What? ME owning a home?
This whole home-buying process is mysterious to me. My credit score is VG; I make enough money. I THINK I get bonus points for being a woman and a first-time home-buyer... I turned for advice to a former co-worker, also a single woman, and who makes less money than me---she was approved a couple of years ago, and she gave me pointers for applying. Tonight, I finished sending off all pay stubs and W2 forms to the lender.
We'll see what comes of this.
A year or so ago, I thought I'd stick it out at my current apartment. And then when/if I ever got an inheritance, I'd use that chunk of money to get a small house or condo...
But over the past 6 months or so, I've been feeling almost constantly irritated by my current apartment. It's big enough (1200 sq ft). But then there are the neighbors on all sides, and the maintenance guys in the next-door room. Oh, yeah, and the fact that I just got through living without ANY water for 9 DAYS, thanks to the apartment's decrepitude!
I won't have to deal with listening to maintenance guys once Wuhan is over and I go back to regular work instead of working at home. And the huge water crisis probably won't happen again.
But the fact remains: This apartment has no views at all. I see my neighbors' air-conditioners out of my large front windows, and I see two stories of neighbor apartments whenever I go into my small backyard. It's claustrophobic. And plus: There are the un-fond memories of firecrackers exploding, and gangs of people hanging out at all hours on balconies and by the pool (back when the pool was open, pre-Wuhan), and the girl who lived on her stoop above my yard and took selfies all day... And then today, I was bringing groceries in, and a girl's big-ass German shepherd nearly jerked off his leash while snarling at me... And then the memories of the autistic kid and her mother yelling at me, and of the weird loud guy yelling outside on the phone some days, and then on other days insanely claiming he'd rescued my packages from thieves... And all of the obnoxious kids screaming outside my windows...
I've pretty much had enough. I'm too old to be living around the ongoing bullshit of poor 20-somethings and poor 30-somethings with kids. (My complex has a mix of units ranging from efficiencies to one-bedrooms to two-bedrooms with yards---when I moved in to the upper end of the apartments in 2017, I was too busy being excited about the space and the yard to stop and think about what living around 20-somethings and poor 30-somethings and their kids stuck in tiny rooms would be like.)
Short of it: Mid-March, I have to give notice if I'm moving when my lease is up in mid-May. If the home-loan doesn't go through, then I'll probably still move---I feel stifled. And, luckily, I have enough money to change my circumstances if I so choose. (Though it's SUCH a pain to move once you actually have furniture and books...)
Whatever the case: I'm bored and stagnant. All I'm doing is spinning my wheels and complaining, which isn't healthy. This time, it's not the job or any person. It could be me, but for now I'll just "blame" the place---time to try out a new one, and if said "new one" is my own home, all the better. It's about time I had a big new project to work on. And I want to be responsible for wrapping my own pipes.