Warning! Writings about menstruation and girlie stuff; read at your own risk (^_^).
An Offer - I Think Not (updated)
Realtor calls today letting us know we’ve had an offer made. Great news right? Uh, not so much. The potential buyer wants us to buy a home warranty for them, pay 3%of the purchase price to both their closing cost and their down payment totaling 6% of the purchase price, and they want us to pay for all of their processing fees for them to go through some organization that helps people buy houses. At the price we are asking for, the price they are offering and considering our own closing costs and commission we would walk aways with nothing or nearly nothing. Something there just doesn’t seem right.
We aren’t selling the house to make a huge profit nor are we greedy people but give me a break; we want to have something to walk away with. We have actual financial needs for this money that getting nothing from the sale just won’t help. I’m all for people wanting to own a home and have a place of their own but why the hell should I pay for them to have it? If you can’t afford the house you probably shouldn’t buy it. If you need to have that much help with a down payment or are trying to get a house without putting anything down then you probably shouldn’t buy it. Expecting the seller to help pay for your down payment is ridiculous. Wait an extra year before buying a house, save your money to grow even a small down and try for a loan that is for only 5 or 10 percent down rather than the standard 20 percent. Granted you’ll have to have mortgage insurance but at least you could show you can afford the house. People getting no down payment loans, getting loans that for the first few years they could afford that later became far beyond their budget and banks letting people that really couldn’t afford a house buy one is part of the reason why the housing market is such shit right now. You can’t expect to make such a large investment that you can’t really afford and have it work out in the end. Wait until you can afford it before you buy it. Don’t buy that huge flat screen tv; instead save the money for the house you want to buy and wait to buy the tv. It just seems like common sense to me.
In the interest of selling the house we have decided to counter their offer. We can deal with paying for the home warranty and could negotiate on the closing costs but I refuse to help them pay for actually buying the house in regard to their down payment. That is completely something they should come up with. I’m trying to sell my house; not help someone buy it. It isn’t my problem if they don’t have a down payment. As for the processing fees well they are the ones electing to use this service so they damn well ought to pay for it. If they don’t like it then tough shit; they can find a house that will agree to their terms and we’ll wait for another buyer or for the realtor investor people to buy it. I’m not here to get screwed so someone can have a house.
(UPDATE)Well, we countered, they countered, we did some math and have accepted their counter. We still walk away with a fair amount to cover some expenses, maybe buy some furniture and save/invest the rest. I’m not getting my hopes us though since nothing is final until all final paperwork is signed and notarized by all parties and the title company has gotten everything back and finalizes everything. Once that happens then we are golden. On a plus side, should everything go well, the escrow is supposed to close just before the end of august which should mean no september payment for mortgage. Of course there is the tenent to contend with, he’s paid for the month of august but having to be out a few days before the end shouldn’t be an issue. Perhaps third times the charm this time around.
House Progress
As in there hasn’t been much of any progress. We’ve lowered the price in hopes of getting it sold faster and that happened over the weekend or this week or something. There have been several showings according to the realtor but no bites. Oh sure they are interested but that’s all that there has been. The previous deal breaker is renting it for now which helps with paying the mortgage and as long as he keeps the house looking good for showings and he keeps the yard nice and clean I’m fine with him continuing to rent until we can sell it. I don’t know how long we are into the whole if it doesn’t sell it x amount of days we’ll (the realty company) will buy it from us. Although it will be for less that what we are asking for at least it would be sold and off our hands so we don’t have to worry about it anymore and it won’t drain our finances any longer.
I try not to think about it more than I have too. It helps keep the stress levels a little lower where the house is concerned. I’ll try and wait until it’s really a problem before I freak out. I would prefer for it not to get to that point but you never know. After the ordeals we’ve had with trying to sell this house I just don’t know what will happen with it.
No Games
I don’t like games being played. I don’t like when people say one thing, do the opposite and still won’t come clean when caught. I don’t like subliminal messages of intentions; just say it outright. It’s all fucking annoying, useless and pointless. Do it or don’t do it; I don’t care but don’t fucking play one thing while showing another.
I’m glad todays appointment was able to be cancelled because it would have been a pointless waste of time between the long drive out there and the time taken for estimates. None of it was going to be done any way so why go through the trouble.
Also getting someone a “birthday gift” that isn’t actually a gift at all but a way of putting the trouble on someone else to buy something and lacing it with a message of what you should do rather than what you want is completely wrong. Why not just say it for what it is rather than saying it’s a gift when it isn’t?
It’s all frustrating, annoying and pissing me off. I could care less about the house now or about moving. I don’t even want to deal with it.
Well That Was Pointless
So far today has been meh. First we had to get up early which I hate doing on the weekend so that we could drive up to my in-laws investment house. We were supposed to only help with removing wall paper and that was it since the carpets had already been taken up. That was a load of crap as tall as the empire state building because as soon as we got there and they got there all of a sudden it was oh we’re doing this and that and a little of this. Neither of us brought any of the proper gear, wore the proper clothing or were remotely prepared to do what she wanted. (more…)
Some Good News
M had his review at work today and not only did he get a great review but he got a raise as well. This so far has been the best of the places he’s worked for by far and it’s nice to see they actually recognize good work when it’s being done. He’s a lot happier here than he has been in any other job. The extra money will be nice to help out with expenses and with the added expenses we’ll have once we move into the house when it’s finished being revamped.
I”m very proud of him. He’s always been a good worker with an excellent work ethic and this seems to be a place that recognizes that rather than trying to cut corners and do other shit that is very unprofessional. This job has definitely been one of the best things about moving here. Like everything it can have it’s downsides but what in life doesn’t? The good so far outweigh the bad and that’s always a good thing.
Congrats honey on your accomplishments.
