People kept telling me I would walk into a place and say, “Yes. This is it. This is where I live.” They told me to envision it, to let myself want it. It sounded like a bunch of mystical hoo-hah to me. I’m a practical girl, and my job was to weigh the various pros and cons of each property. This was not supposed to be a gut-level decision. It was rational. I was to consider commute time, neighborhood safety, condo involvement, how much rehab I could manage, and what I could make work on my meager budget.
Today, I saw the light. I stepped over the threshold and felt my knees go weak.
After a couple of months and a couple dozen places, I know now what they meant. I have never before had such a rush of rightness. Even the townhouse in faraway land whose sweet opportunity I chose to pull a few weeks back because of the distance was still just a shrug-your-shoulders “Nice.” I kinda liked it. I could have made it a homey place. I had a warm feeling about it, sort of like having a pleasant conversation with a stranger at a bar and maybe being happy to see him there again next time, but never really wanting to give him your number.
This? Oh, man. This is love.
This condo complex less than a quarter mile from Tee’s house. Bug and I could walk over to his daddy’s on any given day. It is in his current school district, only 2 miles walking/biking/busing distance from the metro, a hop over to I-66, and a block away from a park. The front door entry is on the first floor but because of the construction on a slight hill, the balcony is up a level. I won’t have to schlep groceries up stairs yet my deck stuff is also safe.
Inside, is everything and more. Spacious kitchen with new appliances and cabinets, bamboo floors, huge dining area, nooks for an office and a den, a fireplace, two bedrooms, a view of the complex’s picnic area. . .
All of this is at a price I can just about afford.
My realtor and I jumped on the freeway and roared back to her office to subject ourselves to the torture of contract writing. We decided that getting in the night before Thanksgiving would give me a leg up on the competition (those slackers, all so busy stuffing turkeys and missing their chance!) The property is a short sale requiring twice as many documents and three times as many decisions, so we were working well past closing time. After several liters of ink, all the papers were printed and signed, and I had made my offer!
We headed out into the dark evening, both of us a little dizzy from the afternoon’s turn of events.
Events could go any number of ways, of course. The seller could reject the offer, her bank could require more for the short sale, my bank could appraise lower, the inspection could reveal martians living in the ductwork. I know all of the maybes here.
What I also know is that it is possible to find exactly what I want.
All my friends said it might exist. I thought they were Pollyannas. I am so glad they encouraged me to let go of my scarcity mindset and hold out for abundance. I don’t have to go home with the fella just because he’s nice enough. I can keep my heart open for the real deal.
What a joyous Thanksgiving. I hope the seller (a mom-to-be, I hear) is as thankful to discover this offer in her inbox in the morning as I am to send it her way.
Maybe next year, I’ll be stuffing a turkey my own self in my very own home.
Imagine that!
Tag: home ownership
Happy 100 Days: 67
A handful of new homes listed at 9:00 this morning. One in particular is in a neighborhood so convenient, it gives me the shivers. It is lined with trees and populated by a diverse mix of folks. Life there moves at just the right pace for us. A running trail runs right past it into the woods and over to a nature center, for goodness’ sake!
I had thought that part of town was out of my price range. This condo not only falls within the spread; it lands near the low end.
By the time I break free from my meetings and head over there, it is 2:00. My real estate agent tells me that the seller already had so many offers, she closed the door and refused to show it to anyone else.
Five hours!
In the span of about one week, this housing search morphed from a tentative learning experience to a full contact sport. My adrenaline going gangbusters. Every day a sprint against the clock. The moment my phone pings with the message that the MLS is live, I park my butt at the closest computer.
Today, the email arrives between appointments. I make a whiplash detour into a public library and log on there. The listings receive a quick scan. Google Maps spits out coordinates. The mortgage calculator chews on the numbers. Then, my zinging brain cranks out a list. The agent has it back in her box in 30 minutes. I squeeze in a few tasks for work and clear the rest of my day.
We are off to the races.
