House Saga, Episode II

I really want this house. However, it's really hard for me not to feel like the universe is telling me through the difficulty of buying this house that this means that tenure is out of my grasp and we need to be able to cut and run. 

My mom thinks no, this all has happened to make sure that the house didn't go on the market and that it is being saved for us.

The J says, "this is house is so awesome, we just have to work to earn it." 

I wish I were that positive. I'm trying.

The FHA Loan... well, while I'm sure there's a legit FHA loan out there, and I'm sure ours would have been somewhat legit, and the guy has been super thorough and nice, but damn, we got the final loan estimate thing yesterday, and holy f*cking sh*t. Between closing costs, fees, insurance, and some other stuff, the total due at the closing would be nearly 10% of the loan. If I had that sort of money to begin with, I wouldn't be in the situation I'm in. 

Obvs, the first lesson is don't try to buy a house unless you really have the money in savings for it, and don't depend on a VA loan. The second lesson is to be not so irresponsible with money and spendy. 

In the meantime, the J has been trying to find a VA loan from another lender. So now we are back to square one, and starting all over again. I did at least double check with this woman to make sure that we are not going to be hit with over $11K in closing costs, which she said was excessive for the home we are trying to buy. Anyway, what's embarrassing is having to go to our friends, yet again, and tell them we are back to square one. 

I think I've decided though that unless they text us for an update, until we have something concrete from the new lenders, and somewhat of an estimate of the closing costs, then we'll decide how to proceed. 

Last night I was beside myself again. This morning, I was super negative still. Now, I've had a chance to work out, I've looked into the lease to purchase option which might be something they would consider (we really want this house), although we understand if they don't want to, because the house will sell, and will sell quick, so we'll see. My pride is hurt. I'm embarrassed. I'm actually as angry at the second loan people as I am the first because I feel like I was on the point of being hoodwinked (although, the guy working with me is probably in the same position I was in when I sold pools for a shady company--you try your best, and it's the other people that are the swindlers), but we are in no way forking out that amount of money, and in no way asking the sellers to try to cover that either. It seems shady and unfair. So, we will not do that. 

Anyway, there it is. I will get some work done on an article today. And I'm guessing by this time next week, this will in some way just about be over.