Archive for the ‘home-buying’ Category

Holy s***! I bought a house…

Well actually a townhouse but it’s still the same really…responsibility and upkeep. I suppose the feeling I should be having here is excitement. And to many degrees, I do have that particular sentiment. But overall I am more to the point — numb. I can’t believe the grueling process is over. It started with hopes of receiving a forgivable loan from the City of Dallas. I may have a pretty fun job, but the pay isn’t that great.

 

 Well, I qualified for a program that allowed me to receive $10,000 from the City of Dallas if I:

A.) Found a home in Dallas, of course.

B.) Take homeowner classes.

C.) Live in the home at least 8 years.

It seemed perfect. But right in the middle of my offer to the townhouse I wanted, they pulled the funding. They now exclusively offer the funding, even at a better rate, for the homes that are in their system, which means I wouldn’t be able to just find a place — it had to be on the city’s list of homes they are trying to sell. I decided to give up.

Then in May my realtor calls me and tells me that the townhouse I wanted — the one I had originally put an offer down on — dropped $10,000. It just seemed meant, but not without a few hiccups. Namely the appraisal came in under the sales price and there were a few repairs that had to be taken care of such as a few breaker issues. And even after all that, I sat at the title company’s table of endless papers and began signing. Then my realtor points out a taxing discrepancy. Would it ever end?!

The next day I finally got the keys and my family and I went out to dinner to celebrate with my realtor. We had some crazy times together so I felt it only fitting to pay for our dinner. Confession: actually dad made me but I was gonna pay — promise! As well as the fact that I am sure I was very small potatoes in the scheme of clients for my realtor. After all the trouble we went through, all of his concerns and looking out for my best interest, I just don’t think his commission from it all is that spectacular but he’s quite a humble man. And anyone who could put up with my tastes and demands deserves more than a gold star. I mean I am really particular about what I call, and I think the industry calls, “wet areas.” That basically means I’m a stinker about kitchens and bathrooms. But considering my choices of price range, and my particulars about what I wanted, I think I did pretty good.

So here I am — outside of my very own place (please excuse my casual attire…not my normal look I assure you.)  Sure the neighborhood isn’t the Ritz but it’s a place that really suites me. And I’m happy to call it home. But all this means is I’ll be pretty preoccupied between medical appointments and cleaning/preparing the new place. Blogging will be a tough one in the next few weeks, but I’ll still try to make time to blather about.

I could get run over by a truck…

Be hit by a freak tornado. Suddenly lose my memory. Get kidnapped. But today is the day.

I’m supposedly closing on that townhouse I told you all about back in April but couldn’t get. If you need a refresher of what happened, read CHANGES up at the top of the page. I hesitated talking about my going after it again because I didn’t want to jinx it. I hope I haven’t done that by telling you before the keys are in my hot, little hands. I will divulge later.

So this is what it feels like to give up…

Being poor sucks. But what sucks more than being poor is when your expectations are squashed because of it. As you have been reading I was looking to buy a home. I will candidly confess that one of the major incentives (and almost the main reason) was because I was going to receive $10,000 of an 8-year forgivable loan from the city of Dallas. As of this week, right in the middle of my offer to the townhome I wanted to buy, they pull the funding for homes not in their network. Meaning that if I want to seek their assistance, I have to look into the properties on their list.

I am a girl of a certain taste. Does that make me high-maintenance? I could give a shit less. What it makes me is a girl who will not compromise. I want the option to pick where I want to live and the home I want to live in for the next 10 or so years. So what does this mean? It means I stay put, bitter in the rent race and clutching the Tuaca I said I was going to give up.

 I’m still in the middle of the offer but I doubt the owner, though a great guy, will want to accept it because it will be about $10,000 less than asking price. The blessing in all of this is that I will no longer be anchored. And maybe I’ll search out Alaska again one day.

 

Why the hell am I doing this?

I have been scarce here lately. I know I have. Some of you may already have a suspicion as to why — I’m home-shopping. But because I am in the journalism field, I don’t make enough money to make this sound even slightly exciting. Basically because I can’t afford the home I really want. I have to make exceptions, taper down my expectations and realize I may need to put work into one that I can afford. After chatting with friends and coworkers, there always seems to be an underlying opinion that I’m making a mistake.

I’ve heard one thing after another.

“You are single, why would you want to own a home?”

“Having a house is work.”

“Why now? Wait until you can afford the house you want.”

About that last one — I just have to say that I will be waiting a very long while to afford what I want and that means more and more money down the drain. The thing is no one can really know what it’s like for a person unless they live their life for a day. And the main thing I need to remember that it is ME who is making this decision and working on what’s best for my life. And if I want to ruin it with an almost move-in ready fixer-upper, then that’s what I’ll do — and with bottles of wine at arm’s length! So forgive me if I’m not all here. Though I was never all there in the first place.