It's under contract ...

... only this time the contract has my name on it.

I refer to the 'three bedroom, two bath' place I looked at over the weekend. It's about ten minutes from downtown. Water, cable, natural gas... that's all there. No DSL yet, though, so it'll mean back to dial-up for me for... some amount of time. That subdivision is next on Frontier's list, but as Frontier was just bought by another local company, there's no telling when 'next' could be. Still, that's a trade-off I'm willing to make at present.

Of course, that's not the end of the story. In many ways, it's the beginning. There's a lot of paperwork and inspections that need to be done before the September 10th closing date. And, when I spoke to my loan officer yesterday, I got a glimpse of what could yet go wrong. Being a mobile, he warned me, they need to have the soil and foundation tested. If it doesn't pass muster, we may be "up a creek." I take that to mean a lender wouldn't give me the money. I'm not entirely clear on just how bad that could be, but the worst case scenerio I see is the contract falling through with me a touch poorer. It wouldn't be financially crippling, but it'd be an emotional blow. So, I'm hoping everything works out okay.

With a little good luck, on the other hand, I should be moving and getting things set up in the middle of next month. I know there are a lot of variables, but at least things look positive at the moment.

Comments

  1. tashiroAugust 6, 2003 at 6:08 AM

    Congratulations! Actually, because of this, Cat and I discussed moving into a mobile home. Not any time soon, but the idea of getting one at some point in the future. I lived in one for a good chunk of my youth, and I still apparently dream of it as 'home' to some extent (which makes for weird dreams). A good mobile home is a comfortable place. Not overly big, nice flow-through. And the fact you're getting a double is cool. I hope you enjoy it. Mind me moving in? ;)

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  2. marinredwolfAugust 6, 2003 at 6:36 AM

    Actually, it sounds like the engineer's report and soil test aren't required yet. So I may get around having to worry about that. There *are* things to keep in mind when looking at mobiles. Here's a few that've come to my attention: - If it's in a park, and the space is rented, that can be quite expensive (I've seen nearly $350 a month). - Mobiles themselves often decrease in value over time like a car rather than increase like a house. This is not always the case, but something to keep in mind. A permanent foundation and owned land under it helps. - Lenders are less inclined to lend when the purchase is a mobile. In my case, this is translating to an interest rate on my loan that's roughly .125 higher than it would otherwise be.

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