The Pain's Of Home Buying

So we are going to be buying a house, and all I want to do is groan.  This is the first house that any of us have every owned and just getting started is daunting.

First off Heather and Rob are going to be the ones doing the actual buying I will just be pitching in with down payment and mortgage payments when we get the house of our dreams (or as close to our dreams as we can with a normal persons paycheck).  My credit is not great, not horrible mind you but now great so they really don't need me on the loan, so the actual house purchase will be them with me just helping out.

Second we have been looking to do this since January of last year but after some discouraging remarks from a lender we got scared off.  Heather has had a credit union since she was young and she went to them to get and idea about a pre-approval amount for a loan so we would know where to start looking.  The bank told her they had another company they went thru for the loans and she dutifully called them to get the info.  The guy she got on the line was a DICK!  He was snotty from the moment she got on the phone and when she told him that we only had about $3000 for a down payment at that moment he just shut her down.  He never asked how much she and Rob made and never gave her a chance to say we planed on putting more in to the down payment in the coming year, he just said there was no way we could get a house with that.  Heather came of the phone very discouraged and uninterested in looking further.  It has taken us all this time to finally get going again, I have been pushing all along but until now they where not interested.  Truth to be told Heather is still not interested in being the driving force I have had to push Rob into doing the work.

So finally this year I was a house for sale near Ellie's daycare and I was thinking how great it would be to live that close.  Plus all of our works are about 10 mins away as well as Heathers parents it would really be a great place to live.  I went online and contacted the realtor to see if we could look at the house and he got back to me the next day. He explained that he would love for us to look at the house but he wanted to know if we had gotten pre-qualified for what we could buy first.  I called him and told him no but that we where very interested in doing so.  He was happy that I was not upset about getting pre-qualified first the homeowner just did not like looky loes who had no intentions of possible buying and could not really afford the house anyways.  So the Realtor gave me the name and number of a lender and Rob finally called him!

So now we have been pre-qualified and we are going to look at the house this weekend.  I am ecstatic, I have been waiting for this for so long.  The next part of our life is finally happening, no more apartments a house all our own.   Living in an apartment with all the rooms we needed and space to store stuff was getting expensive, this should be so much better.  Of course we are going to have to deal with the costs of owing a home but at least it will be our home.

More to come on this subject as it develops! Happiness!!