My brother closed on his ‘new’ house today. His mortgage is $950 a month, which seems pretty expensive for a 168k 2 bdrm house.. especially in a market that’s supposed to be so cheap.. but you add in $190 taxes every month from the city, and home insurance and the monthly price skyrockets to $1300.
Upon hearing that, I knew Thomas and I wouldn’t be able to afford anything in this area that wouldn’t be either a run down rat infested shit hole, or the nicest house in the ghetto.
That was after things were finally looking up with the whole credit situation.. kind of. We figured out if we just didn’t put my name on the loan, we’d only have to pay one of the bills in collection for Thomas equaling $150, and we’d be approved.
Then comes news from the real estate agent that we’d have to have 1% of the total loan in our bank account (I do, Thomas doesn’t), and if we actually found a house we could afford, we’d have to pay for an inspection ($300), an appraisal ($500), a ‘good faith’ payment to hold the house (about $500).. among other fees. That’s a lot of money, BEFORE even getting to closing costs and beginning to pay your actual mortgage. All money we do NOT have.
This all happening on the day where i’m sitting downstairs freezing my ass off because of how drafty all of our windows and doors are and the heat is turned up to almost 80 freaking degrees. So now what to do? We do NOT want to stay in this crap hole.. but moving into another rental unit, that will almost definitely be smaller just to have a less crappy place doesn’t seem all that appealing either.
If we’re going to move.. we want to move into a place we plan on STAYING at. Moving all of our crap with a small child and 2 cats only to have to move again seems totally absurd.
A huge part of me is incredibly jealous that my brother can move into a house and we’re stuck in this crap hole- even if I would have never bought the house he did.. it’s still a house. Something to call his own. It just feels like it’s never going to happen for us at this point.
Our lease is up in a little over a month and we have no idea what we’re going to do.
Finding a rent-to-own would be a perfect option, but let’s face facts.. there aren’t many of those around these days. People want to just sell their house as quickly as possible and be done with it.
I really don’t know anymore.. I’m at a serious loss.
Have I mentioned lately how much I hate the holidays?
@Julieannefiu I still sing WRAPPED UP LIKE A DOUCHE. I think they're lying about the "real" lyrics
I sang SO many embarrassingly wrong song lyrics with such confidence. pic.twitter.com/Ww5TaAxY3r
@AndreaPerez0217 Not that I'm biased, but I highly recommend ;) Hope you enjoy!
Parenthood: you think it's gonna be all hugs & booboo kisses, but it's really cooking food everyone hates & scraping boogers off of walls.
School system: Here! Have a half day on Friday the 13th! Me: pic.twitter.com/Dy18C8R3dD
Spooking the Kids Without Scarring them for LIFE With Netflix! (and a giveaway!) goo.gl/fb/tkeWgB
I've never felt more in tune with nature than while watching my 8yo barf in the front yard this morning like a wild animal. Such majesty.