The big day has finally come!  Today I closed on the house.  Halleluiah! I met the builder and my realtor who I have both come to know quite well over these last 6 months at the title company and was presented with a myriad of documents to sign and initial (all with my full name including initial which I kept forgetting)

I was very grateful to my mortgage brokers who couldn’t make it to the signing but they did a great job at preparing me for the process.  It was through Marc and Christopher at City Wide Home Loans.  They were wonderful.  Marc actually explained every fee and the entire closing process to me twice so that I understood what was happening (I had gone over it once and then I called my Uncle Tom and he had all these questions so I called Marc back and he went through it all over again. So nice).  I highly recommend them if you live in Utah and are purchasing a home.

http://www.chl.cc/

They also got me a great rate of 3.25 with an FHA loan.  I have to pay the mortgage insurance but we decided as a long term investment getting the lower rate was a better plan as the insurance is just for the first 5 years.  (that was a drama-filled process!).  I’m not going to tell you I understood everything that I signed but pretty close.  Integrated Title Services was also good about explaining each document and keeping the process from feeling any more overwhelming than it already did.

So after signing my name about 30 times I was finished.  It is done!  I’m a homeowner!  Finally.  Halleluiah.  Hurray.  Whatever positive exclamation you can come up with!  Yes! I am SO relieved and So excited.  Mainly I just feel exhausted. A little like I did at the end of my mission, just spent but so thrilled to be spent.  I did it!

My realtor said I was one of his most excited clients.  This amazed me because I thought I was pretty subdued for me.  What amazes me is how someone could not be excited? You are buying a house for goodness sakes.  If you can’t be excited for that what can you be excited for?

Not to be a downer but after my signing I went and visited my Grandma R in a care center.  She looked pretty good and is recovering from her surgery and pneumonia.  My Grandma W is also in the hospital with heart failure and I’m very concerned about her.  She is super special to me. I wish I could be there to help her through this and will get out there as soon as I can.   Please send out a prayer for both my Grandma’s that they will be strengthened if it is God’s will to do so.

https://smilingldsgirl.wordpress.com/2011/05/08/are-we-not-all-mothers/