Mortgages and escrows and short sales

.... Oh my!

I can't believe it has almost been a year since I bought my first house! Well, I'll be clear, it's not like I threw down a couple G's and bought the house outright, I put down my down payment and signed the papers on November 28, 2012. Let me tell you, sitting in a room with my real estate lawyer and real estate agents was a big "grown up" moment for me. I didn't even ask my parents to come along!

Like I mentioned in my update post, I probably dragged my parents to about 25 properties over the span of a month. I pretty much required their presence at every house. I needed to have both of their opinions, no matter what!

I actually felt in love with a different house. I was head over heals for the open layout and fire place and location. After a day of thinking about it, I contacted my agent to get the process started of making an offer. Just as I went to gaze at the pictures one last time, I noticed that there was already an offer on the table. I would be lying if I say I didn't cry about losing that house. I actually sent my agent an email with a bunch of sad faces. Real grown up, Amy!

Luckily, he understood my disappointment and urged me to keep looking. There were plenty of properties in the area with my requirements. Which by the way, was a garage... and a garage. I didn't really have many more amenities that I NEEDED to have. Outside of the price, I was pretty darn flexible.

The next time the four of us trekked out, I ended up stumbling across a house that was similar to the one that I lost. And the situation was very unique. The house was in a short sale and the seller had an offer for the house, but a few days prior, they found out the buyer was planning on renting the unit instead of living in it. Unforutnately for him, the Association doesn't allow renters so the buyer dropped his offer. The seller was days away from being foreclosed and the previous buyer's offer would be valid with the bank for another 30 days.

From there, time was on fast forward. I found a broker who helped me find a mortgage company, my credit was checked, and an offer was placed. Then a home inspector, a radon test, and furniture was purchased. The entire process went very smoothly, there were no problems and in literally 30 days I had my first house!!!

Well, to be clear, I'm not in a stand alone house, I live in a quad, classified as a townhome. But it's perfect for me and Leia. It's 2 levels with 2 bedrooms and 1.5 baths. And it has a fireplace, which turns out to be my absolute favorite part of the house. It also has a fenced in porch and balcony... perfect for enjoying the weather when you don't have your own lawn! There's laundry in my house and an attached single garage. Perfect little bachelorette pad!

Even thought it's almost been year, I just hung curtains with the help of my parents, just a few weeks ago. Did you know how expensive those things are?? I am still missing a lot of things I'd like to have in the house, but every day Leia and I keep making it more and more a home.

It's currently dark and close to bed time, so I think a future post will have some before and after pictures. Oh, and brace yourselves for the holidays... the place will be DRIPPING in Christmas. I am so excited! :D

Puppy Love

Besides moving out and buying my first house, one of my biggest desires was to adopt a puppy. Well, this desire has been strong since I was about 10 years old. I remember Doug and I begging our parents for a dog throughout our entire childhood. Both my parents answered with a resounding "no." I think some of it had to do with how terrible Doug and I took care of our hamsters.....

But anyway. To settle us down, my dad promised that as soon as we owned or lived in our own place, he would buy us our first dog. So you can imagine my excitement when I closed on my house. I could barely contain myself as I prepared the house for moving in.

I think it was about 4 weeks after living in my house when I decided I couldn't wait any longer and dragged my family to 3 adoption shows one Saturday. I remember it was really cold and snowy but I was determined to start my search for a furry friend. It was actually at the first show we stopped at where I met my purrrrfect little puppy! Her foster name was Maroma and I couldn't stop thinking about her all day! I was so excited and her foster mom was super nice. She gave me her number and helped with the entire process.

After filling out an application, doing a home check, and buying all the supplies, Leia came to live with me. I was SO EXCITED! Except... it was definitely not a joyous first month. In fact, a few times I thought maybe I couldn't handle being a dog owner! Leia was about 8 months old and VERY rambunctious. I didn't have any experience with young dogs and had no clue what to do. She was very mouthy and wanted to play with her teeth. She also had this little game where she would lunge at my feet and bark. Non stop barking. I spent a few nights crying because I felt like such a failure. Thankfully, my friend Gina asked one of her friends for some suggestions on raising a young pitbull.

They worked! I needed to establish who the boss was and I really never thought of that. She was rescued from an abandoned building downtown and brought to a kill shelter in Chicago. Then from there, she was brought to a foster where she stayed for a few months. And then was moved to my house. I didn't really think about all she had been through in her first 8 months of life.  After we established that I was indeed the boss of the house, things started to go wonderfully! The barking stopped, too!! :)

Outside of all the accidents in the house for the first few months (and all the paper towels I went through), she has been a wonderfully little lady. We went to 2 training courses through Petsmart and she can sit, down, short stay, heel, come, return, off (still need some work on that one), and shake. We have a lot of work to do.... we need to work on a long stay, a better off, and a better drop it. She is a horrible puller on walks and that has been a struggle. But I am using walking aids to help with that.

