Sunrise in the Florida Keys

Sunrise in the Florida Keys

Wednesday, May 18, 2011

The Cat is Away

and the mouse is playing :)

Al is back in Tampa and I had a real difficult time getting motivated yesterday.  No one to make me feel guilty, I guess.

My friend Carol just got a new Kindle and has been reading like crazy.  She recommended the book, “The Help.”  I ordered it from the library for my Sony eReader, but it was on hold, so I splurged and paid $9.99 from Amazon.    We normally don’t pay for books, since we can download ebooks from the library.  I put the Kindle app on his iPad, so he can read ebooks on his iPad.    I was wondering if we wasted our money on his eReader that be bought a few months ago…before we even thought about getting the iPad.  However, yesterday I sat outside with the eReader in the bright sunshine and I had no glare  and a nice bright, clear screen.  The iPad has such a glare in the sunlight it would not have worked, so I think we’ll still use our eReaders.

I took  Squeaky outside in her cage for some sunshine.  The Vet said sunshine/vitamin D was good for her liver and jaundice problems.  That was my excuse to sit and read for a while and not feel too guilty :)    Our 96 degree temps are history,  and yesterday was actually a little cool because of the lower temps and strong breeze.  I think we’ll be back up to 80 today and then I’m sure it will start to get hot again….darn it.

I got an update from the Realtor on the pending sale of the property.  We’ve never had much land before, so we didn’t realize the requirements were different than if you just own a house on a small lot.  

FHA requires a ratio of 60/40  of house to land value.  In other words the house and any out buildings need to be at least 60% of the total value of the property to qualify for FHA financing.  They think we are close enough that  will go through once we get some foundation work done.  That’s not good enough for me though.

I was concerned the appraiser didn’t do a thorough job and did not consider all of the building we have on the property.  I requested a copy of his appraisal.  I suspected they would not release it (work product), and I was right.  They did give us a breakdown and it appears he undervalued (by a lot) the outbuildings.  We are trying to get that corrected now.    I would rather not be “close” as far as the land to property ratio, so we’re trying to get that looked at again.  The Realtor thinks it’s looking good though anyway because apparently the buyers have strong credit. 

We’re just going with the flow and as bad as we would like to have this over with, truthfully, I don’t see how we could have ever made it happen by the original closing date of May 6th. 

We are starting to think about our options as to where we will go when/if the house closes.  We may go over to Savannah, Georgia.  We’ve seen some good reviews for Skidaway Island State Park.  

Another potential candidate is  Ho Hum Rv Park in Carrabelle, Florida.  It’s right on the Gulf coast and only about 95 miles from here.  They have waterfront campsites, which would be a very nice change.  Hey, maybe we could go there first, then head to Skidaway?  After all, we will be “on the road.”

One thing for sure though…. I’m not making reservations!

10 comments:

  1. Ouch waiting hurts!!Hang in there it will be worth it. Just think God let you see your place one more time during the blooming season.Enjoy it!

    Hugs Cindy and Walker

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  2. the waiting game sometimes is more 'painful' than anything else!..try and have a good day!..sitting outside reading sounds like a great way to spend the morning!!

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  3. We stayed at Ho Hum last November for the first time. Very laid back. You'll enjoy the waterfront-you can kayak. Not much else to do-alot of relaxing/reading in order. I'm sure you'll enjoy it.

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  4. I sure hope things start coming together for you guys soon!!! Those campgrounds really sound nice...Thanks I bookmarked them as future places to go...
    Have fun
    Donna

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  5. PS... Thousand Trails is a GREAT deal for $199. We paid a lot more for it.
    Enjoy
    Donna

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  6. We stayed at both of those parks this winter. Great choices!

    Ask for site #35 at Ho Hum. It is perfect with an unobstructed view of the Gulf of Mexico.

    So glad that you took a little break and read a book. It's important to take time to recharge.

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  7. We have stayed in the Skidaway park and it was a very nice campground. It does have lots of trees but very large sites. We would recommend it.

    We have also stayed in Carrabelle, in Dec 10. We saw the Ho Hum park and was okay, but we stayed at the newer Carrabelle Beach RV resort, which was just across the road from the beach and was very nice with all paved sites. Here is a blog that has some pictures of it. http://goldenshoervtrip.blogspot.com/2010/12/forgotten-coast.html

    There is also a yacht club campground that is truly awful. I would avoid that-it was never actually finished and looked to have a few permanent older campers in it.

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  8. I have been in the "waiting" mode many times in my life. It's no fun and you feel so helpless. The sale process is so different there than in California. Here the buyer would have had a half dozen "inspections" in the early days of the process. Each inspection would cost and each would call out any defects or repairs needed and this could either make or break the sale.

    The appraisal would have nothing to do with work that needed to be done.

    As you say, all you can do is wait and see how it comes together. I hope for you every day.

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  9. I HATE waiting!! My heart goes out to you both. Hang in there!! It seems like there is sooooo much red tape these days.
    Sounds like you have some good plans for when you do hit the road. Both places sound nice!!

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  10. Thanks everyone for all the encouragement and opinions on the two campgrounds we are considering.

    We're really not letting the delays get to us (most of the time) and are trying to go with the flow.

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