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I started off my post-work morning with a fantastic phone call from the banker. I’ve been pre-approved for $100k mortgage! And I don’t even need a down payment or closing costs because I qualified for the USDA Rural Housing program. I’m so stoked. It’s been my dream for many years to play frisbee with my pit bull in my very own backyard. I always thought I’d do it with my ex but there’s no time like the present to improve my own life right?
So I’ve officially decided not to move out of Ohio. As nice as it would be to live by the beach where it never snows, I think it would stress me out to be in a busy city packed with people and also quadruple my cost of living. And I really hate apartment living. I hate it with a passion.
Let the house hunt begin! Actually I’ve already picked out a couple on the realty agency’s website that I want to look at.
That’s great news! It’s amazing how much life can change in such a short amount of time. Good luck house hunting! And hopefully we will see your place on DW.
When I find a house and get it all set up, I will definitely submit a DW home tour
I’m seriously in love with this house right now. I’m definitely arranging a showing on my next day off.
http://www.cbhunter.com/Property/OH/44241-4780/Streetsboro/792_David_Dr
I love the gazebo too.
And yes, houses are dirt cheap in Ohio just like everything else. That’s a big reason I’ve chosen to stay here. My experience living alone so far has been stress-free financially because everything is so cheap here and I make decent money. But of course if you watch HGTV you know never offer the full asking price! I would try to get that house for $80k. But first I have to go see it in person, and I also want to see what other houses my realtor finds for me in my price range. I’m so excited to pick out my own house. Strangely, it makes it more of an adventure to do it alone because no one has to “approve” my home choice except the inspector.
I feel awesome that I’m getting so far in my single life already. My ex is nowhere near where I am in terms of life goals right now, and I do feel bad for him because I still love him…but at the same time it makes me feel like I’m a strong go-getter woman who can accomplish anything.
hey anna i don’t know if you saw my post in the other thread, but you should make sure your realtor is really familiar (and your lender!) with the rural housing program. we were going for a home with that program and ended up losing it do to some things the lender didn’t realize before applying, mainly that because it’s a federal program there is a crazy back log so it may take them up to a month to approve your application once it reaches the rural housing program. the best piece of advice i have is to assume it will take way longer to get in the house than it would if it were a normal fha loan because of the fact that it has to go through underwriting with your bank as well as rural housing. oh and i’m pretty sure the guidelines are the same across the board and they will pay 6% of the homes value in closing costs, just so you have an idea of about how much money you have to have at closing! good luck and if you need any advice while you’re working on the rural housing loan let me know, it’s definitely a little more difficult than the average home loan. but, it’s an awesome program and i’m glad you’re getting to utilize it! it’s nice living in a rural area sometimes!
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