Stress, what should I do?

FrankC21 · 09-12-2019 10:39pm #1

Hi,

We have everything in place on our side just valuation report, deposit has been paid fully and we expect the keys before Christmas, before we placed a security deposit we were told that the house will be ready end of November.

Back in October, The builder's solicitor gave us the snagging date on the 29th November 2019, one week before that, they cancelled it, as road tarmac and water supply was not in. They gave us another completion date and snagging on the December 11, 2019 - engineer booked and valuation booked, today they cancelled it again and moved it next week December 17, 2019.

Our solicitor said that the drawdown is now impossible this year it will be next year.

I have other plans in life and I can't move to my next plan. My wife and I are both stressed, we have put huge amount of our savings in this.

Are we the only one experiencing this?

Dolbhad · 09-12-2019 10:45pm

Builders always under estimate when a build will be done. In addition they don’t have control on when ESB etc get out there to put in the connections. So you do find it’s 2-3 months later from when they first estimate the house done to when it actually is. And sometimes house is ready but legal paperwork isn’t ready.

Most banks require request funds in this weeks and it’s the cut off. First snag list is usually done by the time funds are requested.

Worse case scenario your in the house in the new year. But you will get into the house. The hard slog is over and just abit more patience is needed. Once your settled in the house, any delays will be forgotten.

FrankC21 · 09-12-2019 10:53pm

Dolbhad wrote: »

Builders always under estimate when a build will be done. In addition they don’t have control on when ESB etc get out there to put in the connections. So you do find it’s 2-3 months later from when they first estimate the house done to when it actually is. And sometimes house is ready but legal paperwork isn’t ready.

Most banks require request funds in this weeks and it’s the cut off. First snag list is usually done by the time funds are requested.

Worse case scenario your in the house in the new year. But you will get into the house. The hard slog is over and just abit more patience is needed. Once your settled in the house, any delays will be forgotten.

Thanks man, I hope it won't take more than 2-3months for the services to be connected because we don't want our letter of offer expire. All our plans are basically frozen at this point we just can't make any major decisions like changing jobs, holidays, until we get the keys.

marieholmfan · 09-12-2019 10:59pm

No you aren't the only people who are experiencing this.
I'm sorry that everything in your life isn't 100% perfect 100% of the time.

FrankC21 wrote: »

Hi,

We have everything in place on our side just valuation report, deposit has been paid fully and we expect the keys before Christmas, before we placed a security deposit we were told that the house will be ready end of November.

Back in October, The builder's solicitor gave us the snagging date on the 29th November 2019, one week before that, they cancelled it, as road tarmac and water supply was not in. They gave us another completion date and snagging on the December 11, 2019 - engineer booked and valuation booked, today they cancelled it again and moved it next week December 17, 2019.

Our solicitor said that the drawdown is now impossible this year it will be next year.

I have other plans in life and I can't move to my next plan. My wife and I are both stressed, we have put huge amount of our savings in this.

Are we the only one experiencing this?

FrankC21 · 09-12-2019 11:04pm

marieholmfan wrote: »

No you aren't the only people who are experiencing this.
I'm sorry that everything in your life isn't 100% perfect 100% of the time.

Thank you, this is what I want to read something that will slap me from dreaming.

_ZeeK_ · 09-12-2019 11:58pm

FrankC21 wrote: »

Hi,
Are we the only one experiencing this?

Nope. Part of the game I'm afraid. It's a long process - hang in there and don't stress.

Corruptedmorals · 10-12-2019 12:36am

Almost 6 months into a sale (not new house). We have no hope of drawing down before the end of the year as we are still waiting on a document before the closing date can be set. The letter of offer will expire. The frustration is unbelievable at such a delay (folio map related) but I know once we're in it won't matter. Unfortunately your timing was always a bit tight coming up to year end as there are always minor delays pushing it out but delaying to beginning of 2020 is not bad at all and honestly I would kill for only 6ish weeks of projected delay in timeline.

marieholmfan · 10-12-2019 10:44am

[QUOTE=Dolbhad;111979665]Builders always under estimate when a build will be done. In addition they don’t have control on when ESB etc get out there to put in the connections. So you do find it’s 2-3 months later from when they first estimate the house done to when it actually is. And sometimes house is ready but legal paperwork isn’t ready.

