DFD

SAWCE wrote: ↑Thu Jan 12, 2023 3:17 pm Quote not working..

Water damage is covered, but a natural disaster flood is not covered. Not something we’re terribly worried about as we’re up in the mountains. Will have to ask about the retaining walls and fence. Good call on that.

Close/move in date is slated for 2/8 and all seems to be on track for that.

Desertbreh wrote: ↑Thu Jan 12, 2023 2:16 pm

Valkyrie wrote: ↑Thu Jan 12, 2023 1:24 pm It's a combo of storms and shitty state laws allowing people to sue the hell out of insurance companies and win for the most dubious of claims, making the cost of doing insurance business crazy. Most companies have stopped bothering to operate here anymore, it's one thing that I didn't know about until after moving.

I would look at it as insuring yourself against wanting to commit seppuku in Corning New York.

SAWCE wrote: ↑Tue Jan 17, 2023 12:31 pm Appraisal completed and we’re good there. Appraised value was $566k, so coming in with a bit of equity.

golftdibrad1 wrote: ↑Tue Jan 17, 2023 1:11 pm

SAWCE wrote: ↑Tue Jan 17, 2023 12:31 pm Appraisal completed and we’re good there. Appraised value was $566k, so coming in with a bit of equity.

well thats a huge win!

If you can after you close turn that around and do a HELOC esp if doing 20% down. Don't use it; think of it like an emergency credit card with a low(er) interest rate.

golftdibrad1 wrote: ↑Tue Jan 17, 2023 1:11 pm

SAWCE wrote: ↑Tue Jan 17, 2023 12:31 pm Appraisal completed and we’re good there. Appraised value was $566k, so coming in with a bit of equity.

well thats a huge win!

If you can after you close turn that around and do a HELOC esp if doing 20% down. Don't use it; think of it like an emergency credit card with a low(er) interest rate.

SAWCE wrote: ↑Fri Jan 20, 2023 10:18 am Rate locked at 6.25%. Not as big a drop as we were hoping for, but still shaves a bit off our mortgage.

What kinds of smart thermostats are you guys using? Our utility company offers some nice rebates on the basic bitch Nest (without the learning function) and brings the price down to $25. Same price for what looks to be a slightly better Ecobee model that does have the learning function. Or for $99 can do the learning version of the Nest or the same Ecobee but with some additional temp senses to place in other rooms and help control the temps where you want them.

Nest makes a camera doorbell as well and a smart lock deadbolt, so thinking about going all in on their eco system. But would love to hear first hand reviews/experiences with other brands if you guys have them.

golftdibrad1 wrote: ↑Fri Jan 20, 2023 10:27 am

SAWCE wrote: ↑Fri Jan 20, 2023 10:18 am Rate locked at 6.25%. Not as big a drop as we were hoping for, but still shaves a bit off our mortgage.

What kinds of smart thermostats are you guys using? Our utility company offers some nice rebates on the basic bitch Nest (without the learning function) and brings the price down to $25. Same price for what looks to be a slightly better Ecobee model that does have the learning function. Or for $99 can do the learning version of the Nest or the same Ecobee but with some additional temp senses to place in other rooms and help control the temps where you want them.

Nest makes a camera doorbell as well and a smart lock deadbolt, so thinking about going all in on their eco system. But would love to hear first hand reviews/experiences with other brands if you guys have them.

No experience with the nest, but i have the eco bee and I like it.

CaleDeRoo wrote: ↑Mon Jan 23, 2023 7:36 pm Yo B that place is dope. New construction life is going to spoil y'all but you earned it.

SAWCE wrote: ↑Tue Feb 07, 2023 6:56 pm Went to the title company today and signed all the final docs for the house. Had a final walkthrough with the builder’s PM after that. Was a little to see how much they have left to do between today and tomorrow. Will be annoying if some things have to be taken care of after we move in. She sounded optimistic about everything being finished by the time the keys are turned over to us tomorrow. Said she’ll be the last person in the house after the cleaners go through the whole thing and she’ll change our air filters and swap out the locks/keys and then it’s ours.

SAWCE wrote: ↑Tue Feb 07, 2023 6:56 pm Went to the title company today and signed all the final docs for the house. Had a final walkthrough with the builder’s PM after that. Was a little to see how much they have left to do between today and tomorrow. Will be annoying if some things have to be taken care of after we move in. She sounded optimistic about everything being finished by the time the keys are turned over to us tomorrow. Said she’ll be the last person in the house after the cleaners go through the whole thing and she’ll change our air filters and swap out the locks/keys and then it’s ours.

Tar wrote: ↑Thu Feb 09, 2023 2:29 pm , I was elated on day one in my first home, is probably Christening a room or two

SAWCE wrote: ↑Thu Feb 09, 2023 8:13 pm

Tar wrote: ↑Thu Feb 09, 2023 2:29 pm , I was elated on day one in my first home, is probably Christening a room or two

Hahaha took care of that last night. Air mattress is extra… bouncy.

We finally got over to the house last night about 8:00, unpacked a few small things, then hopped in the bathtub, lit up a joint, and split a pizza. Smoking while soaking in a warm tub is 5/7.

Moved a few other things over today, will do a few more small loads tomorrow, then Saturday we’ll grab a uhaul and bring the rest over in one trip. The garage floor is being epoxied right now, so we’ll have to park outside for a week while that finished curing, but glad we scheduled it for day one and don’t have to worry about pulling shit out of the garage to do it later on.