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Buying A House Is Stressful - The Mad Schemes of Dr. Tectonic [entries|archive|friends|userinfo]
Beemer

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Buying A House Is Stressful [Feb. 17th, 2010|07:57 pm]
Beemer
I checked the pilot light on the water heater on Monday, and it stayed lit, so that was the last thing that might be Seriously Wrong with the house, and we're moving forward. HOA docs are not insane, given that it's a townhome and we have no interest in personalizing the exterior.

There's been a lot of Following Up for the loans (both the mortgage itself and a loan against my retirement account to help cover closing costs), including quite a bit of faxing with varying degrees of success. Today I sent Yet Another copy of the contract (well, the addendum) because they still didn't have the right signature page, and then I found out we have to get walls-in/HO-6 insurance, and all the stress and uncertainty kind of hit me all at once and felt like I wanted to cry, or maybe throw up.

So when I got home, I did. (Cry, that is -- there was no hurling.) It helped. As did lots of big supportive hugs from boyfriends, and now I'm feeling much better.

(Mostly it's all about the money, which is being a gigantic ball of suck, and though it will all work out in the long run, in the short run we're running out of buffer at the same time I have this huge pile of money I can't do anything with. Bah.)

I still didn't get anything done at work today, but in retrospect, my lack of focus is probably because, gee, I'm over-stressed in about five different directions at once, which is also probably why I caught a cold.*

So instead of trying to actually accomplish anything this evening, on the advice of my hubbies I am going to run around killing imaginary monsters. And hopefully tomorrow I'll have a fresh supply of cope.

Zinc lozenges are disgusting. The problem is, they're also effective. Strawberry-and-cream flavor seems to be the least disgusting option.
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Comments:
[User Picture]From: srotu27
2010-02-18 03:30 am (UTC)
It is both expensive and stressful, but if it helps, the home insurance I have is exactly like my renter's insurance, including costing exactly the same, in my case, $10 a month. And since you're buying a property not unlike mine, I think you'll be pleasantly surprised at how affordable it is. I'm sure the next couple of months will be stressful and expensive, but I think your hubbies are right about not letting it get to you. It's a contest of endurance--- you have to live to fight another day. It'll get better--- you'll have more space, you'll have your own space, to which you can do whatever you want. You can do this. It's all basically red tape, and there'll be substantially less of it after the closing. Solidarity!
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[User Picture]From: dr_tectonic
2010-02-18 05:38 pm (UTC)
Okay, that helps a lot to know. I think my brain was thinking it would be like getting a new car insurance policy, which is a heck of a lot more expensive.
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[User Picture]From: srotu27
2010-02-18 05:53 pm (UTC)
Walls-in, you're essentially insuring your stuff (TV, computer, clothes), including the appliances and the floors and things, same as a renter's policy. Ymmv, especially if you have better quality stuff than I have, but yeah, $10 a month, and actually less than that out of my bank account each month, because of the multi-line discount I get from State Farm, with whom I also insure my car.
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[User Picture]From: annlarimer
2010-02-18 08:48 pm (UTC)
House value doesn't plummet the way car value does, so the cost of insurance is steadier, if that makes sense. You're also much less likely to destroy your house than your car. So even though it's a bigger thing, it's basically just another utility bill.
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[User Picture]From: jofish22
2010-02-18 04:26 am (UTC)
Yeah. House buying sucks. It always sucks, all the time. On the plus side you get a house out of it. And tax advantages. And the satisfaction of ticking the Homeowner box. And buying things at Lowes.

(My home insurance is not really like srotu27's, in that it costs more like $50/month, and there's earthquake insurance on top of that which is that much again. But it's probably comparable as a % of house price.)
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[User Picture]From: dr_tectonic
2010-02-18 05:37 pm (UTC)
It hasn't been super-sucky so far, so maybe it's just catching up with me.

Sometimes I think "good GOD, why is this so fricking complicated???" and then I remember, well, I am buying an incredibly expensive construct, using almost entirely somebody else's money with the promise of future payback. So it's not unreasonable that everyone involved would want there to be a lot of mechanisms for making sure that it doesn't All Go Horribly Awry.
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[User Picture]From: thetarnishedowl
2010-02-18 05:09 am (UTC)
Yeah, it is stressful. You'll get through it. You have support, and for that you are lucky!
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[User Picture]From: dr_tectonic
2010-02-18 05:35 pm (UTC)
Yes, and yes. Thanks!
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[User Picture]From: eto_theipi
2010-02-18 06:10 am (UTC)
Have you tried Honey-Lemon Cold-eeze? I actually like the taste of 'em.
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[User Picture]From: dr_tectonic
2010-02-18 06:44 am (UTC)
They're not bad. That's the second-least-objectionable flavor.
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[User Picture]From: kung_fu_monkey
2010-02-18 08:55 am (UTC)
:( Oh, hon. You know we're utterly incapable of getting by without you! You're handling the house thing fantastically well; I doubt any of us could handle it with such grace. Vent at us all you want, babe. It's the least we can do.
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[User Picture]From: dr_tectonic
2010-02-18 05:34 pm (UTC)
Thanks, sweetie. Everything's much better this morning.
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From: t_stop
2010-02-18 01:55 pm (UTC)
I swear that all the hassles you are talking about (paperwork failures, insurance craziness, rate lock ins, last minute multi-thousand dollar "upsells", inspections, etc) are done on purpose by the realestate industry to either keep folks from buying houses or, possibly, to keep them so busy that they don't think about how much money they are spending. Either that or a lot of people in that world are truly incompetent.

How does someone that isn't a hyper-intelligent, over-educated, "kool kat" like you are gets through this? I think that they simply surrender themselves into the arms of a realestate professional (read "sales person") and become an automaton that gives them money.

That said.. I totally sympathize with your specific instantiation of Class Suck{}. I still have enough stress about it that just the thought of refinancing raises my blood pressure (even though that is relatively painless).

Killing virtual monsters is a great way to recouperate, btw! You have a very smart support structure!
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[User Picture]From: dr_tectonic
2010-02-18 05:34 pm (UTC)
I ended up respecting about 3/4 of the Elders in Kalimdor. Yay world event achievements!

There was some incidental pixel-death as well. Some of it mine.
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[User Picture]From: dr_tectonic
2010-02-18 05:33 pm (UTC)
Oh, I'm taking the credit on *this* year's tax return! It will be a good, good thing.

My bevvy of menfolk is quite consoling.
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[User Picture]From: zalena
2010-02-18 05:20 pm (UTC)
Let me know if you need any help with packing/cleaning/moving.
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[User Picture]From: dr_tectonic
2010-02-18 05:32 pm (UTC)
Oh, we surely will. I'm expecting to cash in a lot of accumulated moving karma.
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[User Picture]From: srotu27
2010-02-18 05:50 pm (UTC)
Well, I know I owe you some, so color me helpful-in-return.
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[User Picture]From: flwyd
2010-02-19 03:45 am (UTC)
Since childhood, my zinc lozenge policy has been to eat a cookie as a chaser.

Also, DO NOT eat a zinc lozenge on an empty stomach. It will NOT make you feel better.
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[User Picture]From: backrubbear
2010-02-21 01:24 pm (UTC)
The elimination of my hard-earned buffer was my biggest problems with buying both of the homes that I've done. As long as there's not massive suck beyond what you know about and can deal with, hopefully you can start the rebuilding of that soon.
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