Final Walk Through

We had our final walk through today and it took about 3 hours. I was a mess this morning, I was all fidgety and anxious. I guess I was expecting to walk in and a gorilla pop out of a closet or something! But it was the exact opposite. I know I've given shout outs before to our PM, but I need to send a shout out on steroids! He said don't worry about the small stuff, he's got it- well he is no liar! It was immaculate! Just gorgeous. I saw my husband looking at everything hard core and all we found was one nail sticking out of the spindles and balusters base plate to correct. My husband isn't easy to impress and he's quite the Mr. Fix It, so he knew things to look for. He told our PM more than once how amazed he was. Walls, perfect. Kitchen, perfect. Every room, perfect. It's kind of funny, our PM didn't like the word perfect, he doesn't think that is realistic, and I applaud him for that actually. He did an amazing job of explaining everything from the get go about what to expect along the way. I know we will find stuff, it's the name of the game, but I can't say enough how overly impressed I am by our completed house. But I will stop talking, because what speaks the most is the pics! Even though it has my husband's trademark stamp, I actually took all of these- so apologies for lighting and such, he's much better at that sort of thing!

I LOVE the kitchen. The combo of colors turned out wonderful! I love how in different light the cabinets can look lighter or richer- we have calico cabinets!

Kitchen from morning room

From morning room looking into Fam room and the doorway is the mud room

Morning room *sigh* so pretty!

Looking into Fam room from the kitchen

Stairway

Spindles and balusters!

Mud room- hard to photograph!

Front entry

Front room

Spindles and balusters! We initially asked for cherry, then asked for walnut with cherry and we got the PERFECT combo of cherry walnut. Again *sigh*

From the corner of the loft

Looking down the hallway

Bedroom 1/Tiny's room

Bedroom 2/Scoot's room (how "like totally horrified" would my teenage step daughter be if she knew I called her Scoot on the internet for all to see, hehehehe!

Spare/kid's bath. Photo bombed- but hey, the house knows up front we are a rock and roll type o' family (note to Pink Floyd t-shirt)

Spare/kid's tub

Owner's closet- this pic does zero justice!

Owner's

Owner's bath

Owner's bath

Looking down the hall from the Owner's suite

Deck, LOVE! It's bigger than I thought too!

From deck 

View from deck. Ok, so it's not so pretty now, but when it greens up *sigh* this was so important for us coming from the city, I can't wait to see song birds at the feeders and chipmunks down below!

So that's it! Now we continue to finish packing, we are almost done. Closing is Thursday at 1pm and we will head out to seal the grout and hang up some blinds. Get this- we are now to get a refund at closing!! Then the movers and Comcast come on Friday- so as long as no one judges me for the mess and the mass amount of decorating we have in the upcoming years to do :), I will get some more pics up with furniture. I know how much that makes a difference for the space, colors, etc. We are so excited, I want to vomit on most waking hours, haha!

And pics!

OK, so clearly I didn't get them up the next day... we went thrift store rummaging and found some good deals but we finally got a chance to sit down and get some pics uploaded. We have prepped our apartment for packing and did the dreaded cleaning of the closet, 7 trash bags, not too shabby! So here are a bunch of pics, some are from this past Wednesday and some from the weekend right before that. The ones where you can see electrical outlets, cable/CAT5 and such are the newer of them. Oh and the HVAC was installed, she is purring like a kitten! My husband proposed that we don't go back out again until the final walk through. I wasn't liking this too much but I might have changed my mind.... He spoke to our PM on Friday to get the low down of this upcoming week which is flooring, side walks, drive way and the deck! Then the finishers come in after that. He mentioned to our PM some of the dry wall imperfections and the PM pretty much was like "don't worry about that stuff, I got you." He insisted that he will go through the house with a fine tooth comb and make sure that stuff is taken care of. I have mentioned before, he is quite the type A personality and I know he's got our back. So I'm leaning towards awaiting a "big reveal" but not completely set on it yet :) So here are some pics, she is looking so gorgeous!