I make my way to any unfamiliar neighborhood and start walking. I talk to strangers, kids, dogs, squirrels, anyone who dares cross my path. I have made more friends in the past week than I thought possible. I’ve been hit on, been invited out for a beer, been told which units the cops live in. I have learned how to get around the old condo biddies who tattle on folks who store bikes on their patios. I hear what other people paid even before the agent has a chance to send me comps. The property manager at one place was feeling so garrulous, he didn’t realize he talked me right out of buying when he mentioned an upcoming renovation (“It’ll really increase the property values,” he told me. Yeah, I thought. Not to mention increasing the monthly fee right up and over my price range.)
All of this before the agent even shows up.
This game ain’t no season opener. We’re in the playoffs here.
I’m sure I can’t sustain this level of intensity for much longer. Eventually, the boss will grow weary of my absenteeism and my car will go on strike. I’m keeping my fingers crossed that I find a place before either of those things occur.
Until then, I’m pacing in the dugout, keeping my shoulders warm and my legs limber. This gal is ready to rumble. Wind me up, watch me go!
Happy 100 Days: 71
For two years, the restrictions have been a willful suppression of pleasure. The diet was imposed by uncertainty. Not knowing how long this journey through the desert would be, not knowing how long the provisions would hold out, required strict limitations on expenditure. That control became so second-nature that it barely required thought. It did, however, require a denial of sensation and a refusal to acknowledge desire or even pleasure except in the dark moments.
Today, a small but noticeable shift occurred. I was able to forgo grabbing lunch out not because I wouldn’t let myself, but because I didn’t want it. Same went for parking that 3/4 mile from the metro and crossing the distance on foot. I was excited to walk and to save that $4.50.
For the first time, I know exactly where my spare change is going.
The condos and townhouses I checked out in the past couple days are within my price range (more or less) and at least one looked just about right for Bug and me. In Northern Virginia’s hot real estate market, simply finding places to see is no small chore. I have visited eight homes on the furthest outer reaches of my commute, and that’s all she wrote. Those are the only properties listed. Can you believe it? Only eight two bedroom properties under $220,000 whose condo fees are in the vicinity of manageable are for sale anywhere in two of the largest counties in the state. And only one of those is both affordable and not a roach motel.
It boggles the mind.
At some point, I have to stop letting my memory wander around the lovely four-bedroom cottage on Lake George that Tee, Bug and I inhabited rent-free a little over two years ago. Or the three-bedroom split-level sitting on the hill overlooking Four Mile Creek in the middle of Pike National Forest in Colorado, when our nearest neighbor was a half mile away and we also paid no rent. No, no use picking at the scabs. Camp was a magical, bizarre chapter in my life. It is the past. This is the here and now.
Here, now: the one condo that has captured my attention. I can afford it and still have a little money left to buy a couch sometime in the next five years.
The place is tiny. It sits underneath a larger townhouse in a crowded community. But it is cute and it backs up to a small playground. It has a fireplace and room for a table in the kitchen. A deck just big enough for a grill and two camp chairs. New kitchen appliances. A bedroom each for my boy and me.
I returned to the neighborhood tonight after work. The commute is tough, but it is not as bad as I had feared. Also, it sits on a bus line that feeds my metro stop. So far, so good.
I walked alone through its cul-de-sacs and back lots in the dark. I saw families inside their kitchens eating meals. A couple leaning close on the front steps. Halloween decorations. Harvest wreaths on glass doors. Mums along walkways. I saw a few folks walking dogs, and a few women, like me, strolling alone in the dark even without dogs. I heard only the faintest traffic hum even though rush hour was roaring along one of the busiest arteries in the region just a block and a half away. I saw people driving with care through the neighborhood. I saw tennis courts. A community room. A pool covered for winter within walking distance along back sidewalks.
I saw places Bug could ride his bike. I saw a patch of soil where I could plant my own mums.
I am not sold yet. I have not fallen in love, but that’s no surprise. My romantic capabilities have always been a bit stunted. In matters of the heart and, it appears, the estate, I tend to delay immersion until I have a good handle on depth and currents. I am learning to see the possibilities here, though, and to feel the swell of pride in knowing I could do this on my own.
When I met with the real estate agent, I had my questions printed in bullets and ready to fire. She answered them all, agreeing to send me copies of contract templates and a few other items so I can be ready to rock when it’s time to put an offer down. Places we are seeing are only on the market 4 days, 5, before they are under contract and gone gone gone. One property that was listed Friday was already under contract by this morning. We have to move. It’s exciting, especially for someone like me who wants to read everything and ask every question.
