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MzMia -> RE: ONE goal, dream, challenge, objective for 2009 (1/1/2009 8:22:32 AM)
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quote:
ORIGINAL: windchymes Well, I have been working toward a goal for the past almost 8 years now. Since I had to sell my former home as part of the divorce, I swore that someday I would buy my own house, on my own, all mine, and no one could take it away from me......except the mortgage company, lol. In the past eight years, I have taken four different jobs (in the same field, just moving up), had several second jobs, moved six times, the last move to another state a little over a year ago. I have lived in some really crappy places while cleaning up my finances and my credit report. I have finally settled in Northern Virginia (waving to Mia). One of the reasons I moved down here is because of how the housing market was dropping, and dropping, and owning my own home seemed like it could be a reality. My job has worked out great, I'm happy there, and I'm making almost double what I was making at my former job a year ago. I've cleaned up my credit. I got pre-approved for a mortgage and started looking. Unfortunately, the amount I was approved for was pretty low. Nothing gorgeous in that price range, but a few with potential. I got outbid a couple times. I walked through homes that were pitiful in their state of disrepair, some with trash left behind by those forced out by foreclosure, a few even vandalized, not to mention the cockroaches and the backed up toilets. [:'(] But I kept looking, and the deadline for when my lease was up was approaching fast. I found it. A 3-level townhouse/condo, 3-bedroom, 2-full, 2-half baths (FOUR freaking bathrooms!), cathedral ceilings, hardwood floors, fireplace, second-story deck, close to a major interstate, but still in a nice neighborhood. Exactly the amount of cosmetic fixing up that I had been looking for. I took a gamble, based on the trends, the comps in the area, and my gut feeling, and sent a low bid, which they agreed to and also agreed to pay half the closing costs! I've been on pins and needles, waiting to hear if all the inspections passed, and if I would get final approval. I did. Got the word today! I'm buying what was worth over $300K a few years ago for a little over $100K. And as long as no surprises come up, the settlement is Jan. 8, 2009. So yes, I had a goal for 2009, and in a week, it's going to be a reality! When the last paper is signed and those keys are in my hand, you're going to hear a big, screeching, "I DID IT!!!!" echoing through the hills, lol. Congratulations windchymes! I had no idea we were neighbors![;)] I found your post so darn inspiritional I am certainly going to read it many times. Your hard work, dedication, and determination has paid off!!!! I have a similar goal, to reduce my debt so that I can buy a modular home. I think your story should be a "must read" for many of us dealing with housing issues these days. THANK YOU so much for sharing your story!!! Good luck with the closing next week! This post has indeed brightened my day![;)] You are a poster child, for ONE goal, dream, challenge, objective![sm=champ.gif] Happy New Year to you, windchymes!!!!!! [sm=applause.gif]
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