Thursday, June 24, 2021
This list is what I had put together for the Appraiser.
PROJECTS WITH MATERIALS ON SITE WITH GOAL TO DO THIS YEAR:
REPAIR/REPLACE 2 STAIRS ON STAIRCASE TO LOFT IN BARN
FRONT PORCH WITH ADA WHEELCHAIR RAMP USING ULTRA DECK GRAY RUSTIC COMPOSITE DECKING
BASEMENT RAMP (POURED CEMENT INSTEAD OF BLOCKS *start date June26th or July 3rd *AMISH DOING IT) UPDATE. Starts June 26th J is hoping that they get it to the point of putting in the forms by end of Saturday so Hubby can call for cement to be delivered and poured so they can take forms down the following Saturday.
KITCHEN PORCH INCLUDING MAKING IT WIDER USING ULTRA DECK GRAY RUSTIC COMPOSITE DECKING. (AFTER BASEMENT RAMP DONE)
SOUTH UPSTAIRS BEDROOM PANELLED FALL/ WINTER PROJECT *****
INSTALL CUSTOM CLOSET FOR NORTH UPSTAIRS BEDROOM FALL/WINTER PROJECT*****
INSTALL BANISTER ON STAIRS OF NORTH/SOUTH BEDROOMS (AFTER PANELING INSTALLED)*****
INSTALL PRIVACY SCREEN/CUSTOM CLOSET IN EAST BEDROOM. FALL/WINTER PROJECT
INSTALL BANISTER ON STAIRS OF EAST/WEST BEDROOMS. FALL/WINTER PROJECT
INSTALL WALL AT INSIDE BASEMENT STAIRS.FALL/WINTER PROJECT
2021 EARLY FALL HAVE AIR DUCTS CLEANED
2022 REPLACE WINDOWS
2023 ADD INSULATION AND CRAWL SPACE ENCAPSULATION
2024 REPLACE SIDING ON HOUSE.
We might put the raise the roof on south/north lofts in 2022. SO what is ***** marked might not happen this year. Instead of putting extra money on the mortgage it would be saved to do that. That would bump everything else by one year. We could change it to a dormer. That's the top of the roof line with windows. Be best to put it on the west side of area so not dealing with staircase changes.
or change it to a shed dormer
We really liked this picture he got. Said it is actually from the road and he zoomed in with his iPhone.
We bought it for $165,000 03/09/2018.
It appraised for $400,000 06/23/2021.
I am glad we both were sitting down when that phone call came.
We figured $300,000 to $310,000 (we even bet, loser had to do to the other's chores for a week) with putting utilities in along with ADA wheelchair bathroom and ADA wheelchair ramp on deck. Our mortgage guy thought $275,000.
So I went through the appraisal to see what the boost was from
Stable housing area... there are 2 house in our area for sale... that is it Both were around $270,000 but didn't have the land or barn. Land WAS going for $9000. acre NOW is at $15000/acre. We have 4 acres more than they did. So $36,000 for the land should have been $306,000 . At $15000/acre it should have been $330,000.
Went from 2 bedrooms to 4... could become 5 if we ever raise the roof line on the north/south lofts and put in a wall. As it was he counted it as ONE bedroom. We have thought about it as it's like an A frame and we do use it for bedrooms and non food storage(which is moved to the barn for now with thoughts of keeping it there with some metal cabinets to keep mice out of it).
We have a walk in/out basement with 2 rooms that could be finished into bedrooms. SO the potential of 7 bedrooms is there.
We have 200 amp service to the BARN so it could become a business or another home. As what we call the 1st bay was actually a studio apartment for the original owner while he built this house. The plumbing for bathroom is there (toilet and shower is not, we capped everything) Sink is still there. We have the water off to it because it's not heated in that area.
We have landscaped. A dozen trees, bushes and perennial fruits.
SO definitely no PMI as we now have 40% equity in the property.
Wednesday, June 23, 2021
We are still waiting for appraisal to come in.
Unless the strawberries bloom again this fall... those are done with the last batch in the freezer.
