Tuesday, July 16, 2013

Tomorrow is the day!

Today we had our pre-settlement walk thru!  It was absolutely amazing and almost a tease.  I can't believe how fast everything has went these last few months.  I am so thankful for our families who have really went above and beyond letting us stay with them.  Our closing is set for tomorrow at 3pm!  As most of you know we went with an outside lender and we were able to lock our rate at 3.375!  We also received a lender credit of 1.7 which almost picked up all of our closing besides our HOA fees!  We still haven't heard what our exact number was to bring to closing.  So hopefully today we will get something.

Our walk thru was  fairly simple.  Our PM had already went through and marked the walls with blue tape.  When we went through we only noticed two other places that needed a touch up.  I am in love with our appliances.  We chose the black.  Which really look nice with our kitchen cabinet selection.

I took a picture this morning...the sun was so bright you really can't see the pretty shutter color.  More pictures to come tomorrow.  We are handing the keys over to our painter in the evening tomorrow so they can start our paint!


Quick Note-  Make sure to shop around for homeowners insurance! We got a great deal with our Friend through Meridian Insurance.  Our yearly premium is $300!! Which is $25/mo.  We originally had $45.  We compared the deductibles and coverage and they all were the same if not better. It's also a great way to save on the house payment!  We did have to combine our Auto insurance to get this deal.  But we were still saving tons.  Our previous car insurance was through USAA.

Best piece of advice I have on this whole is experience is to shop rates and never settle for something because you think you got the best deal.  Sometimes investigation and a little bit of research can go a long way.  We have really enjoyed our experience and would do it again!

9 comments:

  1. Congrats on getting here. I agree time is flying. Enjoy your new house.

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  2. WOW that's a great rate plus cash back too!!!

    Unfortunately for use we have to settle much higher rate plus paying ~$10,000 just to get it a little lower. Still waiting to hear the actual closing date. Our (50day)rate lock is going to expire before closing as well so we will end up paying even more money for the rate lock extension. Grrrrr

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    1. :( UGH!!! We were close to our lock rate expiration. Ours expires tomorrow when we close. So we were pushing for no set backs! I hope you don't have to pay. Is it something that you could push onto RYAN homes to pay?

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  3. Great! Congrats on getting there with a great rate. That's a deal!! All the best for tomorrow!

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  4. Congrats! As I know Meridian Insurance is only insurance broker, not the insurance company, not?

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  5. Great rate!! We too were able to get 3.375 with a little bit of credit but not as much as you! That's awesome!! We have USAA for our auto and homeowners...maybe I'll have to look around. They quoted me $36 a month so that's not bad at all. The insurance comp that NVR sent my way quoted $35. We are in South Carolina so that may have something to do with it too. But I'm going to shop around! Thanks!

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    1. Usaa quoted us 65!!! They have always been higher on homeowners for us. It probably is a state thing. But I love them no matter what :). They have great customer service!

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    2. yes they do! We have them for everything so maybe that's why they are cheaper for us. I shopped a few other places and they were all higher so we are sticking with them for now!

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  6. So how did u sleep last night?! ;-)

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