I spoke with a mortgage broker today. I did not look forward to this. I had to worry about all my negatives:
- I have school debt
- I was divorced ….
- which led to problems:
- Excessive debt;
- Consolidation of credit cards;
- Low(ish) credit score;
- low credit limits on the credit cards I have
This is balanced out by good things:
- I paid off all my consumer debt with a modest inheritance;
- I have paid every single bill on time for the past “verylongtime” (in zuska-language);
- I have very little debt right now [only school loans – no car; no credit card debt]
- I have been monitoring my credit score like a jilted, obsessed lover for 2 solid calendar years – I have disputed entries, I have done all I can.
- Oh yeah [editing to add] – I have a more-than-decent income {guffaw}
My score, as investigated by the mortgage broker, is higher than when I look it up myself. I’m talking 40 points higher.
Which is potentially higher enough for me to make a semi-decent offer on my condo. Potentially. Not definitely. I will know tomorrow (deep breaths, Z; deep breaths.) Pessimism reigns.
Figuring things out with my mom: We need 1650 square feet. That’s how much it takes for us to have enough space.
Yet 3 bedrooms are 1500; and 4 (or 5) bedrooms are 2000.
There’s rarely anything in the middle.
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I am 100% obsessed.
It is now official.
I am obsessed with the local real estate market.
I am obsessed with owning a home.
[and with E having her own room]
Wish me luck, as the spring selling/buying season rolls along.
I need it.
