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Home Buying 101

You may be wondering what could have inspired me to start this blog now.  Why, after nearly four years of marriage most of which filled with moments of pure rage that would be either hilarious or frightening to an outside party, would I decide to start publishing our (mis)adventures. The answer is simple, yet two part.  1) I need a way to vent before I develop a stomach ulcer and send myself into an early stress grave. 2) $32,500.  Why that exact number you ask?  Because that is exactly how much over our maximum budget I am paying for a new home for my family.  Let me start by saying, that regardless of what gets vented in this blog, I love my wife.  If I didn’t love her I’d be telling these stories seriously to an attorney, not humorously to the internet.  She is a stay at home mom to our two beautiful children.  That being said, my income is the only one to pay for a house, therefore I set the budget at what I felt comfortable paying for.  After a day of searching, our choice was all but set in stone: a beautiful, 4 bedroom, 2 and a half bath, spacious living and dining room, and large bedrooms.  All this, and below budget, which would have left us roughly $7,500 to upgrade appliances.  I thought we were about to build our dream.

 But wait, there’s more.

Before we signed a contract she wanted to make sure we explored all of our options, this is a valid point so I agreed and off we went.  We had our Realtor take us to a neighborhood that my wife had been told about by her parents (red flag, danger Will Robinson) that I immediately knew was going to be out of our price range.  I didn’t think this was going to be a problem, because any logical human being (except for the idiots that signed up for sub prime mortgages knowing damn well they couldn’t pay for them… but this isn’t a political blog, and there were a lot of predatory lenders that tricked a lot of people, so I’ll give this one a slide) would not want to be in a home that they couldn’t afford. I assumed my wife would walk in, get her dreams crushed, and walk out.  


Somehow, in a whirlwind split second of us walking in, my wife had already decided that she wanted to live there, no matter how out of budget it was.  The home builder had a house that was already in the framing stage, slated to be built with every possible upgrade, that someone had signed a contract on, but lost their job half way through the build.  The house, a 5 bedroom, 3 and a half bath two story, somehow managed to clock in around 600 square feet less than the house I wanted.  I say “somehow” but what I mean is “with it’s tiny ass living room and no dining room at all.”  Also, we don’t need 5 bedrooms.  Remember the two kids thing?  Those two are the only two I ever plan on having. Ever.  If you need to understand why, just babysit my son for a couple of hours (seriously, please babysit, we need a date night badly).  But somehow, after that initial whirlwind, and a walk-through of the framed home (and one of the stankest poo diapers my daughter’s ever had in a public place) there I was, signing a contract for a house the was $32,500 over my budget.

Act now and we’ll double your order.

Haven’t even reached the best part yet.  Not even close.  Remember the reason I said we looked at this place to begin with?  Her parents told her about it… Want to know why they told her about it?  THEY JUST SIGNED A CONTRACT TO BUILD A HOUSE IN THE SAME DAMN NEIGHBORHOOD.  I think the term I’m looking for is “hoodwinked.” (or premeditated… but I’m too pretty for jail.)  Normally the good news in it (if there was any at all) would be that they will be living three blocks over.  However, since my soon to be new home is in the framing stage, and makes up the third home in the entire neighborhood, I can literally look out of my kitchen window, and will have a direct, three block long, line of sight to my in-laws house.  Can nothing quench the joy swelling inside of me? [sarcasm]


In conclusion, I present to you a list of the compromises made by my wife:

Oh… Wait…

I will say that the house was picked out with every possible upgrade. And if we were to try to build that particular house without someone else starting it then losing it, it would have been almost $90,000 over our budget.  So, there’s no denying the deal we got… I just really would have preferred not to have gone $32,500 over my budget and be house poor because of my damn wife.