Or, actually, busy.
I am fried, people. I have nothing remotely creative or interesting to say, but there is so much I want to talk about. But I get home, and I cobble together something for dinner, and then I crash. For the past two weeks, Scott and I have been getting up every morning at 5 :15 a.m., without fail, to work out at the gym. And it has been awesome and life-changing and it’s good for a couple of stressballs like us but lo I am exhausted by the time I get home.
I have been getting into bed by 8:30 p.m. is my point. Eventually I’ll get used to this – right? – but for now it’s been tough because I’m already pretty tired all of the time. And truth be told, there is probably an element of me avoiding all of the packing that needs to be done, though we’ve gotten lots done already. I’ll tell you all right now, this is a crazy time to be buying a house, only in that all of the truisms people told you about loans and time spans no longer apply, and for good reason. They’re not handing this stuff out like candy as they used to. Plus, we had to go and make it more complicated by putting in for a remodeling loan to boot, which requires more paperwork and i dotting and t crossing.
Wait till you see the washer and dryer we picked out, though. They’re bringing sexy back. For real. I will probably never leave, and insist on throwing laundry-themed parties.
Anyway, say some prayers, if you’ve got them to spare, that all falls into place and we close next Friday. I have already put in our notice to our landlord, and we’ve hired movers so frankly it all needs to happen or…I really don’y’ know. I choose to say we are closing next Friday and that’s that. I’ve been assured that we should hit that date so I’m going with it.
So with work and moving, there is half-marathon training. The result of a few taunting, yet friendly, Tweets between us yesterday, Linda, AB and Eliza and I all decided to do the Mardi Gras half marathon together at the end of February. our friend, Dawn, is going to join us, and perhaps a few others as well. I’m also training for the Hustle Up The Hancock in February, so clearly I am going to be in the most rockingest shape ever by then.
I’ll still be 10 pounds heavier, I imagine, but whatever.
If I’m pregnant by then, I’ll plan accordingly, don’t you worry. I’m active enough, and in good shape, so I don’t see any reason not to do at least one of those things if I am. Seriously, pregnant women do this stuff all of the time, and I never envisioned myself as anything other than an active pregnant lady, unless a doctor told me otherwise.
Funny: AB sends me a message yesterday afternoon, saying, “Remember when we used to plan trips around drinking and smoking?” I had to laugh because, seriously: just a few years ago, even my trips that involved running involved drinking and smoking, and know there won’t be drinking or smoking going on in New Orleans this February. Well, at least for me, pregnant or not.
I’m buying houses, making babies and running half-marathons. Oh, adulthood.
I hear you on the whole loan ordeal. I just closed on a townhouse on Tuesday and I thought that the underwriting was going to kill me. I had intended to get a gift from my parents of $3500 for part of the down payment. They didn’t much like the idea of submitting to the requirements (bank statements, etc from THEM), so I decided it would be easier for me to just cash out some mutual funds. That turned into an issue because apparently you can not count stocks at more than 60% of their value when trying to calculate verified funds. They needed to have 60 days worth of statements from the mutual funds to make sure you are not getting money out of them on a regular basis. They not only need support that you cashed out the mutual funds, but that you deposit the funds in your bank account. I figured at some point, they’d just have to trust that the check would go through! I was told that a lot of this was to make sure you weren’t getting a loan for your down payment, but it was frusterating to me because the amount of money we were worried about was a really small amount and a small % of the total money that I put down. Like it made since if you were talking about 20,000, but not really $3500.
If I had to do it all over again, I’d cash out those stupid mutual funds before I applied for the loan and I’d get the gift from my parents months before.
Sister, I hear you. And we’re lucky – I’ve heard about those horror stories. In fact, with every story we hear, I get the documentation so it’s ready with our broker before it’s even asked. Our big headache has been the remodeling details. Thankfully we had three months of documentation for our savings, checking and investment accounts ready in the event they wanted those, too. Honestly, I’m perfectly comfortable with giving all of those details, and feel they should have been requesting such things all along, but I feel like there is still some catch-up in the industry in terms of what borrowers should have ready when they apply for a mortgage.
So excited for you! Trust me – you’ll close – that’s how everyone gets paid and they want their paycheck. Heh – totally remember that weird lull between running & around to get everything together and actual closing. The closing almost seemed like a let down – oh, that’s all it is? And here are the keys!
Heh. I figured it might be that way. Any suggestions for how we should celebrate to mark the occasion?
For what it is worth, I can tell you our closing was ridiculously smooth – come in, sign inches of paperwork, take keys. So many people close every day, so I imagine the odds are in your favor, considering all the previous work you said you’ve done! Also, I am jealous of a new washer/dryer combo, as I am doing laundry right now. It’s a great time to be a first-time buyer.
That is so thrilling!!!! (You pick which of the three big things you mentioned that I’m referring to, and you win the big prize of a smooch from Mexico.)
I don’t even remember what we did to celebrate – I think we took a picture of the keys. There’s always champagne & baby making. Heh.
A lovely pregnant woman was running in Andy’s marathon last weekend. She looked to be in great shape and was wearing one of those signs on her back that said Baby on Board…not that it wasn’t obvious from the front. I heard later she was only running the relay portion, but frankly, not pregnant, that is more than I want to run. I gave her a big Huzzah!
All I can think is that the new house means no more photos of bizarre stuff in your current neighbor’s yard? This is very disappointing.