Thank you! And congratulations! I'm so glad you are loving your home too!CONGRATULATIONS!!! Your new home is beautiful! We bought our first house about 2.5 years ago. We are upper 40's, so we were very late the the homeownership party, but we love it! I am sure you and M will love it as well!!!
Thank you! We reeeeeally lucked out and the timing could NOT have been better.Yay! Congrats! Glad you were able to find something before the market went crazy.
Thank you! We are so relieved that it finally worked out!
Congratulations on the new home!!! That is super exciting, and I am incredibly happy for you ladies!
I'm also excited for your WDW trip because we will be staying at the Swan in September, so any helpful hints are appreciated.
Woooooooo!
Thank you!Congratulations Bee!!!
Thank you! Yes, we can't believe our mortgage is less than our rent was! We were expecting to have a much higher monthly payment.Soo excited for you! And how crazy you get a whole house with less of a monthly payment!
Thank you!
Thank you! We are loving it!Congratulations on the new house. Sounds like it is perfect for the two of you
Thank you!Exciting all around! Glad you were able to realize the silver lining last year, and be able to make your dream come through! Looking forward to reading more!
A guest room huh?
...I call dibs!!
Yay, so excited for your Swan trip! I hope you love it there!We plan to stay at the Swan the week of Thanksgiving, before we move over to Shades of Green. I am also looking forward to lots of Swan pics and info! This will be our first stay there.
Thank you!Congratulations on the new home!
AIR TRAVEL
Newark airport has always been the closest airport to us here in North Jersey, and since we moved to a new city we are even closer than before. You may remember my various rants about Southwest ceasing their service to EWR a couple years ago, and shortly after that they ended direct flights from LGA to MCO. There were a few times we went all the way to Long Island to catch a direct flight (and had a ride from the train station to the airport thanks to @Darstarr!) because we are #overit when it comes to connecting flights. And the worst part is we had a TON of SWA points saved up that were basically useless!
But guess who DOES fly directly from EWR to MCO several times a day? JETBLUE! We have somehow never flown JetBlue but we were planning to in June 2020 for the first time. Obviously that didn't happen but they were still on our RADAR (pun...sort of intended). I got the JetBlue credit card to get free checked bags and we booked our departure flight!
However, we won't be flying right back home after WDW. We are flying to Chicago to visit some family, and after about a week there we'll fly back home. We booked our flight from Chicago to Newark next because we weren't sure exactly when we would finish Disney and fly to Chicago, but we knew when we needed to return home so M can be at work in time for the start of the new semester. After an extensive search, we realized we could fly American FIRST CLASS directly to Newark, for the same price as flying coach on another airline into LGA or JFK. HELLO, OBVIOUS CHOICE! We're lucky we booked all this when there was still a lot more COVID uncertainty, because I'm sure the prices have shot waaaaay up now that so many people are vaccinated. And who knows when we'll ever have the chance to fly First Class again?!
Now this left the middle flight from Orlando to Chicago. Remember all those Southwest points? Turns out there are plenty of direct flights from MCO to MDW and a few to ORD every day. So on 8/25 we'll fly to Chicago, pick up a rental car, drive to stay with family for the next several days, and then fly home to Jersey on 9/1.
Thank you and congrats to you too!Congrats on being new homeowners!! My fiance and I bought our first home during the pandemic too - I'd like to think it's not always that stressful to buy a home but I don't think the pandemic contributed *that* much to our stress lol
Thank you! How wonderful that you've been able to stay in the same home!Congrats on your new home!
We've been homeowners since we are 27 years old.....44 years! Our house sold for $46,000 back in '77. We never planned to stay in it forever, but after raising our kids and they all live fairly close with their families, we are staying put. Homes prices in NJ are crazy!!
Thank you! And I wish Disney would just release the dates already!Congrats on the new house! That’s so exciting!! We’re also anxiously awaiting Boo Bash dates for our October trip. Halloween is so fun and night rides with costumes sounds promising. Keep us updated!
WARNING: lots of text! Not a lot of Disney talk!
As you may have guessed, our big dream for 2020 was to buy a house. With the uncertainty of EVERYTHING going on, I was afraid our plans would have to change and we'd be stuck renting another year or two. M, however, never lost faith. We did a ton of Zillow-stalking in March, April, May, and June. By this time I had a pretty stable income despite all the changes to our lives, so in July we started applying for mortgage preapprovals.
We were preapproved by three different banks but some of the amounts were low for our area. If you're self-employed you will understand what a GIANT HEADACHE it can be to prove your income. I also have steadily made more each year since I started filing taxes as self-employed (2013 ish) which is actually great but which on paper means I have a lower average annual income. I have student loans from my Master's degree but M doesn't have any from her Master's, and neither of us have debt from undergrad. We don't have a car (and therefore don't have a car loan), and we pay off our credit cards in full every month and don't carry a balance. We have pretty darn good credit, which took a long time to achieve because we racked up a lot of credit card debt during grad school and had to work very hard to pay it all off. We finally found a mortgage broker that would approve us for a reasonable amount for the areas we were considering, and in mid-July we started seeing houses.
We originally wanted to buy a condo, but because of high HOAs in most buildings around here, we were approved for a very low purchase price for condos compared to the approval for single family homes. We ended up focusing our search on a neighborhood we hadn't even considered before because it's mostly single family homes and that wasn't what we were looking for. We saw maybe ten houses before making an offer. Long story short, the first house didn't work out because of several issues found during the inspection. BUT we ended up finding another that we like even better, and after some bumps in the road, WE ARE FINALLY HOMEOWNERS!!!
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I know we got EXTREMELY lucky with the timing of our home search. Most of the country is experiencing a CRAZY seller's market and homes are going for waaaaaaay over asking while the buyers waive inspection contingencies. However, NYC and some of the surrounding areas (not the super suburban areas) were actually the opposite last summer, though I think it's picked up a bit since then. We managed to pay under asking and get some seller credits for repairs. Our city is still very urban and densely populated, as you can probably tell by the two houses attached to either side and tiny yard. But we don't have kids or dogs so we don't need that much space. And honestly we have more space than we ever imagined we would. We have three (!!!) whole bedrooms after living in one bedroom OR LESS apartments our whole adult lives. One is my studio where I can practice and teach and then CLOSE THE DOOR at the end of the evening, AND we have a dedicated guest room, which we never thought we would have.
Obviously our priorities have shifted since becoming homeowners. We got an amazing rate and our monthly payments are actually less than our rent was in our last apartment. But we did have to replace the furnace, replace the water heater, add central AC, have some asbestos tile removed in the basement, and have some outlets added. Our house was built in the 1890s so obviously it needed a little love! So we are still saving as much as possible so we're ready for inevitable repairs and maintenance.
That meant that when we had to choose to either keep our WDW Annual Passes or cancel them and get a refund for the remaining time, we chose...to cancel them and take the money. And that is the main reason we only have 5 day tickets. More on that later, though...
Not if I get there firstA guest room huh?
...I call dibs!!
Thank you!Super cute!
Thank you, and thank you!Congratulations on becoming homeowners! Love your costume!
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