Tuesday, June 30, 2009

We Bought The House!

We are homeless no more. It took 6 weeks from offer to closing. If you haven't seen them yet, you can see pictures here: http://stuporglue.org/gallery/Moores/2009/house/ .

It's close to a nice park, really close to the light rail park and ride, a few blocks from the library, and close to an Old Country Buffet.

It's a foreclosure and it does need some work, but I think it's within our abilities. Hope so anyways. :-)

We got everything moved into the garage tonight, and will clean and work on actually moving in tomorrow!

I'm sure more pictures will follow...

--
Michael







Here's a brief review of our experience with Edina Realty and Edina Realty Mortgage
http://www.edinarealty.com/ -- Edina Realty
http://stevenrosnow.edinarealty.com/ -- our agent
http://danwright.edinarealty.com/ -- our mortgage guy

For anyone coming to the Minneapolis area, we used Edina Realty for our agent, and used the Edina mortgage people (Wells Fargo affiliates, or something). Here's my review:

Our agent, Steven, was good. He was flexible with his schedule and was always very punctual. He was friendly and seemed to know what was going on in the market and such.

Once we had picked a house and made an offer though, Edina Mortgage just dropped the ball. Dan and Brenda were friendly enough, but I wouldn't use them again.

What I expected was that they would tell me what they needed, I would get it to them, and that would basically be it.

What happened instead is that they kept asking for more and more and more documentation. While their claim that the underwriters kept asking for more may be true, it is my opinion that as professional mortgage people they should know their underwriter and know ahead of time what to ask me for.

The underwriters then asked for a second appraisal saying that the first one wasn't in-depth enough. Again, I think that a competent professional should know that and get the right appraisal the first time.

The last thing I wasn't happy with was that they didn't push the underwriters to get everything done until it was too close to the original closing date (last Thursday). It was around this time that the second appraisal results came back with two new things to fix before we could buy the house...

Even with the closing date set for today, they didn't have the documents out of underwriting until yesterday afternoon. Lucky for us the seller (Fannie Mae) didn't press for the 72 hours they had requested to review the underwriting.

Anyways, if we were doing it over, we would probably use Steven for our agent, but use someone else for the mortgage.

Saturday, June 27, 2009

A Really Good Night

So, we didn't close on Tuesday, which was a bummer to say the least. The underwriters on the loan required that a couple of repairs be done before closing. But the good news is, the seller offered to pay for the repairs, which apparently doesn't happen often with bank owned homes, so that is exciting. Our new closing date is set for Tuesday, and I really really really hope it doesn't change!

So we spent a couple more days at AnnaMarie and Tyler's house, which was lots of fun. AnnaMarie has been trying some awesome new recipes this week and it's been really fun to do. I need to try new recipes more often. She has a whole recipe box full of recipes to try, which I think I am going to have to do once we get settled. And we've been having a lot of fun at parks and pools with the kids, although yesterday Ryan was so crazy and naughty that we couldn't take it anymore and had to get out of the house by 8:30 AM. It was a very good decision on our part, because sure enough the kids wore themselves out and took great naps. I told AnnaMarie that I was pretty sure if we hadn't gone out that Ryan would have been in time out all day. And sadly that's really not an exaggeration.

Tonight we are at Ken and Kelly's house and since Ryan was so naughty with that darn roll top desk last time, he is now sleeping in the basement with us. We were upstairs tonight after putting the boys to bed, and after a while we heard some loud thumping noises from downstairs. So, Michael asked in a loud voice, "Ryan bear, whatcha doin' down there?" To which a very not tired sounding Ryan replied, "I'm just loving you a lot down here."

Speaking of not tired sounding Ryans, it is 11:00 PM and Ryan is still not asleep--in bed, but not sleep. Why, you may ask? Because he took his nap from 5:00 to 7:30 PM! I know, I know, we could have just kept him up, not had him nap, and put him to bed early, but he was so horribly grumpy that honestly we were just glad to finally have him unconscious for a little while (is that mean?).

But since he was waking up at about the time that Calvin was going to bed, we had a lot of quality time with him tonight, which was nice. We had a fire with Ken, Kelly, Luke and Evie and we made s'mores with fun size snickers bars instead of chocolate-wow, it was good. Then Kelly headed off to work and Ken went out to the garage to work on some things, and I wanted to help clean up a bit and do some laundry, so Michael and Ryan played together for a long time. It was so fun listening in while I was upstairs. Michael is such a great daddy and Ryan just loves doing things with him. It was just a really nice night.

