March
19, 2004
The loan
package goes to the underwriters today! I'm a little
bit edgy because it has to go through an automated process
and anything that's automated can't see our letters of
explanation for the late payments on our credit report.
Automated feels... vulnerable. People can work from
a greater perspective.
Also
scary is that we found out today that the mortgage payment
we will have are well within our budget, actually only
about $100 more than our rent is now. We have to
move regardless and we could not rent a place for what
we'll be paying in mortgage payments monthly. So
that's an awesome thing.
The
challenge is that we found out we have to come up with
almost $800 for a year of homeowners insurance in advance
(plus a couple of other things) at the signing, which will
be very, very soon! Yikes! We have really been
crippled (crippled? try legs broken and comatose!)
by our extreme lack of knowledge of this whole process.
We managed to put together the $1000 deposit (did I
mention legs broken and comatose?), which was a miracle in
and of itself. Eric's unemployment has not yet
resumed (and he only has one more check coming with that)
and he won't get paid for the projects they are starting
for at least a month. That would normally be fine because
we won't have to make a mortgage payment for a couple of
months. He can easily make enough to sustain us as
far as food and such on side jobs. It's the big
things like $1000 deposits and $800 insurance fees that
make me say "whoa!" Since this is a VA loan, I
thought "no closing costs" meant "no cost at closing." :)~
I'm constantly surprised by how much I don't know about
things.
So
that's my new mission. I'm giving myself 5 days to
figure out how I'm going to do this, but I AM going to do
it! No way is that house getting away from me.
If I can get past "the automated system," I'm not going to
be thwarted by a few few zeros! So I'm doing my
thing where I canvas what (or who) I can sell, cleaning
out the couch cushions and lighting the St Jude candles.
I *do* know a few things that are helping me along.
One is that the house is MINE. It's a done deal.
The next is that I've manifested way more money than that
on shorter notice before. The next is that I have a
huge patch of calla lilies blooming (pictures next week!).
The next is that between now and then comes Spring Equinox
and all kinds of magic toward new life takes place at
Spring Equinox. The next is that in the past, what
we needed most usually crops up at the last moment.
That
being the case, I'm going to be wise and calm and all
those things. I'm going to work at having a great
weekend, letting this take its course and trusting the
process. I'm still doing the St Jude candle, mind
you (no since getting sloppy), but for the most part, I'm
just letting it flowwwwwwww. Wish me luck on this
endeavor!
(thishouseisoursthishouseisoursthishousisours)
Funny
stuff:
http://www.channel4.com/ads/index1.html Beware
of swearing. This is a film clip put together by
channel4.com featuring famous people saying their favorite
swear word. The cast of "Scrubs," people from "The
Sopranos," "ER," Peter Gallagher, Julian McMahon and lots,
lots others. So much fun!
Jumping
headlong into the weekend now. I hope yours is
outstandingly wonderful and that Spring Equinox brings you
the new life you want (if you want one). We're going
to be welcoming the warming of the earth and planting the
new stuff!
Love,
K
(thishouseisoursthishouseisoursthishousisours)
  
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