Design a site like this with WordPress.com
Get started

Skepticism….It’s A Thing

So I had a completely different post written for today, but the last month or so I’ve been on a journey that hasn’t quite turned out like I thought.  So here I go……

Once Upon A Time There Was A Huntress

Who had ventured into purchasing a house two years back that turned into complete and utter shit.  It was the worst experience of my life.  Because I was a first time home buyer that even though I researched what I could regarding buying a house and trying to get as much information as I could on different types of financing.  Ultimately the realtor and mortgage company that I had worked with were to say the least, crap on a cracker!  So, a synopsis of what I went through, I found a realtor who was all gung-ho about helping me buy a house.  She was very helpful (at first) and she put me in touch with the mortgage company she used often.  Well the idiot mortgage/loan officer for the Crap mortgage company was more interested in his upcoming vacation with his son to Cloudcroft NM than paying attention to my stats and getting me approved.  So, before that motherfucker went on vacation he told my realtor that “we were ready to go” and he gave us a price range for a house.  So we began looking, and then I found a beautiful home near where I live now.  It was below what I had supposedly been approved for and then everything went to shit.  The asshole loan officer for the mortgage company came back a week after his vacation and was sucked back into reality and realized that I didn’t qualify for anything because he didn’t take into account my student loans or my median credit score.  You can read more about that here.

So, that was back in 2019 and it was a huge setback for me because I really wanted to get out of the rental house owned by that cheap ass Filipina bitch who maintains it on a damned $10 budget.  So, after two years of fixing what I needed to fix regarding my credit, I finally approached another realtor who has been such a blessing and she guided me in regards to what I needed to do, what documents I had to collect and all the information I would submit.  And after all that……………….I finally GOT APPROVED FOR A HOME LOAN Y’ALL!!!!

And Even Despite This Good News, I’m Skeptical

Okay so that’s the good part of all of this, that I finally found a competent realtor and a caring and not to mention careful loan officer who paid attention to me and all my financial information.   It’s been going on a month now and I’ve yet to find a house that I like or can afford.  THEN my caring and thoughtful realtor had to break some bad new to me.  She told me that she would be going to Florida to help her daughter open her own realty office in Miami.  She said that she had someone in mind to help me with my home hunting journey.  So, I was kind of hesitant to go through all of that again but since most of the work on the financial side had been done.  I took a chance and agreed to meet with the person who would continue helping me look for a house while she traipsed off to sunny Florida to help her daughter. 

She told me this man was her mentor when she began in the business 20 years ago, and that he knew his stuff.  As for me, I had to meet and hear this man for myself to know if that was true, so she arranged for me to meet him at a house listing I had sent her previously.  So she booked us for a showing on a Sunday afternoon on the Far East side of town. 

I got there and he sent me a text me to tell me what he was driving and I met him out front while we waited for the mob of other people to leave the home so we could take our private tour.  We introduced ourselves and he began to give me details about the home.  He said to me that he needed for me to tell him what I wanted in a house and where I preferred to live.  So I did, he took notes and we walked the house.  We spoke for a bit and then left since that house seemed to have been booked all day for showings.  That was more than three weeks ago, since then I’ve put in offers for four homes and in the process I’ve been outbid by people with more money and on two occasions people that came in with cash.   I was beginning to lose hope because I hadn’t found anything in my price range and being out bid by people with more than I had to offer for homes that two years ago would have sold for $25K less than today and was beginning to get really discouraged.  He called me up one day and told me that I sounded a bit down, and I told him the truth about how I might have to wait to find not just something I liked but could afford as well. 

Well maybe not perfect, but he’s trying

Then, he began to give me some really important information that only a seasoned and experienced realtor would give.  He told me that the housing market right now is a sellers’ market, and that homes that were less than 1200 square feet were being price gouged by the owners because there is a lack of inventory right now.   He also advised that I look beyond the side of town that I wanted to find something that I could afford but, that I loved and would make my home there for the rest of my life.  He knew what I was worried about and then reassured me that if I wasn’t ready to continue looking at the moment, he’d be available for when I was.  So, my second realtor whom I’ll call Mr. Irvin, because that’s the high school he graduated from, is not only well versed in this business, he also knows how to gauge people and their enthusiasm or hesitancy in regards to their home buying.  He also said that because of the housing market right now, cash buyers are coming out of the woodwork to just undermine those who have financing.  It’s very competitive to purchase a home at this point in time, and Mr. Irvin asked me if I wanted to wait or keep looking? 

I told him I wanted to keep looking, that’s when he suggested I look in different areas of the city, not just in the neighborhood I live in now.  Two years ago houses in my neighborhood were coming up for sale like weeds.  And now? I’ll be hard pressed to find one like the rental I live in now at a decent price.  So look in another area I did, and even though I grew up in what we call the lower valley.  Moving to a complete other side of the city was never my intention.  To be continued.

So until next time……this is the Huntress, saying…”Don’t be a Moth Around a Dim Yellow Bulb, Be a Moth to a Flame, Make it worth the Burn!”

Published by thehuntress915

My life has been a lot like the movie Bridget Jones Diary (the Hispanic version) constant comedic struggles and life lessons learned by way of personal experience. I've survived divorce and online dating debacles, so tag along for the ride and lets laugh together.

12 thoughts on “Skepticism….It’s A Thing

  1. We went through the same thing in 2002 when we bought our home. Nothing in the market and what there was? Ridiculously overpriced. That’s when I trusted my realtor as well. She took me far afield from the areas I thought I wanted to live…. and lo and behold, we found the perfect spot. Patience is the key word here. Just don’t be afraid the expand your horizons.
    😊

    Liked by 1 person

      1. It was the only choice. Truly, there was only one other house I considered… but you had to drive through Deliverance country to get there and that was a bridge too far.

        Liked by 1 person

  2. Be patient ! Don’t over pay . Then again , I don’t see prices going down for a long time in Texas . Buy quick ! What do I know ? Listen to your guy . Good luck ! Something is going to work out.

    Liked by 1 person

  3. It’s the same thing here in my small town, where all the city folk who can now work from home have realized they can afford houses. But this drives all the prices up and creates bidding wars. Our house is currently worth over 3 times what we paid for it, but if we sold, where would we go? I wish you all the luck in the world in finding your dream home:-)

    Liked by 1 person

    1. Thanks Suzanne, and I’m staying hopeful because Mr. Irvin is patient and I think he’ll find me something I’ll be happy with. From what you’ve posted about your lovely home, why would you want to move? Altas would not like that I don’t think. And, you’d never know where the heck Wolfgang the neighborhood wolf statue came from or went.

      Liked by 1 person

  4. I’m so behind on reading your blog and others, too! I am starting with this post because it’s where I left off and the anticipation and excitement I feel for you is spectacular! Can’t wait to find out what happened next! 😉

    Liked by 1 person

Leave a Reply

Please log in using one of these methods to post your comment:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: