Truthiness Day 5: Home Sweet Home

Day 05 → Something you hope to do in your life.

I hope to own a house.  David and I have recently started doing our research on buying a home.  We are looking into first time home buyer programs, assessing our credit and our buying power, and checking out listings to get a better idea of where we would and would not live.  We have a real estate agent, a mortgage broker, and moderate dreams.  But we are worried that it won’t happen.  Two years ago the idea of buying a house wasn’t even on our radar.  We have no down payment saved up (although we aim to do that in the next year).  We make just a little too much for a CalHFA loan (which would help with the down payment) but not enough to be saving money for a house at the moment.  And if the market recovers before we are ready to buy, the houses that are currently within our financial reach probably won’t be anymore.

We are both scared shitless because OMG buying a house is a HUGE deal.  We’ll owe hundreds of thousands of dollars to the bank.  We need to make wise decisions and plan and know whether this house will be our home long term or a starter house or what.  We are considering our jobs and the likelihood that we will stay with them, or at least continue to commute to the same area for the foreseeable future.

We want a home.  We want roots here in the Bay Area.  We want a place where we can plan our future and build our family together.

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