![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
Baby steps
Jun. 10th, 2013 09:04 pmThe other day as I was walking I came across this beautiful little house for sale right next to where I live. So I contacted a distant relative who had given me her card when she came into the surgery a few months ago, and asked her for any advise she could give on how to proceed.
Well...
She's helping me home hunt! She's a broker, and gave me the name of a loan agent she trusts and has worked with for years. I left him a message today and hope to talk to him tomorrow. She's also sent me several links to look at, and most of the houses I think are in my price range. I'll know more tomorrow.
But the best part? Since I'll be using a VA loan it will be $0.00 down, and she said that most times the closing costs are only $500. At the most, around $800. I can afford that! So, the only thing now is to find out how much I'll be approved for, and then I can start looking in earnest. I'm so damned excited!
And last time I looked into this, my mortgage would have been about what I'm currently paying in rent. If I can keep it around that range, than even if something happens and I lose my job, my disability will cover the mortgage, so I won't have to worry about that.
I'm about ready to dance right now! I called my mom and told her and she's going to go with me to look at houses. We're both really looking forward to this. I just can't tell you how happy I am. Even if there are bumps along the road, which I'm sure there will be, I'm taking that step forward!
Yay!!!
Well...
She's helping me home hunt! She's a broker, and gave me the name of a loan agent she trusts and has worked with for years. I left him a message today and hope to talk to him tomorrow. She's also sent me several links to look at, and most of the houses I think are in my price range. I'll know more tomorrow.
But the best part? Since I'll be using a VA loan it will be $0.00 down, and she said that most times the closing costs are only $500. At the most, around $800. I can afford that! So, the only thing now is to find out how much I'll be approved for, and then I can start looking in earnest. I'm so damned excited!
And last time I looked into this, my mortgage would have been about what I'm currently paying in rent. If I can keep it around that range, than even if something happens and I lose my job, my disability will cover the mortgage, so I won't have to worry about that.
I'm about ready to dance right now! I called my mom and told her and she's going to go with me to look at houses. We're both really looking forward to this. I just can't tell you how happy I am. Even if there are bumps along the road, which I'm sure there will be, I'm taking that step forward!
Yay!!!