Tuesday, November 20, 2012

The home buying process --3

When I woke up the next day, I was over it. I threw my phone on the bed, I usually took it every where I went, and took a nice, long, hot shower. As I was getting ready for the day, first stop on our agenda was IHOP to have pumpkin pancakes, I noticed that I had three text messages from my realtor.

Wrapped in just a towel and still a little bit drippy, my hearted started racing. In my offer I said we wanted to close in early January but the builder wanted to know if we would consider closing on Dec. 31. Intrigued, I called my realtor, my hands were too shaky to text her back, I asked her what that meant.

Basically she said if we closed before the end of the year the builder wouldn't have to pay an inventory tax. That's about $4-5000 big ones. I had myself a bargaining chip!

Now that I had some leverage, I told my realtor to say if he wanted to close on that day he would have to agree to my terms. I felt like such a bad ass! From my perspective, he wanted me to do him a solid favor and we have never met AND if I would be saving him a substantial hunk of change the least he could do was give me what I wanted. In the grand scheme of things, it wouldn't cost him nearly as much to meet my demands as it would for me to purchase these things on my own.

My realtor told me to stand by while she got a hold the of the builder.

In the mean time it was pancake time!

I was about to dive into my pancakes when my phone rang and we had a DEAL!!!!

All I had to do now was head back to her offer and sign the offer putting us offically under contract.

I.Was.In.Shock.

We.Just.Bought.A.House!

The home buying process-2

I had anxiety all night long because I didn't want to piss of this builder by pointing out a flaw in his work.

On top of that, my Realtor shared that an offer fell through on this very same house six weeks earlier because of the builder's attitude. In a nutshell, the couple asked for routine things in there offer and when the builder countered, he came back $5,000 above asking. Obviously the buyers told him to go sit on a field and they moved on to another home.

I don't know if I was glad she shared this detail with me or not.

Now I was hoping that the builder had come to his senses since he screwed his pooch earlier and since the end of the year is coming up that he would need to get these houses off his hands more than I needed to buy this house.

My anxiety kept me up most of the night so I was ready to get this offer written. I met my realtor and she said that he would indeed fix the wall and he would fix it with poured concrete and not rail road ties aka wooden beams.

Whew! Now we could officially write the offer!

Even though the builder scoffed at the laundry list of things the first couple brought to the table, I figured I'd ask for the ceiling and figured the worst he could say was no or pick between one thing of another. My realtor is aggressive, which I liked, and said the things I am asking for are not outlandish:

For him to pay a portion of the closing
Include and install a stainless steel, french door refrigerator with ice and water in the door to match the rest of the appliances
Wooden blinds in all the windows
Install a garage door opener
Maintain the yard and security of the home until we move in
Frame the mirrors in the bathroom
Place light fixtures above said framed mirrors in the bathroom
Fix the retaining wall

If push came to shove, and he would agree to everything but made me chose between the blinds or the fridge I'd pick the blinds, since this place has a ton of windows and they are pain and often costly to put in, and I could probably score a sweet deal at a scratch and dent place, risk my life during Black Friday or take advantage of a military discount at Lowes or Home Depot.

I signed the offer and we submitted it at noon and I expected to hear back from him by dinner time or sooner.

Man, this is nothing like what you see on HGTV.

My home buying companion and I met some of her friends for dinner but I could hardly eat. My eyes were fixated on my phone. I did ask them in advance if I could leave my phone on the table and explained I was waiting for an offer to come through.

Still no movement from my phone. I am pretty sure I even slept with it on my face.

I went to bed, even more anxious!

The home buying process-- 1

For me, the best part of a PCS move -- I know I am crazy for actually enjoying part of this thing -- is looking up houses in our new area and looking up things to do, places to see and of course things to eat.

When we found out we were going to Fort Hood, Texas that was the first thing I did. I looked up houses to rent. It was during this initial search that we found out we couldn't really "afford," and by that I mean we would be at our BAH limit and would pay out of pocket for utilities, to rent in the area we wanted to live in BUT we could afford to BUY!?

Kina crazy right?

So we switched gears and started making a list of what we needed in a home and what we wanted in a home and that fueled our search and gave us a price point.

Originally we decided to get preapproved for $200,000 and in the area we wanted to live in, that could get you a pretty decent, pretty good sized home. By pretty decent and pretty good size I am talking 4 bed rooms, 2 full baths, two car garage, fenced in yard and 2,000 square feet.

Even though we could afford the mortage on a house at the price point, once we started utilizing USAA's mortgage calculator, which adds in property taxes (yeah we forgot about those) and home owners insurance (didn't phase us since we already have renters insurance) we realized we would be house poor and needed a more "responsible" ceiling.

With that being said, we marked our favorites on a website, which we had to sign up for (free) because it would only allow you to browse so many houses without doing so.