Kitchen from about a week ago

 Owners bath!! Some of the grout on the tiles doesn't look so hot....

Owners double vanity, love!!

Spindles and balusters, sigh, they are so pretty!

Family room

Kitchen again with a nice coat of paint!

From the corner of the loft

Owners closet, yay!! I can't wait to get a real closet system in there, on the to do list....

Spare bath, it looks great! And looky there, we have the lights on!!

Standing in loft looking down the hallway.... vents in, lights, speakers, smoke detectors etc

Most recent of the kitchen! Recessed lighting in and all the electrical outlets

It's official- we are on the map :)

 Side yard graded- it's actually huge! We may not have to clear as much of the back as initially thought because of all this space for a future doggie to play!

All painted with numbers and carriage light in

Most recent of back, still more space than we originally thought, very happy!

Panorama of the upstairs before they painted and put in electrical etc.

Morning room, love!

Spindles and balusters again.... is anyone getting the idea that we love these? haha!

Sorry for the no particular order, I'm not all the computer savvy and missed updating pics twice. But there you have her! She is coming right along and we are SO excited. Hubby just printed out a blank calender for April and we made it a count down calender.

On the NVR note, I just sent the last pay stub and signed what I was told would be a final "soft pull" document.... but then I get an email from Credit Karma and of course, it was a hard pull. It's not the end of the world, but it's annoying and they did tell me it would only be a soft pull, not a hard. I'm debating calling about this or just being happy and grateful we are so close to moving into our new house.

Thanks all and enjoy the pics!

NVR help!

So I stated a little while ago about NVR was telling me I need WAY more at closing. The papers I signed say we need X amount- it's not much because we rolled in closing costs. Then my loan processor states I need a decent amount more but when I spoke to my loan officer, he says no, wrong, I will get you updated numbers. My updated numbers still aren't here- apparently due to an addendum they are waiting on from RH. Last week I get another email followed with a replica letter that came on Monday stating I need to liquidate funds, again! So Nick spoke to out loan officer yesterday and he says ignore, still waiting on RH so I can redo numbers. Literally an hour later my loan processor sent an email saying I need to come up with XX- now even MORE than the inflated amount before! Call sales rep, loan officer and processor. Sales rep off but responds to email (his hands are really not in this pot as he's not NVR per say- but Chris gets us answers), processor says she needs to talk to LO- which then she calls back and says still numbers aren't right and to wait for new ones and LO never calls back but emails at 830 last night stating my closing costs are lower, about 4k lower, than what the processor is telling me and still waiting to updat the numbers. This 4k lower is still double the amount! My take on this is two fold- NVR isn't communicating with each other or they playing bait and switch. We were very clear up front the amount of money we could bring to the table and if that didn't work, then no house. Since we signed the agreement- I only added on an additional 5k in upgrades- how does that increase closing by 4k when that goes into the loan amount? I guess there isn't a whole lot I can do until I get the redone paperwork and see exactly the amount, but I am not pleased. That's an understatement!! Did anyone else have this happen- given an estimate for closing then told WAY more??

Home Owners Insurance and NVR

Ok, we are first time home buyers so this topic is new to us. Late bloomers, we know :) I was asked to provide documentation of contact info and a policy within 30 days before closing. What on earth can I provide NVR without an actual policy? A quote? We have all of our other insurance through Allstate and I must say, any claim we have ever made was covered quickly and with ease, so we were going to start with them. Any suggestions? From what I have read, I can get decent insurance for $600/year approximately. But again, this is not my forte! I have not even started this process at all and I'm guessing I should have! No one told, but then again, I never asked. Clearly on my to do list now.

We also just spent the last several hours digging through documents to send to NVR- I knew this was too easy initially! However a little scared on one of the items asked for because it seems too closely related to the NVR freak out last week. Plus the email referenced our April 1st closing date, which we are NO where close to meeting due to starting late and this current polar vortex. I've been waiting to quote the weather channel! Haha!

Any suggestions re: home owners insurance very welcomed!