It's been the better part of a year since I imagined myself buying a home. The house behind where Zippy and I live was foreclosed - and I thought it might be a steal (and be a way to move out but stay connected). I did not get too far at that time, but the seed was planted. I spent much of the summer house hunting, and the past few months biting my nails as I waited for the mortgage to come through. And today, I closed on a condo in New Britain.
The past 24 hours had a small bit of drama. My mortgage broker called last night with the final settlement number - it was within the good faith estimate, but it seemed about $1000 high based on my calculations. I fretted a bit but did not panic, mentioned it to my broker, and this morning when I went to go over the numbers, I was proven right - the lawyer had added in some money for points which my new mortgage did not contain.
And after a grey but dry morning, I emerged from my office at 12:30 pm to a torrential downpour - so I arrived at the walk through soaked. I dried out en route to the closing (in East Haven) but the ride down (following my real estate agent in her zippy Saab) was nerve-racking (I need new tires, so was a little concerned about hyroplaning). Closing was pretty calm - I met the seller, and in a room full of people (two lawyers, two brokers, a buyer a seller, and my mortgage broker) I signed and initialed about 100 pieces of paper. And bought a condo.
After the closing I dropped by (in the rain) to empty my car (vacuum cleaner, some kitchen stuff from my office, my yoga toys and some musical gack), and then went to Target where I dropped $100 on house ephemera: garbage cans, light bulbs, cleaning supplies, laundry rack.
Zippy, our friend Pat, and I went over tonight after dinner - Zippy and Pat played pool (getting it in before I find a home for the table) and I unpacked more cleaning supplies, put some carpet freshener down and vacuumed the whole place. I have a lot of cleaning and organizing to do, and lots of moving.
I'm in the old place for another week or so - Nov 7 is the projected "big move" day.
But....yeah. Happy. Relieved.
In other news - I get a call from my primary credit card tonight. They were informing me of the new credit rules (and, I think, trying to sell me on keeping the "honor overdrafts and pay the fee" stuff, which I declined.) But in the process of that, the woman on the phone mentioned a credit line that was $4000 higher than it has been, historically. And so I checked tonight (as I updated my address to the new place) and indeed - my credit limit has been raised.
Does being a homeowner and having a mortage (which is at this point all of 9 hours old) automatically boost my credi-worthiness? I dunno. I am so not gonna come close to that extra credit limit, that's all I know....