So she went out shopping for houses and picked one for me, and called a realtor, and told him my life's story and thinks I should go get a mortgage. All without talking to me first.
First off, let me say that I agree that the house's asking price is to high. I would not offer that much. I also agree that the furnace is questionable, which is why I am paying someone to inspect it. All things aside, though, I am a little irritated that she went off without even discussing it with me, and told the tale of my life to some stranger. I'm sure she did it in my best interest. It's just a little insulting... it's as though she is saying I can't handle this myself.
She is afraid I am rushing into something without looking at all the options first. What she doesn't understand is that I am NOT ready to have a mortgage yet! I am talking about a 2-year waiting period here, probably. She thinks I should just go to a bank and ask for a loan, and I don't think she understands that I could get locked into a crappy interest rate for 30 years and lose a lot of money.
She also thinks my grandma will give me a chunk of money for a down payment just like she gave to my sister. I don't know whether that is true or not, but even if it was, with my credit rating I would end up with a terrible interest rate, and be tossing a bunch of money to the wind. The whole idea of making this purchase was to be *responsible* with my money, not to piss it all away.
Why does my mom not understand this?
Anyway, all rants aside, I will go look at this house she is talking about, and give it a fair chance... but honestly I like the terms of my current deal better. I'm also a little leery of my mom's suggestion, because in her zeal to find me a place with lower maintenance costs, my mom found a house that was built in 1880. That's right. 40 years older. What is she thinking? It has vinyl siding. Maybe that's what got her attention. I wonder if it still has iron plumbing? Bare copper wiring? Plaster walls full of lead paint? This does NOT sound like a better idea to me.
But I will go see it. Who knows? Maybe it has been completely redone and it's okay. Pardon me for being a little skeptical, but sometimes I don't think my mom knows what she is talking about.
