urbanhack
Fight The Power!
Where are you looking to live back in Chicago?? which hood?
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OFFICIAL - Buying / Selling / Moving Thread (1 Viewer)
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krista4
Footballguy
I find myself tending toward my old neighborhood or those adjacent - Wicker Park, Ukrainian Village, Logan Square, etc. - and also could do West Loop or West Town. I'd be open to places like Lincoln Square or Andersonville, but my mom would likely have a hard time finding a place to meet their needs up there, and if they end up in the Loop, Gold Coast, Streeterville-type area, I don't want to be so far away. There are actually some good possibilities for them in the Wicker Park/UK Village area, too.
Chadstroma
Footballguy
Yea, there are other options and like I said before, all else fails with thr CU/banks, I likely have a solution.
Smaller CU's will have caps like that... larger ones and community banks should be good to go though.
krista4
Footballguy
I've had a rough time today finding a local that works for everything I want. But then I convinced myself that this is stupid and I should not be putting this in place right now. Chicago market is not hot like it is here, and things aren't going to go crazy in nine months. I need to wait and just deal with it later anyway. NO BUYING A HOUSE IN THE NEXT FOUR WEEKS.
Chadstroma
Footballguy
Yea... remember to breathe
I've had a rough time today finding a local that works for everything I want. But then I convinced myself that this is stupid and I should not be putting this in place right now. Chicago market is not hot like it is here, and things aren't going to go crazy in nine months. I need to wait and just deal with it later anyway. NO BUYING A HOUSE IN THE NEXT FOUR WEEKS.
Mrs. Rannous
Footballguy
Look! It's Mister Miyagi!Yea... remember to breathe
I've had a rough time today finding a local that works for everything I want. But then I convinced myself that this is stupid and I should not be putting this in place right now. Chicago market is not hot like it is here, and things aren't going to go crazy in nine months. I need to wait and just deal with it later anyway. NO BUYING A HOUSE IN THE NEXT FOUR WEEKS.
![[icon]](/data/avatars/m/5/5167.jpg?1660313464){kind=avatar}
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Insoxicated
Chadstroma
Footballguy
Update: Last weekend I went over to the estate sale to see the house. The master bedroom, bathrooms and basement were closed off during the estate sale. The bedrooms, family, dining, living, and kitchen areas were all as described by the realtor which is summed up by saying "in good condition but dated decor". I am assuming this will be the case for the bathrooms. My wife was not able to get over there during the estate sale with a busy weekend we had. We are set to see the house at 4pm today with the listing realtor. I believe, assuming a surprise from my wife or some drastic thing we see in the master bedroom, bathrooms or basement we will put an offer in.
My FIL apparently does not want to do give the cash and then us doing delayed financing so I am looking at us qualifying to hold both properties (I think we should be able to from eyeballing it) but my wife is not a very good customer as her credit is frozen and she has not responded to my efforts to communicate with her.
My FIL apparently does not want to do give the cash and then us doing delayed financing so I am looking at us qualifying to hold both properties (I think we should be able to from eyeballing it) but my wife is not a very good customer as her credit is frozen and she has not responded to my efforts to communicate with her.
Chadstroma
Footballguy
My wife keeps throwing curve balls at me on this. I don't speak to her Dad about financial matters... not as a rule but just something that unless he approaches me, I am not going to approach him. So, she adds more info or isn't sure about something or doesn't know if she wants to do it this way.... etc. I have an offer typed up and waiting on her.Update: Last weekend I went over to the estate sale to see the house. The master bedroom, bathrooms and basement were closed off during the estate sale. The bedrooms, family, dining, living, and kitchen areas were all as described by the realtor which is summed up by saying "in good condition but dated decor". I am assuming this will be the case for the bathrooms. My wife was not able to get over there during the estate sale with a busy weekend we had. We are set to see the house at 4pm today with the listing realtor. I believe, assuming a surprise from my wife or some drastic thing we see in the master bedroom, bathrooms or basement we will put an offer in.
My FIL apparently does not want to do give the cash and then us doing delayed financing so I am looking at us qualifying to hold both properties (I think we should be able to from eyeballing it) but my wife is not a very good customer as her credit is frozen and she has not responded to my efforts to communicate with her.
At the same time yesterday, I had a loan file that was stressing me out. The one thing that really is hard for me in this industry is I feel like I care more than others might. To make a long story short, my client had $16K in earnest money on the line and spent $4K in various aspects of the purchase (it is a 12 unit building). If we did not close today, they would lose the $16K and the $4K would have been for nothing.
