After deciding to stay in the USA for the unforeseen future we began talking about if we should invest in a home. We've always rented partially because we planned on going overseas and we didn't want to be tied to a mortgage. Now that we're settling here we wanted a place to call home that could eventually translate easily into a rental property if we decided to go overseas. We haven't navigated house buying territory at all so we wanted a clear picture of where we were at before we made any kind of decision. About a week before Zara was born Neal met with a lender to see what we could get pre-approved for. They met on Thursday and we were pre-approved on Friday. At this point we were anxiously awaiting for Zara to be born and we didn't think we would even look at houses seriously for at least several months if not a year. At the same time we wanted to be prepared to buy if something came up. We talked with our real estate agent and he sent us a listings website. I searched just out of curiosity and fell in love with the first listing I saw. We went to look at it the next day and it really was everything we could have hoped for. Literally. We had a list of "must haves" and "would likes" and it checked off on every single item on both lists. We put in an offer the next day. 2 days later they counter offered, we accepted, did an inspection and now we're just waiting to close on May 15th.
All of this was such a crazy whirlwind. It all happened the week Zara was born. She was born the day we were supposed to meet with the house inspector to go over his report. It's been a quick process with lots of tears from me. I'm a slow decision maker and it's hard for me when something feels rushed, not to mention I was overdue and soooooo hormonal (still am). Yet, the more we prayed about it the more we realized that it was perfect for us.
I never ever thought that we would own a home. Really. One, I didn't think we'd ever be able to afford it. Two, it just seemed like a really big deal. Three, I thought we'd always be moving from place to place. So one, after talking with our lender we realized how doable it is for us financially and thanks to my hubby's hard work with maintaining our credit we qualified for a really awesome program making our down payment and monthly payment super affordable with relatively low interest rates. And two, a purchase this large shouldn't be taken lightly but at the same time multiple friends of ours (whom are older and we respect a lot) have reminded us that it's not as big a deal as we were making it out to be. It's not a permanent decision. It's not a marriage or a child. It's a home - that can be sold if need be. Lastly, I still can't believe we won't be moving from place to place for who knows how long. Really, I don't think I've grasped it yet.
Our new home is in the city. This is scary for me : ) Our neighborhood/street is really family friendly but the surrounding ones...not so much. We've met a few of our neighbors and are excited to get to know them. A lot of young families are moving into that area because housing is so affordable and we're hoping things just get better and better. I've never lived anywhere remotely urban. Neal is so very comfortable in the city and it really is a dream for him to live there. I have a lot to learn and though I get nervous I'm excited at the same time. This city is where we fell in love and it's surreal to be calling it home. We'll be minutes from favorite coffee shops and restaurants and a ton of places that are just bursting with memories. We're excited : )
This is our home. I'm excited to share it with you. It's more space than we've had before so I'm thinking it'll be pretty barren for a while as we slowly collect furniture and pieces we love. We're excited about thrifting and browsing through yard sales. The red door charmed us right away : )