Once Bitten Twice Shy

I made an on offer on the coop, which the seller quickly accepted. I was so grateful that there wasn't any back and forth negotiations. I strongly feel that both the seller and I are getting a good deal. However, having been through this process once before, I remained optimistically cautious. For the past two weeks I have had the coop board application on my desk while every now and again I would thumb through it. The coop board application is nearly $500 (which is non-refundable) and I wanted to make certain that I got mortgage application approval before submitting the documents and sent off the check. Last year when I was working with HSBC, my mortgage application was denied in underwriting. Today I spoke to my loan officer and he informed me that the underwriter has approved the application. I was beyond elated. On that great news I called my attorney and we hope to meet sometime next week to sign the contract which means I have to continue working on that coop board application tonight. Wish me luck.

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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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