Owning My Own Home: The First 6 Months

Six months ago today, I woke up with a great amount of excitement and just a bit of panic. If everything went well at the final walk-through and barring any last minute surprises, I'd be a first-time homeowner before I went the day was over.

I won't tell you it all went smoothly because that would be a lie. But looking back at it all through the lens of owning my own home for 6 months, all the stress was worth it.

Within about 6 weeks of moving in, I was completely unpacked. I forced myself to live with bare walls for 2 1/2 months so I could be completely certain about the furniture placement and acquire a few important family heirlooms from my dad.

Possibly the smartest thing I did was to have my real estate agent measure each of the rooms and window and door locations and sizes during my inspection. I used her measurements to create a to-scale floor plan of each room and then drew all of my furniture to scale on separate paper and moved it all around on the floor plan until I got it right. When I moved in, I had the floor plans taped up in each room and it made placing the furniture easy peasy. I also had my entire kitchen set up before the movers arrived with my furniture. This meant I could immediately start cooking and knew where cleaning supplies, garbage bags, and toilet paper were located. All of my boxes were labeled with specific rooms with general content lists on the outside, so I could quickly unpack and not have to move boxes from room to room because they were placed correctly in the first place.

Six months later, my walls are decorated, I've got curtains in the living room and dining room (I am still curtain-less in my bedroom and office), wine has been spilled on the carpet (white, not red), I've thrown my first parties and feel settled in my home. Betsey and Ross officially have a Cat Cave under my bed, have picked their favorite pieces of furniture, and know where the warmest spots are based on the location of the sun throughout the day. They, too, have stained the carpet, but we're dealing with that. I've met a number of my neighbors and know which restaurants have the best delivery.

I've gotten into a routine in my home and I love that on the first of each month, rather than paying rent, I pay a mortgage, my condo is mine, and if I want to change the paint or the carpet or an appliance or anything else, I can do that.

Frankly, there were no fewer than a gazillion people involved in the purchase of my first home and I'm incredibly grateful for all the help and wise counsel I received. Purchasing my own home is the best decision I've made in a very long time and I couldn't be happier.

Random Things I Love About My Condo

1. It's mine. All mine. I can (and did) paint it the way I want it. I don't have to worry about nail holes because I own it and there's no landlord to get irritated about paint or nails.

2. It's super sunny! I've got a corner condo and face both directly east and south. In the morning, I walk into my dining room, look out towards Lake Michigan (I can't see the water exactly, but I'm only 2.5 miles from the water) and watch the sunrise. All day long, I get lots of sun through my three huge south-facing windows.

This is the view from my bedroom. Not too shabby.


This was my morning greeting from Mother Nature today. No wonder Betsey and Ross were so eager for me to crawl out of bed. Isn't it gorgeous? (Ignore the bright lights on the right. Those are reflections from the glass.)


3. My 5-mile, 10-minute tollway-free commute to work. Seriously. This morning, as I was pulling into work, the traffic report came on the radio. there were 2 accidents between my old house in Arlington Heights and my job in Lake Forest. Instead of sitting in that traffic and arriving agitated, I arrived quickly and in a lovely mood. Plus, I'm saving a ton of money in gas and tolls and wear and tear on my car.

4. My bedroom. My entire life I've had this image of exactly how I wanted my bedroom. Granted, it's changed over time and I no longer want the Strawberry Shortcake bedroom collection. My tastes have become more sophisticated and refined and I'm creating the bedroom I want. Sure, it still includes some hand-me-downs, but I'm re-purposing and re-painting them to fit my tastes.

5. Going home for lunch. I went home for lunch the other day. Going home is so radically different from going out for lunch. I went home, made lunch, sat down, and put my feet up for a few minutes. I got to breath deeply as I was surrounded by total silence. Seriously, it was the best part of my week. Of course, Betsey and Ross thought that my lunch was their lunch, but that's another blog post.

6. My master closet. It's a huge walk-in closet with two built-ins, plus tons of hanging space. Thanks to the overhead light, it's very bright. When I walk in each morning to choose my clothes, it just feels so luxurious to have a whole dressing space. The only thing it lacks is a mirror, making it difficult to determine if I like my outfit.

7. Being so much closer to the friends I see the most. This is no slight to my friends in Arlington Heights at all, but now the friends I see the absolute most are 15 minutes away, rather than 30+ minutes away. My life just became spontaneous!

8. Lower gas prices and sales tax. I paid $3.76 for gas yesterday. When I was in Arlington Heights on Sunday, gas was $3.99. What's the difference? Cook County taxes. Speaking of, sales tax is 7% rather than 9.5%.

