Sunday, November 24, 2013
Monday, November 4, 2013
Well I'm happy to say we jumped off of the rate lock merry-go-round and I think it was just at the right time. For the last week, I stared at the rates on the lender's web site (and no it was not NVR). And they were going down. We planned to lock our rate today but looking at the trend that was taking place we could not wait any longer.
The rates began to creep up only a small tick but not much at all. But seeing this two days in a row, we decided to lock immediately. And I have to say I'm glad we did. The next day it was up .2% and by the end of the day .225%. It has not lowered yet and I have to say I am over-thrilled with the rate we received. :-)
Now I will take a moment to say something about why we didn't go with NVR. At the time we officially decided to move on from them, our drywall was hung and we still did not have an approval. We decided to go with SunTrust as our lender of choice. From the time we started our initial conversation with them until the time we had our approval, it took them all of two weeks. TWO WEEKS! Something NVR had not done in 3.5 months. I have no bitter feelings, but the truth of the matter is their process is flawed and to be such a well-regarded builder, they should be ashamed with the way in which the mortgage arm of the company operates.
Nonetheless, working with our Loan Officer at SunTrust has been a true blessing and to make matters even better, our rate with SunTrust was a whole .4% lower than what we were offered by NVR.
Now down to the home stretch of completing the home and making that closing date :-)
Friday, November 1, 2013
Done so far:
Asphault poured for driveway, sidewalks, patio
Stair rails installed
Kitchen cabinets installed
Bathroom vanities installed
Surround tile installed in the bathrooms
Siding is supposed to begin today. And...we have an estimated final walkthrough of 12/4 and we've locked in our interest rate! Whew!
All good news, right? Yes, but we've had a few hiccups along the way. Good thing my husband is Type A and checks on the house way more often than I do.
So yesterday, he did a random stop-by in the middle of the workday (which we highly suggest since they're working all day and when you see it, it's done). He walked in on the tile guys installing cabinets and tile. And what do you know? Our cabinet hardware was WRONG (nickel was installed and it should have been bronze) and our upstairs bathroom had the WRONG tile installed. All of those items were correct on our worksheet that the project manager had, but nobody bothered to check locations before installing.
You'd think that's what the project manager is for, correct? You know, to verify that the items delivered were the actual items ordered? Or that the tile you are getting ready to install really does belong in that room?
Maybe it's just me to think it should be that organized...
Anyway, our advice is to do random drop-ins. You might catch something wrong in time to fix it before it ruins a closing date.
Enjoy some of our pics and more to come!
Tuesday, October 15, 2013
Sunday, September 22, 2013
Sunday, September 15, 2013
Monday, September 2, 2013
Friday, August 16, 2013
Thursday, August 1, 2013
Thursday, July 18, 2013
So what has been going on?
Since our last entry:
1. We have had four change requests
2. We had a knockdown, drag out spat with Rite Rug
3. We had a scare that our house may not fit on the lot… Math says yes, my eyes are still saying no… :)
4. Received a call from our loan processor, we are getting closer to going to underwriting. A few things to resolve beforehand
5. We’ve visited the model two more times (which resulted in a few more change orders)
6. Still disappointed we cannot have the tile as the shower floor instead of the default
7. Gave up the jets in the owner’s bathroom… Probably the right decision
8. Stared at the floor plan again… though I said I was not looking at it any longer
9. Reread all the paperwork for what we have asked for in the house
10. Created a document for room by room requests in addition to where we would like to have our outlets and other prewiring (I would recommend this to ensure when you are walking through with the PM you have a good sense of what is supposed to be where and if it’s not right, fix it immediately)
11. Found a nifty piece of information from reading through other blogs about Roxul’s Safe ‘N’ Sound… May seriously have to invest in this.
12. Found out that I can obsess over this. Every day I walk into the house, I look for my Ryan three ring binder… I think I need help…
The wait on NVR , which is to be expected, is still a wait. But once they give the okay to break ground, expect to see more and more pics!
And now for the Rite Rug choices (finally correct):
First floor guest bedroom shower tile & carpet