Saturday, March 26, 2005

Getting a Building Loan

We have been hard at work getting a building loan. Well, at least we worked hard at gathering all the required documents and filling out the forms.

We turned all that in on March 11 to Home Loan Corporation and have been waiting ever since. We received a call on Friday March 25, from Fredericksburg Title. They are waiting for one document--the original release of lien on our property. The Home Loan Corporation has had a copy of that since the day we turned all the paperwork in on March 11 and we could have easily provided the original. Oddly, Fredericksburg Title Company tells us that the Home Loan Corporation point of contact does not think he has it. Argggghhhh!

Everyday they mess around we see interest rates rising. We fear that they will cost us a great deal of money. Unfortunately, neither I or Phil will be able to drive the original to Fredericksburg until later in the week. This could not be more frustrating.

Wednesday, March 02, 2005

Our Home Site

I stopped by our home site today while I was in Fredericksburg. It has been a rainy and grey day. And it is still winter. Kind of cool and the trees are still without leaves, except the live oaks, of course.

Here is my favorite part of our property--our live oak grove:
Druid Heaven

Here is the view we will have from our front door:
Looking South

Here is the view we will have from our back door:
Looking North

Here is the view of our building site from the very muddy driveway:
Looking West toward the House

Here is the view from the gazebo toward the location of our someday soon front door:
Imagining a Front Door

And finally, this is a picture of a bluebonnet sprout. We won't have very many from the looks of things. We will have to reseed in the fall. But at least we will have a few.
Baby Bluebonnets

When I arrived home, Phil called with good news. Our interim building loan is approved. Things will most likely move a little more quickly now.

Deb &:)

Tuesday, March 01, 2005

Timetables

Here is one thing I have learned: none of us works off the same time table. Phil and I are progressing through this process which will ultimately lead to the building of our home at a different pace than everyone else involved.

I think that is because for us this is a once in a lifetime kind of deal but for everyone else, it is their work. They have done it before and so the learning curve is not as steep for them. And we are learning. A lot.

We have been looking for ways to lower the price mortgaged. I suppose that unless you have oodles of money, that is a normal thing to do. The cost of the kitchen cabinets came in quite high but they will be beautiful and I do not plan to buy cabinets again. Better to get good ones right from the start. I feel the same way about the plumbing fixtures, too. The bathtub in the guest bathroom will be a cast iron soaker tub. A little on the expensive side but it will last forever. The kitchen sink will be cast iron as well. These two will be good for 50 years or so. And beautiful. I have also been purchasing a few of the light fixtures myself as I find good deals and styles I like. I could use about a six month lead time just for shopping but it does not look like I have it. My spare time will have to be more devoted to acquiring all the things I said we would provide so that we do not hold up construction.

In the meantime, Phil has an appointment with the mortgage company for tomorrow afternoon.

Deb &:)