Tag: real estate

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Happy 100 Days: 54

smirkpretty

Needs: Water, Trees, Shelter
Wants: Ice Cream, Popsicle, Jellybeans

 
The seller accepts my offer over all the others. Even cash from investors, higher bids from FHA borrowers, and promises of covering closing costs do not beat me out. It is a strong offer with 20% down, but the letter my realtor writes is the golden ticket. She paints a picture of Bug and me, growing up together there in that exact corner of the planet.
 
The record kicks up to 78 rpm. The lyrics are a high frequency tumult. The homeowner, gun shy because her last two buyers had their financing fall through at the 11th hour, is in a kerfuffle. She has something else waiting, it seems. This has taken her months longer than the overheated market promised. She wants the sale to be settled by the first week of December and to be moved out by the holidays.
 
Push, push, push. I take a breath and tell my realtor I’m sorry, but everyone will have to wait. I need to sit with this possibility for a day or two and let it work its way through my bloodstream. I also have to finish up my week at the office, pick up my son from school, and get some sleep. The homeowner needs an answer yesterday. I understand she is frantic, but she will have to wait a few more tomorrows. If she wants fast, an investor will fork over $200 grand in cash and then lease the place out to the next sucker who will pay twice the mortgage in rent. I don’t say this, of course. I just remind myself to be kind yet firm.
 
I am in a kerfuffle my own self. Buy now and take on the cost of the commute? Hold out for that phantom place closer to Tee and my work with half the square footage for a mere $40,000 more, all while risking losing out on these bargain-basement interest rates?
 
Between idealism and practicality, how does a person hit the sweet spot?
 
This place is cozy and light. It has big bedrooms, a fireplace, a yard with promise. It is on a bus line with transportation to my metro stop. It is near the Korean Spa that I love. It is walking distance to a supermarket, a library, and a park.
 
The living room is so narrow, I whine to myself. I want a place closer to the metro. Something with woods nearby. A basement. A guest room.
 
I slow down and consider what this new life is teaching me. Hell, my six-year-old has this stuff figured out already. Have I not learned anything in the past two years?
 
Wants: Acres of open land. A toolshed and workshop. A ten-minute walk to the office. A basement dance studio.
Needs: A safe neighborhood. A quiet bedroom. A reliable way to get to work. A place for my son to learn, play, and grow.
 
Back and forth in myself, the longing for what is not (yet) within reach swings and clangs. The wanting makes me curl my lip at this beautiful opportunity to fulfill my family’s needs.
 
Between spoiled and growing up, how does a person hit the sweet spot?
 
We have the inspection scheduled for Thursday. She was pushing for Tuesday, but both the inspector and I carved out a few more days. Once we are finished digging around under the carpets and behind the hot water heater, I will have three days to make a decision. Barring any issues in financing, I could be on my way to home ownership by Thanksgiving.
 
Seven months ago, I was still sure that I was trapped in dire financial straits with no ladder in sight. The era of staying at home with Bug, following Tee’s vague career trajectory from one time zone to the next, and eventually divorcing had reduced my financial and professional foundation to rubble. I clung to an image of myself hefting one broken stone at a time back onto something resembling a wall with no blueprint in hand and all the pieces on the brink of toppling again.
 
That was not what was happening, of course. Six months ago, I began to realize that the story I was telling myself was doing a better job holding me back than my circumstances were:

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?

And so. The bank agrees to loan me many thousands of dollars, my department pushes through a small raise, the realtor helps me squeeze into the two-day window when my crush of a house is back on the market, and BOOM!
 
The seller accepts my offer.
 
Wants: Ice Cream, popsicles, jellybeans. Gingerbread cottages. White knights. Happily ever after.
Needs: Water, trees, shelter.
 
Home.
 

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Happy 100 Days: 67

smirkpretty

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!
 

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Happy 100 Days: 69

smirkpretty

Safety. Such a tricky concept. I walk the streets and back greens of these townhouse complexes, asking, Is it a safe neighborhood? That idea is tangled up in so many class and race patterns, I can barely tease out my gut feeling. I never expected to land in the working class as a single parent. Suddenly, I have to face considerations of safety as I weigh affordability, quality of life, resale value and everything else related to buying a home.
 
The prejudices roil under the surface every time I walk through a neighborhood.
 
Is “safe” code for “white”?
 
Yesterday, I zipped out to a townhouse development at the western edge of the county. It sits right up against uber expensive new houses, the cushy county library, a recently built shopping center. It seemed like a lovely location. But when I got out of the car, something didn’t sit right with me. Is it a safe neighborhood? The houses seemed bare faced and a little bedraggled. I noticed men. Lots and lots of men. Most of these guys were white guys. It was early enough in the evening that I was surprised to see so many men home. They were in tank tops, jeans. They smoked. To a man, they walked dogs. One guy had four pit bulls lunging at the end of the leash. Nothing against pit bulls, but four?
 
The demographic was unsettling enough that I barely had to look at the house to know I didn’t want to live there. While I was a little ashamed of my surging prejudice, I was not ashamed enough to reconsider (it didn’t hurt that the house was a junk heap).
 
