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Wednesday, February 2, 2011

Putting the Cart Before the Horse.. Adventures in House Hunting


Today was a great lesson for me in patience. For about a month I have been preparing to turn in my loan application to the USDA Rural Development Office. All the while many hours have been logged on the Nevada County MLS website. What started as a innocent curiosity about the "the market in our price range" turned into daydreaming about how a certain property could perfectly fit our needs, then led to a phone call to the listing's agent to find out more information, and ended up with us looking at a couple properties today. The prospect of real estate turns me into a monster!

We looked at a beautiful property in Grass Valley. Nestled on 10 rolling acres between Grass Valley and Auburn. Basically, its a perfect location to place ourselves for easy availability to customers buying our produce and meat. We were elated and giddy on the dream of our own property with so much promise. Sure, the house was in dire need of some work, but Justin with his years of construction experience didn't balk at its state.

This is it right? No more searching, we've found our future home, right?? Nope. While riding on the wave of sheer real estate ecstasy my cell phone brings me back to reality. It's Mary Jo, my mortgage broker expert calling to make sure I wasn't getting ahead of myself. "I don't want you to waste a lot of time looking at properties until you have been approved by the Rural Development Department to go for it. This 10 acre property doesn't sound 'modest' to me, so don't get your hopes up." Now I know I wasn't supposed to get ahead of myself, but I've been swept away. Damn.

Thankfully I have a wonderful partner in Justin to bring me out of my post euphoric real estate slump. Feeling sorry for myself, I told him about what Mary Jo said. In his usual buoyant manner he said, "All we can do is wait for the application. There's no point in getting ahead of ourselves until we know what's up. We're going to get whatever place we are meant to have." That was just what I needed to get out of get out of my funk. That's why I love this guy.

Now it's time to move on with new resolve and wait to hear about our application. Patience really is a virtue....one I don't always have.