I’m buying a house.
Okay, well, Adrian and I are wanting to buy a house. A loft. A small one.
I heard your collective gasps, those who have bought a home before me. For those who haven’t–beware. Buying a home while self-employed is like trying to put mascara on a giraffe. Sure, you can do it eventually, but it’s going to take some serious shit to get there. Hope you brought your ladder and come-a-longs, ho, that Revlon is in for a fucking ride.
While, yes, fundamentally, I understand this is not the Bank’s fault, and the fact that a good 1/3 of the country being in foreclosure makes it more difficult for anyone to get a loan, it’s equal parts frustrating and baffling. Though we make good money, are not looking for anything even close to 100% financing, and have excellent credit, we have not been employed in the same city for 2 years.
To the banks, this means we are heathens. We’ve already been rejected by two.
It’s also sending me into an OCD Anxiety Meltdown.
We’re in the final stages of underwriting. Leading up to this, we’ve turned in P&L’s, Taxes, Affidavits of Credit Checking (as Adrian’s car was stolen 2 months ago and we’ve placed a trace on his Social Security Number for now), Utility bills, Inspection Reports, and the tears of Guatemalan children saddened by the plight of the mayfly.
This is getting a bit like the whole TSA debacle. Yes, I fundamentally understand the need for the nudie pictures and the crotch groping, but I also understand now what it’s like to be on this side of it. A little crotch grope here, a tit squeeze there, and BAM. You’re a terrorist. The bank’s doing a hell of a job running their hands over Adrian’s crotch, but we won’t get to end this little bump and grind with a vacation.
I understand why Adrian and I are considered risky in the eyes of the Bank, especially considering the loan environment, but it’s painfully embarrassing to consider yourself ‘blessed in the self-employment area’ and for banks to tell you no.
We’re supposed to find out tomorrow if we get it. We’re also supposed to close tomorrow.
We’re supposed to be out of our apartment, house or not, by next Wednesday, because we’re tired of living in a place where the cops told us, “You should move. Soon. It’s not safe here,” when Adrian’s car was stolen.
I have not packed a single box. Neither has Adrian. We’re not even trying to. We have no immediate plans to do so. We come home every night as though we’ve never even considered moving.
We’re both fucking terrified. It’s like this isn’t even happening–we’ve been in a state of limbo and self-induced impending homelessness for a month. We’re both just ignoring the fact that we HAVE to move no matter what, for fear that if we start packing, we’ll get our hopes up and the Bank will notice and rain down rejection from the heavens like so many fearsome thunderbolts.
Half our shit is still in boxes from the last time we moved. But we have no truck with which to move. We have no tape. We are unprepared and I am scared to fucking death.
Our realtor even got a notification about a loan for a customer he does not have. That man was approved.
An imaginary man was approved faster than we.
In one week, it will mark the 16th time I have moved in 12 years. Adrian has, barring a house in college, lived in one home growing up. The jealousy of that kills me.
While ‘home is where the heart is,’ and family is what matters in making a home, I want a real home for once. I want a place that’s all ours. I want a place where I can paint the way I want to, and live how I please, and sit on my balcony and be peaceful and come HOME to a HOME. I’ve moved so many times that houses are flippant objects, to be discarded and unremembered as you bounce from one to another, temporary places for your stuff. I’m tired of that.
I want Adrian to say to me one day, “I’ll be home soon,” and know it means something bigger than a shitty apartment where I happen to be.
Sometimes, I’m not funny. Sometimes I’m terrified. And embarrassed. And procrastinating.
Update: Since this post, we have not closed. We have been notified, however, that Fannie Mae will probably not let us move into the loft, even though we were approved for it, because the HOA is under quite of bit of interesting litigation. We have packed all of our stuff, and are in the process of unpacking it or putting the boxes into closets so we no longer live in a UHaul maze. Though we will probably not get the house, it’s under good terms–if the HOA is in trouble, we don’t need the place.