Today, a townhouse up north listed a little before noon. The asking price is $155,000. This is nearly $90,000 less than most comparably sized townhouses in the county, so up goes the red flag. What could be wrong with this place?
 
Also, what might be right? In a year or three, the new metro line out to Dulles airport will have a station just two miles from this address. Not only will that mean a better commuting option for me, it means the value of this property is going nowhere but skyward.
 
My agent gently suggests I may not be crazy about the neighborhood. She doesn’t say more because she is in a meeting and won’t be free until about 6:30pm. I do a little sleuthing on my own. I know from the map that this is an area some do not consider “safe.” In a different chapter of my life, I would have walked on the other side of the street.
 
That was then.
 
As for now, am I willing to let my biases blind me to a potentially great opportunity? Someone is going to live there, I tell myself. Why not me?
 
Is “safe” code for “middle class”? For “a majority of the people look like me”?
 
By 4:00pm, the selling agent already has an offer. The clock is ticking. I hit the road to go see for myself. I follow the same route I would it if I were to live in this new place so that I can see how much time I will be sitting in my car. I turn off the main road and pass the Turkish restaurant I like (this place would be walking distance from home!) I also pass the Taco Bell, the half-empty clothing store parking garage, and the 7-Eleven. All of these would be between me and the Turkish restaurant.
 
I arrive a little after 4:30. I start to walk. Is it a safe neighborhood? The units are small. All are ground level entries with two stories. The complex is few years older than I am. An elementary school is close enough that I can hear the whistles trilling at soccer practice. Leaves whisk across the green spaces dividing the rows of houses. Kids, kids, kids. Little toddlers wobble on bikes. Small gangs of teenage boys stroll past, chattering with each other. Moms with babies stand in doorways. A group of children on play equipment so close to the unit for sale that I can stand on the doorstep and see the expressions on their faces.
 
I see graffiti on the plastic slide. I see harvest wreaths. I see screens with holes. I see a woman who has pulled a chair out onto her front porch and is reading a book in the afternoon light. I see cars as old as mine sporting plenty of rust. I see the mail carrier walking from door to door with his satchel. I see a man standing on his threshold painting the trim.
 
I greet everyone I pass. I say hello. I ask about the neighborhood. Everyone is smiling, eager to talk, gushing about how much they love it here. Most tell me they own their homes and have for a few years and don’t want to go anywhere else. They say it’s quiet, that it’s great for kids, that the schools are pretty good.
 
I walk more. I see the open back patios cluttered with bicycles, deck furniture, grills. Nothing is fancy. A little of it looks salvaged. Nothing is locked up.
 
Open back patios as far as the eye can see, and nothing is locked up.
 
As an exercise to check my assumptions, I take my cell phone, keys, and wallet, leaving my bag behind. It is 5:30 now and traffic is thick on the outer streets. I walk with my bulging billfold in plain view, my cellphone loose in my grip. I am in a sundress in the unseasonably summery October evening. I am a woman walking alone in the dying light, money and gadgets out for the taking. I stroll past the teens loitering in the 7-Eleven parking lot, the folks hanging out at the bus stop near the parking garage. I walk all the way out to the main road, into the shopping center. I pass the ABC store. More young men on bikes rattle past. I go into the supermarket, buy a few things, and make the whole trek back. How does it feel? Safe? Mostly. No one hassles me, no one offers up more than an assessing gaze.
 
While I wait for my agent, I see other potential buyers come, walk through, leave. A little girl follows me around the neighborhood telling me all about who lives where and what she doesn’t like (she is not allowed to celebrate Halloween, but she may get a pumpkin anyway). People peek out their curtains or even step outside to see what I’m up to, hanging about. They watch the front door of the place with the realty sign. I ask a woman who has come out to look me over if she likes living here. She is holding a baby who grins and lunges for me. We all laugh together. I ask again about how she likes it here, but she does not answer. The little girl who is following me around translates the question into Spanish. The woman lights up. “Aqui? Si! Si!” She offers up a flood of words I can’t translate but still understand. She is happy here. She loves it here.
 
My agent arrives and we walk through. It is tiny inside, but it is not just a unit. It is a home. I love its bright kitchen, its compact three (!) bedrooms, and the gas range. It is old and lived in, but it is light and clean. It has been cared for. The people leaving have not moved out, so I can see how they have filled its closets and arranged their tchotchkes. A flock of angels nests in the spare room. Even with the clutter, I like the feel.
 
My agent and I talk strategy. The seller will see the offers on the table tomorrow night. This place will be under contract less than 48 hours after it listed. The list price is a steal, and she explains that there is no way this house will go for that. It will likely sell for $20,000-25,000 more. I need to consider offering much more than the asking price if I even want to be considered. She shows me the comparable home sales in the neighborhood. Another one with only a whisker more square footage sold for $231,000 a few weeks back.
 
We stand out back in the dimming light. I can still hear the distant hollers from the school ball field. My little six-year-old shadow is still running around without a parent in sight. The South Asian families dressed in gilded layers whose foreheads are anointed red paint stroll between their three different houses. One of the young women waves to me across the green. I ask my agent what her gut feeling is on the neighborhood.
 