That means I sit on the metro and read. I curl up on the living room couch and read. I have worked my way through three books on first-time home buying, one for condos and townhomes in particular. I understand concepts that were indecipherable even a week ago. Earnest money. Title insurance. Inspection contingency. I am learning what to ask. I was on the phone again with my loan officer today asking for further clarification on how HOA dues and condo fees affect the pre-approval.
So much to define, to absorb, to sort. So much to learn!
I can see that if I do this. . . no, when I do this, my lifestyle is going to look quite different. But before that, first this: a single mom living on an university administrator’s salary can own a home! She is not helpless or stuck. She can provide for herself and her child while also building a life that is sustainable for the long haul. She even may even be able to replace the cabinets one day and pull up that rotting deck and build something sturdier.
That’s why it was so easy to bring my lunch and walk the mile to the metro. It didn’t require an ounce of self-restraint. The pleasure is not in the immediate quenching of a passing thirst. The pleasure is in walking steadily towards the mirage, and watching with shivering disbelief as it moves closer, grows larger, and resolves into clear relief.
Yes, it is an oasis after all. Yes. It is real.
Happy 100 Days: 75
I haven’t even taxied down the runway yet and this home-buying mission is making me queasy. The loves ones say, “What fun!” and then tell me fifteen things to bear in mind when I start to look. The other loved ones say, “Oh, gracious, it’s so hard,” and then tell me fifteen entirely different things that could make me crash and burn. Meanwhile, the sweet little home I had tagged to see this weekend went under contract yesterday, and the two properties still open are even junkier than I had feared.
“Keep picturing the perfect place,” one friend says. “If you can see it, you’ll make it happen.”
Okay. Good advice. So, I peek out the windows and down through the clouds, whispering reminders to myself when the turbulence starts to make me panic. A small living room where I can move the furniture and dance. A nook for Bug to do crafts and make a mess. Plants in hand-painted pots drinking in the light from the windows.
This week, I made the command decision to shut all this off when I am at work. If I am not careful, it can seep in under the door and choke off the air supply. No looking at home listings, no checking emails from the realtor when I am at the office. My job is what makes all this possible, so I have to be here when I am here.
The phone rings. It is the nice lady from the free Mover’s Advantage program. Again. I ignore it. I am in the throes of preparing for the information session for the January qualifying exam for the students. This is the job, and this is where I direct my focus.
The qualifying exam is the threshold assessment the doctoral hopefuls take after they have finished their core courses. Those whirlwind four days in January will be the litmus test for whether or not they have the right stuff to continue in the program. At the info session, the PhD program director and I offer up a few pre-exam details to calm their jittery nerves and let them know exactly what will happen starting at noon on January 3. Our school has honed a system to a sharp(ish) edge over the years, and we try to keep it straight and clean for the students. The double-blind exam is administered in two parts, with a quantitative in-class portion and a written take-home essay. I proctor. Anonymous faculty members grade. Students sweat. Most pass.
Before Day One of Semester One in the program, temperatures begin to rise. At the orientation in August, the incoming cohort is already abuzz with questions about the exam. You can’t blame them. They don’t want to get a year or two and $20,000 in, only to discover they don’t have the combination of brains and stamina to seal the deal. This is why we try to make the expectations crystal-clear. The students can take care of their studies. We’ll make sure the test is fair and the packets are in order.
My colleague and I touch base a few minutes before the info session to divvy up the tasks. I make the fatal error of popping back into my office to check my email. A long-ago friend who used to work in affordable housing in Vermont has read my blog from wherever he is in the world now. He has shot me an email from across the miles, illuminating yet another fifteen points for me to bear in mind as I begin my quest for a home.
This is a welcome gesture, of course. But, wow, is it terrifying. The ink is barely dry on the loan approval, and the dark clouds of these new tasks are gathering on the horizon. Time-of-sale ordinances. Buyer’s attorney. PMI. Contract review. Closing costs. Home inspectors.
Choke.
