We are Buying a house

We have been living in a TINY 2 bedroom apartment for almost 3 years. With 3 kids and 1 on the way there is no way we can stay here any longer. We started looking at houses in January. Most of the houses in our price range were not in an area that we wanted to live. At first it was really depressing. We did look at one house that had a huge yard and the house was really cute. But the house itself way just way too small.

 In March we finally found a house that was in the right area and roomy enough for our family. The only downside is that the yard is small. On March 14th we put an offer in on a house. On the 16th we heard back that the seller counter offered at full price plus she would pay 3% in closing. At that point I pretty much figured we would not be getting the house. She hadn't even come down at all. we didn't want to pay full price because we did not feel the house was worth it and it needs work such as painting the outside and the roof is 20 years old so that will need replaced within the next 10 years. It also needs all new replacement windows. So our agent told us to come up with our best and final offer and we would submit that and have to be prepared to walk away if she did not accept. So on the 18th we put in our best offer.

We went out of town on March 19th and while we were still there on the 20th our agent called and told us our offer had been accepted. The only stipulation was that if something came up in the inspection the seller would not be able to pay any repairs. We said okay and moved on from there. We went to the bank on March 29th to sign the loan papers. We got a SONYMA loan with low interest and the government gives us $3,000 toward closing as long as we live there for 10 years we won't have to pay that back.

We have had the inspection and the owner did agree to fix a few minor things we asked her to fix. One was a leak on the roof over the sun porch, another thing was there was a smell of fuel oil coming from the tank and she had that looked at and fixed a seal, the other thing was that the Heating vents were full of cat hair so she agreed to have those professionally cleaned and all of that has been done. 

Now we are just waiting and hoping everything else goes well. The closing is set for May 29th but the bank said the closing usually does not happen on the set date so it could be longer then that. I hope not!! I am so excited and can't wait to move.