Blackberries are coming on slowly. I had 4 today.
Blueberries are the size of peas but are turning as I got 8 today. I was surprised to get any as they definitely got hit with the frost and snow with blooms.
We had 8 sour cherries off the trees.
I picked snow peas three times. I picked regular peas twice. Hubby told me I needed to pick again today as he was just out in the gardens.
I dehydrated basil, cilantro, dill weed, sage, oregano, rosemary, and apple mint. I will reload today.
We have ate from the gardens or pantry.
I got 1/2 bushel of peaches for $24.50 from Amish bulk store. They were told they were cling free... they aren't. I made 7 qrts, 5 pints of peach jam with half of the. Saved pits and skins (will make jelly with that). Today I will finish the peaches making freezer jam. I will call the other bulk store and see if they have cling free for my canning. I like halves when I can them as fruit and check to see what apples they have in.
Hubby got the last of the rebar for the basement ramp that should start this Saturday or next Saturday. J got slowed down on the job he is trying to finish to start ours with the weather that came through. He also picked up some odds and ends while at Menards we were needing for other projects. He paid ZERO out of pocket since he used rebates.
I ordered Resveratrol (take for cholesterol with a side benefit is helps lower dementia risk also), dehydrator screens, a spice grinder (mine is making noises) and 3 kindle books about Blue Zone life style and eating during Amazon Prime Day for ZERO out of pocket using Amazon coupon and cash back points.
E brought two of his horses over to graze his pasture on the south side of us and our pond area so we won't have to mow that area saving Hubby time and gas. He said he would mow it around the pond (he can get a lot closer with his side mower and horses) after he removes these two in about a month or so.
I have one med to only take every other day and another only as needed... that will save $15/month between the two.
How is it going with you?
Thursday, June 17, 2021
What a week!!!!
She found a picture on Pinterest. I found a pattern on Esty and then changed it to be bigger as they have 5 sons between them and told her to get at least 4 chairs. I wanted it big enough for a cooler or dorm frig to be in the side of it but not cause an issue with them bumping into each other or it. Hubby and I agreed that due to weight (4 pallets) that it should be on rollers so if either of them are alone and want to move it they can. H, Amish neighbor on our south side built it. He said it's almost like the counters he makes for Amish that sell from home. He also now has 2 orders from Englishers that stopped for other reasons. So he gave us a discount. The top was the hardest and most time consuming to do. It's now at N's, the Amish we bought the house from as he builds furniture and has the ability to spray it with sealant to protect it from the weather. I told daughter she might have to pick up pavers for the edge of her patio. Said she had thought about it anyways as the gravel doesn't stay put next to the cement pad. We will be delivering it Saturday morning early. SIGH as that's a 2 hr. drive one way which means no sleeping in. When I told her she said she would have coffee on so if I didn't get my 3rd cup, she has me covered...the child is like her mother... 3 cups a morning for her also.
I did not collapse yesterday. Wanted to but had garden to catch up. I put 13 trays of basil, 2 of cilantro, 2 of apple mint and 1 of dill fern aka weed in the dehydrators . I canned 3 pints of the last of the turnips. Caught the laundry up as I shoved one load in the washer and closed the lid when the appraiser was here.
Appraiser was the age of our grandchildren, worried me a bit to say the least. I Googled him and found he does a lot of Amish to English converted home. So that helped how we felt about his age. We heard a lot of , this is cool, I really like this, I want this for myself (south and north loft, bed under the skylight). Loves the two upstairs with the point if you had younger kids and teens they wouldn't bother each other. Pointed out the house was appraised as a 2 bedroom when it is clearly a 5 bedroom with option of being 7 bedrooms. I told him I had that battle with both the appraiser and our ins guy and proved a twin bed would fit in the one room and a queen in the other and you can stand up out of the bed and NOT hit your head on the ceiling unless you were over 6 ft. I asked where the other 2 rooms that could be made into bedrooms was. Basement, my pantry that has a door and the other doorway had a door (I never noticed that since the door was already gone, I asked N and he said he took it off for E as she wanted it for laundry during the winter and the heating stove for her washer was there.) and the freezer room that has a door on it also and we have a walk out ramp so it could be bedrooms with sitting area instead of how I am using it. He noted that having the outhouse over the septic tank was a plus as if we lost power and had no fuel to run generator to run the well (he has seen that happen) we still had a working bathroom. As he wrapped everything he mentioned he doesn't usually get handed a list of what was done with what materials are on site for what projects and goals for the next 4 yrs. AND the receipts. Said it would be a good help as there is NOTHING in the area to compare the house to. The closet about 5 miles away , will less than an acre and had no working furnace ( cost of $20,000 to $30,000, Son 2 just had one done so we know that cost) and it appraised at $168K without the furnace. He was not the one to appraise it.
