Sunday, September 9, 2012

I promise I will be back! I have a loan question to!

So, I finally figured out why people disappear after their closing.  BUSY! BUSY! BUSY!  If I could pay Ryan Homes to add more time to the day when I purchased the house....I would have done it without a second thought.  We have our garage cleared out (read...basement stuffed) and our lawn looks AWESOME (thanks to husband).  Our neighbors are jealous....but we water it like we're suppose to.  My flowerbox kicks some major butt and some of my decorations are rockin' out the house.  I've found some great decorative steals at Ross Discount store and Marshall's.  Just wait till you see the photos!  I will be back soon....I promise.   OH...and on a "What the crap!" note.  NVR sold the loan to PennyMac and my first payment is still due at the same time BUT the 30 years begins in October NOT in August when we signed.  I could have sworn I paid the first two months mortgage payments so I was not expecting this.  I also paid interest for at least the month of August to why was I paying interest?  And what was I paying it on?  If my loan doesn't start until October......what's the deal?  Any thoughts?  Ideas?  Please share!


  1. Enjoyed finding your blog. I also find greats deals at a Home Goods Store, Pier One and Kirklands. I am curious about the loan question too!
    Can't wait to see decor pictures!

  2. 30 years from October is correct...What you paid at closing for the first two months was the interest only

    1. I figured that was it after going over everything. Someone in the process told me that I paid for those two months (as in mortgage) so I should have paid closer attention. Not a huge deal but oh well. It got me on a crazy calculation question with the amortization schedule and all my bills to figure out a plan to pay it off in 15 years or less last I'm now on a mission.

  3. This is wonderful! I can't wait to see what you have done to your home! I know its lovely!