On the road to buying a house: house hunting
Posted by Magdelyn on December 1st, 2009Over our Thanksgiving holiday Chris and I got the chance to do some house hunting*. We took the early flight into Pittsburgh and arrived around 930am and by 1030 we were meeting with the realtor. There were 7 (yes, SEVEN!!) properties on the itinerary and only about 2 hours to cram them all in.
Remember the house I posted about a few weeks ago? It was the second house we got to see and I pretty much fell in love immediately. It had a pretty open floor plan, 3 HUGE bedrooms, and tons of closets and storage space. I was pretty much ready to call off the hunt right then and there. Luckily my dad was along to be my voice of reason and we kept moving along.
The second to last one was the other one that left an impression on me. It also had a fairly open floor plan, an attached garage, and an ENORMOUS finished basement. Right now though the house is a total bachelor pad. We would probably have to dump quite a bit of money into getting the carpets cleaned up or even replaced (more than one guy living in a house=total slobbery). And it was the most expensive out of the seven we saw. Still, it’s a high contender for us.
Since my mom wasn’t able to go along with us the first time around, we met with the realtor again on Saturday to look at the 2 we liked a second time. Except the people who are living in place #2 are a bunch of assholes and refused to show the house so we couldn’t see it again. It gave me second thoughts regarding the place. The people who are currently living there are renters, and the owners are in Peru. I have a feeling the renters are kind of being kicked out and I could see some legal drama surrounding the whole thing. Yikes.
We also stopped at another place between House 1 and House 2. It’s pretty much exactly the same layout as House 2, but it’s still under construction. Which means if we were to purchase it we would get to pick out everything from the floors, to the cabinets, to the door handles and bathroom fixtures. Suddenly House 3 is the highest contender. Although it would lead to loads more bickering down the road, for the time being Chris and I agreed that we both liked the idea of a brand new house best.
We were very excited to get back to Chicago and get started on the pre-approval process until: SETBACK. The realtor emailed Chris and said she had spoke to their pre-approval department and informed us it would be virtually impossible to get a pre-approval for a loan in Pennsylvania while we were still employed in Chicago. Obviously our salaries in Pittsburgh would be slightly less than they would be here in Chicago and until we have jobs there’s no way to really determine how much we could afford loan wise.
I have been researching about first time home buying though and did discover there is a difference between Pre-qualification and Pre-approval. I’m wondering if I could still get a pre-qualification just to give us a ballpark estimate just to make sure we’re definitely seeing houses in our price range. Honestly though, the whole process with interest rates and the tax credit thing has my head spinning. I hate numbers. I have a really bad habit of not caring how much things cost if I really want it and I have to get out of that mindset. Fortunately my dad has a knack for finances so I’m sure we’ll be relying on his help a lot in the upcoming months.
So right now we’re kind of at a standstill. We need jobs before we can move forward. We need somewhere to live if we get jobs, and we also need cars to get us there. Sigh. I’m sure everything will fall into place as it should but when I want something, I want it right now.
Patience is not a virtue I possess.
*I brought my G10 to take pictures of all the places but I’m a schmuck who also forgot to put a memory card in it. Whoops.
**I also have something I’m dying to share with you all but I don’t want to jinx anything. Until I actually know anything, I’m remaining mum.
PS. BIG thanks to Matt from Life Without Pants for guest posting yesterday. If you have any thoughts, please jump on in to the discussion. We’d love to hear it!