Most banks require request funds in this weeks and it’s the cut off. First snag list is usually done by the time funds are requested.

Worse case scenario your in the house in the new year. But you will get into the house. The hard slog is over and just abit more patience is needed. Once your settled in the house, any delays will be forgotten.[/QUOTE]

And then after it's wired up it has to be painted and tiled.

And then it's Christmas.
And then the fancy new heating system isn't right and your surveyor says don't move it till he fixes it - but the main plumbers mother is in hospital and the Polish plumber (who's actually the one you want to do that job or so you're told isn't around because his daughter decided to get married back in Poland even though she came here when she was nine and has no intention of ever living in Poland).

But then it all gets sorted and you move in.
You'll get there lads and lasses.

SozBbz · 10-12-2019 11:15am

OP, a house sale going through on time (new or 2nd hand) is the exception rather than the rule.

You hear the odd post here about people getting it done in 6-8 weeks but I'd estimate that in 90% of sales, delays occur.

The reasons are many and varied, but TBH your post just reads as naive.

I'd love if the system was better/quicker but its not, and you'll be less stressed if you just remember that.

Talk to your lender, I'm sure there will be no issue extending your loan given the circumstances. I appreciate you may want to do other things once sale is complete but there will be plenty of time. Buying a house means that you need to stick to the status quo for the duration, and I'd always expect that to be anything up to a year between first applying for a mortgage, house hunting, going sale agreed and then 4-6 months to close.

FrankC21 · 16-12-2019 10:30pm

Ok i just want to let my frustration out, tomorrow 17th December was the new snagging date and I only found out today that it will not go ahead due to the water connection, if I haven't called the foreman I would have wasted my time, 3 times they cancelled it I booked the engineer and valuation team and I asked for a day off work. Now they are telling me this that the irish water cannot commit to a day, they should have been open to me much sooner.

riclad · 16-12-2019 11:06pm

You are buying a new house, it needs water, esb connection,s plus there will always be delays at christmas, most trades take a week off on dec 23rd,
, they come back in the 1st week of january .there should be no reason to be stressed .
builders need to snag the building.
they need power to do certain jobs.
builders usually have delays, carpentors ,plumbers may be there at different time,s .
expect delays with builders .
You will probably live there 20 years, a week or 2 delay is not a big deal.
It,s simpler buying a old house, as there,s water and power connected already.
And you dont need to deal with builder,s .

FrankC21 · 17-12-2019 1:12pm

riclad wrote: »

You are buying a new house, it needs water, esb connection,s plus there will always be delays at christmas, most trades take a week off on dec 23rd,
, they come back in the 1st week of january .there should be no reason to be stressed .
builders need to snag the building.
they need power to do certain jobs.
builders usually have delays, carpentors ,plumbers may be there at different time,s .
expect delays with builders .
You will probably live there 20 years, a week or 2 delay is not a big deal.
It,s simpler buying a old house, as there,s water and power connected already.
And you dont need to deal with builder,s .

My point here is that, they should have been honest with us, they rescheduled it three times now, they should have straight away told us we can't do the snagging before Christmas because the water can't guarantee a date full stop instead of floating around. It is not easy, i have work and I can't just call in a day off and then cancel it. For **** sake.

Gumbo · 17-12-2019 2:44pm

FrankC21 wrote: »

Ok i just want to let my frustration out, tomorrow 17th December was the new snagging date and I only found out today that it will not go ahead due to the water connection, if I haven't called the foreman I would have wasted my time, 3 times they cancelled it I booked the engineer and valuation team and I asked for a day off work. Now they are telling me this that the irish water cannot commit to a day, they should have been open to me much sooner.

FrankC21 wrote: »

My point here is that, they should have been honest with us, they rescheduled it three times now, they should have straight away told us we can't do the snagging before Christmas because the water can't guarantee a date full stop instead of floating around. It is not easy, i have work and I can't just call in a day off and then cancel it. For **** sake.

The contractor is most likely getting the same delay responces from Irish Water.
Currently, Irish Water is a major delay in new connections.
Either way, you would not have been in for Christmas so try not stress.

Claw Hammer · 17-12-2019 4:38pm

FrankC21 wrote: »

My point here is that, they should have been honest with us, they rescheduled it three times now, they should have straight away told us we can't do the snagging before Christmas because the water can't guarantee a date full stop instead of floating around. It is not easy, i have work and I can't just call in a day off and then cancel it. For **** sake.

