You know how I was packing that suitcase to travel, without even having a plane ticket? Well, Zsolt and I spent last Sunday doing something pretty similar to packing. We went and looked at houses.
Not that we have a mortgage. Nope. If you look at the standard list of what two entrepreneurs need to be approved for a loan, we barely squeak by. Chances are, if we were to wait one more year, we’d have more savings and a great chance of approval.
But logic has no place in the search for home. And while I’m feeling quite okay with renting, my husband has had his heart set on property for a very, very long time. Plus what the hell are we waiting for, except per-approval?
The other day, we had to call the bank for something to do with taxes and accessing accounts or whatever. BORING! From that conversation, the customer service fellow suggested Zsolt’s business might be interested in acquiring a ‘pre-approved’ credit card. Would we like to apply?
We do our banking by speaker phone, so that we can both listen in. Now we were miming our responses to one another, him doing the maybe face, me doing the no way head shake. I hate these slide-it-in promotions. My first and strongest instinct is always to say NO. But not my husband, and since we had considered a credit card for his business in the past . . . somehow, between his ‘why not’ hand raising, and my ‘ahhh, well’ eye brow raise . . . we ended up being transferred to the credit card department.
And spoke to another customer service guy. Long story short, we got the credit card. But the real point to that story, is the credit card guy was like ‘oh, maybe you’d be interest in talking to our mortgage people?’
And I was like NO WAY and Zsolt was like, why not? (All silently mimed, once again), then I was like, oh yeah, okay … and so a meeting was set up so we could chat with someone from the bank. We had that meeting, realized it was ‘maybe yes, maybe no’ in terms of possibilities… and decided to wait a little longer before applying.
BUT. I have to say. . . somehow, even while not being pre-approved, we ended up checking out open houses last weekend.
You know how shopping feels so good? Well house shopping feels fantastic. It’s a date, day trip and adrenaline rush rolled into one! We drove around Mississippi mills and the sticks looking for places. We found an area we rather like with water to canoe in and a forest to explore. Now I guess we need to find the money.
But every good thing needs a starting place. Whether we buy this year or next, it’s good to start.
That is all.