We started hearing the same Realty group over and over again from friends in the course and its funny because the day we registered for this website someone from that brokerage called me. Instead of being obnoxious and car salesmen like the woman on the other end of the phone made me not want to hang up on her. Even funnier is she worked for the firm that many people in the ECCC recommended. To put the cherry and whip cream on top they were a firm that USAA endorsed and if we used this preferred Realtor we would get a check, in the tune of $950, back at the end.

Double, triple ice cream sundae with all the toppings score!

I told her what we were looking for, where we were looking, a pricepoint we were comfortable and gave her an approximate timeline and set up a time when I could come down to Texas to house hunt with her.

I can't believe we could be buying our first home at the ripe 'ole ages of 27.

I made the 11 hour trip down to Texas with a friend here at the ECCC and lucky for me she grew up in Waco, Texas and just spent the last few years stationed at Fort Hood. The trip down flew by and I was anxious to meet our Realtor. I was kind of bummed I had to do this trip Chris-less but we both agreed that if I didn't find anything I LOVED that we weren't desperate to buy and atleast we tested the waters and learned something if I left without putting an offer in.

When I turned the corner to enter the door of the realty company I noticed a sign on the door that said "The Shine Team Welcomes Vanessa Lynch." I swear its the little things that matter.

Then I met my Realtor, Amy, and instantly liked her and knew she was the perfect match for us.

We were able to knock a lot of houses off my 22 house list for various reasons: price point, already under contract, not move in ready until Feb. or March and we need something by the first week of January or just bad design/location.

People always say don't buy the first thing you see, but the first house she showed me was the one. I just had that feeling when I walked inside. But, for good measure, we looked at lots more but nothing compared both asthetically and for the price. We saw some pre-owned homes that were $20,000 more than this brand new, never lived in number.

I wanted it!

However, once my agent told me that we would never share a fence line on one side of our house because of a runoff drain I had to investigate the backside of the property. Enter Army officer's wife's limited construction knowledge: I noticed the boards along the retaining wall were warped and I knew that was no bueno.

I showed the realtor and she agreed that this needs to be fixed so we headed back to her office, it was around 6 pm, to write an offer (umm is this real life?!) and she wrote in a prelimiary contigency stating I wouldn't write a full offer until he addressed to fix this.

This was a very productive and informative first day of house hunting. I have only been in Texas for two days (the first day doesn't really count since we got in at 7:30, checked into our hotel, ate dinner and hit the sack), and I have already found a house I loved and put an offer in!

Again, is this real life?

Monday, November 19, 2012

HSG

I purposely did not Google this procedure in advance because I can do a pretty good job of working myself up by myself. After canceling and rescheduling (when you don't get a period and need to rely on Progesterone to get one coupled with the fact the test can only be done between days 7 and 11 of your cycle and your body doesn't cooperate with the doctors time line, you get the idea) this critical test three times, I was just relieved that I could finally get it done.

Here is the skinny of the procedure:

A hysterosalpingogram, or HSG, is an X-ray test that looks at the inside of the uterus and fallopian tubes and the area around them.

During the test, a dye is put through a thin tube that is put through the vagina and into the uterus. Because the uterus and the fallopian tubes are hooked together, the dye will flow into the fallopian tubes. Pictures are taken using a steady beam of X-ray as the dye passes through the uterus and fallopian tubes.
 
The pictures can show problems such as an injury or abnormal structure of the uterus or fallopian tubes, or a blockage that would prevent an egg moving through a fallopian tube to the uterus. A blockage also could prevent sperm from moving into a fallopian tube and joining an egg. A hysterosalpingogram also may find problems on the inside of the uterus that prevent a fertilized egg from attaching (implanting) to the uterine wall.

An HSG is done for a couple of reasons:
1. Find a blocked fallopian tube. The test often is done for a woman who is having a hard time becoming pregnant. An infection may cause severe scarring of the fallopian tubes and block the tubes, preventing pregnancy. Occasionally the dye used during a hysterosalpingogram will push through and open a blocked tube.

2. Find problems in the uterus, such as an abnormal shape or structure, an injury, polyps, fibroids, adhesions, or a foreign object in the uterus. These types of problems may cause painful menstrual periods or repeated miscarriages.

3. See whether surgery to reverse a tubal ligation has been successful.

I would have loved for Chris to be there holding my hand and talking me through it but with his ECCC graduation around the corner and the last critical event happening this week, he wasn't able to go with me. This is the life I agreed to and I am just thankful he is here with me versus down range.

Anyway, I put on my big girl panties and was about to drive myself when a girl friend offered to be my support. I was hesitant to accept her offer, but I just knew having a familiar face in the room would relax me.

Before the actual test could be done I had to go to the lab and have a pregnancy test done. I would consider myself a pro at 1. taking them and 2. failing them (I've got 15 under my belt) so this didn't phase me. What got me all worked up was when my nurse started going over the procedure and what I could expect. My palms started to sweat and for those of you know what happens to my body when I get anxious/nervous, that was throbbing.

She left the room to gather the items we needed which left me and my support system alone in the room with the model of a vagina. In hindsight looking at the Mirena diagram probably made matters worse, but my friend showed me where they would insert the catheter and then the dye.

