of “burying the lede,” I shall announce that we closed on our house this past week. Monday afternoon, in fact. So that journey that really started just about a year ago has finally, mercifully! wrapped up. Getting there was really something, though.
First, as you probably know, interest rates have risen significantly as the feds fight to curb inflation, which really makes it harder for those of us who are not super rich to secure things like homes. As the cycle continued and they approached completion of our southeast Raleigh hom, we oscilated between whether we could or should take this on. In the end, we made what I think was a wise move and switched lenders as the closing costs the other would have reuired was well above what we could spare. We found a local guy who, in a month’s time, worked to get us a deal so good that we actually received a fairly nice refund at closing rather than having to pay anything. This gives us a nice leg up as we deal with starting costs like a new fridge and washer/drier.
So our original closing date was to be Februaru 15. As that approached, we hit a snag in getting all of the loan details completed and were forced to postpone to the 24th. This move initially made the price increase considerably, but negotiations ensued during which our realtor was a real help. We got things figured out, but because more paperwork had to be completed we had to postpone yet again till the 27th. So my wife and I worked the earlier half of the day and came home by noon so we could start mentally and physically preparing for closing.
We entered the law office shortly after 3, again delayed from the 2:30 time that had been initially planned because the legal folks needed to go over everything a final time with a fine-toothed comb. See how stressful it was? Then it’s listen to her read for a minute, sign, read, sign, reaad, sign, until your brain was just about oozing from your ears! Finally, mercifully! at about 4:25 we initialized the last document and she gathered them up for consultation by the legal team. And we waited… and waited… and “Um, you dated this document wrong.” Fixed, back out to them. “This number doesn’t look right.” Fixed, back out to them, “you signed too high on this one.” Grrr! Fixed, out again. At approximately 5:30, she returned with… the keys! We cheered, slapped hands, and got out of dodge before anything else could happen.
We topped that fine night off with dinner from our realtor at the Olive Garden, at which I found myself ravenous and slurped down that lasagna. “I guess that stuff’s not too hot,’ our realtor said. “Oh it is,” I replied “I just don’t care!”
Our last trip was to “our” house, completed and ready to live in sans a good scrub down. Having seen it from nearly the beginning, it was hard to fathom that the place had come together so quickly. I like the feel of it, though I’m hoping that once furniture is installed the downstairs with its nine-foot high ceiling and open-concept floor plan won’t have so much echo. We have until nearly the end of March to complete vacating our current residence, so no rushed move is required. But let the new era of my life and for us begin!