Sunday, April 13, 2008
Things are moving very quickly right now.
Tuesday I got a Good Faith Estimate.
Wednesday I bought a pretty little 50¢ notebook from Michael's art supply store, walked up the parking lot to the other branch of my credit union, and met with the mortgage originator. She went through the GFE line by line, stopping while I took copious notes (she gets a lot of that, I'm sure). The number that stunned me so much turned out to be a worst-case scenario sort of estimate (highest taxes, highest insurance, 25 days' worth of interest to pay up front...), and included the down payment in it. That made it much more manageable.
After a few moments' hesitation, I flung myself into the gap and said, "All right, let's see if I can get approved."
I did, for exactly the amount she had projected. It seems like an awful lot of money to me, and I'm amazed that someone is willing to trust me with it. Apparently I have excellent credit. I'd assumed it was pretty good. After I finally paid off my student loans, I noticed a steady increase in the number of "You're Pre-Approved!" credit card applications in my mail.
I told my sister to go ahead and refer a realtor for me. I later found out that this means she'll get a piece of the commission. Might as well keep the money in the family, right?
Thursday I got contacted by J., and I told her what I want: a little townhouse on a bus route.
Friday she sent me 18 listings either on or near a bus route, all in my price range. A couple of 'em are more towards the top end...but there you are.
Saturday I did something totally unrelated with the Chief Loon over in Bellefonte. Research and picture-taking for an event the Loons are putting together for this spring or summer.
I've spent this afternoon using mapquest and the area transit authority's web site to see a) where these houses are; b) what routes are nearby; and c) how nearby is "nearby?"
All right, I admit it. I'm a question mark.
Occasionally I catch myself saying things like, "Oooooh, it has a basement!" I don't need a basement. I've looked around my apartment and I realize that once I get myself into a 2- or possibly 3-bedroom townhouse with all my stuff, I'm going to rattle around the place like a seed in a gourd.
To answer some of the comments to the previous post: G., sorry, but I think I'm going to do exactly what your daughter did. I've been in the area for approximately 20 years. I think it's safe to say I'm staying. If I want to move, I'll sell the house. I know there's a lot of maintenance involved with owning a home (been watching my parents for years), but I think I can handle it. I figured it out yesterday and my conservative estimate is that over the past 15 1/2 years I've spent a little over $75,000 on rent, and I have nothing to show for it but a dingy little apartment and a growing sense of irritation at the way the place is managed. I've hit the point in my life where I want to have something after I've paid for it.
JustMe, Sunny is a blast. It's not her real name (no one mentioned on this blog has their real name used) but it should be. I'm pretty sure that little blue place has been snapped up. It's not in my list from the realtor. There are a bunch of places over on that end of town though, so we could still be doing the YMCA/bingo thing. Most of these places look like I'll still be right smack up against my neighbors, but that doesn't bother me. Hearing people overhead bothers me. Place I'm in now, the floorboards squeak something awful. You can hear every step, all the time. Ugh. I didn't care about that when I moved in. I just wanted somewhere to live.
Hey Ditter! Does the hubby know you just enlisted him as mover/painter? 'Cause I may just take you up on that.
This coming Thursday I have the day off from work. I'm using that time to meet with J., talk about these listings she sent me, and probably go see some of 'em.
I'm beginning to feel like I should start packing...time to hoard boxes from work.