A builder? Honest!

StoptheClocks · 17-12-2019 9:35pm

I'm on my 5th Snag. Down to a handful of small items and one major problem in the bathroom. I've had to drawdown my mortgage.I had to get it extended and that date has now expired. I was supposed to get called back today but wasn't. I'm hoping that this is due to them working on the problem in the bathroom but he's probably not bothered to ring me. I think he's just hoping I take the house before xmas without him finishing it. He has it in the contract that I have to close on the house 28 days after the completion, with him fixing problems within reason. That date is approaching.
Very stressful going back to see things not done.

FrankC21 · 19-12-2019 5:52pm

StoptheClocks wrote: »

I'm on my 5th Snag. Down to a handful of small items and one major problem in the bathroom. I've had to drawdown my mortgage.I had to get it extended and that date has now expired. I was supposed to get called back today but wasn't. I'm hoping that this is due to them working on the problem in the bathroom but he's probably not bothered to ring me. I think he's just hoping I take the house before xmas without him finishing it. He has it in the contract that I have to close on the house 28 days after the completion, with him fixing problems within reason. That date is approaching.
Very stressful going back to see things not done.

Fifth snag? In our contract we have 14 days to close the sale after given the completion date. The gave us 6 months on our letter of offer, does it mean we have to drawdown before that?

StoptheClocks · 19-12-2019 9:32pm

That is standard in contracts now. I had 28 days to complete (counting 14 days builder holidays at xmas). I completed today, I should get the keys tomorrow. You have 14 days to complete, but he has to fix anything within reason.
I got a professional snagger. €250 for first snag, €125 for revisit.
Snag 1 = 75 items + the kitchen wasn't finished and the gas wasn't connected.
snag 2 = 20 items.
snag 3 less than 10
Snag 4 the mrs came and found new problems.
Snag 5 = 3 items left
snag 6 = I had enough, I wasn't happy with the finish on a few things but decided I'll live with it.

My mortgage expired. I had a contact at the bank that I kept updated. They expended my mortgage by a month. You can drawdown your mortgage if the house has a completion certificate.

gandalf · 21-12-2019 12:10am

Yep its stressful towards the end. We closed yesterday. The original date given by the builder was August/September, we expected it to be November but it crawled along. Irish Water weren't the issue for us the ESB were. Then it was a delay with the homebond cert. Then our bank decided to throw a spanner in the works when we were expected to close last week, cue three days of complete and utter stress as we waited with hope to close before Christmas. Because of the delay we won't get some of the flooring in before Christmas and we probably won't get the appliances in either until the new year but at least we're in.

All I can say is hang in there, having come out the other side I can confirm its the most stress I have ever felt and the most stress me and the missus have been under in our relationship. All we want to do is sleep after this. Good luck and remember you are nearly there.

FrankC21 · 03-01-2020 11:36am

I want to change my current job, and there is another job that will pay me higher and less stress than my current one. If I change job now before drawdown will that affect our mortgage application and will the bank ask for another statements, really hate my current job at the moment it is just ****ing toxic people at work and I feel like a trap ****ing prisoner dealing with gob****e at work, each time I go to work I just can't bare the thought of spending the rest of my day with these people.

guy101 · 03-01-2020 11:49am

FrankC21 wrote: »

I want to change my current job, and there is another job that will pay me higher and less stress than my current one. If I change job now before drawdown will that affect our mortgage application and will the bank ask for another statements, really hate my current job at the moment it is just ****ing toxic people at work and I feel like a trap ****ing prisoner dealing with gob****e at work, each time I go to work I just can't bare the thought of spending the rest of my day with these people.

Im in the exact same boat as you. Cant wait to leave my job!!
You’re much further along than me.

You have to maintain the status quo until drawdown (from what I’ve read).
You’d likely be on probation in a new job. So you’d have to wait 6 months or until the probation period is finished before reapplying.

FrankC21 · 03-01-2020 3:40pm

guy101 wrote: »

Im in the exact same boat as you. Cant wait to leave my job!!
You’re much further along than me.

You have to maintain the status quo until drawdown (from what I’ve read).
You’d likely be on probation in a new job. So you’d have to wait 6 months or until the probation period is finished before reapplying.

