We knew from the beginning of Ron's time in graduate school that we would be poor upon his completion. We would have a baby, and I would be staying at home to watch her. We felt called to live close to our families, in an expensive area. These were the facts of our life, and we began to have lots of conversations about how to survive on one income with lots of children (we hoped) in an expensive area. Apartment life was not floating my boat. With a zillion loads of laundry each day that I couldn't do by myself since the laundry room was down some steps and across a parking lot, we frequently had HUGE piles of dirty clothes (shocking, I know). With no backyard, I couldn't grow the garden that I had been dreaming about. We couldn't really decorate, there wasn't much space.
"A house is what we need!"
I declared. My husband, the accountant/economist/engineer made some spread sheets.
"It will take us a while to save for one."
Of course, he was right. But I refused to give up, and my desire to have my own home kept growing and growing. I had an idea. "What if we stay with my Mom for a while, to save some money and pay off our student loans?" He agreed, and we did it. It was pretty hard, not because she isn't lovely, but because melding two households is hard. As Fulton Sheen said, "The fast before the feast." We were making the sacrifice of our privacy, our traditions, our freedom (in a sense) for something greater.
We began looking for someplace of our own in August. A condo, we thought. It was a compromise. Out came the calculator and a strict budget. We looked, and realized-NOT a good time to buy a condo. No go.
One day at the beginning of October, we were driving around looking at houses. Pia was sleeping, and we were trying to give her some extra time to nap before a family gathering. Ron's sister Sheila had found a house that was having an estate sale. The family was willing to sell it for a great price. We were driving around trying to find it, and at the same time, we were grabbing fliers from all of the houses we saw that were for sale-to get an idea of the prices of the area. We had realized that we were suddenly in a position to buy a house.
1. Great mortgage rates
2. First time home-buyers tax credit
3. Some savings for a down payment
We drove past a little house, and I jumped out and grabbed the paper.
"No price. A bust!"
I muttered as I handed the paper to Ron. Plus, Pia woke up from the noise of the car door. Double bust. Ron called the number and found the price of the house. It was a short sale (so that means that the sale will take a short amount of time, right? no, wrong. VERY wrong). We called our real estate agent and she took us to see 5 houses in our price range.
We ended up putting an offer on that little house on the feast of St. Margaret Mary. It's a three bedroom ranch with two bathrooms. A great yard. Admittedly some funny colors. We waited for that house for over four months before the sale went through. Patience, patience. Saving more money. Missing the high utility bills from the winter months. God's will.
Finally, on February 25th, we closed on the house. It's ours. Strange....in an amazing, can't believe that actually happened, this is wonderful sort of way.