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i spent a lot of money today 2 Comments More | Login | Reply /

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  • My wife and I bought our first home at the end of June. Our experiences were very similar to yours.

    We had filled out a preapproved mortgage application online and that saved us so much time. We picked a realtor in the area. Everything went very quickly once we were assigned a new real estate agent (our first real estate agent, who ended up going to another firm, drug his feet which caused us to miss out on two very nice yet inexpensive homes that we were very interested in). The mortgage company explai

    • When we moved into our apartment on Christmas of 2000, we figured we'd be there for a year or a year and a half while we prepared to buy a house. Prices just kept going up, though, and I kept thinking that we needed at least 10% to put down. Now that prices are finally coming down, we're still not making a huge down payment! I think I'll now join the throngs of people who told me, "Just get the house ASAP so you can start getting invested in it."

      As for getting the key... I was imagining that we'd sign lots and lots and lots of paperwork, and then be ceremonially handed the keys. Well, it was sort of a let-down. We got two loans (I'm told this is pretty common these days). The seller only needed to be there for the signing of the first loan's paperwork, and once that was done, someone put keys on our "take home papers" while we kept signing papers. The other minor let down was that a friend had told me that I should insist on keeping the pen with which I did the signing. I think the idea was that it would be a nice pen, and they would not mind letting me take it after I signed over some ridiculous sum of money. (I mean, in the charges was listed a $50 "sending email" charge.) When we got there, though, there was a twenty-nine cent Bic pen for each of us. I left them behind. Gloria was even wiser, and had brought one of our beloved Zebra F-301 pens... so I guess we do still have one of the pens used to sign.
      --
      rjbs
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