Can You Afford a House?

Mortgages.  Depending on the price of your home and/or the amount of your down payment, there may be several options that fit your needs.  They include VA (for military veterans only) which allows 100% financing for the purchase, FHA (Federal Housing Administration) which allows a purchase with as little as 3% down and Conventional, generally the best option when putting down 20%. Did you know about the USDA Home Loan?  USDA loans are one of the only home loans available today with no down payment required.  Homebuyers may finance a home for 100% of the purchase price.  No Funds For Closing, 100% financing to buyers and closing costs can be paid by the seller or rolled into the loan, provided the home appraises for more than the purchase price.  It’s not Just Farmland, properties are often near desirable metropolitan areas like Basehor, Kansas.

I am super lucky to work with one of the best lenders in Kansas City.  Although, I know there are many excellent mortgage lenders in the area, I personally prefer someone that interact with on a personal and professional level.  Erik Lorfing at Mortgage Lenders of America has down all of my personal home loans and he is the one I refer all my friends and family as well.  He is has been in the mortgage business for years and knows what he is talking about.  One of the reasons my clients love him is that he can explain the mortgage process to you in way you understand it.  You know those silly mortgage commercials that use all that fancy wording and for some homebuyers, it just confuses them more.  When you are honest and genuine I think you will relate better, in my opinion.

When you work with an Exclusive Buyer Agent with RE/MAX(that would be me) in finding your home, they unequivocally represent only you and your best interests.  I will assist you in the mortgage process and make sure you understand every little detail.   You, as a Buyer, get the benefit of The Fred Perry Team’s experience in negotiating countless contracts over the past 40+ years.

You not only get the benefit of a my team’s experience, but it doesn’t even cost you anything.  As before, when all agents represented the Seller and the Seller paid their commission, the Seller still pays!  In most real estate transactions, there are two agents involved: one represents the Seller and we represent you.  The agents spilt the commission…that’s how we get paid.

Erik Lorfing

Mortgage Lenders of America

10975 El Monte

Overland Park, KS 66211

elorfing@mloanusa.com

Office: (913) 491-4299

My First Listing

I never thought I would be so nervous when it came to listing my brother-in-laws home.  Going into very confident, I soon realized that I was putting all this pressure on myself to be perfect because I didn’t want to mess anything up on my first listing.  This house was a charming ranch in Prairie Village, Kansas (a highly sought after area) and I assumed it would go quick.  The market is super crazy right now in Kansas City, homes are selling in the matter of hours and for over asking price.  Can you imagine trying to purchase your first home for $250,000 and having to offer $20,000 over asking price?  Crazy, but that is exactly what is happening now.  I’m hearing stories everyday about clients losing in bidding wars while still going over list price and its not only frustrating for them, us Realtors are frustrated too.

My brother-in-law and I decided we were going to get the place fixed up and he was going to move out in order to keep it “show ready”.  His family worked so hard to get everything cleaned and staged in order to show home buyers the potential in this home.  He had bought this home back in 2014 for a steal (it was a foreclosure).  For the past couple years he has been doing updates here and there in hopes to sell it when the time was right.  Apparently April 2018 was the right time.  Woo Hoo!

 

Above are some before and after pictures.  I had KC Media Team come over and take the listing photos of all the hard work he did.  Aren’t they great?  I loved how the photos turned out.  Remodeled kitchen, refinished hardwoods throughout living and bedrooms, and fresh paint everywhere make a huge difference.  Beautiful. (Kitchen remodel done by Residential Revival)

We listed it on a Friday and it was under contract by Monday evening.  All that hard work paid off.  Now we wait until closing…

Super Mom, kinda but not really

I don’t think I was fully prepared to be a wife, mother of 2 girls under the age of 2, and a full-time employee.  How do people do this!  After being off work for 12 weeks, I finally went back to work on Monday and realized what I had been missing was not worth missing.  The first day back it seems that I scared off the replacement we hired to help while I was gone.  She literally went to lunch and never came back, leaving me with a full afternoon of patients, one doctor, and new office software I had never touched.  Stupid girl.  Why bother even coming in on a Monday morning if you plan to go to lunch and not come back?  The day went fine though, mostly because I’m freaking awesome.  I would like to find the little twit and tell her thanks for setting me back on taking a new position.  Now I have to find and train the next person which is going to take forever.

