The House Situation

Good to hear from you Jen, and glad to know you are still kickin'!! Yes, we had considered looking into different options. Yes, we have spoken with 3 mortgage brokers. The last one is through Laurel and I didn't realize until just recently that she has a butt load of knowledge in this area. She has purchased 10 homes in her life time, which is a lot in my book. I have disregarded the first one, she wouldn't share our credit scores with us, telling us it was against the law. The second one is a friend of Jeremy's who quoted us the lowest price which is $1503 without the insurance and property tax. The third is Laurel's friend Paul and he is currently looking over our situation at this moment. I did finally get our credit scores from another broker with out having to tap into the Credit Scores again. We did get a lot of different quotes and one of them were with my credit score only, because mine is higher. TJ's has more "lines" where he has more credit cards and has made more payments on them than I have, but he makes double what I do, and his scores are lower than mine. So, we tried averaging them out together and it still is coming up with 8.25% interest which Bites on $200,000 loan!! That is for a 30 year loan, and as I had stated, with that in mind, TJ wants to get something before he gets much older.

I had thought of when you and Larry were searching, and then finally got your condo. TJ wants a yard for Tatyana, we do BBQing too. Condo's to him are like big apartments. I liked your set up because it is in a community. I had thought of searching different areas, but child care is a major concern. One of them lives in Damascus and where I have to be at work at 7:30 Mon through Thurs and 8 on Friday, any earlier getting up for any of us is a concern so location needs to be out in Gresham or at the furthest out around 122nd so SE Portland. I am even ok with NE Portland, Fairview, as far out as Sandy but not out towards Beaverton or downtown Portland. So, what we have looked at so far are fixer uppers which would be fine for someone who is not injured or knows what the hell they are doing. That's where the concern is. We were called by a Realtor yesterday but until finances are in order, we have stopped looking at the moment.