I love this picture of my happy boys:



And this one of Ryan...I think in this one he was sad because he thought I was going to take one of his stickers:



A few weeks ago I took the boys to a waterfall in Minneapolis. It was beautiful!


Tuesday, June 23, 2009

Happy (Late) Fathers Day!




We had a lovely fathers' day here in Minnesota! We had breakfast at AnnaMarie's house with grandpa and the gang, which was really nice. Then after church we headed to Ken and Kelly's house to spend the afternoon there and eat dinner with them. Kelly is such a good cook! Man, Kelly, I can't even believe you have time to do everything that you do in your life, including making delicious meals! Anyways, back to fathers. It was a delicious meal and we had a great time celebrating the fathers in our lives. Dad, Dad-in-law, and Michael, thank you for being such great fathers to your children. I've learned so much from each of you and love you all!

For fathers day I helped the boys record some songs for Michael and the grandpas and oh my, it was hillarious. I have two favorites. One is an original composition by Ryan where I asked him to make up a song about Michael. He responded with his own unique little tune and the words, "I like to play music with him, and when he tells me bedtime stories, I really like that! But today is a special day! And I like him helping me...playing his accordian, and now I like doing garage doors with him,and trying to help him get a job!"

Since I couldn't figure out how to just post the song, here is a video of Ryan listening to the song, just so you can hear it for yourself.

video


My other favorite was a song that Ryan sang about how he loves his grandpa. He let our a belch mid-song and kept right on singing. Nice. I don't think you all need to hear that one to appreciate it, so I won't post it :)

Anyways, we had a great fathers day, and I hope all of you did, too!

Here are some pictures from a little photo shoot I did a few weeks ago. Enjoy!

Calvin is such a sweet boy, and getting crazier and bigger all the time!



Katie and Calvin are getting to be good buddies. I love this picture! Katie is so nice to him!



I know, Katie. I feel that way too sometimes.



Ryan, pretending to lovingly bite his baby brother on the head.

Saturday, June 20, 2009

This one's for you, Liz

So my good friend Liz reminded me that I need to put new posts up on our blog. I have been dragging my blog feet, so to speak, for a very long time. I guess I have just been holding out for more energy but that hasn't happened yet, so might as well bite the bullet. This one's for you, Liz.

So, our lives have been pretty stagnant this last couple of weeks. Except for all the trips back and forth between Ironwood and Minneapolis. We've been hoping against hope that we could close on our house early, but alas, no such luck. But we are in the home stretch--we close on this coming Thursday! Still for the last few weeks we've been stuck in that no man's land between excitement over having our offer accepted and waiting to be excited over being homeowners.

So, Michael has still been working in Spring Lake Park, which means if we were staying at my sister's house it's an hour long commute, basically. So, when AnnaMarie and Tyler moved into their apartment 2 weeks ago, guess who the big jerks were that descended on their new place? Oh yeah, us. I feel like such a schmo, preying on the kindness of every friend and family member we possibly can. AnnaMarie, I seriously can't believe that you guys haven't kicked us out yet! Thank you for letting us stay!

I try to leave every few days and go somewhere else to give people some space, so it's usually been a trip up to Ironwood in order to give AnnaMarie a break, but it's a 5 hour trip and that's a pretty hefty gas bill when you're making the trip 2 to 4 times per week. So, I think we're here for the home stretch, although right now we are actually at my sister Kelly's house (you are also a saint, thank you!) so at least AnnaMarie won't have to deal with us for another 24 hours! (P.S. Can you tell I feel bad? I hope so!)

Anyways, we've really been having so much fun with AnnaMarie, Tyler and Katie. Their apartment has an awesome pool and exercise area and we've been loving taking the kids to the pool every day. Ryan and Calvin both love Katie to death, and Katie is being a very good sport about all the yelling, toy stealing and bossy-ness. She is at such a fun age. I'm excited for Calvin to get there. It's also been a lot of fun having Luke and Evie around. That girl loves to sing, and it is so so funny to watch her sing "I know you" from sleeping beauty. SO FUNNY! I'm so excited that our boys will have their little cousins around to play with for the next few years at least.

Also, my brother in law James went through the temple today. It was a great experience to be there with him. Congratulations, James! We're proud of you! You will make a great missionary!

