Hunting The Muse

House Status

So, since the offer got accepted, I got worried that the living room wouldn't hold the grand piano I want to buy. So I went by with a tape measure to do some measurements and had my fears allayed. We came up to the house at the tail end of an open house, which was weird. But it turned out it was just because the open house had been scheduled before they accepted the offer. And they're probably trying to keep interest drummed up in case I, as a first-time buyer, gets cold feet and backs out (I won't), or if the home inspection craps out (hope not).

Then, the next day my mortgage broker called me up and said that he's transitioned to real estate sales and wasn't up on the products as much as he used to be, and didn't feel like he could offer me the service I deserved. This is the guy with whom I had my preapproval. So I had to do another round of mortgage broker hunting, which I wrapped up after two days. I'm pretty sure I know what I'm going with now. Now I have to decide when to lock in my rates. I might just do it tomorrow. The loan sounds great, with a rate better than I thought and a payment lower than I planned for.

Even though I was preapproved, I have been looking long enough that my previous credit scores expired, which means they have to run my credit again. I didn't realize that either - and, since I'm self-employed, they want to look at my bank statements again, which I didn't realize. I don't like that because I've actually been holding some checks, which makes my income appear lower than it actually is, because I'm waiting to set up a new bank account somewhere else. So, that kind of sucks - it could mean the difference of a quarter or half point in interest.

Next up is the home inspection, on Monday. I've got all this anxious energy now - I just want to move!!

And I want my piano! I've been away from Chopin and Ravel and Prokofiev for far too long!

Posted by Curt at July 28, 2004 01:24 AM