
Well, it took 37 years, a lot of cussing and screaming, stress and tears, but we are finally homeowners!!!
Buying your first house (or any house) is supposed to be a fun process. You know, looking at different houses, realizing what you want and what you are willing to compromise on. Seeing weird floor plans and trying to figure out what you would do different. Writing a contract and the anticipation of getting a good deal. Signing closing documents and drinking champagne in an empty living room! What a bunch of crap!
Buying a house in this new economy SUCKS!!! It was probably the worst experience of our lives. The underwriters (the elusive ghost people that get to decide whether or not you are worthy enough to be granted a loan) are asking for everything short of DNA and your first born. We had to jump through our assholes to get proof of EVERYTHING! I mean it was absolutely ridiculous! I won't bore you with the gory details but to say the least, they turned me into a screaming banshee that cussed out every person involved. My poor lender, who was working his butt off for us, got the brunt of it. He was cussed out probably 2-3 times a day by the end of this process. I used words that would make a sailor blush.
We went under contract on September 11th (should have been a sign). The financing deadline was September 30th (mom and Eric's Bday) and we were supposed to close on October 27th. But because of the stupid underwriters and their bullshit, the financing didn't get finished until the 27th (closing) so we couldn't close until our anniversary (the 28th). And because we didn't know if they were going to give us the loan until the very last minute, we couldn't pack or plan to transfer utilities or anything. And to top it off, our landlord at our current house put it up for sale and they were showing it almost daily. AAAAGGGGGHHHH!!!!!
Anyway, some things are worth fighting for. After years of saying, "if it was our house, we'd do this..." it's real. It's not just on paper anymore and, honestly, it's still hard to believe. We are moving today with the help of our neighbors and friends and should be sleeping in the house tonight! All of our hard work over the past 5 years of rebuilding our credit, staying diligent on the budgets, paying off debt, and a strong push at the end...it's rewarding to know you didn't give up and that's the only reason why you succeeded.
I hope to see you all at my new house soon! I love you and miss you all! Thank you for all your prayers during this process...I know it helped to push it along in the Universe (and kept me from the verge of a breakdown also!).