Monday, February 26, 2018

We Can Officially Drive to Our House!

All kinds of exciting things happening at the lot today!  They started the construction driveway and did the framing for the foundation.  They should be pouring the foundation pretty soon!

The foreground is the common driveway, the curve you see is where it turns into our driveway. 
Our driveway


Our driveway from the house looking towards the common driveway

Getting the house ready for foundation


Thursday, February 22, 2018

"Alexa, drumroll." Seriously, do it.

Yesterday and the day before were sunny and in the upper 70's so we thought there would be some progress on the house.  We stopped by yesterday after work and we were a little disappointed that nothing had happened since the silt fence was installed last week.  Today was cooler, overcast, and drizzly all day.  It's sort of on my way home to drive by the house, so I did it today but didn't think I'd see anything different since yesterday.  I've never been more excited to be wrong - they broke ground today!!!  :-)

Next step is probably laying down the construction driveway (which will eventually become our permanent driveway).  We're supposed to have nicer weather next week, so we're hoping that they pour the foundation on Monday.

Don't forget you can click on the pictures to make them bigger...

I was so excited to see the bulldozer and even more so to see the mounds of dirt!!

Looking down on our property - remember yellow stakes are driveway.  :-)

The hole for the house!!  We are going to have a walkout on the right side of the house which is why it's level on that side.

Left side is going to be the part of the driveway; right side is the house

Looking from where our garden will be.

Thursday, February 15, 2018

Let's Get Ready to Rubblllllllle!!!

It's finally starting!!!

It took us about two and a half weeks to get the building permit and then Bob Ward needed to schedule the surveyors to come out again to officially stake out the house.  That finally happened yesterday!  We stopped by the lot today (better weather today) and saw that the silt fence is up and everything is staked.  With all the different colors it looks like Easter eggs placed all around our property.  :-)

Next step is to get the silt fence inspected and then it is time to dig!  My best guess is that we'll be breaking ground late next week.

Looking at our house from the common driveway.  They are hard to see, but yellow stakes are the center of our driveway.

Blue stakes are the house!!  This is looking at our front porch.

Yellow stakes are the driveway leading back to the common driveway (where our cars are).

So you can get an idea of the lay of the land.  Yellow is driveway, blue is the house.

Sunday, January 28, 2018

Hurry Up and Wait

We're back to waiting.

Our title company sent our paperwork to Bob Ward late afternoon on Friday, January 19, which means Bob Ward wasn't able to apply for the building permit with the county until Monday the 22nd.  So that's where we are - waiting for the county to approve the paperwork.  We have no idea how long the permit process takes, but my guess is we probably aren't going to be breaking ground until sometime in February.

But, we own the land and we don't need a house there in order to shoot archery!  We had a mini archery party yesterday afternoon with our friends Matt, Craig, and Jamie.  Steve's parents were out and about yesterday afternoon, close to where our property is, so they stopped by to say hi too.  After shooting and searching for a few arrows, we checked out our future local bar - Black Forest Tap House.

They're aiming at what will be our garage.  ;-)

Shooting line selfie!

Black Forest Tap House - Beer in big glasses

Tuesday, January 16, 2018

Home Base

I promised you a blog about our land, well, here it is.  Sorry it is long, but it was quite an ordeal with lots of ups and downs.

Once we decided on the Somerset from Bob Ward, it was time to find land on which to build the house!  We let Beth know to stop emailing house listings, but instead to start emailing land listings in the same areas.  The same night we asked her to do that, I started searching on my own on all different real estate sites to find exactly two lots that met our criteria in our price range.  I was devastated - only two options and they weren't even that great.  Steve and I had a big talk that resulted in us expanding our search into more of a country-setting than what I'm used to.  Additionally, we were still building our house on paper, so we didn't quite know what our max budget for land was going to be yet, so we were sort of operating on unknowns at this point.  With our expanded search, we probably had about 15 different lots to see and we looked at them all.  We had some front runners, but none of them felt like "home."

After building our house on paper some more and knowing we were close to being done adding to it, we bumped up our budget on land a bit to see what that would get us.  There were two lots right next door to each other in an area that was our first choice to live that were at the very top of our budget.  When I say very top, I mean absolutely no wiggle room - we would have to stop adding to the house and choose only Level 1 options for the finishes in the house.  Still, we decided to drive out there to see if either lot would be worth sacrificing some of the finishing touches of the house...and they were.

We initially fell in love with the lot we didn't buy.  It was going to be called the "House on the Hill."  This lot was a cornfield throughout the summer and some of the fall, so we could never walk the property to get the lay of the land.  But from the road, it looked like a beautiful setting with the house sitting perfectly on top of a great sledding hill.  The lot to its left was always our "backup" if someone bought the "House on the Hill" lot before us.  Nothing was wrong with the backup lot, but we just liked the look of the hill better.  We were also not very bright, and never walked the backup lot to get a feel for what it was really like.  We were only going off what we could see which was a bunch of grass.

