drewbear: (Default)
So Matt's been laid out with a cold/flu of some kind since Friday night. Unpleasant, especially since we don't have insurance for him. But we're muddling through.

And then last night happens. I woke up at 3AM and spent the next hour-ish praying to Ralph the Porcelain God. And when I got up this morning, I spent 1:45 providing new offerings from both ends. I've been... experiencing his grace off and on all day and after a 3 hour nap, I think I'm finally to the point where I can keep down some clear fluids. Which is, of course, when the fever kicks in. So I'd say it's a safe bet that I'll be heading to the doctor rather than work tomorrow. Perhaps I can convince them to give me an extra antibiotic prescription I can give to Matt.

On the plus side, I actually have sick leave to cover this, so I'm not losing money, and since this is a holiday week, I wouldn't have been able to earn overtime anyway. I just hope we're both better by next weekend; there are plans afoot.
drewbear: (Default)
Matt & I went to a viewing of a townhouse last night, the first viewing we've gone to. We both actually like it a lot; it's got about 50% more square footage, good size rooms, a finished basement, a good layout and the price is about $10k less then my personal limit. The only problem is that the HOA dues are just under $250/month and they're a decent chance that that'll put the monthly cost over my affordability threshold. Also, apparently the property has been on the market only about a week, so the sellers aren't desperate to give concessions to sell it. ALSO also, I need to have $1000 minimum on hand for closing and it'll take me a few more months to save that up, assuming no injuries, accidents or emergencies happen in the meantime.

Gyah!

Homeowner?

Feb. 5th, 2011 05:16 pm
drewbear: (Default)
So I've been thinking more and more lately about buying a home. This is certainly the market for it and mortgage rates are at a low. I've signed up with a couple of "search for a house for sale" sites and I just got back from a meeting with a mortgage lender. I was pre-approved for the amount that's my personal cap, so the next step is finding a house.

I'm really quite nervous about this.

The lender gave me a couple of options, one of which looks rather nicer than the others and would cover the deposit for the loan up to $8000. Even so, I'm going to be required to put $1000 into the purchase, via inspections or pre-paying hazard insurance or something, in order to qualify. It's weird, because I think that $1000 would be the most money I've ever held in my hands at once, even as a check. Even when I got my car, the payment went straight from the credit union to the dealership. I should be able to save up the money before I would actually close on the house, barring injury, accident or emergency. Still it's weird

On the plus side, the lender worked it out for me and, including property taxes and house insurance, a loan for $120,000 (my limit) would still work out to lower monthly mortgage payment than I'm paying right now in rent.

July 2013

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