Two Words.........HOLY CRAP!!!!!

where to begin...Sam and I went to look at houses with Julie our realtor on Saturday, we were really excited to finally be able to see some of these in person. It's amazing what you learn when you first go looking, the first thing is pictures can be very deceiving, Most of the houses that looked so amazing in the pictures were not so much in person. After looking at a couple different ones that just didn't suit us we went to one in a very nice community called Kingsgate, Julie was very high on the neighborhood even telling us she had sold a couple homes there already. We drove up to the listing (which had literally just been put on the market like two days before) and from the outside it already looked amazing nice little front porch and great landscaping. The inside was even better the layout was perfect with a formal living room right off the entryway and then a formal dinning room with a nice columned archway separating them, then into the large kitchen with breakfast area and all hardwood throughout. The 2 story great room with gas fireplace was very nice sized and we loved that the stairs where hidden on the back. Upstairs had the 2 extra bedrooms which were very nice and the guest bath which included a double vanity. Then the master which was big and the master bath was amazing huge double vanity, jetted garden tub and separate shower and all tile floor, The walk in closet was huge and plenty big enough for all our clothes and such. the backyard was big and well landscaped...pretty much the house was perfect we really wouldn't have to change a thing except update the appliances in the kitchen and maybe the counter tops as well. After that we looked at others and nothing else even came close to this one (to check it out click herehttp://www.visualtour.com/show.asp?T=1458627&prt=10003) There was another neighborhood called Belmont Trace that had a few listings that we were really excited about but after looking at them all that was good was the outside of them, the insides were layed out really badly and they hard no yards to speak of at all. So we got done feeling a little disappointed that we didn't find more we liked, but Julie thought it was pretty normal and was glad that we were they types that knew exactly what we wanted. After getting home and kind of debriefing each other we started to like the Kingsgate listing more and more, so we emailed Julie to let her know that we were really interested in it and were afraid of losing if we waited because it was so nice. So I went off to work and Julie and Sam talked that night about it and Julie seemed to think if we really truly liked it we should jump on it. She pulled the comps for us and it was priced right around them at 19500, the average selling price is 193000 in the neighborhood and this one has a ton of upgrades. So after losing some sleep over the excitement of it we talked to Julie on Sunday, after talking with her we decided to go ahead and make an offer on it we decided to offer 190,00 and ask them to pay the closing costs. So she got the offer ready and emailed it off to us, we were kind of playing beat the clock a little because Julie had to be somewhere at 1:00 so we got the offer looked it over talked with her again about a few questions and after we felt good about it we signed and then faxed it over to the selling agent. Now we are playing the waiting game to see what happens from here, Julie said that after talking to the agent the couple is apparently relocating to Tampa, and they really want to stay close to the asking price, so we most likely get a counter offer if they comeback somewhere in between with them paying the closing costs I think we will jump on it. We also talked to Marcia who is going to handle are loan for us, She also loved the house and ran some numbers for us, We were prepared to put 15k down but after talking with her it may be better to only put 10 down and use the other 5 to maybe upgrade the appliances, Since we aren't putting a huge down payment we would have to pay PMI which is an insurance for the mortgage company that basically protects them, but since we have such good credit we would qualify for a program where they actually pay the PMI for us, our interest rate would actually be a little higher but our overall payment would be less, so that is the option we are looking at. It is so insane to think that in a few days we may actually be homeowners, it is such a huge step but it is exciting, I cant believe how fast the process seemed to move but it is such a good opportunity we didn't want to miss out. Look for more to come soon......