I was stressed last night and my wife is like "You know, it is ok if we don't get it. If it is meant to be, it is meant to be." and I was like "I am not stressing about us buying this home, I am stressing about my clients loan!"
I am overjoyed to report that the docs are out and the client is wiring their funds on their way to their closing.
Now, to hear back from one of the worst clients ever.... my wife.
[icon]
Insoxicated
My wife keeps throwing curve balls at me on this. I don't speak to her Dad about financial matters... not as a rule but just something that unless he approaches me, I am not going to approach him. So, she adds more info or isn't sure about something or doesn't know if she wants to do it this way.... etc. I have an offer typed up and waiting on her.Update: Last weekend I went over to the estate sale to see the house. The master bedroom, bathrooms and basement were closed off during the estate sale. The bedrooms, family, dining, living, and kitchen areas were all as described by the realtor which is summed up by saying "in good condition but dated decor". I am assuming this will be the case for the bathrooms. My wife was not able to get over there during the estate sale with a busy weekend we had. We are set to see the house at 4pm today with the listing realtor. I believe, assuming a surprise from my wife or some drastic thing we see in the master bedroom, bathrooms or basement we will put an offer in.
My FIL apparently does not want to do give the cash and then us doing delayed financing so I am looking at us qualifying to hold both properties (I think we should be able to from eyeballing it) but my wife is not a very good customer as her credit is frozen and she has not responded to my efforts to communicate with her.
At the same time yesterday, I had a loan file that was stressing me out. The one thing that really is hard for me in this industry is I feel like I care more than others might. To make a long story short, my client had $16K in earnest money on the line and spent $4K in various aspects of the purchase (it is a 12 unit building). If we did not close today, they would lose the $16K and the $4K would have been for nothing.
I was stressed last night and my wife is like "You know, it is ok if we don't get it. If it is meant to be, it is meant to be." and I was like "I am not stressing about us buying this home, I am stressing about my clients loan!"
I am overjoyed to report that the docs are out and the client is wiring their funds on their way to their closing.
Now, to hear back from one of the worst clients ever.... my wife.
Congrats on getting the deal closed. Following for updates on your saga!
Chadstroma
Footballguy
I put an offer in last night.
They already accepted an offer yesterday.
We will be in a backup position if something falls through with the property but I wouldn't expect that at all. It is fine. It would have worked out really well in a number of ways but at the same time, we were not looking and that means I keep my current mortgage rate.
They already accepted an offer yesterday.
We will be in a backup position if something falls through with the property but I wouldn't expect that at all. It is fine. It would have worked out really well in a number of ways but at the same time, we were not looking and that means I keep my current mortgage rate.
Chadstroma
Footballguy
Dammit.... it gave me the itch.
I looked on Redfin for houses for sale in that neighborhood.
I looked on Redfin for houses for sale in that neighborhood.
krista4
Footballguy
Chadstroma
Footballguy
Is there an update here that maybe someone should know about?
ChiefD
Footballguy
So, we closed today on our house in Wisconsin. I've been waiting to give details until that point, but here we are.
First off, I want to thank @Chadstroma . He spent a phone conversation with me going over a lot of information regarding mortgages and rates and costs and everything. Extremely, extremely nice human being. Answered every question and was very easy to talk to - like we had been friends for years. We even got through the whole Raiders/Chiefs thing with a lot of laughs. Ultimately, we decided to go with a local credit union in the town where we will be living.
This town is small - less than 8800 people. So we decided that we wanted to establish some roots there from a banking standpoint and just from a "let's do business with a local agent" scenario. That was really the only reason we did not choose Chadstroma. But I can honestly tell everyone here he was a professional through and through, and would recommend him to anyone here.
So, to tie things up in Kansas City, we closed on that house in early May, and the new homeowners were kind enough to let us stay in the house until this next week when the kids are done with school. We ended up with 19 offers and ended up with about 55K over asking. A windfall we didn't expect but which gave us enough funds to get what we really wanted: either lakefront or land.
We ended up with land. About three years ago my wife and I came up here to poke around so she could see the area. We hooked up with a local agent and she was kind enough to show us a couple of houses even thought we weren't quite ready yet. Fast forward to now and I reached out to her in the fall of 23 giving her a heads up that we were coming and we would like to use her as our agent. We kept in touch all winter and spring as our dates started to firm up. Lucky for me I found a job quickly and moved up here about a month ago and started work. I commute an hour each way every day from my uncles house, and we were bracing for a long house quest.
