Every now and again I look on the Coldwell Banker web site and take home tours of new listings.
Of course, I don't look at the $150,000 listings. That would just be a waste of my time.
But last night, I actually found one that motivated me enough to fill out the pre-approval application through my Credit Union just to see what they had to say.
Well, I am guessing I ought to be saving a lot more money and wait patiently, because in doing my research, I not only need a 5% down payment, but also $2000 in closing costs, $2000 to pre-pay taxes, and of course, enough to hire Two Men and a Dumpster!
So, I'll be adding to my Christmas Club as often as possible, and continually rolling that over so that I can build up savings without the temptation to touch it.
I have also found that I am completely off the radar. I have a credit score of Zero. I don't buy anything unless I can pay cash. I don't have a car payment. Paid cash for my appliances.... So I need to start obtaining documentation that I pay my bills on time.
Crazy thing is, there is nothing that I need or want to purchase right now that would help me build a credit score. Nothing. I'm simple folk. I don't want for much.
But it would be nice to buy my own home while Jerry is still young enough to have the luxury of having a home of our own to grow up in.
The thought of a 30 year loan is a bit frightening as well. Kripes! I'll be almost 80 by the time it's paid off - if I live that long!
The Realtor was a real snot about it though! I wanted to look at a house that is assessed at $105,000 but is selling as a HUD house for $25,000. IDEAL!!!!!! It had gorgeous built-in features, but the kitchen and bathroom look like they need to be completely gutted and re-done. That doesn't scare me if it is my own home (No way in hell I am doing that here in THIS house, cuz although it does need to be done, it's NOT MY HOUSE!!!). But I asked the Realtor if I could see the place today and she said "All bids have to be in by midnight tonight. Are you prepared to make a bid on this place? Because if not, I don't have time to show it to you." NICE!!!! And then after being such a bitch, because I contacted her via E-mail, now I'm getting E-mails from her about other listings that are way out of my price range. Lovely!
But, even though this whole ordeal leaves me feeling a bit disappointed, it DOES motivate me to purge stuff around here. I'm not taking it all with me when I go! 5 bags and counting! Now THAT is motivation!
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