so Steve once again got my hopes up about buying a house like he does almost every year. We got a phone call about 3 weeks ago from cibc saying “we noticed you are renting, did you know cibc is currently covering the 5% down?” So I got excited and told Steve about it.
Steve said he would book an appointment with the bank to see what they will offer us, sigh… no appointment was booked.
I asked him what the deal was and he heard from a few “friends” that the interest rate was going to drop in january. and So we wait…
I am trying to tell Steve all of the good points of buying a house since he seems terrified at the commitment. I think we are too intelligent to be paying over $1000 a month in rent. He seems to think that wasting $12000 a year or more is okay.
I tried telling him that if we buy a house we can consolidate our debt into the mortgage and then maybe we can afford a pretty new car. Still no dice.
His concern is that he hasn’t been with me for long enough… We have been together for 3 and a half years. How long do I have to waste money? I hate wasting money and I want a house that the doggies can chew on and I won’t have to answer to a landlord.
I also don’t want to deal with AON anymore. Something goes wrong with the house and we call in a service request and then they say they will be there on a certain day so we can make sure the dogs are barricaded in a room and then they never show up. Then when they do show up it isn’t the day they said they would and they won’t come in the house because Willow is out and they are afraid of her so it takes a month to get anything fixed. So we stopped calling and started trying to fix things ourselves.
I don’t want to have to wait for that stuff anymore. I want to be able to fix things myself and not have to worry about it not being the way AON wanted it.
My shower has been detached from the wall for months and if it falls it will hit me in the face, but we didn’t bother calling because we know it will never get done or if it does it will be half assed.
If it were in a house we owned, I would just tear the damn thing out and put in a shower stall. I have helped my dad with enough home improvements that I know what I am doing for the most part.
I wish there was a way I could convince Steve that buying a house is the best thing we can do right now. The interest rates are so low right now that it is a perfect time to buy.