[Blackmirror]

All the best FG
Hugs xxx

[valley]

Originally Posted by Farmgirl22

It's official....my hubby got a better job!! Yay! We don't know that the financial situation is going to be much different because the cost of living there is higher than here by a bit--and he's only getting a bit of a raise....but there's somewhere for him to move up to, and more opportunities for raises and such.

So I've been on the phone nearly all week talking to realtors, mortgage lenders, etc. because there aren't many (if any) rental prospects in the area that we are looking to move to. We've tried to be smart about the mortgage thing--knowing that it's a huge debt that has to be paid off eventually--so we are sticking to a range that we are comfortable with. It's making our house hunt harder, because we are limiting our budget so much, but we don't want any nasty surprises. The bank says we'll be able to afford a lot more than we think we can, but like I said--I don't want to find out that they are wrong the hard way.

So anyway, be on the lookout for posts asking how to remodel bathrooms/kitchens/etc. in the home-improvement forum....because we are probably going to end up with a "fixer-upper". Which is OK with me....I like the work--it'll be a nice change from from what I'm doing now.

That is totally awesome! I hope this fresh start gives you a new hope for the future. Dont stay away long and keep us posted! *hugs*

[grandma77]

Sounds great farmgirl. Hope this does give you a fresh start...at least you won't have to worry about lazy landlords anymore. Just make sure you get the right kind of mortgage and you will be fine.

[idar]

Does this mean you're leaving KANSAS???

Good luck FarmGirl. Hope you find just the right house. Make sure that fixer-upper is fixable!

[Farmgirl22]

Originally Posted by ashes@work

Thats great Becca... Enjoy!!!

Thank you!

Originally Posted by franca

Bloom where you are planted
with roots that are firm and strong
May you prosper in all you do
with a life that's full and long

Good luck as you set your goals
for the future days ahead
Follow where your heart leads you
it'll take you where it's led

Good Luck!........

Thanks Franca, that's a cute poem.

Originally Posted by Blackmirror

All the best FG
Hugs xxx

Thanks! *HUGS* back!

Originally Posted by valley

That is totally awesome! I hope this fresh start gives you a new hope for the future. Dont stay away long and keep us posted! *hugs*

We aren't moving quite yet, my hubby has another week at his job--plus we don't have the house found yet. Soon though!

Originally Posted by grandma77

Sounds great farmgirl. Hope this does give you a fresh start...at least you won't have to worry about lazy landlords anymore. Just make sure you get the right kind of mortgage and you will be fine.

Ugh! Don't remind me about lazy landlords...I'll be ever-so-grateful to be done with them!! I hope we're getting the right mortgage--it's fixed rate, no down payment (except closing costs), no early pay-off penalty, low-interest.....but we're still nervous--terrified actually. It's a lot to take on when we've been going through some rocky financial stuff lately. That's why we set our payment at about what we pay now for rent--we know that we can do that.

Originally Posted by idar

Does this mean you're leaving KANSAS???

Good luck FarmGirl. Hope you find just the right house. Make sure that fixer-upper is fixable!

Unfortunately, no...still in Kansas....just closer to civilization than we are here. Which is a definite plus--maybe we'll even get TV!!!! Yeah, I'm worried about that being a problem...between that and just having the funding to FIX the "fixer-upper"....which, we don't know that we will end up in that situation, because we haven't found a house yet, but I just have a feeling that's what we'll end up in. Well, that and there is this one......we saw it online, and have no idea what all work will need done on it (never seen it or talked with anyone about it yet), but it has 3 acres with it--which would be awesome!! But for what it is (old modular in need of repair), the price is a bit steep, and we don't know that we could talk them down enough to make it feasible. Plus, I'm not overjoyed about the thought of purchasing a modular--I've been told that they lose half of their value as soon as they pull off of the lot....this one is around 30 years old--so it's probably not worth anything if it wasn't REALLY taken care of.

We'll just have to see--whatever happens, it's going to work out. *fingers crossed*

[idar]

Originally Posted by Farmgirl22

Plus, I'm not overjoyed about the thought of purchasing a modular--I've been told that they lose half of their value as soon as they pull off of the lot....this one is around 30 years old--so it's probably not worth anything if it wasn't REALLY taken care of.

We'll just have to see--whatever happens, it's going to work out. *fingers crossed*

That depends on if it is a 'modular' or a mobile home. There is a difference. A true modular will retain value that a mobile won't. If you decide to buy it, make sure that title to the house is attached to the land. We ran into that problem with the first house we tried to buy here. Great house at a great price, but we couldn't buy it because the title to the house (modular) wasn't attached to the land and there was a problem with the title due to a foreclosure and divorce and the title not getting transferred............anyway.....it is something to be careful about.

You must be moving to the NE part of the state, if you are moving closer to civilization.

[wordsmith]

Yes a modular is a lot better than a mobile home. but as Ida said make sure the title of the house is attached to the land. And also that the house and land don't have any liens on them or any taxes due.

[idar]

Of course, most of this is discovered when the bank does a title search, but it doesn't hurt to ask the realtor about the title in the case of a modualr. Usually, leins are taken care of at the closing. It does pay to use a Realtor. It is also a good investment to hire an independant inspector. They will check out the plumbing, heating, electric, etc. BEFORE you close on the deal. Then you can determine which repairs you'll ask the seller to do and which you are willing to take on yourself.