The market as also competitive as hell up here, and lakefront is getting really expensive unless you want a dump that needs a ton of work. About a week before I came up, she texted me that she had a place that she was listing in about 10 days, and the owners agreed to let me in to see it before we hit the market. It had some land and some outbuildings and sounded pretty good. So I was like "oh hell yeah."
Head over there, and its amazing:
4BR
2BA
8 Acres - 50% timber and 50% grassland
Two Outbuildings: one is 65' x 30', and the other is 20' x 45'. The big shop has a pellet stove in it.
House is completely finished - comes with all appliances including washer and dryer. All of the good stuff is on the main floor so we can retire comfortably here. Hardwood floors throughout. Pellet fireplace in the living room. Nice big deck. The house faces west for beautiful sunsets. And it's in the middle of nowhere. About 22 minutes from work and the school the kids will go to. I won't have to lift a paint brush in this house. A massive relief after remodeling every house I've ever lived in.
I love it here. Back to KC tomorrow to load up the house and family will come up next weekend. Onward and upward.
First off, I want to thank @Chadstroma . He spent a phone conversation with me going over a lot of information regarding mortgages and rates and costs and everything. Extremely, extremely nice human being. Answered every question and was very easy to talk to - like we had been friends for years. We even got through the whole Raiders/Chiefs thing with a lot of laughs. Ultimately, we decided to go with a local credit union in the town where we will be living.
This town is small - less than 8800 people. So we decided that we wanted to establish some roots there from a banking standpoint and just from a "let's do business with a local agent" scenario. That was really the only reason we did not choose Chadstroma. But I can honestly tell everyone here he was a professional through and through, and would recommend him to anyone here.
So, to tie things up in Kansas City, we closed on that house in early May, and the new homeowners were kind enough to let us stay in the house until this next week when the kids are done with school. We ended up with 19 offers and ended up with about 55K over asking. A windfall we didn't expect but which gave us enough funds to get what we really wanted: either lakefront or land.
We ended up with land. About three years ago my wife and I came up here to poke around so she could see the area. We hooked up with a local agent and she was kind enough to show us a couple of houses even thought we weren't quite ready yet. Fast forward to now and I reached out to her in the fall of 23 giving her a heads up that we were coming and we would like to use her as our agent. We kept in touch all winter and spring as our dates started to firm up. Lucky for me I found a job quickly and moved up here about a month ago and started work. I commute an hour each way every day from my uncles house, and we were bracing for a long house quest.
The market as also competitive as hell up here, and lakefront is getting really expensive unless you want a dump that needs a ton of work. About a week before I came up, she texted me that she had a place that she was listing in about 10 days, and the owners agreed to let me in to see it before we hit the market. It had some land and some outbuildings and sounded pretty good. So I was like "oh hell yeah."
Head over there, and its amazing:
4BR
2BA
8 Acres - 50% timber and 50% grassland
Two Outbuildings: one is 65' x 30', and the other is 20' x 45'. The big shop has a pellet stove in it.
House is completely finished - comes with all appliances including washer and dryer. All of the good stuff is on the main floor so we can retire comfortably here. Hardwood floors throughout. Pellet fireplace in the living room. Nice big deck. The house faces west for beautiful sunsets. And it's in the middle of nowhere. About 22 minutes from work and the school the kids will go to. I won't have to lift a paint brush in this house. A massive relief after remodeling every house I've ever lived in.
I love it here. Back to KC tomorrow to load up the house and family will come up next weekend. Onward and upward.
krista4
Footballguy
Well...we came to Chicago for five nights to show my mom and her husband around some neighborhoods and get a feel for what they might like when we move next year.
We arrived Tuesday.
By Wednesday I had made an offer on a place that was accepted.
By Thursday my Mom had made an offer, which was accepted today.
Sooooo much
I have to echo every amazing thing that's ever been said about @Chadstroma and his team. I put in to get a pre-approval with him before we left, just in case, and he was amazing. But even more impressive was that my mom had not done one, so when we had to scramble to get one yesterday, he and his team turned it around in a matter of a few hours, including having to be creative and discuss options. It was incredible. He was doing all of this while taking his son to appointments, to soccer practice, etc. Truly a superman.
Anyway, now we're moving in July.
We arrived Tuesday.
By Wednesday I had made an offer on a place that was accepted.
By Thursday my Mom had made an offer, which was accepted today.
