Commitment Letter and Appraisal

Today, I got news that I've been waiting for for several months. I finally got a mortgage commitment letter! When I got the congratulatory email today there was this sense of I don't know, joy and sadness at the same time. I wanted to scream from the rooftop and then I wanted to cry. I'm excited but past experience has made me extremely cautious. I have always said that I don't want to focus on the negative but there is this part of me that is feeling uncertain and doubtful. A lot has happened over the last several months and it would be heartbreaking to get this far and have to be disappointed. On the other hand, it appears that everything is coming together. Yeah, finally some good news. We have a tentative closing date of October 1, 2013. But before we get to closing I will need to be interviewed by the coop board. Thankfully I had completed my coop application package in June and the only missing document was the commitment letter, which I immediately scanned and emailed to the coop management company. We're hoping to get an interview scheduled as soon as possible, but we were informed that we may need to wait until October to meet with the board. It's a small hurdle. The property was also appraised today and we are awaiting the outcome of that report. It has been a good week.

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Guest Bedroom Reveal!

I have a long to do list for my home. The problem is trying to priorities that to do list. Every item in my home was purchase, from the farmhouse chandeliers in the upstairs bedrooms to the doorknobs. All the door knobs. Furnishing a new home is quite expensive. Even though I am giddy and excited to get this home completely furniture and renovated, I have had to take a step back. I have had to just learn to live in a minimally furniture home. I love it. I love the bare walls. I love the space. I love the feel of not having clutter. On my last blog post, I showed some pictures of my kitchen and dining room, Today I want to share a few pictures from some of the other parts of the home. It's not perfect. I still need a dresser and a mirror but those will come in time. In the meantime, this is what it looks like.

I Got Pre-Approved!

Realtor.com So, I guess I’m really doing this now. After hemming and hawing for the last few months, I’m finally ready to begin the mortgage/home search. And what better way to start than getting pre-approved. Last week, I spoke to a mortgage consultant and after submitting W2, pay stubs, banks statements, etc, I got pre-approved for a mortgage. The mortgage approval amount is pretty much what I expected if not too aggressive for my liking. I’d liked to find a lower priced property than the pre-approval amount. Also, I’m not opposed to buying a property that needs a little work, I’m just not into doing any major renovation work. I’m moving cautiously but the bottom line is, I’m once again looking at properties. I’m really excited. I feel more comfortable, confident this time around. I'm a lot calmer. Maybe because I've been through this process before. I know what I want. I know what I need. I know where I want to be. I'm not intimidated by cost or...

Furniture Shopping

One of the things I love about New York is it’s accessibility to shops. I love window shopping, especially for furniture. Yesterday my friend Dominique and I went shopping. We looked around Pier 1 Imports but there were nothing really that stood out or grabbed our attention. Disappointed, we wondered around the mass of people on the overcrowded street until we stumbled upon a store called Restoration Hardware. Neither of us had been there before, so we decided to have a look. First impression, this was definitely an upscale furniture store and nothing like down-market Pier 1 Imports. The furniture hankers back to that old Hollywood style that appealed to me. Dominique on the other hand hated it. She felt it was too over the top. We both agreed though that the look was definitely not for apartment dwellers. The furniture was large and over-sized. Personally I liked the upholstered headboards, the dining chairs, But it ...

First Home Style

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