Friday, November 15, 2013

Meetings, Meetings, Meetings

Yesterday Bob met with the financial dude (FD) to begin the loan application process.  There was a list of over 20 documents we had to gather before the meeting.  This included pay stubs, w2, personal and business tax returns, business documents including a letter from our CPA, bank statements, investment information, current home documents and other things.  Bob had made copies of all of these along with a cover sheet of all the documents annotated.  From what Bob said, it sounds like FD may have actually swooned.  I guess not everyone is as anal organized as us.  Weird. The normal time frame for approval is about 30 days.  Since Bob is self employed it will take closer to 45-60 days.  We are really hoping for 45 days as that would allow us to break ground before the end of the year.  Ryan homes and NVR (the mortgage company) are sister companies, so they have a vested interest in getting this done as quickly as possible.  

On Tuesday we are set to meet with Guardian.  Guardian does the wiring for cable, security systems, stereo systems, etc.  Bob and I talked a bit about what we want to have done but haven't made the final decisions since we don't know the cost of everything.  So, we'll let the Guardian dude do his sales pitch and go from there.  We did go over the floor plan in detail last night in case we need to decide where to put our cable lines sooner than later.  We know we'll have one in the master bedroom, the living room and the basement.  We've also decided to put one in the guest room.  We quickly decided where the furniture would go in the bedroom, allowing for new furniture somewhere down the road.  The basement and guest room are no brainers.  The family room is a bit more complicated.  

Basically, we have to decide if the TV should go on the wall shared with the study or above the fireplace.  The fireplace is a beautiful stone that goes up to the ceiling.  They will put in an outlet in the stone for this.  I'm not sure if the TV would then sit on the mantle, or if we could hang in on the stone a bit up from the mantle.  Assuming we did that, I believe they would run the necessary cables behind the wall and then we would need something to hold/hide the cable box to the right or left of the TV.  We also need to decide placement of the couch(es) and chair(s).  We know that a new couch set is high on the list of things to buy soon after moving into the house but we don't know if it will be two couches or a combination with some chairs.  Decisions, decisions. Assuming the cost isn't outrageous, I'm now leaning towards putting two cable outlets in the room to provide flexibility and avoid regrets down the road.  

Next Saturday is the meeting I look forward to the most.  That's when we meet with the Design Gal (DG) to decide the flooring in the house.  We'll also confirm our cabinet choices, chose the granite for the kitchen, the brick and paint colors for the outside and probably some other miscellaneous items. Aside from picking the floor plan this has to be one of the most fun parts of building.  

Guardian Technologies

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