Technically I’ve owned a house before, but things were very much different then. My ex’s family built us a house, and we really didn’t go through any of the joys (or frustrations) that accompany that process. Mostly everything was handled for us. We just showed up to sign the paperwork. Because of that, we had fewer headaches than the average homebuyer… but we also had a much smaller voice than someone who is responsible for every detail. If things weren’t 100% the way we wanted them, we felt that we really couldn’t make a big fuss because we were getting a substantial discount. That wasn’t always a blessing.
Fast forward 10 years and I am once again looking at houses, although this time success or failure is fully my responsibility. It’s kinda fun, and kinda frustrating at the same time. I have looked at a ton of houses online (MLS is a fantastic website!), and chosen a few that I wanted to see first hand. Almost without fail, my expectations were dashed as soon as I saw the house in person. People seem to be very talented at taking pictures (or not taking pictures) that leave out some very glaring problems. Sometimes I even question whether it’s the same house or not. The only exception so far was a place that was listed for sale yet had an accepted offer in the works. Too bad. It was a nice little place, in a part of the city that I had never been to before, and really felt as though I had somehow stepped outside of Saint John. The real estate agent dealing with that property promised to call if anything happened to the accepted offer. There has been no call. Oddly enough, there has been no call even to see if he could help locate another house. I guess he wasn’t interested in my business.
But really none of this matters at all if I couldn’t convince the bank to cough up the money to buy a new home. And with my previous credit difficulties, I wasn’t really sure what would happen. Client of the Year, or no Client of the Year… my credit is in the rebuilding phase, and the real estate landscape has changed dramatically in the last few years. Nothing was for certain.
It was time to make a call to the bank!