Thursday, October 10, 2013

Displacement

It's time for me to be completely honest. I haven't been updating because we've been trying to buy a house. We decided last May that we wanted to get the search on, out lease was up July 31st, and wanted a fast turn around.

First we went to get a mortgage. I didn't want to set our expectations too high, so I wanted a ballpark of what price to look at. I planned to put a set amount down, and we got what quote we should look at. I didn't want to be put in a situation where we found a place, loved it, and told we couldn't afford it.

The first house we looked at was perfect. Good condition, much bigger than we expected, and right in the quote we were given. We made an offer, and the bank came back and told us that we couldn't afford it, set our quote for what we should look for down, and that we had to put three times as much as I had put away. I was furious, on top of that - I wasn't allowed to give Sean money for a down payment (since they wouldn't put me on the loan) because we weren't 'family.'

I'll save my rant about that for later.

The second house we looked at was doable. We didn't love it, but it was just ok. Made another offer, the seller rejected and we dropped it. The third house was unexpected. It was large enough, the right number of bedrooms, only one bathroom (bummer, but oh well), and right in our new price range. Again we made an offer, and the bank told us suddenly, we couldn't afford that either!

I was refered to a mortgage office, rather than a bank, and our offer was expected. It's four bedrooms, a HUD home, some minor repairs, and was told by HUD that there was some lead based paint issues. It would take about 4 weeks to complete.

Work on the house started July 31st. And guess what. We are now on week 11 of work being done on the house, no one will give me information, and our apartment told us that we had to sign a new lease or give a move out notice.

In three days we are moving out, not into the house that we have been busting to get since July, but into Sean's parents house.

I started using the term 'homeless' because technically we are now eligible for habitat for humanity, but I think its better to think of it as 'temporary displacement.' We are moving into a corner of the basement that is about as large as our current bedroom with eight other people in a two bedroom house.

Coming to terms with this has been really hard for me. I've been pretty independent for the past four years, and have done pretty well for myself. Sure, we're low-income, riding the poverty line, but I'm happy with how I live my life. It's not fancy trips to Disney every year, but we do get treated by my family. I always have a place to stay in California if I want to plan a trip, I always have a place to stay in Virginia, and I always have a place to stay in Indy.

Most importantly I have a place to stay with Z and Sean. I'm going to try and not complain.

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