Next week we are closing on our first house! We’ve been talking about becoming first time home owners since the end of last year, but we had assumed it would be a condo or townhome in Chicago. This vision was completely changed in the spring; the global pandemic hit, we were both working from home all the time, and it seemed like working remotely would be possible indefinitely.
I’ve lived in Chicago since October 2011 and hadn’t really considered leaving. I thought maybe if I got married and had a couple kids that moving to Evanston or Oak Park would make sense, but wouldn’t have dreamed of moving beyond that. But then COVID-19 happened. Suddenly, it was impossible to take advantage of all the reasons I loved living in the city. Even the lakefront path (which was practically my front yard) was closed. I started to realize how CROWDED it was downtown! Plus, I knew we could afford a bigger, nicer place outside of the city. With no access to nature, a small apartment, and anxiety over being far from my family, I started to reconsider Chicago.
Mike and I made a “decision making matrix” in Excel because of course. We included attributes important to both of us in deciding where to live and weighted them accordingly. Things like access to nature, proximity to family and friends, a 2 hour radius of a major airport, and cost of living were all included. The numbers didn’t lie, and the St. Joseph/Stevensville area in Southwest Michigan came out on top, far above Chicago, and even far above Evanston and Oak Park. We’d also researched Denver and Pittsburgh, but Denver was too far from friends and family (besides Brooke and Andrew!) and while Pittsburgh has extended family it would have left us at least an 8 hour drive from all of our friends.
Once we felt safe enough to leave the apartment bubble and visit my parents in Sawyer, we started looking at real estate listings (end of June) and found an agent, Doug (who I’d highly recommend!). We got pre-approved for a mortgage amount that could get us a nice entire house with a yard and garage, rather than the nice, small-ish condo I’d been anticipating. The first few houses we saw were nothing special; too small, too old, too much required work. We started to realize what we wanted and what was less important to us. We made another decision making matrix for homes! We knew we needed enough space for us to each have our own office room, at least 2 bathrooms, room for guests, a garage, a good sized backyard, and we didn’t want to be too far “out in the country”. Then houses started to fly off the market within hours.
I went to see a house in St. Joseph with my dad at the end of July (Mike was back in Chicago) that had been on the market for less than 24 hours. It was in a great neighborhood, and was a very well kept, small brick ranch with a BEAUTIFUL backyard. The sellers must have been retired and taken up gardening as their hobby. The kitchen had recently been updated and the house was move in ready. It was listed well below our budget, but of course I assumed we should negotiate. I talked to Mike and we agreed to make an offer that day since houses were going under contract so quickly. I told Doug that we’d go in a couple thousand under asking and he said that sounded like a good offer and he’d send over the paperwork later. As soon as I got back to my parents’ house, I got a call from Doug. “I called the listing agent to let me know you’d be making an offer and he said there are multiples, so you may want to go in at asking price or slightly above.” Ok, I thought, that’s not a big deal, we can easily afford this house. I confirmed a slightly higher price with Mike and then got another call from Doug. “So the listing agent just called me back…one of those offers was $40,000 over asking…” WHAT!? This house was very nice but it was not worth that much! Doug agreed and said the buyers must have been planning to forgo an appraisal, which meant they were likely paying cash. This had been happening more and more as people from the city and suburbs were moving to SW Michigan “en masse” due to the pandemic.
My mom always says that everything happens for a reason, so I figured this house must not have been meant for us. And I was right! A few days later Doug said he had a listing from his neighbors that wasn’t on the market yet, and did we want to see it early? The sellers had just had a baby and were relocating out of state for work so they were eager to avoid a lengthy selling process of multiple showings. Doug sent the pictures over and Mike and I got very excited. The house had great curb appeal, was just a few minutes south of the neighborhood of the other house we’d liked, had a great backyard and didn’t need a ton of work. It had plenty of room for us both to have our own home office spaces, as well as guest rooms for our friends that we hope will visit us often. And on top of all that, it seemed priced right!
We made an offer the day after seeing it, at asking price. Even though we knew no one else had seen the house yet, we knew the sellers were aware of how competitive the market had been getting so we were hoping a strong offer would help us avoid negotiating and get everything buttoned up. Our offer was accepted! Unfortunately the sellers wouldn’t be moving out until October and they still had to find a house in their new state. We waited to nail down an official closing date while we started to pack up the apartment. Our landlord wouldn’t extend our lease just ONE MORE MONTH so we got a storage unit, moved the whole apartment into it and moved in (temporarily!) with my parents in Sawyer.