Friday, September 28, 2012

Exterior options...and approvals....

So there has been so much to happen (yet little at all) over the past couple of weeks. I
will start where we left off which is the exterior colors. This was a major debacle for
us. We were concerned that we would have an ugly house….which was not happening.
We chose to go with the Ledgstone Buff and the Spanish Olive siding…but at first Ryan
said no. It was not on their “list of approved combinations”. So we made a big fuss about
it and our SR got it up to her manager which got it up to his manager and so on. Long
story short we received the final approval. So needless to say our house will definitely
be unique. The siding is a color that only two other houses in the DISTRICT (none in our
community) have. To top that off we will be pairing it with a stone that no one else has
had permission to pair it with.

With that solved it was on to add all of the other little extras we wanted. We met with
Guardian who pretty much showed us all the latest and greatest. Either he was a good
sales man or we are very gullible because we got practically everything. We chose to go
ahead and get CAT6 wiring (never know what the future will hold as far as technology).
We also chose to do the whole home audio system (speakers in the Master bath, Loft,
Kitchen and Deck). We are getting pre-mounts for a couple of rooms. The most important
was the central vac. Now while most will say this is unnecessary, you don’t know my
husband. He likes for the house to be clean and well vacuumed. When we showed my Mom
and step dad the house, my step dad made the comment that Jason will be spending all
of his free time vacuuming. We vacuum everyday, but it is necessary as we have three
cats and live in a two bedroom apartment. In the house the Cat’s will spend the majority
of their time in the finished basement, so we may not have to vacuum the entire house
every day. But for when we do vacuum it will be nice to have a LIFETIME guarantee on
the vacuum. We ware our vacuums out now about every 3 months. So anyway…back to
Guardian. We also choose to go ahead with the security system. Jason was most excited
about the early warning detection for fire and carbon monoxide (he has had a previous
house fire). So all in all we are going to be spending a pretty penny for guardian.

We also had the meeting for the flooring in which we also chose to upgrade. We
upgraded everything (carpet padding, type of carpet, hardwood floors and laminate).
So needless to say this added all up very quickly. We also are having a wall built in the
basement to separate the sump pump and water heater from the rest of the unfinished area
and have the unfinished area finished. We are going to make this into a sort of exercise
room. We are also having an extra washer dryer outlet installed in this area so that we can
purchase a Cat Genie. The Cat Genie is basically a flushable toilet for cats but instead of
being a toilet it is a litter box. It is pretty cool and will definitely cut back on our cleaning
time. With three cats…well you get the picture.

Now time to talk about my frustration/anxiety with NVR. So far every one has been
great. Our loan officer was straight forward with us but we have had credit problems in
the past. Our credit is cleared up now but we are still in the process of rebuilding those
scores. Because of this, they requested a little more documentation than would normally
be the case. Which is fine and I understand. We provided the process with all of the info
that she needed…three weeks ago today. She emailed us on Tuesday and said she sent
it to Underwriting and I call yesterday and she said we should hear back by the end of

next week. So where does the anxiety come in? Well first of all it took a lot to get our car
loans at the beginning of this year because of our credit history so the house loan is no
different…still nerve racking. When we met with our loan officer he said 30 Days and we
asked if there was a possibility of sooner and he said yes. I know this not a promise but it
was hope…but here we are 3 weeks later and we are just now going to underwriting. Not
to mention we are on deck to be staked and dug. If our financing does not come through
soon the other lots might get dug before ours. When we reserved our lot there were only
5 lots left to choose from. The 3 lots across the street from us where just sold this past
weekend. Those people are a week into their process so we have time. But I guess I am
anxious that they will get approval first and be built first which could cause us to be
pushed back, which could cause us miss our deadline to buy out of our current lease…..

Yeah this is what goes through my head at night when I am supposed to be sleeping. I
just need to take a chill pill and wait it out. I am so excited though! I can almost smell
the anniversary/valentines dinner I am going to make my husband in our new kitchen
(5 years a couple weeks after our promised delivery date. I am sure it will come soon
enough. Just cant wait. Well I leave you with a picture of our options.

White arrow is pointed to the kitchen/bathroom cabinets. Orange arrow pointing to the carpet in the upstairs bedrooms, main level family room and living room. Purple arrow carpet in the basement. Black arrow vinyl flooring for bathrooms/laundry room. Pink arrow pointing to hardwood floors in the kitchen/foyer/morning room. Grey arrow pointing to the handrails. Red arrow pointing to kitchen counter tops :)

I plan on swinging
by the lot this weekend and getting a couple of shots of the neighbors houses that where
not there a few weeks ago. Enjoy your weekend!