My parents were surprised and my choice of a mid sized pitbull. They both assumed that I was going to go for a small cuddly dog. But I told everyone during the entire process that I was just looking for the perfect fit. Anyway, it didn't take long for Leia to fall in love with my mom. SERIOUS love with my mom. When she sees her, she is ridiculously excited. Most of the time she cant contain it, it's really cute. My dad, on the other hand... she has always played very rough with him. Well, it turns out it wasn't just my dad, she plays rough with all men. Not sure what that's about... but she has gotten much better and now they even sit nicely together!!!

 This is a pretty rare moment, where the two of them sit nicely together! :P

One thing I do is take a TON of pictures of her. I'm pretty sure that's all my instagram is... haha. Here are a few of my favorites from my phone.

                          Leia's picture on the adoption agency's website           Leia's first night with me chewing a bone

                     Her goofy smile is basically my favoritest thing         Her first experience in snow!

                         Her silly personality slowly started to snow           I mean, come on. This cracks me up

                           In winter we went to a tennis court to play           She loves squeaky toys more than anything

                         Haha I love her face so much                 She really does sleep like this!

 

                                                              Another squeaky toy!!!          "Hy mom, this couch is so comfy"

                                This is how she sits when I eat dinner ha                 So comfy in my bed

                                            She loves a good car ride!                        And hanging out at  my parent's house

                                              Aww lookit that smile!                Playing outside is our favorite thing to do!

                                                         My little pumpkin                           Cuddling up on Halloween


She is basically the best roommate.... except she never makes dinner, cleans up, or scoops up her poops. I can easily overlook all that just so have her happy smile around all the time! I need to start planning our anniversary! :)

Silent Night

I have plenty to talk about per my last post and future post ideas, but for some reason I have a need to write this one first. There’s a chance I may delete it or make it private after posting it. But I know that deep down, I have an obligation to myself to write these thoughts as they swirl around my head daily.

 

One of the bullets in my last post indicated my grandma passed away since I last blogged. While true, it happened much more recently than many of my other updates. Last month, my mom and I had a trip planned to visit my grandparents, who live in Ohio. My grandma had a nasty fall down her basement stairs back in July. 13 stairs later and a stroke to blame, she was admitted to a rehab hospital to heal. She had many bruises, bumps, a fractured shoulder, and lots of stress on her body. True to her nature, she took it all in stride with a smile and patience. My mom and her brother traveled out there to visit frequently to check in on my grandpa and visit my grandma. Generally, she was healing as expected. Of course there were a few complications. What we thought was a bad reaction to some antibiotics for a cut on her leg, turned out to be an infection to her colon. For a few weeks, Grandma was extremely sick and unable to eat or sleep. Luckily, it passed and many of us didn’t think much more about it. There was one weekend in September that we thought she would be released soon; her color, attitude, and mobility were all doing so well!

 

In late September, we got another call from the rehab hospital letting us know that she was sick again, the same way she was earlier in the year. However, this time, it was worse. I remember having a conversation with my dad where we both questioned in the hospital’s cleanliness and why she was getting sick so much. My mom and I decided to make a trip out there to investigate what was making my dear grandma so sick to her stomach. I was ready to whip out my mean face and urge a transfer. Just as I arranged everything at work and packed up Leia’s things for a weekend with my dad, we got a startling phone call.

 

My grandma had been admitted to the hospital. She was getting extremely dehydrated from being so sick. During routine testing, they found that this “sickness” was the result of a deadly infection, called cdiff. The infection had been eating away at her colon. It was at the point where it needed to be removed for fear that it would kill her. This was especially alarming because of how weak her heart was. My family made the decision at 8:30pm to drop everything and drive out to be with her. Please imagine an overnight drive to Ohio with a year old pitbull in the backseat of my mom’s new SUV.

 

We pulled in around 4am where we found my grandpa asleep. Unsure of what to do, my mom called the hospital where we learned that Grandma and the doctor decided to have the surgery as time was not on her side. She survived the surgery and her heart did great. I think all three of us (and I’m sure Leia, too) sighed a huge sigh of relief. We all stumbled to bed to catch some sleep before Grandpa woke up. Morning came too quickly as he started moving around at 8am. After breakfast, we made a plan to see her in the Cardiac ICU as my uncle still had another 5 or so hours on his drive.

