A seller backed out after verbally accepting their offer. It led to their dream home in Point Breeze.| How I Bought This House
Casie Girvin and Steve Crino didn't are ultimately happy that their first offer didn't work out.
The buyers: Casie Girvin, 30, performer and voice teacher; Steve Crino, 32, musician
The house: A 984-square-foot rowhouse in Newbold with three bedrooms and one bath, built in 1923.
The price: Listed and purchased for $305,000
The agent: Benjamin Camp, Elfant Wissahickon
The ask: For Casey Girvin and Steve Crino, the home-buying journey began long before they opened Zillow. “We always knew that we wanted to be homeowners,” said Girvin. “It’s something we were saving for a long time.”
Both musicians, they spent years learning what did and did not work for their lifestyles. They started in a one-bedroom, which didn’t work because their practice sessions often overlapped, creating a cacophony of noise. Eventually, they moved into a bi-level apartment where they had room to work.
That experience shaped their home-buying wish list. That meant they needed at least three bedrooms — one for sleeping and two for music studios — and a layout that let two musicians practice without driving each other mad. “We needed it to be either like a bi-level space, or we needed a buffer room between the two of us,” Girvin said.
They also wanted a backyard. “We learned during COVID that having an outdoor space was really important to us,” she added. So was being close to the Broad Street SEPTA line. Fixer-uppers were a non-starter.
The search: The couple intentionally waited until winter to search, hoping for lower prices. They saw 21 houses in Point Breeze and liked a lot of what they saw, but tried to be ruthless when it came to making an offer. “That was a very informative part of the process, Crino said, “because when you’re contemplating actually putting an offer down, your preferences emerge.”
They ended up making only one other offer on a house they nicknamed “the Grandma house” because of its funky carpeting and wallpaper. The seller verbally accepted it but eventually pulled it from the market.
“Ultimately, we’re happy with what happened,” said Girvin.
The appeal: Girvin had a good feeling about the house when she saw it online. “I was like, ‘Wow, that looks exactly like where we want to be, at a price point that was quite exciting,’” she said. Even better, it had central air, beautiful hardwood floors, and matched the couple’s aesthetic. But the couple panicked when they saw an open house the next day. They called their agent and secured a same-day viewing.
Inside, the house aligned almost perfectly with what they had been searching for. What they weren’t expecting, though, were interesting artistic details, like the sunflower etched into the banister and the mural in the backyard. They loved the staircase, the amount of natural light pouring through the living room windows, and the view from their bedroom window of a church they admired. “The house is on a nice, little, cute side street,” Cirsi said. And crucially: “It’s so close to the subway.”
The second floor sealed the deal. The layout was perfect: a bathroom between the two smaller bedrooms. A built-in sound buffer for their future studios. “Most Philly rowhomes, you go up the stairs, it’s like a bathroom right at the top, and then the three bedrooms in a row,” Girvin explained. “But this one has bedroom, bathroom, bedroom, bedroom. That was ultimately one of the main reasons we bought the house.”
The deal: The couple made an offer that evening. They offered the listing price — $305,000. “We felt that the house was worth what it was asking,” Girvin said. The sellers accepted right away.
The inspection revealed two issues. First, the oven needed to be replaced. The sellers issued the couple a credit to buy a new one.
The bigger issue was the HVAC system. The breaker tripped during the inspection. “We watched it go boop,” Crino said. The fix required electrical work, and they insisted it be completed and certified before closing. “That was the right decision because it definitely was pricier than they thought it was going to be,” Crino said.
The money: Girvin and Crino had been saving for almost a decade. Every month, they set aside a portion of their earnings in a separate account. They also had money saved for a wedding that they decided to put toward their house instead. “At one point we thought about having a really big wedding,” Girvin said, “but we decided to do the whole micro wedding, DIY backyard thing.”
Between their life savings and the wedding savings, plus generous gifts from wedding guests, Girvin and Crino had “$80,000-ish” to spend. They put 20% down, which was $61,000, and spent the rest on closing costs, which were $27,000. “That was the $80k right there,” Girvin said. Their mortgage is a little less than $1,800, which is exactly what they had been paying in rent.
The move: The couple moved in mid-March, one month after they closed. “Moving was relatively painless,” Girvin said. “We hired Old City Moving Company, and they were really great.” They navigated getting a giant moving truck down a tiny side street like pros, backing in so that they could get out more easily.
Any reservations? None worth mentioning. The only thing they’d add is a second bathroom — another half bath someday, maybe in the basement. But that feels like a future luxury, not a present problem. “Most days we’re like, I love this house,” Girvin said.
Life after close: Their first major purchase was a new oven. “When people come to the house, I’m like, ‘you know, we bought that oven,’” Crino said, laughing. Decorating has been slow and thoughtful. The most sentimental change is the three-teardrop lamp from Steve’s grandmother, now hanging from their ceiling — something they never would have installed in a rental. The backyard is next.