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	<title>skeltoac &#187; land</title>
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	<link>http://skeltoac.com</link>
	<description>First name: Andy. Last name: Skelton.</description>
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		<title>Good for a laugh in the morning</title>
		<link>http://skeltoac.com/2007/10/01/good-for-a-laugh-in-the-morning/</link>
		<comments>http://skeltoac.com/2007/10/01/good-for-a-laugh-in-the-morning/#comments</comments>
		<pubDate>Tue, 02 Oct 2007 05:19:14 +0000</pubDate>
		<dc:creator>Andy Skelton</dc:creator>
				<category><![CDATA[Creamy Filling]]></category>
		<category><![CDATA[Masonry]]></category>
		<category><![CDATA[exercise]]></category>
		<category><![CDATA[land]]></category>
		<category><![CDATA[lawnmower]]></category>

		<guid isPermaLink="false">http://skeltoac.com/2007/10/01/good-for-a-laugh-in-the-morning/</guid>
		<description><![CDATA[I bought a brand-new, old-fashioned, man-powered, arm-numbing, sweat-breaking lawn mower today. No fuel, no plug, pure fun. The blades don&#8217;t chop down the taller stuff so it&#8217;s a good thing that I also bought a trimmer. I mowed until it &#8230; <a href="http://skeltoac.com/2007/10/01/good-for-a-laugh-in-the-morning/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>I bought a brand-new, old-fashioned, man-powered, arm-numbing, sweat-breaking lawn mower today. No fuel, no plug, pure fun. The blades don&#8217;t chop down the taller stuff so it&#8217;s a good thing that I also bought a trimmer. I mowed until it was dark so I don&#8217;t know how bad it looks but I&#8217;m sure it&#8217;s not good. I knew better than to mow the lawn after dark but I was having too much fun to quit. Every step made me appreciate that square foot of land.</p>
<p>&#8220;You ain&#8217;t no kind of man if you ain&#8217;t got land.&#8221; (Who said that?)</p>
<p>I&#8217;m sure the exhilaration of lawn mowing will wear off tomorrow morning when I try to finish the job and find my arms too heavy to lift.</p>
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		<slash:comments>6</slash:comments>
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		<title>Buying my first house</title>
		<link>http://skeltoac.com/2007/09/28/buying-my-first-house/</link>
		<comments>http://skeltoac.com/2007/09/28/buying-my-first-house/#comments</comments>
		<pubDate>Fri, 28 Sep 2007 20:50:44 +0000</pubDate>
		<dc:creator>Andy Skelton</dc:creator>
				<category><![CDATA[Adhesive]]></category>
		<category><![CDATA[Bongos]]></category>
		<category><![CDATA[Creamy Filling]]></category>
		<category><![CDATA[apartment]]></category>
		<category><![CDATA[Austin]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[house]]></category>
		<category><![CDATA[land]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Realtor]]></category>

		<guid isPermaLink="false">http://skeltoac.com/2007/09/28/buying-my-first-house/</guid>
		<description><![CDATA[Three weeks ago today, I got another one of those &#8220;Stop renting! Buy a house!&#8221; brochures in my apartment mailbox. I had already put in my 60-day moveout notice with the apartment complex and I had to be out by &#8230; <a href="http://skeltoac.com/2007/09/28/buying-my-first-house/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Three weeks ago today, I got another one of those &#8220;Stop renting! Buy a house!&#8221; brochures in my apartment mailbox. I had already put in my 60-day moveout notice with the apartment complex and I had to be out by the end of the month. Looking for an apartment made my skin crawl. I knew I wanted to stop renting but I had a pile of reasons to put off the purchase of a home.</p>
<ul>
<li>No cash for a down payment</li>
<li>Credit score below average</li>
<li>No knowledge of the market</li>
<li>No idea where to start</li>
</ul>
<p>That brochure gave me a place to start. It wasn&#8217;t a great place (a builder&#8217;s website) but it got me interested and it gave me some hope.</p>
<p>What I did next was to start looking for a Realtor. There are way too many real estate agents in the world and I have known way too many flaky ones to expect to find a good agent at random. I looked at the online Realtor directory for Austin and it didn&#8217;t set any of them apart. I needed help.</p>
<p>Working on WordPress.com, I had seen a lot of real estate blogs built for SEO purposes, so I never expected a real estate blog to be of any help and I didn&#8217;t want to search for &#8220;best real estate agent in Austin&#8221; on Google.</p>
<p>Instead, I turned to the real estate forums on Craigslist. Somebody had posted a link and disclaimed affiliation. It looked like a WordPress permalink. I clicked. I read. I agreed. I emailed. I had found my <a href="http://www.crosslandteam.com/blog/">best real estate agent in Austin</a> and he was a real estate blogger.</p>
<p>What made my agent stick out from the crowd was not the fact that his blog was powered by WordPress. His articles were a showcase for his attitudes and opinions, his professional strengths, and general intelligence. These are things you can&#8217;t learn from a Realtor.com profile page or a recommendation from a third party. They must be demonstrated. It&#8217;s not as good as meeting in person, but a blog is better than any other online system for feeling these things out.</p>
<p>I knew I wasn&#8217;t buying my dream home. I didn&#8217;t even want a house that I wanted. I wanted a house that would pay off. This was to be my first &#8220;portfolio&#8221; property and the fact that I would occupy the house was incidental. The point was to make a good investment. Thus I wanted an agent who could help me find a good investment and not try to find a home to match my personal tastes. I had had found an team of Realtors who are also investors. They own a handful of rental properties and they have a lot of experience with property management.</p>
<p>So I got a pre-approval letter from a lender and we went out for a few hours over two days and looked at houses. I picked <a href="http://flickr.com/photos/skeltoac/sets/72157601976456136/">a house</a> on the second day and we started the race to close. I set the target date for the 28th, which was exactly three weeks from the day I got the brochure and two days before I had to vacate my apartment.</p>
<p>The entire process went off without any major hitches. I chose a house listed at about 90% of my pre-approval amount and made an offer. The seller countered and then accepted my second offer. My parents generously kicked in the 3% down payment on my FHA loan. We closed the deal on the 26th, giving me two extra days to move and a whole lot less to worry about this weekend. I called the utilities and except for a day without internet, the transition has gone quite smoothly. The moving company was able to schedule an appointment within two days of my call and they performed brilliantly.</p>
<p>I want to thank everyone who helped make this transaction happen in under three weeks:</p>
<ul>
<li><a href="http://www.crosslandteam.com/">Steve and Sylvia Crossland, my Realtors</a></li>
<li><a href="http://www.vlender.com/t/thenelmsteam/">Tommy Nelms, Land Morgage</a></li>
<li><a href="http://www.gracytitle.com/">Gracy Title</a></li>
<li><a href="http://www.twomenandatruck.com/">Two Men and a Truck</a></li>
</ul>
<p>Having a blogging Realtor may not be for everyone. It was definitely for me. Just after I wrote this article, I checked Steve&#8217;s blog and found <a href="http://crosslandteam.com/blog/2007/09/28/why-every-realtor-should-consider-blogging/">a shorter version of my story</a>. I wish him and his wife continued success.</p>
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