 

I actually can’t remember many of the details of that day. I can’t tell if it’s because of extreme fatigue or that I don’t want to remember what happened. I do recall sitting in the waiting room all day. Only a few people were allowed to go back at a time. She was still unconscious with a breathing tube and many, many IV bags. She wasn’t responding to nurses or family. Before I even went to see her, I felt sick and panicky. Could I really go in there and see her like that? Thankfully, no one forced me to go in until I was ready. And even better than that, my grandpa got her to respond to him after a few hours. I remember going into her room and her nodding and shaking her head to my voice. At one point she squeezed my fingers. I told her some stories and told her that we needed to play our favorite card game while I was in town. I remember she nodded her head and I swear I thought I saw her lips move into a tiny smile. While things were bleak, I think we all left that night with a little bit of hope that she was starting to respond to us and the nurses. I could just feel that she was glad to have us there, especially my mom.

 

I do remember falling asleep rather late that night, poor Leia just had too much energy.  Actually, I believe I drifted off playing fetch with her. Oops. I remember seeing 11:30pm on my phone as I cuddled on the couch with her. Around 3am I heard the house phone ring. Wait, what? Where I am I? Leia jumped up too. I fumbled with the lamp and realized I was still in the basement at my grandparents’ house. And the phone rang? Oh no, that cannot be good. I raced up the stairs to find my mom hanging up the phone. The hospital called and said my grandma’s blood pressure was extremely low and that they were planning on giving her a few more medications to bring it up. Geez, was a phone call to the house at 3am necessary? I crawled back onto my couch and settled Leia in. My heart was still beating but fatigue took me over again…. For 15 minutes. The phone rang again. I didn’t bother getting off the couch this time. I texted my mom to avoid another silly trip upstairs. Her response back to me was “Get dressed.”

 

The four of us rushed the hospital. On 4 of the strongest blood pressure medications, my grandma’s BP was only hovering around 50/30. The nurse didn’t think she was going to last much longer. What? Didn’t we all leave last night in good spirits? Didn’t she squeeze my hand goodnight? How could this happen? We sat with her from 4am until 1:30pm, where she eventually passed away. For those 9 hours, we sat and watched her blood pressure slowly drop. We met with many doctors who told us there was nothing they could do. Her kidneys shut down and weren’t producing anything. Her BP kept dropping. At one point around 5am, her heart stopped and I remembered watching the nurses revive her. Twice. She was responding to us up until the last hour… moving her head and hands. It just didn’t seem real at all.

 

The sun peaked through the clouds around 1:15pm that afternoon. We were all there: my parents, uncle, aunt, grandpa…. We watched the monitor drop to zero. As I even type those words I begin to cry. I don’t think it’s possible to forget that screen or the bright, natural sunlight peeking through the blinds.

 

Was this too much information? Too personal? It may be. Frankly, I don’t care. I have been struggling immensely since September 27. I’ve gone through phases of denial, to extreme sadness, to anger. Everything reminds me of her and it’s very painful to think that a visit that was supposed to be a “fun” one with card playing… that turned into a funeral. The most exhausting and emotional funeral I have ever been a part of. As we picked out caskets, her dress, prayer cards, I couldn’t stop thinking that she won’t be here to see me ever get married, have children, see my house, or be there to talk to. Even today, I need to find a way to work through the emotion and start to move past the pain and anger.

 

Who am I angry at? Well, myself for starters. I didn’t go out to see her once since she fell back in July. I let work take precedence over my family. I didn’t get to see her and hug her and hear her voice. Why did I let myself pass up those trips out there? I could have gotten to talk to her, maybe even urge a facility change earlier to prevent the second infection. I don’t think I can describe what I would do to hear her laugh and to play cards with her around the kitchen table one last time. She was so terrible at shuffling the 2 decks of cards we played with. I am angry at her, too. Why couldn’t she wait for us to get there before surgery? She had to know that we were mere hours away. Why couldn’t she just hang on until we got there to say a proper goodbye? Why does she have to live so far away that I can’t visit her grave site whenever I want or need? Why?

 

I’ve been having nightmares. Well, it’s gotten better the past 2 weeks. I would see the nurses, the crash cart, but most of all her vitals on the screen… slowly dropping to zero. I started to avoid sleeping to avoid having the dreams. I would wake up in tears and feel sick and I didn’t want that anymore. I gave up naps and stayed up as late as possible. I thought if I was SO tired that my body would skip the dreams. This tactic worked for the most part, but other parts of my life started to suffer. I started getting too tired to do a good job at work, and I didn’t have energy to play or walk Leia. So, instead, I started letting Leia sleep with me each night. Before, she was only allowed to on weekends or special circumstances. But now, when I wake up from a bad dream, she is always there to lick my tears away and cuddle with me. I’m not resisting the dreams anymore and they still happen a couple nights a week.