FFS, i guess it is what they say, things will get worse before they get better.

Dolbhad · 03-01-2020 3:42pm

FrankC21 wrote: »

I want to change my current job, and there is another job that will pay me higher and less stress than my current one. If I change job now before drawdown will that affect our mortgage application and will the bank ask for another statements, really hate my current job at the moment it is just ****ing toxic people at work and I feel like a trap ****ing prisoner dealing with gob****e at work, each time I go to work I just can't bare the thought of spending the rest of my day with these people.

You have to stay in your current role until drawn down. The bank can look for updated documents at any stage and if they see a job change, they won’t release funds. Also technically by agreeing to the loan offer you agree to inform them of any changes in your financial circumstances.

L-M · 04-01-2020 12:02am

FrankC21 wrote: »

FFS, i guess it is what they say, things will get worse before they get better.

I knew someone in the exact same position. They got their keys at 3 and walked out of the job at 4.

You’re not far off, it’ll be worth the wait in the end. No point messing it up now as if you had to re apply and wait 6 months etc etc the whole landscape could have changed

Humour Me · 04-01-2020 2:57pm

Apply for the job anyway, if you get it and still haven’t drawn down, just let them know that you have to work a notice period with your current employer. Once you have the snagging done, things can move quite quickly, it would be a pity to lose out on a better job due to timing issues.

FrankC21 · 09-01-2020 12:42pm

Hi Guys,

So we were told today by the builders that the water will be connected next Wednesday and that snagging we can do the snagging on the 16th of January. At this stage, after cancelling it 4 times already, we don't want to get our hopes up, we don't know what to believe really?

And, I am confused, the bank sent out the valuation guy and did the valuation report before the holidays on the 19th of December, even though I rang the valuation office to hold it off, as the builders cancelled the snagging, I don't understand how?, we did not do any snagging yet and we were told that electricity and water was not connected but on the valuation report everything was working and the bank approved it.

Salary Negotiator · 09-01-2020 12:46pm

FrankC21 wrote: »

Hi Guys,

So we were told today by the builders that the water will be connected next Wednesday and that snagging we can do the snagging on the 16th of January. At this stage, after cancelling it 4 times already, we don't want to get our hopes up, we don't know what to believe really?

And, I am confused, the bank sent out the valuation guy and did the valuation report before the holidays on the 19th of December, even though I rang the valuation office to hold it off, as the builders cancelled the snagging, I don't understand how?, we did not do any snagging yet and we were told that electricity and water was not connected but on the valuation report everything was working and the bank approved it.

Valuations on a new build are often a box ticking exercise.

I was mortgage approved with UB and they sent a valuer out to value the house (which at the time was behind fencing and not accessible) who just phoned me and asked how much I had bought the house for.

I asked the builder if he had heard from the valuer and he hadn't.

StoptheClocks · 10-01-2020 6:34pm

I was told that some valuers only looked at the show house in the estate that I bought in. Box ticked.

riclad · 10-01-2020 10:40pm

It,s simple the purpose of a bank survey,valuation is to make sure theres no major physical problems with the house,
eg the house is at Least worth the mortgage amount.
They just walk around the house and look in all the room,s and the garden.
the surveyor will just presume the water and esb will be connected up
soon, at least in the case of a new build house.
it,s a formality .the good news is the bank approved it.

FrankC21 · 14-01-2020 3:59pm

Hi guys,

So this is the situation at the moment, We received an email from the estate agent that the water supply will be connected this Wednesday, tomorrow, and we can do the snagging thursday 16th January.

I informed our solicitor about the email, he advised us to wait for the builder's solicitor to confirm the snagging date, because they cancelled it 4 times already.

However, I spoke with the engineer that will do the snagging for us, she stated that we don't have to confirm the snagging through the builder's solicitor - i know she want to get paid as well.

She spoke with the foreman to find out what was the delay about and she explained to me that before the Christmas holidays the water board have detected a contamination with the water supply coming through the pipes that is why they had to close the connection, the water board said the pipes were old but the foreman argued that the pipes were newly installed.

Now the water board is going to open the connection this Wednesday and test the water. The engineer want us to do the snagging because she believes that the house is already complete and there will be no trouble to do the snagging.

Part of me want to do the snagging just to get started and find what faults there are and rectify it immediately. However, another part of me is saying to wait until we get a reply from our solicitor.