Our mortgage guy told me to give the appraiser that stuff... he also insisted it be reappraised as the underwriter felt it was fine with the old appraisal. Our ins guy is waiting to see what it appraises also.
IN the gardens today...
I still have strawberries to harvest and the blackberries are coming on and starting to turn. I need to finish planting the fall crop, check the garlic as it's already turning brown. I need to refill dehydrators as the herbs are going nuts.
We have been conditional approved for the refinance loan. They are waiting on the appraisal and then probably have to have this past month's bank statements since closing in mid July instead of late June like our mortgage guy wanted. I won't be doing a lot of shopping on Amazon prime day nor will I buy a new mattress for my bed until that point. BUT we did try a restuarant here in town and found the food comparable to two of our old favorite places so that is a good thing. There is another place the people down the road suggested we try and when Hubby worked plowing for the state several of his coworkers mentioned they ate there.
Have a great weekend.
Sunday, June 13, 2021
Friday, June 11, 2021
we are now in what they call the processing stage of the loan. For those that don't know what that means... they are verifying that the information we provided is correct and that there is nothing showing that we didn't provide (aka bad credit on your credit score and I have our credit reports so that's not an issue).
Closing is suppose to be mid July. Our mortgage guy is trying to get it wrapped up by end of June as we are in a "don't spend" much part of the loan. I asked what they would consider much due to having cement delivered and Amish needing paid when they do the basement ramp at the end of the month... that is okay I guess since it is maintenance for the house.
The appraiser is coming Tuesday at 3. It was decided it was a good choice to have one. There was a possibility of not since we are refinancing through the same mortgage company and it was appraised less than 3 yrs ago. Our mortgage guy pushed for it to be reappraised. One we have done tons of work and two house values have went up. I have to write up everything we have done and give copy of the receipts to the appraiser. Making second copy for tax file at request of our tax preparer so when (if we sell or the kids do) there is proof to lower capital gains or something along that line. Brother had fits when he couldn't prove Daddy installed STEEL siding when he was filing taxes on Daddy's estate.
Daughter 4 came up and boxed non food stuff I had in the one bedroom. I moved it to the barn. She was in a good mood... was worried about trying to find work after she recovered and the company she worked at before Amazon (like 2-3 times) called and asked if she would like to have a job. They told her to apply in August (with her doctor's release and any restrictions). She can go back on 3rd at starting rate of $20 +/hr. Which is $5/hr. more than what she was earning when she left to go to a better paying job. There is 401K, health benefits etc. She has a good chance of getting back in. That's helping her mentally. She is now focused on getting her divorce (they have been separated 10 yrs but he keeps disappearing when she gets his address). Hubby told her to get it done and move on with her life. She just got stuck with a bill of his and his girlfriend for their rent and ended up in court over it. YES LEGALLY she is responsible for his unpaid bills BUT the judge said since she did NOT sign the lease nor live there at any time, he dismissed the case. Which triggered Hubby to tell her to get the divorce. He is paying for it and putting it on her loan.
Her cancer surgery is June 24th. They are removing ovary and now a tumor that was found on the bottom of her stomach in the lining. She thought she was having a gallbladder attack so they scanned her. Cancer doctor has agreed to take tumor out at the same time but instead of just radiation 5 days a week for 4 weeks she will also take a chemo pill at bed time (she does better with it at night) every night for 4 weeks. THEN she has to do 4 weeks physical therapy to rebuild her strength which I can tell you isn't up as much as she thought it was. She was informing PT today she couldn't keep up with her OLD mom who just had hip replaced. I told her to quit sitting zoning out on the tv and get out playing with the dogs in the mornings and late evenings.