Sooooo much
I have to echo every amazing thing that's ever been said about @Chadstroma and his team. I put in to get a pre-approval with him before we left, just in case, and he was amazing. But even more impressive was that my mom had not done one, so when we had to scramble to get one yesterday, he and his team turned it around in a matter of a few hours, including having to be creative and discuss options. It was incredible. He was doing all of this while taking his son to appointments, to soccer practice, etc. Truly a superman.
Anyway, now we're moving in July.
Mrs. Rannous
Footballguy
Chadstroma
Footballguy
krista4
Footballguy
Sigh.
How are you selecting movers? It's been such a freaking hassle. As you all know , I move frequently, but since 2013 it's been local-ish. A cross-country move is ridiculous. We first got quotes from the mover we've used locally over the past several years. In their defense, they did tell us they would be more expensive than others. But nearly $40k?!?! It's two households, but we're each only taking about half our stuff, and my mom's house is small (1450 sq ft). Wtaf? This wasn't even for "expedited" service but just an estimate that we'd get our stuff in about two weeks.
So then we went to one that, instead of sending someone to estimate, had us fill out forms with all our inventory. How the hell am I supposed to know how many boxes I'll have? They did an estimate but I have no idea if it is going to be accurate.
We have a third one engaged now, but this is getting ridiculous. I've been a lawyer for 30+ years and can't even make heads or tails of their contracts and what is or is not included.
How are you selecting movers? It's been such a freaking hassle. As you all know
, I move frequently, but since 2013 it's been local-ish. A cross-country move is ridiculous. We first got quotes from the mover we've used locally over the past several years. In their defense, they did tell us they would be more expensive than others. But nearly $40k?!?! It's two households, but we're each only taking about half our stuff, and my mom's house is small (1450 sq ft). Wtaf? This wasn't even for "expedited" service but just an estimate that we'd get our stuff in about two weeks.So then we went to one that, instead of sending someone to estimate, had us fill out forms with all our inventory. How the hell am I supposed to know how many boxes I'll have? They did an estimate but I have no idea if it is going to be accurate.
We have a third one engaged now, but this is getting ridiculous. I've been a lawyer for 30+ years and can't even make heads or tails of their contracts and what is or is not included.
krista4
Footballguy
Now we're thinking of doing a trip in July with all the stuff we could move ourselves, in a Ryder or U-Haul or whatever. Then just having the movers take big stuff (couches, mattresses) later. But, given we will also be driving across the country with six cats in an RV in August (which might need to be its own thread), I'm not really keen on a second trip where I have to drive some large vehicle.
ChiefD
Footballguy
You may look at PODS. I couldn’t use them because they don’t deliver way up here.
krista4
Footballguy
Thanks! We did think of that but then weren’t sure where to put a POD in the middle of Chicago. This is a good reminder that we should at least check it out.
Peggy
Footballguy
Thanks, please keep us updated. I've pushed our house hunting trip out until the end of September. Dreading having to pay a bunch for movers.Sigh.
How are you selecting movers? It's been such a freaking hassle. As you all know
So then we went to one that, instead of sending someone to estimate, had us fill out forms with all our inventory. How the hell am I supposed to know how many boxes I'll have? They did an estimate but I have no idea if it is going to be accurate.
We have a third one engaged now, but this is getting ridiculous. I've been a lawyer for 30+ years and can't even make heads or tails of their contracts and what is or is not included.
Chadstroma
Footballguy
Here you go.... RV with a trailer and then a UHaul with a trailer... one drives the RV and the other the UHaul. Half way across the country. The possibility of losing my sanity would be worth the $35K in savings to me.
Chadstroma
Footballguy
Knowing where you are moving.... this made me laugh trying to envision a POD container being dropped off at the front door of the building.
Maybe they can bring it to like a staging area? But then you would have to figure out how to get it from that place to the condo which might not make it worth it.
krista4
Footballguy
Yeah, don't think it will be doable, unfortunately. Maybe they could put it on my rooftop?
Chadstroma
Footballguy
Yea, helo lift it in.... maybe a crane?
Yeah, don't think it will be doable, unfortunately. Maybe they could put it on my rooftop?
belljr
Footballguy
Not sure if this helps but when my dad sold his house in Florida he hired a couple guys to load the truck. We drove the truck to NJ which absolutely sucked btw.
He then hired a couple guys to unload in NJ.
I think he got info from the Hertz people
krista4
Footballguy
The first condo I bought in Chicago also had a private roof deck, and I actually did hire people who used some sort of ridiculous pulley system to get furniture up there for me. Oh to be young and dumb again, instead of just dumb.