Ay carumba, all the way up in there!?

We walked down the hall, took the elevator down to radiology and I stripped down from the waste down and covered myself in a blanket and sat down on the x-ray table.

Now I was really begin to freak out and the reality that I was actually having this test done became very real. The nurse assured me this would be fast, and that once the dye was injected it would be less than a minute.

Here is how it went down, and yes I cried the entire time. Not because I was scared of the procedure per say, more so because I didn't know what to expect and I had mixed emotions about 1. actually being able to finally have this done (sense of relief since this is the final part of the workup and then I can get the results of all my tests, which will give me some answers and the big picture of whether we can have kids or not), 2.what this test could tell me on the spot (am I willing to walk down that path and how will I handle the results, be them good or bad). 3. the fact that I needed to have this test done finally hit me....

My doctor suited up, gloves and the xray protection gown donned, and put the metal speculum in, along with copious amount of lube. Man I hate that thing and that stuff.

Then he swabbed me with Iodine to prevent infection. That stuff smells.

This next part was the worst part. He inserted a small, thin catheter with a balloon tip all the way through my cervix, where they would place an IUD. The cramping was immediate. Then he added air to the balloon at the tip. Even more cramping!

I have never felt cramps like that before and I have never been that uncomfortable before (read: a strange man between my legs looking at my cashlapas, a speculum and a catheter all up in me, two nurses, a good friend and a radiologist in the same room).

The radiologist came in, set up the xray machine and then the doctor started inserting the dye inside. WOW! That's the only way to explain it. I wanted to bear down but that would have pushed the dye and the catheter out, but he nurse was right it was less than a minute in length.

I heard the doctor say that my uterus looked perfect and the tubes looked clear, then I covered my face and started to hysterically cry. I almost wanted to feel the "pop" the nurse mentioned because atleast that would mean I had blockage that the dye was able to open and push through. Atleast that would have given me a reason as to why we are having a hard time try to get pregnant. Instead I don't know why. I do know my "parts" look normal which is a good thing but then my mind starts to race. Is there a bigger problem or is this a quick hormone fix. I hate when I can't turn my head off.

I. Lost. It.

All my emotions came to a head. I was really in this room having this procedure done because I am an infertility patient. I can't have kids without medical intervention. Shit just got real.

I won't know what the big picture looks like until I can schedule a follow up appointment (for all you military spouses out there you know what a challenge this is in and of itself). I told my nurse that we are PCSing Dec. 14 and they need to fit me in somewhere. I don't care if they give me my results in a bathroom, I NEED to know what's going on and what options I have ASAP and before we get to our new location.

I am not starting 2013 without answers.

Wednesday, November 7, 2012

MY "RedNek" wine glasses

When Chris and I first moved to Missourah, as the local yokals call it, I stumbled upon these lil gems and thought they were the funniest thing.


What's even funnier was the price tag...
$16.95 for ONE!

I eventually caved and bought one for my mom as a birthday gift. I'm kind of kicking myself now because I WAY over spent and could have made her an entire set for the price I paid for ONE.

Intrigued?

Whelp, on a recent trip to the mecca of crafting stores, Hobby Lobby, I scored big baby.




I bought a mason jar that retailed for $1.79 and it was on sale for 50 percent off: .89 cents.

Then I bought a candle stick holder that fit nicely underneath that retailed for $2.99 that was also, score, 50 percent off: $1.50.

I had some Super Glue at home and woila!



Grand total:
$2.38!!

Friday, November 2, 2012

Texas Show Down

So we just got the RFO, or request for orders, so hopefully we will get the official golden ticket, aka the orders, some time early next week.

In the mean time, Chris and I have been busy looking at houses online, comparing layouts, price point where are comfortable (figured in taxes and insurance), features we want vs things that are must haves and have narrowed down an area where we want to live: Harker Heights.

We also picked a Realtor that many people have recommended which reassured us and the Realtor pointed us in the direction of a VA lender who has 34 years of experience writing VA loans.

I am road trippin' it to Texas in a few days to house hunt with a friend in the ECCC that is not only from Austin but just came from Fort Hood, double score.

Did I mention she is a good time?

I just hope we actually do some house hunting while we are down there, hehe.

Our first stay is shot since it's our travel day and after 11 hours in the car, we will be beat, so that leaves us with three full days and our agent said we could probably see a dozen houses in a hour, good deal!

Chris and I discussed with our agent that we aren't desperate to buy. If we don't find something we love in our price range we aren't signing on the dotted line and we will start our search for a rental property.

Fingers crossed, y'all.

Thursday, November 1, 2012

Giddy 'up!

So where is the Lynch family heading next...


Here are a few hints:


They rock these year round

These are a common accessory

They worship these bad boys

Typical past time/weekend event

 


Give up?

We are going to the place where they saying everything is bigger....

We report in January but I am making a trip down with a friend this month to house hunt! Get ready Texas, here we come!