Venting Alert!!!

I'm so mad as I'm writing this post.

Worried about the ever climbing interest rates, we pinged our NVR LO today... (who never pings us anymore). Remember when they tell you, they'll keep checking the rates for you, and keep you informed about your situation in the market....Well we were not counting on it, but whenever we call her or email her, she seems so disinterested in the conversation!!

Anyway, shopping around, we found out that the rates are gone up with every lender but the closing cost were not as bad as NVR is quoting. She responded saying, Oh sorry I couldn't reach you earlier but today's rate is 4.25% (what I saw online was 3.81% from most of the lenders). She never answers our question about waving their "origination fee", which our SR told they would do during the agreement fiasco!

On our weekly update call with our SR today, we  mentioned our situation with NVR and a strong possibility to go with another lender. He very politely said that we should do what's best for us (translation... sure! say bye-bye to your builder's credit first). But he volunteered to have a chat with our LO.

On the OTHER hand:

Today we asked our PM when (and if) we can add soundproofing insulation. The answer of course NO! YOU CAN'T TOUCH ANYTHING IN YOUR HOUSE!!! (You just pay for it! Now and later x-|) They love the phrase "liability issues"!!

So we pay a higher rate and price, but we can't do our own wiring or add insulation or move a pin. We can do it all later of course (when dry wall is up and RH pack their bags) and pay extra money to a contractor, and live through a renovation!

We are invited to a block party at the model house tomorrow, to meet our future neighbors. I was very excited about it, but now I don't even feel like going! I'd rather use the time to reach out to some lenders!

Its just one of those days, when you question your most important decisions. Sigh!

More wood....

So stopped by the site again.... Saw a lot more wood!

Some how everything looked tiny, except for the formal dinning, which we are not very crazy abt....

So here it goes, more pictures.....

Entrance..... I hate that its gonna be a small, skinny door!

View from Garage.... mud room, laundry, pantry, kitchen all framed in......

other view from garage... dinning, foyer etc....

the weird triangular mud room

laundry area

Kitchen

 

 

window over the kitchen sink

Cut out for fireplace

The shower made it in.... finally

Hope they are following this....

Space for stairs

Wood with window holes ;-)

Very excited to check out the framing after 3 days, we stopped by our lot yesterday. It wasn't as much progress as I thought it would be. Looks like they did not work the whole weekend after all...But its good to see that it started!

Here are some pictures.... we could almost figure out where everything would go... :-)

 

 So this is the front of the house.... with holes for the door, dinning room window on the left and couple of windows for the study on the right.....

 

Study from inside!

 

Dinning from inside....

 

 Hubby trying to figure out how our jacuzzi tub will fit in the master bath

 

Our potential master bedroom!

The view of our future kitchen and there will be a mud room and laundry by the garage ;-)

 

Pics of our shower for master (up) and the tiny shower tub for guest bath (down), which have been lying around on our lot forever.....waiting to find they way in!

 

This is the tiniest tub ever.....

Can't wait to check out the progress today evening..... :-) More pics to follow...

Framing update....

After 10 days of delay, they did start framing today....Finally!!! :-)

Drove by the home site around lunch time and took some pictures!! Our PM said they will be working this weekend to catch up. I feel bad for them!! :-|

We are headed to Chicago for the long weekend to spend some time with our family, so we'll be missing some action. But I can't wait to get back and check it out on Tuesday. I think this will be the first time I'm excited for a weekday after the long weekend! ;-)

Hope you all have a wonderful holiday weekend. Stay Safe!

Updates....

Loan Update:

Our NVR LO has been in contact with my husband since last Friday. They sent an Good Faith Estimate and Cost Analysis. Somehow I feel that their closing costs are climbing very time they contact us. And of course, they mentioned that the cash required for closing is subjected to change. So I shouldn't be surprised I guess!
Anyway, today they came back and asked for some more documentation that will be reviewed by underwriting. They also mentioned that they may ask for additional information and/or documentation after the review. Well, I decided to leave that part to my husband....Its not very exciting.....I can't take pictures, so I'll stick to the construction zone!! ;-)

Framing update: Nothing! :-(

They did not start it yet.... I drove by the home site around lunch time today and there's no activity! My hubby says I turning into an obsessive homeowner (to-be) and I should leave our home site alone! But I just can't help it :-|

No framing yet....

Last week our PM had said that they may start framing our house on Wednesday, so (as I was way too excited to wait) I drove down on Wednesday afternoon to check them out it action....but there was no action!! Found out from our PM that the crew was finishing up framing another house, and we were next in line. We heard back from our SR and PM today, they said that the framing won't start until Monday as the crew is still wrapping up on the other house and its raining. So no progress this week!! :-|

On a different subject, My husband and I had discussed running the wires for our home theater system ourselves when the framing was done. We know many people do that, we had talked about that in our interactive session too. So we asked our SR and PM to let us know when we can do that. Turns out, we cannot!! Our SR said that it was against their "Policy"....for liability reasons. I know other builders allow that, my sister and her husband did it themselves when their house was being built.
We are disappointed, because we really love our surround sound and we wanted to do it ourselves, save some $$$. Anyway, our PM jumped into the conversation and said that if we get the wiring done after closing, he would fix the drywall for us......hmmm we'll have to think about that, I guess!

Don't walk in our Garage! :D

Yup, we have a garage..... well, just the floor, but still! ;-)

We got an update from our PM yesterday, our garage concrete is poured, our crawl space will be inspected today and if everything goes well, they may start framing tomorrow..... Can't wait to see it rise!

So we checked it out yesterday evening.....

Its a two car garage but somehow everything looks small! :-(  I don't know how they are gonna fit our house....

The only thing that doesn't look small is our backyard! My husband and I walked to the back end of our lot, and god knows how we (by we I mean my husband) are gonna maintain that! :-|

We also met with one of our neighbors yesterday.... another advantage of stalking! Very sweet family, they were very friendly to us. They seemed impressed by Ryan Homes and the speed with which the neighborhood was growing.... 46 houses and counting!!! :-)