Yet another bank has declined

I found out yesterday that yet another bank has declined. They say they will only give a bond for the value of the land. They too have given the house a nil value. I advised the estate agent of this and she says she will speak to the seller about dropping the price to the value of the land.

I've also now got options of 2 rentals. One in the direct area and the other in Uniondale. Yesterday, I realised that this whole situation is not worth stressing over. So I guess I will find out in a few days if the other bank will give me a bond or if I am renting for the moment.

And honestly, I'm looking forward to whatever happens since I believe that everything will work out for the best (even if it doesn't always seem that way). Yesterday I had such a "zen" type moment when I realised this. It was just amazing to feel so good knowing that I'm not sure exactly when I'm moving or where I am moving to. To know that it will work out and I don't need to worry my pretty little head about the details.

Still waiting on other banks

I've now applied through an agency to all the banks in the country. I'm hoping that someone can see the potential in a house that is a fixer upper. This house is a heritage house that will be stunning with some work put into it.

My shock and horror that an assessor can refuse to value a house because of it's condition is still with me. Surely the man must be blind. It has a roof and walls. Is standing. Got all it's windows. And 5 bedrooms to boot. How on earth can he assign it a value of nothing.

I've now been in contact with a wonderful gentleman who's involved with the Heritage Society. He said he is contacting the Simon Van Der Stel Foundation on my behalf to see if there is any help they can give me. Possibly a letter to assist the valuator to see that this is not just some old house that should be demolished.

I'm now holding thumbs and really hoping that I can get a bond through some bank who has an assessor with some vision.

But I also have a rental house arranged in the event I don't get a bond. It's an area that I've fallen in love with and I really have no desire to give up my dream of living there. Somehow, some way, I will get a house in the Langkloof. If not now, then later.

Bond declined

My bond was declined this morning due to the house apparently being graded as derelict by the valuer. So now it's back to the drawing board.

I've asked to find out how much they valued it at in the hopes that I can come up with enough cash to pay in the balance. I've also asked my estate agent to apply to other banks in the hopes that I can get this house.

Worst case scenario is that I rent in the area and save like mad until I can afford to buy a house cash. Then I won't need to worry about banks & their silly rules.

But to be honest, I really feel like crying this morning. It's such a big setback.

Panic over although still waiting on bond approval

I got hold of my estate agent. Since the delay that is holding up my bond approval is not mine but an issue with documents from the transferring attorney (who's sorting out things with the seller), I'm relieved to hear that they won't hold me to that date for bond approval.

They'll give me 30 days after they have given me everything I need. This is a relief to hear. While still really keen to hurry up and move, at least I'm not panicking about losing my dream home. So tonight I can go home & start packing boxes (since my internet is down and so my gaming is not going to happen tonight).

I do think it will be really exciting to start packing well in advance. I can really sort through everything in the house & decide what goes in which room & mark the boxes appropriately. This will be the first time I've ever managed this as most of my moves have been rush rush moves with me packing and moving in under a month. Sometimes in under a week.

Still anxiously trying to get bond approval

I guess I should learn patience. And have faith. But I'm still chewing nails over the angst of trying to get my bond approval.

The lady selling to me was given the house by someone else. But they never did the legal paperwork. So it will be a simultaneous transfer from him to her to me. But of course the bank's assessor wants proof of all this and the transferring attorney is really really taking his time. He was asked for these documents last Friday. It's now Thursday and I am still nagging daily.

I have until 20th March to get my home loan approved but at this rate I'm worried it will never happen in time. These small town attorneys don't seem to be in a rush. My loan application has already been cancelled due to it taking so long to get these documents.

Now I have to reapply completely. Grrrr - this makes me spitting mad. If I lose this house because of the seller's attorney, I swear I will scream.

My dream home

I guess that I should give you a little view of what this dream home looks like.

The picture that had me falling in love with this house was this one:

Once I arrive in the area, I will take some more. So far I mainly took pictures of all the damp, cracks & faults. Nothing that actually gives a good view of the house inside.  But I thought since here I am, drooling about my move to my dream house, best I at least give you a peek of what has got me so excited.

My house is sold

Well, it's been a few days since I've posted. I've been chewing nails hoping that the purchasers buying my house would get their bond. Otherwise I would still have to get my house sold in a hurry.

But I got an e-mail saying that the purchasers have had their bond approved. What a relief. One more worry off my plate.

I'm still waiting on my bond approval which is taking long since my bank once a letter from the transferring attorney giving the details of the farmer and his sale to his ex-employee who is now selling to me. Eish - it's taking simply forever to get this all to a point where everything is approved and I can finalise the date for my move.

And then my DIY Diva's "beginner power tool" course has been moved to 17 April. And who knows which province I'll be living in by then (I certainly don't).

I guess this whole thing is an exercise in patience for me. But all my visualisations should help with getting everything going smoothly (if not speedily).

But since my house is sold, I can therefore begin my packing. And best I think carefully about what I will actually manage to fit into my 3 door car. Not a lot of space. And I have to fit the 3 cats in there + my pc and my laptop. I just hope there will be space for a case of clothes and all my cleaning equipment. Since I know that my new house is filthy & needs a good clean.

This afternoon should be fun. I need to phone and nag that transferring attorney to hurry up and send me the documents. I really really want everything finalised to the point where estimations of date for transfer can be given.