Back in September we sat down at the table and discussed maybe buying a house. I’ve never bought a house before and the prospect was scary as hell. The credit I had after my divorce was lower than whale turds. So, when I called the guy at the mortgage company I figured he and I would share a good laugh and I would forget the whole thing.
I figured it would be easier to try to get pre-approved rather than face the heartache and loss of cash when getting turned down in Escrow. Ron, the fellow at the mortgage company, actually said he could help me and gave me about a 95% guarantee that he could get me financed at a decent interest rate. “We’ll see” I said jokingly and left him to his trade.
A few weeks later I get a call and he asked me to fill out a mountain of forms and send them back to him. Still thinking it was a pipe dream, I humored him and got writers cramp at the same time. So, with forms sent, I put it in the back of my mind and carried on with my daily business.
A few more weeks and more forms. This went on for months. Still, I had no hopes of ever owning my own home. Hell, I lost that dream when I was a young man and the markets were just freakin’ ridiculous. I mean, there was NO WAY I was gonna pay $400k for a dinky house in a shitty neighborhood. I will say the dream reemerged when the market fell out and I could once again maybe be able to own a home and still eat.
Lets move the clock forward from September to March. All this time I was filling out this and faxing that. Then, in March on a Tuesday I got a call from Ron that knocked me off my feet. “Go find yourself a house. I got you approved!” WTF?! Now this was real and I was unable to deal with the news. At first I thought it was an early April fools but once I asked Ron to repeat what he said, I was floored. It was unbelievable. I mean I always thought you had to have arrow straight credit since birth to be able to own a home but, with the amount of idiots out there that have them, that can’t be true.
On that Saturday, Chris and I hopped into the Jeep and went around looking at houses. A local real estate website said there were over 1400 foreclosed homes in my town. Holy shit! 1400? Well, I think maybe we should look for a foreclosure. Boy-o-boy was I in for a treat. Just like repossessed cars, the previous owners either trashed them or left them in ill-repair. Hell, there was one home we looked at that I’m pretty sure someone had died and decomposed in. I’m glad we looked at that one because that’s where we met Caren.
Caren is an agent that deals only in foreclosures. I got her card and told her we were pre-approved and looking. We talked for a bit and told her what we wanted then parted ways. By the time I got home, she had already contacted me by email with a list of homes, some of which were listed by other agencies.
We looked at one that Chris fell in love with but I was reserved about. The floor plan was choppy and it felt busy to me. I just couldn’t get comfy inside that place and it bothered me a great deal. I told Caren that we would have to think about it. I wanted Chris to be happy so I decided I could live with it. I gave Caren the go ahead to put an offer on it but was too late. The bank accepted an offer on it just two hours prior. Chris admitted later that she was “very angry” at me over that one. Boy, after that we looked at some doozies!
The next day we found ourselves in a “Haunted House”. This place was the cover of home and garden magazine 1968. No shit, this place was a time capsule. There were brown plastic windows with raised circular designs on swinging doors. A wall of newel posts separated the very dated Formica kitchen and the breakfast nook / dining room. All that was missing in the place was orange shag carpet, lava lamps and those chairs that look like hands. Oh, and there was a piano. Yup, the previous folks left behind a piano that didn’t fit the homes design. Nope, this piano would have been right at home at some Gold Rush, desert tavern. I hit a couple of keys and an eerie atmosphere filled the house. It was time to go!
There was one that had a gorgeous facade but looked like you were walking into an Easter basket once inside. We dubbed this one the “Skittles House”. I’m not kidding, you could almost “taste the rainbow” when you walked into that place. But, the floor plan was nice and we thought we could live with the colors until we painted. It had the coolest kitchen I had ever seen. It sat on the corner of the house and was filled with windows. We put that one down as a definite maybe.
The same day we looked at a house that had, for lack of a better term, one of those “Emo-Gothic” feels to it. Dark walls and the odor of old incense permeated the air covering the stench of long deceased rodent sacrifices. And, there was a heavy feeling in the place, plus the floor plan was such that the whole house was hidden behind the garage. Perfect if you wanna grow illegal plants I guess.
Down the road a bit further was the “handy mans dream home”. By “handy” I mean this guy was more handicapped and less handy. The two upstairs bedrooms had been joined by a very crudely done arched opening. The spackle job was really awesome in a 1960’s Star Trek, alien planet, subterranean set design. The homemade French doors leading to the back deck off the master were held together with nails and both sets of handles had locks on them. I still can’t figure that one out. Other than that the house was OK with a very dated kitchen and other interior aspects. But, it had a pool! I was warming up to this one. Hell, I have been accused of being handy and I am always looking for a project. While at this house we were greeted by an insurance adjuster there to take pics of the pool area where the pool pump had been stolen. OK, so maybe this wasn’t the best neighborhood. So on to the next.
The last house we looked at that day, I immediately dismissed because I thought there was no way we could afford it. A beautiful home with fresh carpet and tile work, three bedrooms and two baths. It had everything we wanted and no faults other than a few maintenance issues. Even though I dismissed it there was no way I was gonna lose anther house to being a day late.
We decided to put bids on both this last house and the Skittles house. The agent said that two bids getting accepted NEVER happens and that we would have to see which way it went. She said that if both offers were accepted, she’d faint. When we went home that day I was sure we would end up in the Skittles house.
The next morning the phone rang and it was Caren. She was calling from her kitchen floor. It seems that both offers were accepted. Now I had to choose between the perfect home and the Easter Bunny’s house. Well it was a no brainer!
We started the process and again, I signed a mountain of papers. I didn’t sign this much when I gave my ass to Uncle Sam. Now all we had to wait on was the VA to sign off. Oh shit… Here we go again. My life hangs in the balance while the VA gets off its affirmative action ass. We had to get two extensions in Escrow and at one point it looked like the seller was getting irritated enough to pull out. But, somehow we managed to get everything done. I’ve finished signing and have closed. Once the property is recorded and funds are transferred, we move in.
Thank God! Not a minute too soon. As you’ve read in some of my rants on this blog the upstairs neighbors have been just fucking ridiculous. And, as you may have guessed, continue to test me daily. All of this and riding the emotional roller coaster that comes with buying a home. It’s truly not for the faint at heart.
Here it is… Home sweet home.