This friend is one among many who clearly has no idea what an amateur I am. The bankers seem equally clueless about the extent of my ignorance. Maybe I have bamboozled the lot of them, or maybe they are banking on the folly of the neophyte. How should I know? I can’t tell where to begin. I feel out of my depth and stupid to boot. Find the place first and ask about ordinances later? Learn about PMI before looking for a place? A home inspector before attorney? When is — no, what is — contract review?
A first-time homebuying course would be a great place to begin, but the county’s classes are full full full. One is available at the end of November (!) but until then, I have to figure it out on my own. More questions. Are the online courses reputable? Whom do I ask? Do I check out a library book? Which one?
I print out the lengthy (and so generous — thank you, dear friend!) email to take home. I will read it when I have attention for it and can look up these strange terms I should probably already know. (Escrow? Short sale? Lord have mercy.) Then I head over to the qualifying exam info session to do the job that will pay the someday-mortgage.
I walk on shaky legs out of my office, trying ease my mind back to a more manageable altitude. In the hallway, a first-year student flags me down. “I have a question about qualifying exam,” he says, a little breathless. “I saw the form online, and it says this thing about having grades for all the core courses, and I think I should be taking the exam at the end of this year, right? But I will still be in the classes that need the grades when the form is due. . .”
“You’re ahead of the game,” I say with a smile. “You’ll be taking 804 and 805 in the spring, right? You don’t have prerequisites?”
“No,” he says. “I’ll be done with the core in May.”
“Okay. So, after the winter break, I will schedule another info session for the folks taking the May exam. We’ll go over the details then. You don’t have to come to this one today, and anyway, some of the information will be different in the spring.” I go on to give him a brief review of the steps. I watch his shoulders ease down.
“Okay,” he breathes. “I’m on track.”
“Right on track.” I nod. “And thank you for being so conscientious. It’ll serve you well in this program.” I keep telling these student to picture themselves walking across that stage at graduation. Everything between here and there is just details and determination.
I turn the corner to the meeting room where the first few students mill around, big-eyed and jumpy.
At the end of the session when they ask about failure rates (as they always do), I answer like a true politician. “Every one of you has the capacity to pass this exam.” The program director reminds them that all they have to do is put their analytical skills and and writing abilities to work. They already have what it takes to finish this program and write a dissertation, so they have what it takes to pass the exam. We would not have admitted them otherwise.
This is true, to an extent. They have the right stuff when we admit them. The big unknown is how they use it once they are here. They will make it if. . . If they sharpen their research skills. If they build strong, collegial relationships with their mentors. If they organize their time, accept criticism, improve their writing, and make tough choices. If they keep their eyes on the prize. If they do these things and take care of themselves along the way, they will have done all they can and more to walk across that stage and go home with a degree.
They have to take it one semester at a time. One course, one qualifying exam, one field statement at a time.
Once again, I learn to swallow my own medicine.
As I walk out into the late afternoon light to head home, I let my mind lift off again and find myself dizzy with the possibility of a home. I picture myself standing on the doorstep of my new place, fitting the key into the lock. Lush vines spill from a hanging plant by the door. Shoes litter the foyer. Afternoon light from the back window greets me. A crock pot on the counter bubbles with cumin and garlic. Bug and I sweep aside the mess of paper scraps, scissors, and tape on the table so we can share our dinner and talk over homework.
In my job, I can stand before the group of incoming students and see clearly what they cannot. They wobble under the weight of the program requirements, the student handbook, the course textbooks, the research expectations, the administrative paperwork, and the 90 new colleagues to whom they have just been introduced, while I am picturing how they will progress from Day One to graduation. This is my small area of expertise, such as it is. “All this material is a lot at once,” I tell them on that first day. “Take it one step at a time. Remember that my job is to stay on top of the details of this program. I will send you reminders and updates all along the way. When you get lost — no, before you get lost — come to me. I will help you find the answers to any questions you have.”
Just because they (I) can’t see the way forward (yet) doesn’t mean the sky is not open and waiting.
And just because they (I) are not experts on this process (yet) does not mean expertise is not here for the taking.