 

As the holidays approach, I fear how I will handle it. I will feel perfectly fine one day but then hear a song on the radio, see an angel ornament, or see her picture and feel very sad. How will Thanksgiving and Christmas go without her? How will it feel not to get a Christmas stocking full of silly Walgreens gifts? How will it feel not to address a Christmas card to her? How will it feel to hear Silent Night, the one Christmas song that would make her cry? Right now, I am pushing those feelings aside as I still struggle with denial and anger. I can only hope by the holidays I have entered acceptance. Acceptance that all of her discomfort is gone and that she is reunited with her mother. Acceptance that she is looking down on us and sending us all of her love.

 

Acceptance that even though I didn’t go out to see her enough, she still loves me. Because I think that is what I struggle with the most.

 

Rest in Eternal Peace, Grandma Dot. I love you.

Remember when...

... I used to blog consistantly?

... I bored readers with Foliage Friday?

... I bought a townhome?

... I adopted a puppy?

... I survived my 2nd annual Park Pride work program?

... I had 2 concussions?

... I managed to make it through my second summer at work?

... I lost the most wonderful grandmother in the world?

... I geeked out over the holidays and made my house look ridiculous with Halloween decor?


My, my. What a very sad year it has been. I can't believe it has been 10 months since I updated this poor blog. If you can't tell from the above list, it has been a crazy, insane, busy couple of months. I thought about writing specifically about each of the above points.... but I realized that would probably take me another 10 months. :)

Let's add some pictures to summarize the major points. And I will definitely expand on a few things. And I vow to be a better blogger!!


1. Soooo... I bought a house! It was actually a very exciting experience. After looking at well over 20 properties (with my poor parents, I can't really thank them enough for being so patient and going to EVERY property with me!) I fell in love with a townhome nearby. I was very lucky to also find a house that was in the final stages of a short sale. The previous offer fell through and I was able to swoop in without any of the bank mumbo jumbo. I closed on my little dream townhome at November 28, 2012 and moved in on December 30, 2012.

 One of things that I had to change before moving in was this silly window cut out on the second floor.  The windows were outdoor, and they really didn't go with the house.

My dad's friend was willing to come and tear out those silly windows and make my second room a loft. He also painted the entire house for me!

 Here is a shot of my house with the furniture moved in after my friend, Gina, and I moved it all in one night!

 My windows looked like this for quite a long time.... who knew window treatments were so expensive??

My most favorite part of my house is the fireplace and mantle. Well, I don't love the black marble on the front, but I just love having a fireplace. This is one of the fire times I enjoyed it last spring!

2. Shortly after moving in, I finally reached my second goal in life... adopting a dog! I could hardly wait a month after living in my new house. Again, I dragged my parents to 3 different adoption shows before deciding on an adorable little pitbull. Before I even started, I knew I wanted to adopt a dog from a shelter/foundation. There were SO many adorable, loving dogs that day.... but there was 1 little baby that captured my heart. It didn't bother me that she as a pitbull, I just connected with her! After filling out an application, having a home visit, and getting her spayed, miss Leia came to live with me for good! When she became part of my family, the vet estimated she was about 7 months old.

 This is a picture from her foster mom about a week before the adoption was final. Look at that face!!

 After a few weeks with me, Leia started to get very comfortable. This picture of her on my arm chair just cracks me up!

One of my most favorite pictures of Leia! This is basically her expression 85% of the time. She is probably the happiest dog I have ever met. She cracks me up every day and I am lucky to have her in my life!

3. I survived another busy season at work. And holy cow was it a busy one. One of my coworkers was let go in mid winter, leaving us with 1 less full time staff member to plow. We weren't able to fill the position until May. That was a good 5 months of me losing my mind trying to get everything parks related done... even the parts I didn't know. Then, in August, my supervisor left for another park district. We still haven't filled his position yet... so this summer has been beyond hectic. I don't have many pictures on my personal laptop of what I've done at work this year, but here are a few I got off my cell phone.

 

I have pots in a few locations around the district. This year I wanted to try a purple/green theme. This picture is right after I planted it, I wish I had a picture of them fully grown. I don't have ANY landscape design experience so I'm trying to teach myself as I go.

As I did last year, I planted mums throughout the district again this year. This is a spot at the shop I use to hold plants. When all the mums were delivered, this entire cage was filled up! It was an impressive array of mums.

I think that's all I've got for tonight. I wanted to highlight a few of the major points over the past 10 months. Of course, I will probably write more about my grandmother and my festive household decorations!

What would you like to read about? Anything I missed that you want to hear about?