Almost ready for prime time

SUMMARY: move in next week! Compare and contrast to 2001

Well… This is three months since I said I would post something about the house project every day. I’m only behind by 90 days. I’m sure I will catch up eventually.

Movers will be here Tuesday and Wednesday! I am trying to be prepared. I have sketched out the furniture layout for all the rooms. I have a couple of people to help.

But the reason I brought you here all today is because of this:

August, 2001

The Last Time I Moved

SUMMARY: Reminding myself why I don't want to do that again

I plan to take photos of everything after the movers have left. I expect there to be too much stuff once again. But at least you can compare and contrast to what I moved into the house in San Jose in 2001. So, yes, despite my goals, I am more or less doing the whole thing again. But rest assured: I don’t ever want to do that again again!

>>  Visit the Wordless Wednesday site; lots of blogs. << >>  Visit Cee's Photo Challenge blog; lots of blogs. <<

Paperwork! Money!

SUMMARY: Oooooooh closing is so close!

I can't believe it has been a month since I said I'd post something daily. Hahahaha actually I am not that surprised. I have been busy, but not significantly with the house buying process.

Now, badda-bing, badda-boom, THE NEXT BIG THING HAS HAPPENED.

The Title Company* left me voicemail late yesterday (Monday) afternoon while I was out touristing that the paperwork is ready for me to sign! And they calculated how much my total payment will be! 

Thar she be! Nice green lawn (it isn't right now because it's summer and not much rain).
Patio with pergola and raised flower planters on the near side.
Small shed on the far side against the fence.
The approximate floor plan! (I'll do a larger version later.)
And my three neighbors on my cul de sac.

Today they gave me a link to a few short documents on DocuSign identifying what my final payment consists of, identifying the buyer and seller, specifying what The Title Company is allowed/not allowed to do and what they will do. Basically that's it. 

So I DocuSigned the docu's. Next, I needed to send them a whole castle-full of money. From two different banks because I split the money up from the sale of my previous house:

• Big Credit Union T*, back down in San Jose, had an online wire form that was easy to fill out and submit there. Someone called me back shortly thereafter to ask questions verifying my identity and asking things like, does this agreement require you to pay unidentified additional monies or ask for money back afterwards. Also whether I know that the property I'm buying actually exists.
• Tiny Credit Union P*, here in tiny Port Townsend, does not have an online form; not even a form online to print and fill out. Have to go in to talk to them. Good thing the one in San Jose isn't like that. When I arrived, someone else occupied the seat with the manager that I needed to occupy to have this done, I waited nearly half an hour. Actually setting up the wire transfer took no more than 10 minutes. They asked similar questions, including whether I knew that The Title Company truly existed and was truly a legit business who would not be a fly-by night thang. (I am paraphrasing all the questions for poetic license.)

So, THAT BIG THING FULL OF MONEY will be out of my figurative hands tomorrow, and into the new owner's hand this coming Monday, and then SOMEONE WILL HAND ME THE KEYS! 

So excited! So broke. [wide eyes not panicking too much really]

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* All company names changed to protect--oh, who knows. But I did it here anyway.

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New House Documents

 SUMMARY: So many things to read and sign!

Everyone seems to use DocuSign now for viewing and signing legal docs. Did this when I sold my parent's house. Also when I put my San Jose house on the market earlier this year and then, eventually, sold it. So many documents! I'm an old pro now at signing electronically.

So far for this new house, I've read and, in many cases, initialed and/or signed (maybe not everything, and not necessarily in this order):

• The responsibilities (and limitations) of a realtor (AH is handling my house hunt and purchase)
• The neighborhood (4 houses only!) CC&Rs and CC&R Amendment -- short and sweet (What are CC&Rs?)
• Short Plat (measurement, easements, and survey notes on the property)
• Original Sewer (septic system) permit drawing and info

  

  Partial septic permit

  
  
• Residential Purchase and Sale Agreement: The original offer that I made on the house (5 pages) a week ago and the seller's counter offer, which I accepted (small mods to that document)
• Addendums to the agreement that I will provide proof of available funds for purchasing and that the agreement isn't final until I have had the house inspected and accept the results 
• Blah blah standard addendums coming out my ears (just a few more single-page items providing assorted info), plus the FIRPTA (Foreign Investment Real Property Tax Act), which essentially says, nope, we're all citizens here
• An amendment to the Agreement because I didn't think about my Trust until after the Agreement was signed
• Amendment to the agreement to extend the time for completing inspections by 5 days 
• Septic inspection reports from the last 2 years
• Contract with a property inspector specifying what they do and don't inspect
• Commitment for title insurance
• Preliminary Title Report (13 pages)

Septic system access covers
(as shown on the drawing above)

Yesterday and today, I: 

• Paid the property inspector
• Paid my "earnest money" to the title company; essentially a small deposit which, in certain uncommon circumstances, I could lose if I back out of the sale. Very standard.
• Provided the title company with proof that I have the full cash purchase price covered across various banks
• Discussed with AH the inspector's preliminary verbal report, what items we would ask the seller take care of over the next week, and that I will pay for an inspection of the HVAC system (built-in vacuum) in the same timeframe (and AH will find someone to do the inspection)

Just wait until I get to Signing Day with the title company. Six squillion more documents to read and sign and then--erk--I hand over the purchase price to the title company!

Exciting! And not too scary; this will be the 5th home I've purchased over the years.

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