How am I any less a student than my own students? I have what it takes to fly this thing to its destination. The only unknown is what I choose to do with the questions, talents, and momentum I bring. Will I engage my skills as a researcher? Will I organize my inquiries and build my vocabulary? Will I keep clinging to the misconception that I have to (or even can) go it alone? Like my students, I must seek the help of professionals and enthusiasts. Those smart, experienced friends who understand housing dynamics are offering their guidance. They are mentors. I bet if I ask, they will help me stay on track. They don’t want me to get two years and $200,000 in only to discover I am saddled with a junk heap.
Also like those students, this undertaking was all just an abstract idea about two months ago. First comes the impulse, then a little investigating, then an application, then the acceptance. One mile, then another. Refer to the flight manual. Follow the itinerary. The clouds will part. The destination will make itself known.
I lay with Bug in his bed, reading three books and singing three songs. After he drifts off, I walk out onto the back deck and take in the sky, the light from the neighbors’ windows, the hum of traffic. I stretch my neck and then my toes, letting the full weight of myself settle into place.
If you can see it, you’ll make it happen.
There it is, right there, just on the horizon line.
Home.
Happy 100 Days: 77
Word from the bank: approved for a loan.
Before rushing off to look at the half-dozen tiny townhouses in the county I can afford, I have to remember to pause and notice this turn of events.
Approved!
For a home loan!
Bug and I are not stuck after all. At some point in the next three months or three years, the story will change again. It always does. We may stay put, we may move on. The happy truth? We have choices. We have a way forward.
I can provide a home for my son.
A home!
Happy 100 Days: 85
Ten Steps Closer to Home:
- Shake off the inertia.
- Call upon a generous and excited friend who happens to love real estate.
- Sketch out the picture of what you want, not just what you can manage.
- Choose to create an anchor for your family in a place you want to be.
- Look beyond the boundaries.
- Find a few places that give you the giggles.
- Skim mortgage lending sites.
- Click for quotes.
- Hatch a plan.
- Begin.
Homeward Bound
My parents were the age I am now when they bought their first real house. We had lived in several apartments and a townhouse during my earliest years, but it was not until we moved onto that corner lot that I found my Tara, epic and tortured and almost breathing with coming-of-age angst. It had three bedrooms and big trees for climbing in the yard. The neighborhood boasted all the accessibility and leafy quietness of one of those rarified zip codes everyone knows is the perfect place to raise a child.
The house is still there, squatting on prime real estate wedged between the Beltway and the red line in Bethesda. I drive by it sometimes and feel my stomach clench in a fit of nostalgia and hunger. Inhabiting one of those doomed swaths of DMV land where swollen mini castles erupt from the still-warm remains of modest post-war bungalows, the house may be seeing its final days.
Drive-bys are just one symptom of my unchecked covetousness. The dear people closest to me gently suggest that I am a bit obsessed with money. Fear about Bug’s and my financial situation clings to me like some kind of unpleasant aroma. The jokes I crack at lunches with co-workers about our salaries are usually too loud and too close to the bone. I find it hard to control myself. The paychecks come in twice a month. They are adequate for here and now. Here and now, however, is not adequate for up and out.
The exasperation of the dear ones has long since eclipsed indulgence. No one wants to hear (again!) how tight things are, how frightened I am, how tough it is occupying this point on the financial spectrum. Someone out there is happy with less than what you have, they remind me. Someone out there is unhappy with more.
What if you already have enough?
I have a sweet tooth for drama. This is not news to anyone. Low-dose panic is my drug of choice. In a rare show of equanimity, I am taking their words under consideration. Is fear feeding the anxiety? Have I lost perspective? Perhaps the dear ones are right. It might be the case that I am so caught in this loop of defeat that I am unable to see how far my finances can stretch. Is all this quivering anxiety just me being a little hooked on the flavor of my own misery?
If my paycheck is sufficient to support Bug and me in our own place, I might actually have to get off my frightened ass and make the leap. I claim I ache for a home. A Place of Our Own is my official Red Ryder carbon action 200 shot range model air rifle. But maybe I don’t entirely trust myself to manage alone. If I wake up to find that possibility under the tree, will I shoot my eye out? Having enough would, after all, mean the end of this recuperative chapter in the suffocating security of my parents’ nest. Might it be that the truth of my terror is not in being stuck but in becoming unstuck?
Clearly, it is time to take an honest accounting.
