No, the sale price doesn't affect the insurance. It's based on the value of the house. The last appraisal of the house was $48,000. My grandmother had a policy on it for $300,000 worth of coverage and it was less than $400 for a year.
I'm not totally sure how it works, our insurance lady is calling us back with an estimate probably today so we'll see how that goes.
We are meeting with another bank this afternoon. We went to a local bank and the service was horrendous. We called our real estate agent and she gave us the name of the man that her son dealt with cause he did the exact same thing we are doing last year and she said he was wonderful. Hopefully we'll have a better experience. He deals with a lot of agriculture loans so we're hoping it will go smoothly. Once we get the money we can get the perk test, well and septic, and start putting in the driveway.
Our yard is a nasty muddy mess and yesterday's downpour didn't help. The ducks are no longer allowed to free range cause they are tearing up my backyard
They are not happy about being confined to the pen but tough cookies.
My chickens on the other hand, are super excited about the snow melt cause they can venture out of the run. Ozzie went running out of the run this morning and hit a patch of ice.... His big old rooster butt went slidin' across the yard....feathers flying....wings flapping....me laughing....
Maddie asked me when we were going home this past weekend and I told her we were leaving sunday and she said "No, mommy. When are we going to OUR house.....granny's little house?"
We have started calling the doublewide the little house and the new house (2500 sq ft on a full basement) the big house. It's crazy big. I don't know if I could live in a house that big....just feels really cold to me. I like my warm and cozy little house. The doublewide is 1493 sq ft. and our current house is 1100 so it's not like we're going to a mansion or anything. That's about as big as I want to go with a home....I think the layout makes a lot of difference in how big a house feels, you know?
We are trying to get rid of a lot of our stuff too....if we don't use it then why keep it, right? I'm trying to convince granny to get rid of a lot of her stuff too....she has so many dishes and pots and pans....she could start a restaurant. It's ridiculous. When she was unpacking I made her put stuff in a goodwill box....she was going to put stuff in the dumpster.....killing me. She had things that were unopened in the original box that she had never used and she was going to throw them away. Are you kidding me?
Just got a phone call from our tax guy.....we're getting back $3500!!!!! That will pay for our goats and give us a nice cushion in the ol savings account!!!!!!!!