The Pre-Home-Ownership Post

Today, with any luck, Jess and I will become homeowners. It's December 17th, and though there's been some hair-raising frustrations along the way, it looks like we've at least managed to nail the dismount. True, we're still waiting on paperwork, but there's every reason to believe it will go through just fine and we'll be off and writing HUGE CHECKS in no time.

I won't name-drop here, but our mortgage broker hasn't done very well by us. They offered us a *fantastic* rate, and that's why we went with them, even suspecting that they might not be the best for paperwork. Because closing is only for a month, and a mortgage is for a really, really long time. Those .25% increments really add up over 30 years. Unfortunately, though, the person handling our paperwork isn't very good at her job. Which is odd, because handling paperwork is really all she does! There was a hitch and she was instantly on us to actually change our title company, just cause it would make it easer for her. Well we called our real estate agent (who is awesome) and he actually made the phone calls that our mortgage broker should have and got everything through. I'll name drop for him because he's great. Mike Craig. Definitely a two-thumbs-up Realtor.

Anyway, between that and some last-minute-requests that really-should-have-been requested-a-month-ago we've been waiting for paperwork to go through up till the last minute, but everything is in at the title company and they should be letting Mike know precisely how big a check they want us to bring. It's sort of intimidating, but it's good to remember that you're not really loosing that money. Really just investing it. And getting a house out of the deal.

In other goings on, Jess got sick over the weekend and now I've got it. Jess completed the roller derby training and got drafted onto the Holy Rollers, league champions for three years running, a lot to skate up to. Her first game is on January 4. We've started packing up our house for the move, which will be done after we get back from x-mas with family. And, finally, X-mas with family. Yay!

I'll let you guys know when everything goes through.

-N