• The Recovering Pessimist | The Home Emergency Contact List #HomeWithJoy | www.therecoveringpessimist.me | #amwriting #recoveringpessimist #optimisticpessimist #HomeWithJoy #HomeDepot #Lowes #Target #Homeowner #Homeownership #AtJoysHouse #HomeWithJoyFaves #WelcomeHome #homedecor #HomeMaintenance #Pinterest
    Home With Joy

    The Home Emergency Contact List #HomeWithJoy

    No matter how much you prepare, a home emergency of some kind will happen. There’s a chance that a home emergency will occur while you aren’t home.

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    I was supposed to be out with friends. I ended up staying at home. I was watching TV when I heard a loud POP followed by a burst of water.

    I jumped up and started looking at the ceiling in each room because the water heater is in my attic ūüôĄ

    It wasn’t coming from the attic.

    I walked into my bathroom. and my heart sank. Water was pouring from under the sink. My house didn’t have a shutoff valve nor did I have a water key. I grabbed a bucket to collect the water to pour down the shower drain. In the midst of dumping water, I called a plumbing company to come over.¬†The plumber came out about an hour after I called.¬†Turns out one of the valves under the sink was incorrectly installed. It was fixed that night.

    If I wasn’t at home and couldn’t be reached, who would my neighbors call in an emergency (other than 911)?¬†Not too long after the plumbing disaster, I created a document with the contacts’ names and numbers that someone would need in case of a home emergency.

    Here’s who I have listed on my home emergency contact list:

    • Neighbors (including their house numbers and/or house descriptions)
    • Plumber
    • Local power company
    • Contractor/Handyman
    • Exterminator
    • Home security provider
    • Home insurance provider
    • Realtor (she’s a human phone book)
    • Home warranty provider

    I printed that bad boy out and taped it to the fridge. There’s no way in hell that it can be overlooked, lol! I implore you to create a home emergency list and put it in a place that’s easy to find. Being a homeowner is stressful enough. If you can ease some stress, by all means, do so.

    Take care,

    Joy

  • Home With Joy

    Things I considered while looking at homes #HomeWithJoy

    The Recovering Pessimist | I did these 2 things before buying my home | www.therecoveringpessimist.me | #amwriting #recoveringpessimist #optimisticpessimist #HomeWithJoy #HomeDepot #Lowes #Target #Homeowner #Homeownership #AtJoysHouse #HomeWithJoyFaves #WelcomeHome #homedecor #HomeMaintenance #Pinterest

    After I spoke with the¬†mortgage officer, I started looking at houses. Bad idea. Why? Because I had no parameters in place. I saw houses I couldn’t afford, houses that were too big, etc. To prevent further overwhelm, I got realistic and wrote down a list of all the things I needed to consider when looking at homes.

    Monthly mortgage payment

    One of my non-negotiables was that I wanted to pay less than $1,000/month for my mortgage. The whole point of buying a home was to not continue dealing with the yearly rise in rent.

    Square footage

    I knew that I wanted to live in a smaller size house, no more than 1,000 square feet. Heating/Cooling a larger home would be expensive and I didn’t want to spend the money on that. Plus I was used to living comfortably in smaller apartments.

    Neighborhood

    There were some places in #RVA that I wasn’t going to be able to live in because the housing prices were beyond my budget.

    I also wanted to live close enough to my favorite shopping locations, restaurants, and bars.

    Exterior design

    I was interested in brick homes. I love the classic look, plus there’s practically no upkeep. I also knew that I didn’t want vinyl siding or stucco because of the maintenance.

    Heating/Cooking Source

    I wanted my home to only use electricity for heating and cooking. Gas (cooking/heating) and oil (heating) are both expensive and I didn’t want to make room in my budget for either of them.

    Condition of the windows

    When I was looking at houses in person, I paid close attention to the windows. If the seller was unwilling to pay for new windows or lower the sales price, I might have to pay for them myself (or wall away).

    Will my current furniture fit?

    When I was looking at houses, I considered the size of my current furniture. As a result, several houses didn’t make the cut.

  • Home With Joy

    I did these 2 things before buying my home #HomeWithJoy

    The Recovering Pessimist | I did these 2 things before buying my home | www.therecoveringpessimist.me | #amwriting #recoveringpessimist #optimisticpessimist #HomeWithJoy #HomeDepot #Lowes #Target #Homeowner #Homeownership #AtJoysHouse #HomeWithJoyFaves #WelcomeHome #homedecor #HomeMaintenance #Pinterest

    The process of buying a home was super stressful for me. When I was exploring the idea of buying a home, I made sure that I had a realistic idea of what was involved. To see if becoming a homeowner was possible, I did two things: 

    One: I attended a first-time homeowner seminar. 

    My credit union hosted the seminar. Realtors and mortgage loan officers from the credit union were in attendance. Some of the topics covered during the seminar were:

    • How much house can I afford?
    • Homebuying costs
    • Understanding Credit Scores
    • Down Payment Assistance (DPA) Grants & Gifts
    • What’s included in a house payment
     Two: I spoke with a mortgage loan officer 

    A few days after the seminar, I spoke with a mortgage loan officer from my credit union. I wanted to know if I had a realistic shot at becoming a homeowner, so I asked the following questions: 

    • Was I in good standing to buy a home?
      • If I wasn’t in good standing what steps do I need to take to get in good standing?
    • How much house can I comfortably afford?
      • I say comfortably because if you qualify for a higher amount than what you’re comfortable with, you don’t have to buy a home at that higher amount.
    • If I brought a home at an amount I’m comfortable with, roughly how much will closing costs be?
    • Are there any programs that help first-time homeowners with closing costs?
    • What are the costs involved with the homeownership process (e.g., application fee, earnest money, etc.).

    I didn’t have to provide any financial documents for this conversation. Instead, I provided the mortgage loan officer with financial figures that were accurate as of the day of the conversation. This helped me get a more realistic idea of what I was working with.

    You don’t have to speak with someone from your credit union. However, I would strongly suggest that you speak with a well-qualified individual that takes your needs/wants into consideration. Purchasing your home is one accomplishment. Keeping your home is another.

    Until next time,

    Joy

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