Since I embarked on my journey to correct my credit so that I could purchase a home, I would occasionally browse Zillow.com to look at what was on the market, what I might be able to afford, and housing prices. About 2 weeks ago, I came across Greenway Farm, a new build community by Ryan Homes. I put myself on the VIP list so that once the community opened, I could go view the model to get ideas. The community opened April 23rd, 2016, which happened to be my son's birthday party. I called their office to find out that they would be open the next day for me to tour. I took my mother along...which was probably mistake number one. We absolutely fell in love!! After touring the house, the sales representative asked if I wanted to see if I was able to pre-qualify for the house. It didn't require a credit check so I said sure. Based on my income and self reported debt, I was good to go! He asked if I was interested in purchasing a unit. I told him I needed to think on it.
When I got home, I called my realtor, a family friend, to get her thoughts and ideas, She understood my hesitation and offered to see is she could find me a property that was similar in layout but cheaper. I let the day go by....still in love with the house. I had made an appointment with the sale rep to complete a purchase agreement just in case. At 6:30p, I met with him and completed the purchase agreement. I'm absolutely excited, anxious, nervous all at once.
My realtor doesn't want me to get too excited. I haven't met with a loan officer to have my credit run, so I don't even know if the house is really feasible for me. This Friday I have an appointment with NVR loans to do my loan application for pre-approval. NVR owns Ryan Homes and is their in-house lender. Depending on what they say on Friday will determine my fate in this home buying process. Fingers Crossed!!!
No comments:
Post a Comment