….we’re thinking seriously, seriously, about selling our house.
Even more crazily, we’re going to buy A NEW ONE.
Okay, in all seriousness, we are making steps towards moving out of this house and getting a bigger one with a layout that suits our needs better. We’ve started the preapproval process online, but now we have to talk to the bank on the phone to verify income and what not. Since Chief is military we’re starting with USAA to see what they can do for us. I’ve been talking to a realtor in town about our house and based on the comps I think we can reasonably expect to make about 50K in profit from our house, probably closer to 40K after fees and closing (although there’s some confusing language about what fees people with VA loans actually pay, so we’ll see).
That amount of money could pay off all of our unsecured debt (credit cards) and our new car. We’d still have payments on the jeep, but just for another year and a half. That would be magic. It would free up about $1500 a month. I know. I KNOW. and with a VA loan we don’t have to have a down payment on the next house, and only pay 1% in closing costs and some other small fees.
It’s exciting. It’s exciting that this is the first time we’ve applied for a loan under chief’s name and haven’t instantly gotten a no. It doesn’t mean that we might not still get a no after talking to the lending folks on the phone, but Chief’s actually in pretty good shape. His credit score has really bounced back from it’s dismal levels, his DTI is only 20%, and he makes a decent amount of money.
It’s also stressful. Because we have to sell this house. And I have a lot of pets. I fear that every time we have a scheduled showing I’ll be loading seven animals and a baby into the car to drive around for an hour while people look at my house. And then if we somehow manage to sell this house that has been mostly remodeled we actually have to MOVE. WITH A BABY.
It’s also a leap of faith, because I have paid to have just about everything in this house fixed to tip top condition. It’s got new AC, a new roof, new appliances, a new porch, new grass, new WALLS in some cases, repaired electrical, repaired plumbing, new kitchen, new front bathroom, paint, NO carpet anymore….I know that it’s solid. and I’ll of course get an inspection on another house, but shit happens, you know? I watch a lot of HGTV, so I know shit happens.
But we’ve really outgrown this house. Really really. Our living area is way too small for us and it’s hard to separate the animal noise from the back area of the house when the baby is sleeping. And babies have so. much. stuff. We just need more space. And more open space.
Here’s some truth though: I think I’m going to have to pay someone to clean before the appraisal. I can’t seem to work from home, raise my child, AND keep my house clean. So I fear we’ll be paying a hefty bill to a cleaning service to not only clean, but organize and declutter my house. Anyone ever had to do that? Was it worth it?