CRTGAMER wrote:
Yeah, I know what you mean about all those forms. Remember until you sign the CLOSING papers you can always back out.
Plus couple things before you close.
1. Try to get a fixed rated especially now that interest is so low. Variable will kill you in 15 years, unless you are definitely planning to sell later.
2. Check with City Zoning, not only your block but the blocks around you. Don't need a Quki-Mart popping in 5 years from now.
3. If not done yet, get your own building inspector, not one recommended by the seller. Building Inspector then only answers to you.
Home buying is up there with the stress of weddings, funerals and the upcoming moving.
An early congrats on your new home!
Sent duplicate PM of this reply to you CFFJR
Thanks for the advice, and the congratulations!

We got an amazing deal on this house and we're both very happy with it.
We did get a fixed rate, and good thing too. Long or short term, variable is bad, bad news. I'll tell you this man, if I couldn't get fixed, I wouldn't have bought the house, good deal or not. Too risky.
As far as zoning goes, I haven't checked, but I'm glad you mentioned it as I will now. The thing is, it is a developing area, so new stuff is coming up all the time, but I have no idea what the plans for it are. The good news on that front though is that our house is in an older, completed part of the neighborhood (built 8 years ago) so I'm already farther away from any potential problems. 'Course, they may decide to knock my house down to build a bypass, but we'll see what happens.
We actually completed the inspection yesterday (which is why I didn't respond to you until today, heh) and for the most part it went well. The inspector was very honest, and ridiculously detailed, which made me happy. I only have one big problem to address: the basement is suspended, so it doesn't float; I knew that of course, and its a good thing. Unfortunately, the goofball builders for some reason didn't put a vapor barrier under the floor, so I have all kinds of moisture under there. It's very minimal damage right now, no biggie, but I've gotta put down the barrier now or it'll be a big problem down the road. That's another $1000+ to deal with, but we're gonna try to get the seller (the house is bank owned) to cough up for it. They probably won't, but its worth asking!
Sorry for the long post there, its easy for me to get talking about this.