Since I wrote this post we got an eamil from our processor and we were approved!! I am so excited I can't wait to start the digging! Bad news our SR quit...but thats not that bad of news because she was not that great anyway. I think she kind of held it against us that we were 22 and building our first home. She would always make comments like "thats something you can do later" and trying to talk us out of things that were actually practical for us.  We are not that handy and we are both full time students working full time so we don't have a lot of time. If we wanted a fixer-uper we would have went with an older home.

So there I go ranting again...anyways we were approved and that is what counts :)

Monday, September 10, 2012

We got Approval!

Well Semi-approval. We got a call from our SR today and she said she spoke with her manager and they think that the Spanish Olive and Buff stone go nice together. They do not think it will be a problem. They still have to escalate it to their regional but they think we will get approval. She also said that her manager has the Buff stone for his fireplace and said he thinks it's a great combination. I'm pretty excited to get colors that we both agree on. Another plus is that no one else will have the same colors as us.

On another note, we went to IKEA to look around and get ideas. They have so much stuff there. I think I am most excited about the affordable cook ware and dinner ware. It is decent quality stuff for a good price. I am definitely going to stock up when we move into our new house. Our loan officer said that it normally takes 30 days to get an answer back on the loan approval, but he said that if we get him the rest of the info he was missing than he will work on getting us approved sooner. I am super excited. Once we get that approval things will really start to happen!

Now we just have to patiently wait until our electrical meeting with guardian Friday (ironically he just called while I was typing this to make sure we were still on for Friday), and our flooring meeting Sunday morning. We sat down with our SR on Saturday so all of the other options are finalized. Jason wrote a post earlier this week explaining the options we picked. He summarized it and left one very important thing out. He stated that we are upgrading our master bath but he failed to mention that we are getting JETS in our tub! I think I am most excited about that. Between the upgraded wood floors, the gas fire place, the double patio doors off the morning room and the amazing light options we choose I can barley sleep at night. Now if only we could get this loan thing done so that we can move forward with ground breaking!


Saturday, September 8, 2012

Our House-Site

Exterior Color Problems

One issue that we have had an issue with is exterior color. My wife and I were determined to get a dark grey (graphite grey) and a nice dark stone (Buckeye Country). However, when we went in to lock in our colors we found out about the crazy 2,2,1 rule which states that you can't have the same color as the house 2 to your left and 2 to your right, and 1 directly across the street. I understand the concept of wanting the neighborhood to look good, but if I am paying a quarter of a million for a house it better be what I want. The only houses all ready built neighbors on the right with a cottage style Florence. The house on their left, and the houses across the street are in the process of being built and we had not known what the colors were going to be. We found out (in what felt like a lottery drawing) that two of the houses had the grey colors we wanted. After this disappointment we then decided on two other alternatives: Island Pearl with Buff stone, or Spanish Olive with Aspen. We drove up to Beavercreek to see an example of both houses and fell in love with the Spanish Olive and Aspen. We had also decided Island Pearl was too light and not for us. Then we hit another disappointment because the house two to the right had already chosen Aspen.

Now we are at a crossroad. After repeatedly being told that I can't have what I wanted to begin with, we decided that Spanish Olive and Buff stone would look very good together. Then we found out that the designer at Ryan had decided that Buff Stone wouldn't be a recommended color for Spanish Olive (even though it is nearly the same thing as Aspen, only slightly darker). We asked to get special permission to do so, because at this point if I don't get approval I might just pull the plug and go somewhere else. I can't stand the fact of agreeing to a 30 year mortgage on a house we are not 100 percent in love with. We are supposed to hear something back next week which will determine our future plans.

One Week into Our Florence Ryan Home Build

This is a blog that my wife and I will be doing to follow our journey of building our first home.

It's been one week since my wife Melissa and I have signed to start moving on our dream home build in Springboro, OH. We have decided on the Florence model (elevation B) situated on a cul-de-sac in the Greens of Bunnell Hill.

So far we have selected our interior options (except for doing a final selection of our flooring next Sunday and exterior colors). On top of the free morning room and finished basement we selected the luxury island for the kitchen, powder room in the basement, extra closet in the basement, 42" Maple espresso cabinets with crown molding, upgraded laminate counter top, stainless steel appliances (plus refrigerator), 5 ceiling fan rough-ins (3 bedrooms, living room, and morning room), fully upgraded master bath, battery backup for the sump-pump, carriage door for the garage, insulation for the garage, patio doors for the morning room, and deck. We also chose to do recessed lighting in the Loft, Kitchen and Basement. So in theory, we are nearly fully loaded. We are also going to add a wall between the utilities in the basement and the rest of the storage room and getting the storage room finished in order to make it a cat room.