After looking at the lots, we asked Beth to send us the plats so we could see if we like where the house would go in relation to the septic field and what that would mean for our yard.  Based on the plat, we were okay with how everything would look with "House on the Hill."  With the backup lot, it appeared that there would be no backyard, which meant a garden in an odd place and no party barn.  :-(  But, both lots are in an ideal location and what's the first rule of real estate?  Location, location, location!

We asked Clark and JoAnna to go out to the lots and give us an estimate of what the site costs would be.  Site costs include things like laying a driveway, drilling a well, installing septic, and anything pre-construction.  The base price of the house includes a certain amount towards this site work.  We thought we were golden since the lot was only a cornfield.  We were so wrong and felt like we were kicked in the gut when they told us it would be about $38,000 over the built-in cost for the site work.  I was heartbroken.  There were tears.  This meant $38,000 had to come out of the house or we had to bring that much extra to settlement, or some combination of those two options and none of those sounded appealing.  It felt like the dream was gone and we were back to square one of finding another lot or even going back to buying a house already built.

We took a break from house stuff for a few days to get over the shock of the site costs and regroup on our lot search.  One day, Steve and I were talking about what our next steps would be.  Knowing that we looked at every available lot out there in our price range, I really didn't know what next steps would be.  I told Steve that if he could make "House on the Hill" work, I'd let him buy a pickup truck (for some reason he's always wanted one and I'm vehemently opposed to owning one).  Steve crunched some numbers that night and found that if we took a few things out of the house, brought a few thousand extra dollars to settlement and financed a little more (we were approved for more financing than we are intending to use), we could almost get to where we need to be.  The kicker was we also needed to ask Clark & JoAnna to come down on the house cost a few thousand.

We hadn't negotiated anything with Bob Ward until this point, so we figured we had a good shot of them helping us out a bit.  A total of two weeks went by where we didn't have an answer yet.  I don't mean to make it sound like they ignored us for two weeks; they were still in contact with us and responding to our follow ups, but they were "working on something that would work for us."  One day we get an email - the email that really set everything in motion.  They agreed to significantly reduce the site costs for us AND Clark negotiated with the selling agent of the lot to accept $20,000 less than asking on (drumroll please)...the backup lot.  They would only accept full price on the lot we were in love with.  We could still make a full price offer work, but we'd still have to sacrifice some things we really wanted to keep in the house.  But, we aren't stupid - we'll take a look at the lot that is now $20,000 cheaper!

On a beautiful early October day, we met Beth, JoAnna, and Clark at the backup lot.  They walked us out to the lot and staked out where the house would go.  As soon as they did that it hit me that this was where we were meant to be.  The house sits far enough back on the lot to make it feel really private and it still has enough of a backyard to fit our huge garden.  The downside is that there likely isn't enough room for a party barn, but there's probably room for a party pavilion in the future!  Compromises people...it's all about compromises!  :-)

On October 6, Steve and I were driving up to New York for one of our parks and beer in small glasses trips when the offer was officially extended to the sellers.  We knew they were going to meet with their agent about the offer on Monday.  Perfect, that gave us the weekend to enjoy ourselves at parks!  We thought wrong - we stressed the entire time on our long-weekend trip.  We had a great trip, but we wish we could do it over again without that stress hanging over us.

Monday came and went with no answer.  Tuesday came and went with no answer.  Wednesday came and went with no answer.  Thursday we asked Beth what the hold-up was.  We thought this deal was already agreed to between Clark and the selling agent (and sellers), so we had no idea why it wasn't a done deal yet.  To make a long story short, we had added something to the offer that wasn't pre-negotiated, but should have been assumed by the sellers.  They were going to agree to put in the 486-foot common driveway (that we will share with two other lots); we added that they need to do the BGE run (electric) from the road through the length of the common drive.  This caught them off guard so they were trying to determine the price for that.

A total of two weeks goes by before Beth calls us to let us know the sellers were okay with the BGE run and were going to be sending over a counter-offer the next day that primarily included changes to dates of our feasibility study, when the well will be drilled, etc.  It was all minor stuff that we were 100% okay with.  The next day, Steve calls me on my way home from work and tells me the sellers still hadn't signed the offer and they added an addendum to it that stated they were to obtain quotes for the common driveway, but if they couldn't find any less than $25k, they could walk away from the contract.  To say I was blinded by rage is a bit of an understatement.  The addendum was written exactly in that way.  This is a legally binding contract and it was written in a way that gave us no protection whatsoever.  They didn't have to prove to us that they even obtained a quote - instead they could just walk away.  Whether that was their intention or not, I may never know.  But it gave us the impression they didn't want to sell this land.  We were already prepared to walk away in that initial 2 week time frame of not hearing anything and this just made us more willing to do so.