“I haven’t sold here in several years,” she says. “At first, I thought you might be disappointed. But I could tell as soon as I pulled in that it’s changed.”
 
“Changed?”
 
“For the better. Definitely.” She nods.
 
We sign a buyer-broker agreement. We make plans to talk in the morning. The fellows whose parking space I have stolen for the afternoon give me a quick honk and then gesture apologetically as I hop in my car to leave. I wave goodbye to the woman with the giggling baby, to the men who have watched from their second floor windows.
 
During the two and a half hours I spend in the neighborhood, the only other white person I see is my real estate agent. It is odd to notice the swirl of feelings about being on the leading edge of gentrification. If I can swing this, I can give my son a home in a real neighborhood with green space, attentive neighbors, room to grow. With a monthly payment that allows for small savings, increasing property value, and walkable commerce, I might actually provide us a decent quality of life while also building a college fund for Bug.
 
Is it a safe neighborhood?
 
Perhaps safe is this: Can we live well here and build a strong foundation?
 
Then hell yes. It is safe.
 

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Happy 100 Days: 71

smirkpretty

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.
 

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Happy 100 Days: 75

smirkpretty

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.
 
 

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Happy 100 Days: 98

smirkpretty

I have brought my breakfast and lunch to work with me every day for over two years. I have schlepped the giant satchel bursting with my belongings and all this food a nearly a mile each morning to the metro. Except for those blessed days when a friend took pity on my and let me ride shotgun back towards home, I have walked that almost-mile back to my decrepit Saturn each evening. That little car has ferried me into its 13th year, and it is still chugging along. I jury-rigged part of the bumper back on this weekend with wire. The nice fellow at the hardware store also made me two new keys because the old ones were so worn down, they had started falling out of the ignition while I was driving.
 
I refuse to waste the gas and pay to park on campus when the Commonwealth will pay for my metro expenses. Also, why shell out cash for a spot in the metro garage on this end when my legs work just fine? And this too: give me one good reason to trade in the old beater if she runs well enough to get Bug and me where we need to go. She still gets about 29 miles to the gallon, which isn’t half bad for a pre-hybrid plastic car.
 
Every day, $5 stays put in the wallet because of all that hoofing it. Every day, $10 is not spent on meals because I haul those clanking Pyrex containers to work. A little here, a little there. A few bucks saved by purchasing the new(ish) dress from the consignment shop instead of Macy’s. A few more saved by not purchasing the dress at all. Pennies in the piggy bank.
 
Don’t be fooled by my righteous claims. I am far from pure. I have blown more than you would think possible on curry and Red Zinfandel when out with the gals, and I have given over to my share of impulses when Bug is off traveling with his daddy. (Did someone say “spa day”?)
 
Still. Two years of living off the largesse of the folks, painting my own toenails, and making Halloween costumes by hand has paid off. I knew I was working towards something, but I didn’t know what.
 
Last night, I decided to pause and ask myself that exact question: What is all this for?
 
Last night, I decided to stop being scared of the answer.
 
I have been telling myself it will 2015 before I can afford a place for Bug and me. Rent prices in this area will take your breath away, and the best I can manage on my income might be a small studio in the outer reaches of Fairfax County.
 
Is this even accurate? From time to time, I skim the rental listings, but have I really considered buying? Now this is a stunning prospect. . .
 
Because what I want is a place for Bug and me. A little place, just the right size for us and close to his dad. One I can afford on my own. A place to land. A home.
 
Scary.
 
Instead of getting worked up and worried about it, I stayed true to my Contract with Joy. I simply looked this possibility right in the face. What is the first step? Find out what sort of mortgage I can feasibly manage (easy enough with all the online calculators). Second, type in a zip code. Third, watch in wonder as the smorgasbord of listings within my price range appear before me. Fourth, gorge.
 
So, get this. All that scrimping and penny-pinching? I have actually managed to save enough for a down payment. A decent one. Not quite a 20% one, but within spitting distance of it. And you know what else? Mortgage payments are actually lower than rents on comparable places (duh). This means I can actually afford a two-bedroom condo in the astronomically expensive school district where Bug happens to be enrolled and still have a chunk of my monthly income left over for those little luxuries like groceries and heat. If I look outside his district, I could even afford a real honest-to-goodness townhouse, with a basement and a postage stamp yard and everything.
 
Who knew? Me! Little ol’ me, actually almost back on my feet!
 
Staggering.
 
So, I promise to make this fun. This is good news, not yet another reason to panic. Even though interest rates are at HISTORIC LOWS and housing prices have BOTTOMED OUT and NOW is the time to buy, I am in no hurry. Bug has had enough transitions for about the next three lifetimes, and I still have the pooch to consider, and I only just this week started clocking 7-8 hours of sleep a night after two years of insomnia. Maybe it’s better not to breeze past the lessons about the practices that brought me here: One small choice a day, one packed lunch, one listing, one minor act of courage. Each one accumulates. Pennies in the piggy bank.
 
Buying a home is a pretty big project. This is what I have heard, anyway. I’ve never done it before, so I’ll just have to find out for myself.