Going into the home buying process after the first round of disappointment was hard, very hard. We decided that we really needed to remember that when things don't work out the first time that you should still try again, get make on the horse, etc.
So we went to our local bank, had a meeting, and once again got pre-qualified. This time both of us qualified and my husbands credit score was even higher than mine! We were cautiously optimistic when told about the possibility of a rural development loan that was 100% no money down, once in a lifetime kind of awesome. When we got the call telling us we barely qualified we were ecstatic.
We began looking at homes and found quite a few that we liked. We looked at one that would fit our needs for size and school zone, but the disclosures listed the water heater, a/c units, and some other things were a bit on the older side. Thinking towards the future we decided to keep it on our list, but kept looking. We found another house that we really liked and made an offer on it. The counter offer came back at full price so we decided to pass on that home. Once we did the real estate agent from the first house asked us to make an offer on the house we had seen with the older disclosures - so we did.
We met in the middle price wise and felt really good about everything. The repairs came back and listed nothing serious and they agreed to fix the whole list! Not only that, but they agreed to pay for a home warranty to cover some of the items we had been worried about the ages of. It felt like a simple dream.
We had to have an appraisal done to fix some of the other repairs and they agreed to have all those done also. Our loan officer emailed us that our papers had been submitted to the government on the 31st do we were sitting pretty. Both my husband and I were offered new jobs and new positions within our current employment and we felt excited that all of these new prospects were opening up for us. How can so much wonderful happen at once??
The week of closing came and we were really getting excited! Then the bad news... the mortgage company had encountered a computer glitch.. a glitch in which our file had never been sent to USDA in the first place. Which started the two week process of waiting all over again. It's funny how you think that everything is going smoothly and then a problem arises and it's something that no one has ever heard of happening before. It begins the "why me" syndrome.
It's something completely out of your control. One of those moments of clarity when you realize that you can scream and cry or you can take a deep breath and realize that you have no control, except for your own actions. Remember it's a conscious choice how you react to disappointment. Try to see each disappointment as a challenge to your own commitment to happiness. You can succeed!
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