I'm sure there are plenty of other things I love about my condo, but those are all that come to mind at this very moment.

Bucket List # 67: Buy a House

The ring of keys to my first home.

It is truly the worst kept secret, but as of late this afternoon, I'm officially a homeowner and checked Bucket List Item #67 off my list. I bought a condo in Lake Bluff.

In so many ways buying this condo is the fulfillment of a very long-held dream.

When I lived in DC in my 20s (yes, that would be the 1990s), friends of mine were buying places, but it took about 5 years of renting before I finally felt "old enough" and started thinking of buying the condo I was living in in 1999. When I rented it, the owner told me he would give me right of first refusal, but then went back on that in early 2000 and sold it without even telling me it was on the market until I received notice I had 60 days to leave because it had been sold. I moved to Chicago shortly after that and for a variety of reasons, couldn't entertain the thought of purchasing my own home.

Fast forward 11 years.

It was only 2 1/2 months ago that I actually started to seriously imagine owning a home.

I was looking at rental units online and found one in my LFC girlfriend Wini's building. Chatting with my LFC friend Derek about it, he suggested I look at buying because of how low housing prices and interest rates were. I hadn't even thought about buying because it didn't occur to me that I could. Suddenly, my heart was atwitter with the idea of owning my own home. I got pre-approved with ease and Derek referred me to the most incredible real estate agent ever.

Shelley Goddard of Coldwell Banker in Lake Forest made the entire first-time buying experience fun, easy-to-understand, and pretty painless. She was a tough negotiator who enabled me to purchase my new home for 75% of the current asking price (70% of the original asking price that had only just been reduced when I stumbled upon the condo) by backing up our offers with thorough research and comps. Once we had a contract, Shelley's advocacy work on my behalf continued as she helped navigate the difficult waters of securing the condo documents with a non-responsive seller's agent and attorney. Even sitting at the closing today, Shelley was advocating on my behalf when the seller failed to fix all of the items in the inspection report because he "didn't know they were there" (even though his attorney agreed to fix them in writing). When I got cold feet, she talked me through, it to make sure I was making the decision that was best for me. All along the way, Shelley had my best interest as her primary focus and motivation. Part of what makes Shelley great is that she only works by referral, will never represent both the buyer and the seller in the same transaction (which is legal in Illinois, but really only in the agent's best interest), and only works with a small number of clients at a time. Shelley's 32 year history of living and working in Lake Forest and Lake Bluff also gave me an advantage. I honestly can't imagine buying or selling a home with anyone else.

Shelley then referred me to mortgage broker Bob Degen of Fifth Third Bank in Lake Forest who also worked tirelessly to get me an unbelievable mortgage rate and make the mortgage process as simple as it could be, even with a few snafus due to a change in my down payment funding less than 24 hours before closing. True to his word, Bob enabled my deal to close in 30 days, which is unheard of. He even came to the closing today. Rates have dropped again and if you are thinking about buying a home or want to refinance your current home, call Bob and tell him I referred you. He's the only mortgage broker I will ever deal with.

My attorney, Kathleen Rodriguez, a girlfriend of mine in Arlington Heights, got me through a very difficult attorney review and inspection period, which honestly didn't end until we were sitting at the closing table. She talked me off the ledge more than once and held my hand through the closing process as I developed carpel tunnel syndrome from signing my name 792 times. I had been very confused about how all the credits worked and even through this morning, I was very nervous, but Kathleen explained it all so I could understand it easily. And she fought a good fight with the seller's attorney today when it turned out they didn't fix a safety issue in the inspection. Kathleen was worth her fees many times over. She doesn't have a website, but if you need a real estate attorney, let me know and I'll give you her information.

Another Forester girlfriend, Kara, couldn't stop raving about the movers she hired for her recent move and referred me to LFC alum Derrick Spencer of Aaron Brothers Moving. Derrick and his company are officially moving me next week.

Finally, after the closing today, I met my original Forester Friend Tim State, his boyfriend Michael Norpell, and Wini at the condo to help pick out the color Michael is going to paint my bedroom. Michael is an interior designer, so he really knows his stuff and is going to help me make my condo elegant and classy. Even though I had fallen in love with Silver Peony about 18 months ago on Forester girlfriend and interior designer, Barrie Spang's blog, The Designing Life (scroll all the way down on the home page and see the picture called "Master Bedroom"), we ended up choosing Lavender Ice, a color Tim and Michael have in their home.

This is what I'll see when I look out my bedroom window each morning.

Lest you have any doubt, buying, moving into and decorating my first home would not be possible without my Forester Family and their connections.

I can't wait to get moved in and settled. And more than that, I can't wait to host my first dinner party. Then it will truly feel like home.