Funny Ryan story from tonight, really quickly (Oh, Liz, I am hoping this will make you laugh hard enough to finally put you into labor). So, at Ken and Kelly's house we have been putting the boys to bed in Ken's office. Calvin sleeps in the pack and play in there and Ryan sleeps on some blankets on the floor next to the unbelievably tempting roll-top desk. Every night we are here he has to be told about a million times to not touch the desk and to go to sleep. So tonight Michael and I put the boys to bed and then spent a while playing the piano and singing songs together (which was really really fun!). After a while we heard the office door open and heard Ryan run across the hall and go into the bathroom and close the door. We decided to go over there and stand in front of the door so we would surprise him when we came out. Here is what we heard from the door:

"Oh, hello keys (as he picks up my car keys--with the car remote button thing on them--from off of the counter). I won't even push any of your buttons......Except.....lock, unlock. Lock, unlock. Lock, unlock. Lock, unlock....(this goes on for quite a while as he locks and unlocks the car over and over again from the bathroom)."

"(Pullup crinkling in the background as he tries to put it back on) No, no, foot, you go in one hole, and the other foot goes in the other hole. There."

Then the door opens and Ryan stares up at us with his i-know-i'm-in-trouble-but-i-will-still-smile-in-hopes-of-getting-of-the-hook look with my car keys in his hand. I ask "Ryan, what are you doing with those?"

Ryan says "I was just going to unlo... (then the awareness of getting in trouble dawns on him)...Nothing!"

We start laughing at him and since he now knows he won't get in too much trouble he says, "I was just going to use it to unlock Ken's desk."

He's a funny boy. Michael and i thoroughly enjoy laughing at the ridiculous things he does.

So, a couple of weeks ago while we were all up in Ironwood, we took the kids to a petting zoo, and they seriously loved it! So of course we have some great pictures...probably way too many great pictures...but hey, when it rains, it pours! So, enjoy!




Calvin got pretty up-close and personal with this wierd albino deer...



Ryan, checking out it's enormous ears.



Calvin and Katie with Uncle Benjamin and Aunt Christy



Katie in a tunnel!



I love this one of Michael and Tyler with the kids



Ryan started begging for a bunny to bring home with us after holding this one. *sigh* It's starting...but he was making an awfully cute face, so it was almost hard to say no.



Ryan with more bunnies



The goats were pretty friendly and the boys loved them.



This is Ryan's new jacknife pose that he does whenever he sees something on the ground that he needs a better look at.



Calvin and a sleeping baby goat. Let's just say Calvin isn't exactly "patting" it on the head here. It didn't sleep much longer.



And here's a goat eating Michael's shirt. Great!



Love these ones of Ryan and Grandpa. Ryan knows how things work.


He used Grandpa's pocket change to buy a bottle of "bear juice" which he personally fed to a grizzly, with Grandpa's help. The bear seemed very grateful.


Sunday, June 7, 2009

BB Gun!

(Even if this says "by Caroline", it's actually by me, Michael)

Little is so manly as shooting guns. Pink manly BB guns. While wearing a cow rain coat. In front of a wire cat decoration.


The poor little guy couldn't even reach the trigger if he put the butt of the gun against his shoulder! He did have fun though. I would cock it (he tried once, and it was way too hard :-) and point it in the general direction of the coffee can we were using as a target, and he would pull the trigger.


Caroline, Ryan, Calvin, James, Benjamin and I had gone out to Janny & Jerry's to shoot the BB guns. Ryan had been talking about it all day, and was really excited. You know, RYAN excited. Once we were there though, the excitement lasted about 10-15 shots till he noticed that Auntie Jan's tractor shed had two garage doors. You can probably guess what he spent the next 45 minutes doing.


With Janny playing with Calvin and with Ryan distracted by a garage door, Caroline got a chance to shoot for a while. And honestly, she can generally outshoot me. I blame it on the fact that I have to wear glasses. Here's Caroline's excited face!

Friday, June 5, 2009

Look, a little tree!

So, a while ago while we were in a meeting with our realtor plus two crazy boys, we decided it was time for a break, so we went to a nearby park. Ryan was so excited because there was a little tree there in the middle of the park--he was especially excited that he could fit his hand around the trunk. And of course when Calvin saw Ryan getting all excited, he joined right in. I just love these pictures of my funny boys!