Everyone who knows me knows that I work for the best place ever and we get our birthday off every year as a gift from the company.  My birthday day off is usually spent buying Christmas presents, wrapping Christmas presents, begging Steve to let me decorate the house for Christmas, starting Christmas cards, watching Christmas movies, preparing the menu and ideas for Christmas Eve, and anything and everything to do with Christmas.  I love that day.  This year, my birthday day off had nothing to do with Christmas.  Instead I called every paving company in the area and had them provide quotes for the common driveway.  Every single one of them came back under $25,000 which calmed me down significantly - the dream was still alive!  We turned the offer back around to them the next day with the addendum redacted and all the quotes attached and we also gave them 48 hours to respond or we were walking away.  This gave the sellers until close of business on Friday, October 27.

I leave work at 4:00 each day and that Friday at 4:00 was heartbreaking.  I knew technically the sellers still had an hour to go, but if they hadn't signed or counter-offered sooner, what difference was an hour going to make?  While I was driving home, Beth called Steve to let him know that the sellers were not feeling well, so they were going to meet the next morning.  We extended our deadline to Monday then (thinking we wouldn't hear anything over the weekend).  We even went out looking at different lots that Saturday to get some backup lots ready.  Later that Saturday evening, Steve went out to the grocery store and I was lot shopping on the internet when an email from Beth popped up saying the SIGNED contract was attached!  I immediately burst into happy tears and called Steve to drop everything in the store and to come home to review the contract!

So after all that, we come to the title of the blog post.  Every homestead needs a name, right?  Steve always refers to our house and our future house as the "base of operations for our trips."  And let me show you a picture of the boundary lines of our land - looks kind of familiar right?  Like a home plate on a baseball field.  So that is how our house has officially become "Home Base."  I guess I owe Steve a pickup truck now, although I'm hoping our blog readers convince Steve to let me off on a technicality - we didn't buy "House on the Hill!"

Home Base!

Click on the picture to make it bigger.
Perspective on our land - this is looking towards the house from the common driveway.  The green lines mark our property.  The black part is our driveway.  Obviously none of this is to scale.  ;-)
Today we officially made Home Base ours.  It came down to the wire with the well test results - we had a verbal "everything is okay" around 1:00 and then we had the official results report while we were at settlement!  As soon as settlement was over, we met my parents out at the lot where we "broke ground" and enjoyed some bubbly!  Now the fun begins!

Ready to break ground!

Bubbly with my parents

We maybe gave our builder about a quarter-inch head start.  I'd say that's about $5.00 off the price of the house, right?  ;-)

Pouring bubbly!

That's about as far as we got - the ground is pretty hard right now!

Beautiful flowers from Beth  :-)  Seriously - she's the best!

Sophie checking out the balloons from mom and dad.

Wednesday, January 10, 2018

Things Are Going Well...

...but we're not out of the woods yet.

Oh where do I begin?  The last post I wrote mentioned the cold snap we got in Maryland where we had below freezing temperatures for 8 days straight.  This actually set a record for the longest streak below freezing in Maryland in over two decades!  Barlow had told us when the super freezing weather started that they were not able to work on the well until it warmed up.

In the middle of the sub-freezing weather was New Year's Eve where we heard late that afternoon from the selling agent that Barlow had hit water in the well, but they had broken the drill bit and needed to wait for a replacement which would show up in a few days.  Steve was jumping for joy at the news of hitting water!  I wasn't because we knew Barlow wasn't planning to work on the well in the weather we were having.  I wasn't excited to hear the news; I was puzzled.

After talking to Barlow after the holidays, they suggested that we really should move settlement.  They explained that they hadn't hit water yet (I was right to be puzzled...) and the weather was really keeping them from making progress.  We put in on Tuesday evening an extension until the 16th.  We picked that day mainly because of the weather and also because that is the last day our loan is able to be disbursed before needing to do a whole additional round of submitting paperwork to the bank.  The sellers didn't sign the extension until Friday night.  For some reason, they were still holding out hope that we'd be able to settle on our original settlement date, which was supposed to be today.  Barlow had not been able to work on the well at all last week, so we were very confused why they waited that long.

We finally got the heat wave we needed (45 degrees) on Monday and they were able to start working again, but not for long since we ended up getting freezing rain all afternoon/evening.  On Tuesday, we still hadn't received an update from Barlow since they suggested to move settlement.  So we decided to stop at the lot and we were both shocked to see that they had started to drill in a second spot.  This means that they didn't hit water in the first spot.  Below are some pictures of that visit.

