The photo above would theoretically be my new home, should the planets properly align.
As I told Laurie, I’m superstitious. I blogged a month ago that I found a home to purchase. And then I tantalized you by saying how close to paradise it’s going to be. And I still won’t get into the reasons why I think it’s paradise, because I worry that if I rave too much, or flash a bunch of photos, it will evaporate. My fingers are crossed, I’m hopping from one foot to the other, hands balled up, trying not to shout how excited I am.
For the last few years I never thought this could happen because my name is currently on another mortgage that I cannot currently escape from. In January 2008 I bought a house with a guy I was dating at the time. I am not at all comfortable with sharing enormous investments and would have preferred either his name on it or mine, but not both. However, we were told that in the state of Oregon, no matter what the relationship, if multiple adults will consider the property their home, then everyone’s name goes on the mortgage. It was the sixth house I have purchased, and the FIRST one that had another person’s name on it. The idea of that grated (I’m a very independent woman, ha ha).
The economy crashed and he lost his job and I carried us for a year till he got another job. Then he lost that one too. And I carried us again. Times were hard. So hard in 2008 and 2009. Though he was finally working again in 2010, a lot of things piled up until I couldn’t bear it anymore and left the relationship and moved out, leaving him in the house since he loved it so much. He said his intent was to refinance and get my name off it. I fully support that idea, as soon as he can possibly arrange it.
Instead, he lost his job again.
So what I have now is a house on my record that is not mine, that I am not welcome at, that has many many months of missed and late mortgage payments, that I have no control over, but it somewhat controls me.
The ex-boyfriend and I barely communicate now, but I still have access to the website of the mortgage lender, and guess what I discovered several months ago? Viola! One full year of mortgage payments have been made in full and on time! This means that I no longer appear as such a great risk, and I can qualify for a loan in this window, while it lasts. (Quick! Before he loses his job again!)
I also mentioned in an earlier post that there are not many houses on the market here, and that they are rising in value. I knew exactly what I wanted and I would not settle for anything less. That meant I had to search far and wide for a place. I found it well outside of Portland. It will be an hour and 10 minute drive from home to work from now on, so thank goodness I work at home and only have to head into the office one day a week. Next month I will say goodbye to City Girl and get to know Country Girl again. I miss her. I haven’t known her for oh, so long.
You will see my new journey chronicled, as I make that transition. In fact, today I was negotiating the price of a used tractor, and The Uncles called to see how many chicks I needed so they can start raising them for me in their incubation cages. I like to begin all my adventures feet first.
That is… once I am certain the adventure is actually going to happen. Stay tuned.