Everyday is battle for me lately.  Basically a battle not to open a bottle of two buck chuck when I walk in the door from work.  I know I can’t be the only one that feels that way.  My oldest girl is so great with the new baby which actually surprised the hell out of me.  She basically just tickles her fingers and feet, kisses her hand, and tells me to put her down. She has her little meltdowns though when I’m holding Reese or feeding Reese.  Exhausting some nights. All I’m thinking about while I type this is a bottle of wine.

Hopefully all this exhaustion will pass.  I pray that it will at least.  Between the dishes, laundry, and the attempts at sleep I feel like a failure some nights.  Wendy’s counts as dinner, right?  I even found myself flipping off my 22 month old as she ran away from me the other day.  Okay, I know what your thinking but her back was turned and that was me getting my frustration out.  I realize that I’m not winning Mother of the Year 2012 but maybe next year.

Struggling: present participle of strug·gle (Verb)

I think I am struggling to find my place as a new mother, wife, and a friend.  It is amazing how my life has changed over the past 3 years.  Some say that the 9 months of pregnancy prepares you some what for what the future holds with having children and I am now realizing that it is true in certain ways.  I truly have a new respect for working (and non-working) mothers. The LONG 9 months of pregnancy were super boring and pretty lonely for me so I had many nights at home by myself and I find myself in that same boat now.  Don’t get me wrong, I love my little munchkin and would not change a thing but adult interaction is lacking.  And when I say I need adult interaction, I mean people other that the in-laws a couple of houses down and my husband. What most people don’t realize about my husband is that he doesn’t have a typical work schedule like the typical 9-5 worker.  He works 24 hours on, then he will have 48 hours off.  It is just an ongoing cycle.  So holidays and “weekends” vary.  It also doesn’t help that every Saturday he has off from the fire station he bartends at a small little local establishment for what we call “spending money”.  So if he is at the fire station all day and night Friday, Saturday he goes to work at 4pm, and then attempts to sleep in on Sunday.  That weekend is shot for me.

Who wouldn't love my munchkin!

I guess the struggling part is how I can still keep somewhat of a social life and keep the family life in tact.  My life revolves around my husbands shift and I knew that going into the relationship but I have a hard time with it a certain times.  Maybe it is too early to make any rash diagnosis or start therapy.  Also, I have a strong feeling that it might just be the winter blues and when the weather changes, all will be fixed.  I truly think one can go insane spending so much time indoors during the cold of the Kansas winter.

Silver Platter? More like an Acrylic Plate

So I recently accepted a job offer at an opticians office up the street from my house. No more 40 minute drive to work!! Hollar. I am taking on a completely new career path and I am super excited but also nervous.  Excited because it is something new and I have never worked in the healthcare field and nervous for the same reason.  I am going to be the new girl who knows nothing about this field except for the fact that contacts are expensive, especially for blind people.  Since I will be starting school the same week I start this job, I will slowly be gaining knowledge on the healthcare industry.

I wonder how many people are doing what they love or what they have dreamed of.  Truth be told, I never dreamed that I would be working for an eye doctor but it is where I am at this point.  The long-term goal is to become a certified medical coder and be able to work from home.  Who knows, maybe someone will pay me to write a blog on a weekly basis.  I think as I have gotten older my priorities have changed.  I am not working to be rich, I am working to be comfortable and happy.  Don’t get me wrong, lots of money would be nice but my life is not going to revolve around it. My dream would be to have a stay at home or part-time job that enables me to stay at home with my child(ren).  A girl can dream right?

It is amazing that you can look around at your peers and notice that some of these people will never have to work in their life because their mom and dad will take care of them.  Pretty sad that your parents have worked so hard in their life and you sit back and enjoy the benefits.  My parents still are working hard but if I asked them for $5.00 they would laugh and say, “you have a job, don’t you?”  Yes I do.  I would love to have an endless bank account but what kind of person would that make me.  Spending money all day doesn’t sound like very much fun.  Sitting at home doesn’t sound like that much fun either, maybe in the summer if I had a pool.  God, just not having a mortgage payment would be the best situation.

The reason I bring this up is because I see many people my age not working or still living off their parents.  Sure parents help you out when needed but you are 30 years old, you can pay for your cell phone bill.  My parents taught us that if we wanted things in life we had to work for it.  It sucked so bad growing up but it has made me into the person I am today.  I want my daughter to know that she will need to work for the finer things in life.  She will have a job and she will pay for the things she wants later in life.  How in the world will she learn anything if I give her the world on a silver platter?  I will spoil her now in the first couple months of her life but she will know work ethic at an early age.