Posts Tagged ‘Housing’

Possibly looking up…

Wednesday, October 30th, 2013

So I got a phone call from the realtor today.  She noted that she had absolutely no idea that 21st Mortgage had blacklisted ELS properties.  She was furious, she’d been recommending this company to just about everyone for the past few years.  She threw out their business cards, and gave a few other companies a call for us.  One of them, First Credit Corp, has no bad dealings with ELS and she spoke to one of the main reps, he said that based on the situation he would do everything he possibly could to get us into this house by the initial closing date of November 22nd.

After Sean spoke with him, and I spoke with the realtor about a few things, we went ahead and submitted our application and forwarded over every bit of tax/income information that they could possibly need from us just to get the ball rolling and get everything taken care of as soon as possible, this way no matter what actually happens there is no ‘waiting’ period on our end.  The broker advised us that he will be able to get us a definite YES or NO by tomorrow afternoon.  So we’re back to the waiting game, but at least this time we’re dealing with a company who can actually handle the loan.

I’m still super pissed off at the previous company, but at the same time the broker AND his boss had no idea that this situation was even going on.  I know the realtor was very apologetic, and even the broker knows damn well that his company screwed up on this one, being as all of our information checks out.  I just don’t like being told “We’ll give you whatever money you need to get into a house, and I’ll even fast track any changes to address, but you can’t buy this one”.  It upsets me, and while I know this isn’t our dream home and we’re probably better off looking for something on our own land instead of a co-op/leased land, but that still doesn’t mean we aren’t ready to take the plunge and just get into our own place.

After talking to the realtor today, I wasn’t surprised to hear that even the owner of the home was pissed off too.  I really believe it’s the reason why so many homes are remaining at the “For Sale” status around here, six complexes in this area are ELS properties, and they seem to be the only ones around here that actually have good looking houses for sale. Everything else that I’ve looked at, outside of ELS but in the Rehoboth area were older homes that required a lot of work and time that Sean and I just don’t have.  On average it’s 70 hour weeks, there’s no way in hell we could factor in household maintenance on top of that.

So we’ll see what happens, hopefully tomorrow will wind up being really good news for us.  At this point we’re gonna basically say that if it doesn’t work out – we’re not going to bother to pursue it.  I really hope that isn’t the case, I really want this damn house.

Hello Delaware!!

Tuesday, September 20th, 2011

It’s been a long time coming but I’m finally back in Delaware for a few weeks. It’s been three years since I moved back to NY and I can’t tell you how much I missed it down here. The second we rolled in my eyes lit up to the point I swear they were glowing. We’re staying with Sean’s mom, it’s weird being back in the house but at the same time it feels as though I never left.

Sean’s birthday is tomorrow, I need to get myself out of the house long enough to get up to the store to pick up a few things for him. He already knows he’s getting two video games, “Gears of War 3” and “Dead Island”, I know there’s a third gift in there but I’m going to need to find it first. He knows, in the back of his mind, what it is – but has yet to figure it out so that’s good enough for me, at least there will be some kind of a surprise factor, heh.

So far we’ve hit-up the usual spots where we could be found… “The Roadhouse” in Lewes, “Casapulla’s South” in Rehoboth, and of course we trucked ourselves to the beach because neither of us has really seen one in years. I know that I live on Long ISLAND, but the beaches up there suck major, major ass. It’s not the same when you live on the North Shore. You don’t get the ISLAND feel, you get the “Oh look, there’s Connecticut and somethings floating in the LI Sound again”. So, needless to say, being able to look out and all I see is endless ocean, I’m one happy chick. I fully intend to go back a few more times before we leave.

On top of this being a change in scenery for a few weeks, there’s still some work involved.  Sean and I are both swamped with work, I’m getting mine done a bit more quickly than him, but that’s going to reverse pending a few responses from a client that’s giving us a pretty solid workflow at the moment.  I’ve got a few more sites to add to my portfolio, which is also on the agenda while I’m down here because the change in altitude and the addition of the beach has given me a whole new burst of energy and inspiration.  I’m starting to wish I never left, but circumstances back in New York made that pretty difficult for me.

I’m on the war path though, I’m looking on both Long Island and in Delaware for places to live.  My heart will always be in NY, but for some reason my soul is happier in DE.  Financially speaking, of course, DE would be the way to go but the few prospects that I’ve found don’t really thrill me too much.  One lady down the road (same complex as Sean’s mom) is offering a rental on her house for $750 a month (which is 100% doable, and a pretty good deal), but then when I showed a little interest she noted she’s actually looking to sell as soon as possible because of all of the problems with the house that her husband has been feverishly working to correct. I took a few minutes to take a walk down to the house to see if it would actually be worth it for me or Sean.  It’s a relatively decent deal but I could see exactly what she was talking about the second I walked up onto the property.  It does need a lot of work, and based on the fact that a mortgage would even be required, I’d prefer to take on a much newer model home without as many issues.  I’ll weigh the options for a little while, going back and forth between NY and DE, but for now – until we can pay the bills down quite a bit – I’m going to stay put until the opportunity to make the choice, with the financial stability, comes to the surface.

Based on how much I missed it down here, however, I do see myself coming back to visit a bit more. Yes, it will continue to be a ‘workation’ being as we do need to work in order to continue living, but having the luxury of working for yourself means you can pretty much work anywhere with a laptop and a wifi signal.  We already know that we’re coming back down in November for Punkin Chunkin but that’s something we saw advertised quite a bit while we were down here but never took advantage and actually went to enjoy it in person. It’s a three day event, I don’t see myself going all three days. But even going up to just enjoy the festivities for one day would make me pretty happy.