Blessed be... back to work for me
Wednesday, June 9, 2021
We have debated until we were blue about refinancing KNOWING our goal is to have the house paid off in 3 yrs (no more than 8).
We talked to both our finance guys and two bankers and our mortgage guy. All felt with the interest rate at half our currant rate, that we should for the following reasons.... FHA keeps the PMI (mortgage ins.) on until the loan is paid off instead of the 22 % like other loans. That is $2000 plus a year. IF something were to happen and we couldn't pay off the loan... we would be better off with a lower rate and lower payment. Since it is a home loan topped with a construction loan changing it to a home loan only will help if we ever had to borrow against it. We have equity but not 20% unless the appraisal comes in higher than what it was 2 yrs and 9 months ago.
Which means the appraisal would have to come in at no lower than $325,000. I don't think it's raised that much but we will see.
We refinanced through the same company that is holding the mortgage now. Closing costs were cut in half, interest was the best also and the escrow acct is transferred to the new loan immediately so we don't have to come up with the ins payment and taxes that are due in July when the loan will go through like we would have if we went some where else and then wait for that acct to refund to us.
The house was sold as a 2 bedroom. If I get it done this week it should list at least as a 4 bedroom if not 5.
The mortgage will drop $500/ month. I already know the ins will raise $50/ month and the takes will $100/month. So that "extra" $350 can go on the principal each month.
Back to work.
What we have been doing...
We met with Hubby's Finance guy. We told him what our goals are and he is making sure our finances stay focused on helping us reach them. Mortgage and truck paid off in 3 yrs,
Hubby finished filling the last of the garden beds. I started planting them. One of the sides came off on the end as the board warped with the rain and 80 plus weather we got so he fixed it with metal bracing. Said the soil never moved when he took the board off and turned the warp towards the soil.
He moved gravel to where he parks the livestock trailer and truck. He still has 1 pile to more before the cement get delivered end of this month or beginning of next. Start date for J to start on the basement ramp is the 26th or July 3rd.
He helped harvest strawberries twice.
He trimmed and mowed twice. Just loves the new mower as it definitely has cut the time of trimming down and takes less time to mow.
He worked hauling 5 days. Turned down work this week so he could go to his finance guy.
I started planting late summer/early fall crops. Made plans to cover some of garden beds if we don't get the lean to green house put up late summer.
I harvested and froze snow peas, spinach and garlic scapes
I dehydrated 3 rounds of strawberries. Freezer room smells like strawberries
I canned 7 qrts and 3 pints strawberry pie filling, 6 pints of strawberries (won't do any more of that as the berries are now pink) and 14 pints of strawberry freezer jam. I have more strawberries... definitely a couple different desserts and more dehydrated. More jam .
I need harvest lettuce, spinach, 2 kinds of turnips, garlic scapes, green onions, snow peas, braising brassicas and more strawberries. I really hope the strawberries slow up before the blackberries are ripe. Beans are up about 6 inches. We get any sunshine with this daily rain and they will be up the trellis.
I need to dehydrate strawberries. We don't care for frozen strawberries. Dried get used in cereal, oats, and snacks.
I need to can the turnips.
I need to freeze snow peas
I need to finish the refinance papers on line.
Then I need to declutter and move things around boxes of stuff got put in the rooms what were to be bedrooms. This area most houses have 3- 6 bedrooms. I have 2 bedrooms finished. To make the house appraise higher a big thank you to the realtors that is friends with Son 2 told me what to do to raise the appraisal for a refinance instead of a sale. I got a lot of "work" to do and get done in 1 week as the appraisal should be the beginning of next week. Daughter 4 is coming up and giving me some time after her PT today. Said she is practicing going back to work... get the dogs used to her not being there, her actually doing more than just sitting in a car delivering Door Dash (which is not earning much) and thinking about her surgery the 24th.