I am a stranger to neither fiscal prudence nor a precise ledger. In all the years Tee and I were living together, I kept us on a noose of a budget. A single YMCA camp income supported our family of three, covering everything from staggering health insurance premiums to dog chow. One of my many jobs as the captain of the domestic ship was to scrimp, save, and track every penny. I made the baby food, hung the cloth diapers on the line, and hand-crafted the holiday decor. We traveled only to visit family. We ate in. Every single month for five years, I reconciled the budget. By some kind of financial sleight-of-hand (and more than our share of help from the ‘rents), we lived just a hair above the poverty line without ever feeling the pinch. We were actually comfortable. Never in all that time did I carry anything like the sickening panic weighing on me now, even though my current income more than the Y ever paid Tee.
This week, I bit the bullet and sat down with my Excel spreadsheet and a pile of bills. I mapped out the year ahead with Bug’s transition to kindergarten and the corresponding reduction in childcare costs. The budget contains 27 items spread out over 12 months. I tried to keep it austere but realistic, including meager numbers for dining out and clothing along with slim grocery expenses. The thin trickles into retirement and Bug’s college fund were saved from the axe. Cable and wifi were slashed along with any travel pricier than a day trip.
In the end, I tallied up the numbers. If I move out of my parents’ house in the next year, I will have enough money for a two-bedroom apartment. In Peoria. As for a location in Fairfax, Arlington, Loudon county? I cannot even afford a studio, let alone a condo or a townhouse in which my son can have a room of his own. Understand this: I hold an administrative faculty post at George Mason University. The position requires a master’s degree and carries an assistant director title. After bare-bones living expenses, the salary leaves me a mere $900 a month for rent, taxes, and utilities in an area where a bottom-end two-bedroom apartment is $1800 a month, before utilities.
They say public service is noble. Where can I trade in all this nobility for a little dignity?
This is not a woman who is eating her own tail in a solipsistic frenzy over money. My perception is not skewed, and objects are not appearing bigger because I am viewing them through the side mirrors. The situation is, in fact, just as dire as I had thought. The number gazes right at me with its italicized crimson smirk. It will not diminish unless I cut out things like trips to the dentist. Or Christmas.
The number is real. Also, it is not. For now, Bug and I are secure in this way-station, parked in a house which does not eat my earnings for an appetizer and then come slathering after my savings for the main course. The number is just this: a sign of how much further I have to go and how different life is going to look for my son growing up than it did for me.
The dear ones guide me away from my talk of financial trouble not because the trouble is false, but because they are helpless to ease the burden. We would all like to believe poverty is a state of mind and that overcoming it just takes hard work and a positive attitude. I am guilty of this half turn from uncomfortable truths. During the three years I spent working in a shelter for homeless families, I was a dogged cheerleader. I advocated for the guests to keep plugging away, and never ceased maintaining that the right combination of social programs and part-time jobs and bus vouchers could move a family into permanent housing. The fact of the recidivism rate – a number I cannot recall, but whose smirk had fangs much redder than my little spreadsheet figure – was hard to look in the eye.
Nonetheless, one has to believe against the evidence. What the dear ones are really saying is that the only alternative to faith is despair, and that is a sure exit ramp to ruin.
I can’t own a house any time in the foreseeable future, but I can own this: $900 a month free and clear is not chump change. Draw at random any one from among the 7 billion, and odds are she lives for a year on less than my monthly surplus. The generosity of my parents combined with that minor excess keep us from sinking down under the poverty line. I know better than to wallow. We are rich. We have trees in the yard, and Bug does have a room of his own.
A $900 rope is in my grip. I cannot see how far it stretches over the cliff face, but I know the only direction of travel is up. How I use my muscle to put that cash to use will determine how high we can climb. I clip one strand of it into a savings account to tether us to an embryonic down payment. A fraction hooks into Bug’s 529 plan so he is not choked by college debt in 15 years. Another thread harnesses us to a retirement account. With these small outlays tied on and my kid strapped firmly to my back, I climb.
I picture what is waiting just up over the lip of the rock. It is just out of sight, but it is there, the door open, a tall glass of something over ice waiting on the porch rail. I picture my son at the age I am now standing on the front step, watching for his retired and nimble mama to pop up for a visit. I picture home, and up we go.
Shannon E. Williams 