I feel like eating donuts topped with ice cream for dinner. Is that bad?
I guess it’s just stress with the whole home stuff that’s getting to me. I don’t know which end is up anymore. We’re working on getting pre-approved at the moment so we know what our limits are and then we can start actually touring homes instead of driving by like spies. The woman I’m dealing with at the mortgage company is nice. I like her so far.
After we know how much home we can afford, we have to decide which shark, ahem, agent we will be working with.
My coworker’s niece is too pushy for my taste, plus one of the first things she wanted me to do was fax her our pre-qualification letter. Joe doesn’t think any agent should know exactly how much money we can borrow because they will use that to their advantage. I see his point, but I look at it this way – just because I’m approved to borrow x-number of dollars does not mean I will. So if the agent can’t get that, I won’t work with them.
Then there’s the agent who was showing the overpriced home down the block from us. She seemed ok and not very pushy, but something about her reminded me of someone I don’t like.
So that leaves us with the agent my coworker used who used to work at my company. I spoke with him maybe twice. He’s new in the business and he seems pretty nice. But do I want to deal with someone so inexperienced? He’s only completed 10 transactions, which I’m told is a lot for only a year, but what do I know?
There’s just too much info out there and my biggest concern is we’re going to get ripped off and pay too many closing costs and all that jazz. If you know anything at all about me, you know that I hate being ripped off and I’m an extremely frugal person. My one friend calls me Miss Cheap because there’s nothing I hate more than wasting my money. So you can only imagine what a heart attack buying a home is giving me. It’s not so much the home cost, either, just all the other stuff that adds up like application fees and whatnot.
I’m sick of all this already and we’ve only just begun!
*cue Carpenters song*