Mr. krista proposed exactly the same thing! Or actually, what he said was, "Let's just torch all this stuff and start over in Chicago."The people I bought my current house from did this, though they were just going down to California so not quite as far. It's a possibility. I just thought at this stage in my life I could have someone else do things for me. But nooooooo.
We have yet a fourth mover we're going to talk with, recommended by our realtor out here who used them to move her mom from NJ to WA.
nightmare
Footballguy
Pick out all the stuff you NEED. The rest of it?-Estate sale.
belljr
Footballguy
Honestly, at this rate I think the best play is just to set yourself on fire and call it a day
The first condo I bought in Chicago also had a private roof deck, and I actually did hire people who used some sort of ridiculous pulley system to get furniture up there for me. Oh to be young and dumb again, instead of just dumb.
The people I bought my current house from did this, though they were just going down to California so not quite as far. It's a possibility. I just thought at this stage in my life I could have someone else do things for me. But nooooooo.
We have yet a fourth mover we're going to talk with, recommended by our realtor out here who used them to move her mom from NJ to WA.
Drunken knight
Footballguy
** Bookmarked **
krista4
Footballguy
I was totally OK with it the way you wrote it, at this point!I just got back from my mom's neighborhood garage sale. They decided to try to sell some stuff since it was going on anyway, and it went well for them as they made about $2000 (@Chadstroma , note this for their loan approval
). I took some of our stuff over and sold about $450, but here's a little pro tip...do NOT work your parents' garage sale, if they're elderly, because guess who spends the whole time moving all the heavy things and loading them into cars? That would be me, krista "muscles" 4. (Note, I do not have muscles.) I feel like I'm gonna die, and all the money goes to them!
krista4
Footballguy
I should just put a price tag on everything, including Mr. krista, and open the doors.
STEADYMOBBIN 22
Footballguy
Super late but CONGRATS!!!!! Looking forward to seeing how many shovels can fit in those outbuildings!!!So, we closed today on our house in Wisconsin. I've been waiting to give details until that point, but here we are.
First off, I want to thank @Chadstroma . He spent a phone conversation with me going over a lot of information regarding mortgages and rates and costs and everything. Extremely, extremely nice human being. Answered every question and was very easy to talk to - like we had been friends for years. We even got through the whole Raiders/Chiefs thing with a lot of laughs. Ultimately, we decided to go with a local credit union in the town where we will be living.
This town is small - less than 8800 people. So we decided that we wanted to establish some roots there from a banking standpoint and just from a "let's do business with a local agent" scenario. That was really the only reason we did not choose Chadstroma. But I can honestly tell everyone here he was a professional through and through, and would recommend him to anyone here.
So, to tie things up in Kansas City, we closed on that house in early May, and the new homeowners were kind enough to let us stay in the house until this next week when the kids are done with school. We ended up with 19 offers and ended up with about 55K over asking. A windfall we didn't expect but which gave us enough funds to get what we really wanted: either lakefront or land.
We ended up with land. About three years ago my wife and I came up here to poke around so she could see the area. We hooked up with a local agent and she was kind enough to show us a couple of houses even thought we weren't quite ready yet. Fast forward to now and I reached out to her in the fall of 23 giving her a heads up that we were coming and we would like to use her as our agent. We kept in touch all winter and spring as our dates started to firm up. Lucky for me I found a job quickly and moved up here about a month ago and started work. I commute an hour each way every day from my uncles house, and we were bracing for a long house quest.
The market as also competitive as hell up here, and lakefront is getting really expensive unless you want a dump that needs a ton of work. About a week before I came up, she texted me that she had a place that she was listing in about 10 days, and the owners agreed to let me in to see it before we hit the market. It had some land and some outbuildings and sounded pretty good. So I was like "oh hell yeah."
Head over there, and its amazing:
4BR
2BA
8 Acres - 50% timber and 50% grassland
Two Outbuildings: one is 65' x 30', and the other is 20' x 45'. The big shop has a pellet stove in it.
House is completely finished - comes with all appliances including washer and dryer. All of the good stuff is on the main floor so we can retire comfortably here. Hardwood floors throughout. Pellet fireplace in the living room. Nice big deck. The house faces west for beautiful sunsets. And it's in the middle of nowhere. About 22 minutes from work and the school the kids will go to. I won't have to lift a paint brush in this house. A massive relief after remodeling every house I've ever lived in.
I love it here. Back to KC tomorrow to load up the house and family will come up next weekend. Onward and upward.