I did decide to get me the new mattress and box spring... the old one can go on the spare bed. I found 2 bed frames that we really liked (only been looking for 2 years) . They might not get here in time but at least I have the pictures of what I ordered LOL.
I found while working at decluttering the front bay of the barn, sections of the old closet we removed for the laundry room, doors that had been on the linen closet (thinking room screen?) decorative rod holders. The curtain Son2 used at basic for a door to his room, entertainment center to convert to wardrobe, and an old dresser that we can have H and M redo. I am not finish decluttering the front bay of the barn BUT I am half way. I plan to give it an hour every day at the end of the day because I definitely need to shower immediately afterwards.
I am thinking.... there is enough closet sections left to use for at least 2 of the bedrooms (no built in closets in this house ever). Plus the entertainment center can be converted to wardrobe. I will need some wheeled under bed drawers for a couple of the rooms. Might have enough scrap wood to make drawers and just buy the wheels... lots of thoughts there.
I need to move the dry goods storage as we have paneling for the unfinished walls in that area.
Thursday, June 3, 2021
I know it sounds weird but it's weirder it took me all day to get it done. Sorry, not really, more of a what the crap moment of not taking a before photo... Just think 2 feet deep across entire area. I couldn't even put my coffee cup down to the left side of coffee pot let alone prep anything. I was frustrated as it seems I am clearing this off every other week.
I still have another hanging sign to put up around coffee pot to the right but I need to buy a picture hanger for it first.
Hubby asked what was all on it...
2 dozen clean canning jars he said he would take to basement for me, mail that should have been put directly in burn trash (he acknowledged that was him also), paperwork from Daddy's insurance that needed filed, recycling that needed to be taken out to can (it was raining so he stuck it there and forgot to take it out when the rain stopped, it's 6 steps to the recycling can on the deck, I don't think the rain will hurt either of us)... dishes that I used that was stored in basement but needs to be up here for summer cooking but had no place. SIGH. I have bruised my butt from kicking it.
I told him if he agrees to take something to basement it is to be done that day. If it isn't and I take it down I don't want to hear the whine of "you never give me time to do such and such". I have started asking for a time something will be done that he agrees to do as other wise it is NOT done until I am fighting with him over it. He actually brought this up to our doctor during our appt and doc told him it sounded like HE had a problem with priorities and keeping his word. I kept my mouth SHUT. Our doctor has did a lot of volunteer work with Hubby so he knows him well.
I cleaned off the bar (still have a box of jars and some dishes to take down to basement) THEN I put what I wanted on there... food prep stuff. I moved the chargers that usually sit at the wall to the end of bar (yes I have plugs on end of my bar) and put the chargers in that drawer after moving the random recipes and instruction books for kitchen appliances to the file cabinet in the front room.
I also cleaned inside the cabinets which has the pots and pans, some of casserole dishes etc. , move dishes I have not used out to go to the basement. I shifted the cooking stuff to the kitchen side and put the serving dishes on the dining room side.
I had stopped using serving dishes at the request of Hubby a couple years ago. It bugs the crap out of me so I just told him I would rather wash extra dishes which 90% goes in dishwasher anyways. Breakfast and lunch I am okay with serving from the pans but I prefer our evening meal to come from serving dishes. I have no clue why he felt the way he does as his grandmothers and mother (even today) puts food in serving dishes. Bfast was the only meal Mother didn't put in serving dishes.
ANY WAYS I side tracked. Sorry. Since my cooking methods change with the season and I plan on using the grill more... I looked hard at what is taking up kitchen space.
I will be buying containers for the Christmas dishes ,sitting in the china hutch, and the fancy wash by hand dishes that was Mother's and Daddy's I use for Easter, Thanksgiving etc. also in the china hutch. But that is for another day.
Today though I will be going through seeds... to finish summer planting (raining) and prep for fall planting and then winter planting. Since costs for the basement was higher and we are refinancing house... we might just cover a few of the garden beds for winter plants. We did that a couple years at the old farm we rented.