See the tire tracks?  Pretend they are on the other side of the stake to the right - that will be our driveway.  Oh also, the new drill rig is there.

Drilling a new well.

The 600-foot dry well.
That brings us to today.  Steve emailed Barlow to let them know if we don't hit water today that we likely need to move settlement again.  We explained that we really didn't want to do that since that means more work for us.  Lucky for us, they did hit water and we do officially have a well!!  We found out that the first well they tried is dry even though they went 600 feet deep!  The well that actually has water is 500 feet deep!

Who's got two thumbs and a well and a giant mess?!
Now onto the test that takes 3 - 5 days to get results....  Barlow said they'd let the lab know to rush the test, but they can't guarantee the test results will be back before the 16th, and that more than likely, they'd be back the morning of the 16th.  This is cutting it very close with settlement!  Settlement was scheduled for 11:00 am, but we have already pushed it to 2:30 that day so we can hopefully get the results back in the morning.  We are feeling optimistic that we'll have the test results back by then and that they'll be the results that we want, but just in case, please keep your fingers crossed for us!  I know I ask that a lot.  :-)

Saturday, December 30, 2017

Well, Well, Well...

I know I said the next blog was going to be about how we chose the land and that whole process, but I thought I'd throw in a blog about a pretty big milestone first - our well.  It's bittersweet to be writing this because, while the well is in process, it isn't finished yet.  Let's start at the beginning though...

The sellers played a little bit of hardball towards the end of our negotiations with them on the contract for the land and before they drilled the well on the property, they wanted to make sure we secured financing first.  They also changed our requested two-week time frame to drill the well to 35 days.  We knew that would be putting the well drilling around the holidays, but we didn't think much of it when we agreed to give them extra time.  Hindsight tells me now we should have stuck to our guns about the two-week time frame.

As soon as we had a contract on the land with the sellers, Steve and I immediately got to work on getting the multitude of tasks done that we had to do.  This included lining up a surveyor, finishing all the final touches and making rushed decisions on the house so we could sign the builders contract, and securing financing.  There were so many moving parts to all of that and it felt like a full-time job for about two weeks so we could get everything done in the time frames we agreed to.  The longest time frame that was agreed to in the contract was drilling the well which is the only thing the sellers need to do before settlement.  Once we secured financing, we did the math and that meant the sellers had until December 29 to get the well done.

There was serious lack of communication from the sellers' agent for a few days and after finally hearing from him, he claimed he could not open the PDF document we sent over, which was the loan commitment letter from our bank proving we had financing.  I don't know many places of business that cannot open PDFs, so I don't believe him at all, if I'm being honest.  To speed things up, Steve hand delivered a copy of the loan commitment letter to the agent and, while there, the agent said the sellers already had the drilling company lined up to drill the well any day now.  This was before Thanksgiving.

Fast forward to December 22nd, after an entire month of us and our agent nagging the sellers' agent.  That's when we finally heard the rig to drill the well was actually on the property and they did work on it that day, however, they hit rock.  In Harford County, this is not shocking news at all.  They weren't able to finish that day, but they were going to go back on the 26th to finish.  We aren't sure why exactly, but they didn't finish on the 26th despite working on it all day.  Steve dropped by at the end of the day and he did see that they made progress, and he thinks they are close to finishing.  But, they haven't made any progress since then.  We had a very cold snap in Maryland with several days in a row below freezing and the weather messes with the drill.  So they've had to put the whole thing on a break until we get a few warmer days.

Sadly, the weather doesn't look like it's warming up before next weekend.  This is very bad news for settlement.  In order to settle, the well needs to be drilled and pass some tests, and those tests take 3 - 5 days.  The company that is doing the well, Barlow, has been wonderful to work with and has been staying in contact with Steve with updates and they know we are scheduled to settle on the 10th.   We really appreciate Barlow keeping us in the loop, because technically the sellers are their customer.  Fingers crossed Barlow can make miracles happen.  We know it's not Barlow's fault at all for us to be running into this issue, but I could just scream at the sellers for waiting until the last minute.  Not only did they wait until the last minute, but they also lied to us before Thanksgiving saying they were ready to go.

It will all be worth it in the end.  In the meantime, here are some pictures of the well progress.

Progress as of 12/25/17 - this was when they hit rock

Truck on property on 12/25

Me surveying our land.  The pink flag to the right designates the back left corner of the house.  I'm in the backyard looking toward the other lot we were deciding between.

The rig

Christmas morning with the rig

Progress on 12/26 - lots more of the "mess" on this day

The rig

More mess

Again, the pink flag is the back left corner of the house  Steve's car is parked at the top of the hill in the distance; that's about where the common driveway will end and turn into ours coming towards us in the picture.  This view is of our front yard.