What you guys think? Should we go ahead and do the snag anyway I want to see the house and find faults as soon as possible this is dragging long enough.

Salary Negotiator · 14-01-2020 4:11pm

I’d go ahead, sure what’s the snagger going to check wrt the water? That it’s running. Nothing else.

Gumbo · 14-01-2020 4:33pm

House needs water supply so the snagger can turn on all taps, turn on showers etc and make sure all working and no leaks anywhere.

FrankC21 · 14-01-2020 8:41pm

Well, everyone's trying to contact the foreman and could not get through, straight to voicemail, I am having doubts if the water will get connected tomorrow.

FrankC21 · 14-01-2020 8:49pm

My thoughts are that, if we wait until the builders gave us a definite date for snagging, that could take another week or two and it's gonna be fcking February and after the first snagging we don't know how long were gonna wait until they rectify the faults and then wait couple more again to finalize the documents for the drawdown. Our letter of offer is gonna be due in March and I feel like the current house we are sharing with want us out sooner.

StoptheClocks · 14-01-2020 9:39pm

Something similar happened to me. The kitchen wasn't finished and the gas wasn't connected. I got a snag list of 75 other things for the builder to work on. We checked the gas and kitchen on the follow up snag 2 weeks later.
When the water is connected, you need to check the pressure on all the taps. There was no pressure on my upstairs bathroom.
If the engineer is right and the pipes need replaced, it's not worth snagging.

Fia11 · 14-01-2020 9:45pm

Do the first snag! We ended up doing 4 snags. Get the first one done, even if there is no water you can highlight and report everything else and get them moving on ticking off the list. Every little bit of progress gets you closer to keys. We've been in our new build a month now and all of the stress and delays and b****x seem like months upon months ago now. You'll get there soon.

FrankC21 · 14-01-2020 10:38pm

Fia11 wrote: »

Do the first snag! We ended up doing 4 snags. Get the first one done, even if there is no water you can highlight and report everything else and get them moving on ticking off the list. Every little bit of progress gets you closer to keys. We've been in our new build a month now and all of the stress and delays and b****x seem like months upon months ago now. You'll get there soon.

Yes, that's exactly what I am thinking, we can get the list ticked off while waiting for the water.

The only downside is that we will spend more on our snag.

Questions:

*the contract states that we have 14 days to close after completion, when does it start?

*when do you receive the completion certificate?

StoptheClocks · 15-01-2020 12:22am

You will find the completion certificate on here.
https://www.localgov.ie/en/bcms

It can be difficult to find.

FrankC21 · 15-01-2020 10:26am

StoptheClocks wrote: »

You will find the completion certificate on here.
https://www.localgov.ie/en/bcms

It can be difficult to find.

I found the entire estate, but under certificate of compliance on completion our house number and address is not listed.

Fia11 · 15-01-2020 2:27pm

FrankC21 wrote: »

Yes, that's exactly what I am thinking, we can get the list ticked off while waiting for the water.

The only downside is that we will spend more on our snag.

Questions:

*the contract states that we have 14 days to close after completion, when does it start?

*when do you receive the completion certificate?

We paid for a surveyor to come for the first snag, after that we followed up ourselves. If you wanted the surveyor/engineer to do the second snag they usually do it at a reduced rate.

StoptheClocks · 15-01-2020 10:18pm

FrankC21 wrote: »

I found the entire estate, but under certificate of compliance on completion our house number and address is not listed.

That is how my estate is. They were added in blocks of 4. Check that list you'll, see different dates as they add them. Your house will eventually be at the bottom. Bookmark it at or save the link. Check it everyday. That is what I did.

FrankC21 · 15-01-2020 10:44pm

StoptheClocks wrote: »

That is how my estate is. They were added in blocks of 4. Check that list you'll, see different dates as they add them. Your house will eventually be at the bottom. Bookmark it at or save the link. Check it everyday. That is what I did.

What does it mean? You mean even though snagging has not been done it will be marked as complete.

It is called Phase 5 development 1-14, ours is 14 but under Certificate of Compliance on Completion 8, 9, 10, 12 is listed and Total Units on this CC:
7

FrankC21 · 15-01-2020 10:52pm

Tomorrow we are going up to do the snagging, we rang the foreman today numerous voicemail and text but no answer from him. They sent us an email that snagging is on the 16th. Anyway, we decided that will go up there with our engineer to snag.

