Money, Money, Money

Today I talked to Nisaa at USA Mortgage to get the paperwork going on the house. I'm scared that we're not going to have enough cash in the bank to qualify for a loan ... we have a bit saved up. But not a ton. Sigh. Sigh. Sigh. But the paperwork is in process; and I talked to Barbara today, who seems confident that our loan will be OK. Plus, she and Janet are going to meet with me and help me get the 203K list started next week - ack! Is this a project for a scatterbrain of delicate constitution to be undertaking? I guess we shall find out! We'll be in Utah over the weekend for the premiere of Delightful Water Universe, so the process will be delayed a bit. But - I feel hopeful, for some reason. I do. 

I don't know of any other neighborhood in the world where neighbors would do this sort of thing for each other. It sorta makes me want to cry, it's so generous. Barbara assures me that it's wanting neighbors so it's selfish in a way. But I don't see it that way.

The Fool, Undertaking an Adventure

Well, it may be good that I haven't posted anything so far. The odyssey began tonight ... we (I) put a contract down on the wee house on Palm. Now - to see if we can get a loan in this utterly crummy credit market! Though I think of how the GDP goes up when people get cancer or forests fall, I am hoping, for my own selfish reasons, that all stays well while we work on getting the rehab loan locked down and work on this tiny house. It's not even 700 s.f., and I am planning on making it as passive and off-the-grid as possible. We'd also like to lease the land next door and plant the garden to end all gardens and perhaps even put in a small henhouse and some beehives. Pipe dreams? Hopefully the pipes are made of PEX. Eeek! I am scared. Worst case scenario we lose our earnest money, best case scenario we'll very soon have some rehab pics to post. B. suggested we ask K., who is selling the house, if we can do some cleanout in the meantime. I didn't have the gall to ask tonight; I call Rick, our kungfu mortage guy, tomorrow and see about getting the paperwork moving. I'm a little scared about the underwriting because I don't have  a ton of cash in my checking account like I did this spring when we almost closed on the house on St. Louis Ave. I'll just pray that everything's going to work out. I feel a little dizzy and a bit like the Fool on the Tarot card, which is why he's lording over this post as a graphic.