Pop Culture Gadabout
Tuesday, February 05, 2008
      ( 2/05/2008 05:19:00 PM ) Bill S.  


HOUSE (A TALE OF TERROR): Another Case Note From The BiPolar Experience Otherwise Known As Trying To Sell A Home In A Crappy Economy: A little over a week ago, we got a call from our realtor telling us that one of two couples looking at the place had made an offer that was pretty darn close to our asking price. The second couple were low-ballers putting out an offer that would've had us owing a good twenty thou on the mortgage after we had sold the place, so naturally we took the first couple's offer. It looked good to go through, our realtor said, since the couple were "pre-qualified" for a loan.

We were emailed a purchase agreement, which we signed and initialed all over the doc, then I scanned and sent the copy back. "Let's not get ahead of ourselves," we tried to tell each other. "There's a lot that can go wrong." But, of course, Becky and I still found ourselves fantasizing about what we could do with the money from our bleeding monthly mortgage payment. And for the first time in months, we both slept without waking to catastrophizing money fears.

On Friday, the fantasies crashed. The bank, we learned, wouldn't approve the first couple for a mortgage. They apparently were more in debt than they originally let on, so the purchase agreement was kaput. "Pre-qualified," we learned was not the same in bankerese as "pre-approved." Who knew these phrases were parsed so distinctly? Certainly not us. So it's back to the early morning anxiety sessions.

This whole home ownership bizness is definitely overrated.
# |



Pop cultural criticism - plus the occasional egocentric socio/political commentary by Bill Sherman (popculturegadabout AT yahoo.com).



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