[jesseem]

Wow Becca, way to go girlie, good for you. I know exactly what you're talking about regarding moving pains. I've moved 6 times in the past 3 years and then moved an extra 12 times in my entire life, including moving to 3 different cities. I'm on the house hunt again because of my landlord and neigbor problems.

I want to buy a house. But the housing loan rates and the real estate values are sky high now and most people that got a housing loan in the last couple of years are trying to sell their homes or prepay their mortgage. But banks won't allow for that to happen and there's been a lot of bad news doing the rounds.

For now, I'm looking for a better place with better landlords and neighbors or at least just decent human beings would be enough. But with rentals increasing exponentially, I don't know. It seems like such an impossible thing right now.

[Farmgirl22]

Originally Posted by idar

That depends on if it is a 'modular' or a mobile home. There is a difference. A true modular will retain value that a mobile won't. If you decide to buy it, make sure that title to the house is attached to the land. We ran into that problem with the first house we tried to buy here. Great house at a great price, but we couldn't buy it because the title to the house (modular) wasn't attached to the land and there was a problem with the title due to a foreclosure and divorce and the title not getting transferred............anyway.....it is something to be careful about.

You must be moving to the NE part of the state, if you are moving closer to civilization.

No, north yes, but not to the NE corner. Compared to where we are now, even where you are is civilization--this place brings whole new meaning to "ISOLATED"....

I don't know much about the house yet....and so far, it's the only option, and it needs a lot of work. And it's WAY overpriced....it sits on 3 acres--even if those 3 acres sold for $2K/acre (which is highly unrealistic) they are still trying to claim that a house that needs gutted and completely redone is worth about $65,000....they are crazy. Maybe for a stick house, but not for an old modular or mobile home... I don't know....it's a stressful situation, and my realtor person hasn't contacted me in like 3 days--and before that she didn't have any leads besides that one. I don't know....we haven't even located a place to rent yet, and the deadline is looming closer and closer.

[hannab]

Good luck to both Becca and Jesse....to me, home is my haven and when it stops being that, it's time to move on.

Congratulations to hubby on getting the new Job Becca and hope the move solves more problems than it creates

Jesse, here's praying that you can find a peaceful, happy place.... you deserve it

[franca]

Found the perfect place for you FG......

[twinofangelize56]

Originally Posted by franca

Found the perfect place for you FG......

Too small!

[Farmgirl22]

Originally Posted by hannab

Good luck to both Becca and Jesse....to me, home is my haven and when it stops being that, it's time to move on.

Congratulations to hubby on getting the new Job Becca and hope the move solves more problems than it creates

Jesse, here's praying that you can find a peaceful, happy place.... you deserve it

We hope so too....like I said, we're terrified, but staying here and knowing what is going to eventually happen is even more scary. They may say "better the devil you know....." but in this case I disagree....I think anyway... It's funny, my mother said something the other day about once you own a home instead of renting that you have to pay for the repairs yourself--I just laughed and said, "Oh, so it's just like what we have now?"

I agree--I know how bad it sucks to have lousy landlords and crappy neighbors (Jesse you sure you don't live with me??? ) and I don't think ANYONE deserves to be stuck in that situation. It's just not great for anyone.

Originally Posted by franca

Found the perfect place for you FG......

OOOoooohhhh!! In Texas?? My hubby would be thrilled, but I'm not overly keen on moving down there....too hot, not enough rain. Beautiful house though--you suppose they could move it up here for me? Perhaps free of charge? I'd let the swimming pool stay if they did...

Originally Posted by twinofangelize56

Too small!

LOL! You could fit probably 6 or 7 of our current house in that one... The thing that's too small on that place is our budget!! We wouldn't even be able to afford the garage!!

[jesseem]

Originally Posted by hannab

Good luck to both Becca and Jesse....to me, home is my haven and when it stops being that, it's time to move on.

Congratulations to hubby on getting the new Job Becca and hope the move solves more problems than it creates

Jesse, here's praying that you can find a peaceful, happy place.... you deserve it

Thanks Hanna. Home is my haven, so true, especially when you work from home and spend literally all your time in it.

Originally Posted by Farmgirl22

my mother said something the other day about once you own a home instead of renting that you have to pay for the repairs yourself--I just laughed and said, "Oh, so it's just like what we have now?"

Yup, that's what we have.

I agree--I know how bad it sucks to have lousy landlords and crappy neighbors (Jesse you sure you don't live with me??? ) and I don't think ANYONE deserves to be stuck in that situation. It's just not great for anyone.

I'm not sure where I live anymore. I just want to run (or swim) away to an uninhabited island and live there for the rest of my life.

OOOoooohhhh!! In Texas?? My hubby would be thrilled, but I'm not overly keen on moving down there....too hot, not enough rain. Beautiful house though--you suppose they could move it up here for me? Perhaps free of charge? I'd let the swimming pool stay if they did...

Well, where I live is already too hot, too humid and either not enough rain meaning drinking water shortage or too much rain, means floods and blackouts.

The house is smaller than the house I was born in, but that's ok. I wonder if they could move it out here, free of charge too, and I'd keep the swimming pool as well.