Wednesday, December 31, 2014

Still waiting....

We met with our Loan Officer on December 10th.  It felt like we were signing every piece of paper in the office, but things appeared positive with regards to the loan approval process.  However, the timing of our meeting and the loan process could not be more frustrating.  Of course it is the holiday season (Christmas and New Year) so offices are closed and this has caused some delay in moving the process forward.  RH is waiting to receive employment verification documentation from my employment, but no one is in the office until January 5th.  Therefore, our paperwork has been sitting in RH's office since December 17th and they can not forward our information on to the underwriter until employment verification is done. This of course is at the fault of no just creates some anxiety while you wait.  We've provided all of the requested paperwork and documentation so hopefully this delay does not require RH to need any updated documents, bank statements, or other nonsense.

My advice would be that if you're looking for a quick approval so that you can move forward with other parts of the building process....the December holiday time is not the best with getting things done quickly.  Having said this, i'll remain positive and wait patiently!!

Friday, December 19, 2014

Pulled the trigger!

Hi everyone!

I would like to start by introducing myself.  I'm LaRon and welcome to my blog!! I've never blogged before; so please be patient with me as I learn the mechanics and etiquette associated with blogging.

My partner and I finally decided to purchase our dream home through Ryan Homes.

We live in Glen Allen, (Richmond) Virginia and have chosen the Milan. We toggled between the Milan and Jasmine Grove for quite some time but after carefully weighing the pros and cons (including a $10,000) price difference--we chose the Milan.  Interestingly enough we had to take a 45 minute drive to Providence Forge, Virginia to see the Milan model because Ryan Homes does not have a Milan model in the Richmond metropolitan area.  Though it was an inconvenience, it was well worth it when we toured the home.  Some of the standouts of the Milan include a back bedroom away from the high traffic of visitors coming up the stairs and the side-car garage that has a direct path into the kitchen so that you do not have to track across multiple rooms in the home.  Despite the Milan being Ryan's smallest model in the division, after adding a free morning room and finished basement we'll have approximately 3300 finished square feet.  Because we've just recently adopted a beautiful baby girl (Morgan), and I often work out of the home, this will be a welcomed upgrade coming from 1500 square feet (that's currently on the market).  We've decided to go non contingent, so we have about 6 months to sell our home or we'll be paying for two mortgages---ouch!!

Here's the floor plan that we went with:

Stay tuned for updates.  We have our 14 day appointment (12/22/14) wiring (12/22/14), and flooring appointment (1/16/15) coming up.  Oh, we're still waiting final approval for our loan, but pending no issues the move-in date is 5/1/15.