StoptheClocks · 16-01-2020 1:03am

I believe, you have 14 days to complete the sale, from the date the house gets a completion certificate. You don't have one yet. That gives you more time. Your number should be listed if it's signed off. Looks like someone hasn't signed off.

I know that there was a delay in my estate because the architect didn't sign off at the beginning.
The developer wants the money for the property. He wants to get the snagging done too.

FrankC21 · 16-01-2020 7:10pm

Update guys,

We went up there and did the snagging.

Surprise surprise the foreman weren't there to give us complimentary champagne. Fortunately, our snagger persisted to get it done today, she fought for us today. One of the builders got us in, hurray! This is the first time ever that we saw the house.

Couple of points:

*The house was cordoned with temporary wire fence, there was a hole outside the driveway, where looks to me they've just put in a new pipe.

*Guess what!? The house next door to us looks occupied, I see furniture through the window, a teddy bear on the window upstairs and three panda bins with the green bin out for collection. How the f*ck?? Semi-detached i am no. 14 and 13 next door. Our house is at the corner and the first one built, I specifically choose the location because I know that it will be built first but wtf?

We asked the builder about it, he said, it's only the owner's things they're not there yet. OK

*NO electricity and NO water supply. They told us water connected yesterday.

* Going inside the house, wires hanging out.

*Unfinished patches of paint work and untidy rooms, floors not levelled, etc, anyway our snagger told us this is typical with new build houses.

*Toilets looks to me somebody already urinated on it, pissed spot around the seat. Glad to know they test it.

*And the Back Garden, looks like a trekking trail, the snagger told us builders can't work on it until the weather gets better and drier.

*At the end, the Snagger told us the follow up snag should have the previous list been dealt with, electricity and water supply connected. And the elusive foreman she calls him, should be there.

*At this point I don't know when will be the next snag and how far are we to close? She mentioned about the back garden we could wait for a month because of the weather. Is there such thing as partially closing the deal? Because what if we need to move house soon.

Wildly Boaring · 16-01-2020 7:15pm

You don't own it yet.

Take a breath

Of course a builder used the toilet. You think painters don't piss?

If it only got water then yep thats prob a hole in the ground.

Houses don't magic out of thin air.

Just insist on it being clean as part of the snag list.

Don't pay till they close snag list. If you're obviously in a hurry to get in they may use that against you to skip half of it.

Enjoy, you'll be in soon.

FrankC21 · 16-01-2020 10:10pm

Wildly Boaring wrote: »

You don't own it yet.

Take a breath

Of course a builder used the toilet. You think painters don't piss?

If it only got water then yep thats prob a hole in the ground.

Houses don't magic out of thin air.

Just insist on it being clean as part of the snag list.

Don't pay till they close snag list. If you're obviously in a hurry to get in they may use that against you to skip half of it.

Enjoy, you'll be in soon.

I understand, but money does not grow on trees either, I worked my ass off and did a lot of overtime mostly ended up in tax, just to get the deposit and pay for legal fees.

Wildly Boaring · 16-01-2020 10:18pm

This is your once in a life purchase.

He's completed hundreds and if he got stressed about them all he'd end in an early grave.

Until you get the keys he can and will make a mess of the place. Like the watermain connection. Needs to dig a hole 3 foot deep and probably no canteen or toilet nearby, the workers will use the house.

Just as I said above don't fall into the trap of forgoing snag being sorted to get yourself in.

There are 4 houses in our row. Finished same time. Our snags closed prior to our payment. meant an extra week before moving in. No 3 same.

No 2 and 4 in since November and have a load of stuff outstanding. They rushed to him get in and the builder used it to his advantage. Theres a broken window I reckon might never get sorted!!

FrankC21 · 24-01-2020 11:37pm

Look man I am just staying calm as possible while waiting for the keys. I am staying with my in-laws at the moment since May of last year and it's a 2 bedroom apartment and there are 5 people, my wife and I sleep in the living room floor. Can you blame me if I am f*****g stressed and anxious to move in.

FrankC21 · 24-01-2020 11:42pm

Well the "next snag" supposed to be next monday but yet again they cancelled it for some reason I don't even know, from what I gather there are other people that will do the snag before us, that's nice even though our house was built first.

Stress, what should I do?

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