Highs and Lows
We’ve been watching the housing market around Moncton for about three months. First it was just browsing. Then we bought some books about home buying. Then we came up with our list of wants/needs/hates. Then we started actually tracking a few homes. There was one beauty that really caught our eye. Seemed to fit all our wants and needs, fell into the price range we thought we could afford. Time to ramp it up.
Last week we met with a mortgage counselor. The initial chat went well, she didn’t seem to see anything scary in our answers. Nice, since the $70,000 debt and lack of employment freak us out a bit. But I think we all agreed that – if we can afford almost $2,000 a month in rent in Toronto – we should be able to afford both mortgage and student loan payments in Moncton. But thinking it and knowing it are two different things.
Two days later, we were starting to get a little worried. No word yet from bank. Maybe the computer couldn’t be convinced we were good people who’d work hard to pay back the money. Then, just as we were about to go out for the evening, we got the news. Good news. We’re approved for the amount we thought we could handle.
We turned our dinner out into a celebratory one. Called the folks at home to share the good news. Started making plans to have someone in Moncton go check out the house we’ve been eyeing. Everything was happy. I was pretty much literally skipping down the street.
Fast-forward a few hours. We come out of the movie theatre, and the partner checks his voice mail. A message from home. Watching his face, I know something is wrong. I’m worried about family, thinking there’s an illness or an accident. Nope. Through casual conversation that night, one of his parents met the person who just bought the house we wanted.
The walk home did not include skipping.
The night ended on another high, though. At the end of the evening I checked my email – to find that I’ve got a job interview for my ideal position in Moncton in a little under two weeks.
We got the mortgage. Someone else got the house. I got the job interview. Now I'm scared someone else will get the job.
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