It’s hard to believe we are a week and change away from closing on our first home!
I think it’s safe to say that we’ve both dreamt of this moment. I remember the conversations we had when we first started dating and how the topic of money and future financial goals always just came up very naturally.
While I always say we‘ve trained for this moment the past three years since we got married, really I guess we’ve both been training for this long before that.
As we all know, I suffer from what I call “stick and move syndrome” whereas I don’t actually take time to reflect on much of anything because I’m always on to the next one. However, I have been doing a lot of reflecting on what it has taken for us to get here, and I honestly couldn’t be prouder.
I think what I’m most proud of is how naturally the process happened. We waited until we were as financially stable as we felt that we needed to be to afford the type of home we wanted.
For a long time, we contemplated when would be a good time to buy a home. When is the right time to buy a home? How do you know if you’re ready to buy a home? Etc.
Interestingly enough, we didn’t find out that answer until after we started the homebuying process. After initially talking to the realtor and chatting about numbers and possible down payments, closing costs, mortgage payments, etc., we proceeded to go to the loan officer to talk about actual numbers. In that meeting is when we realized that we were definitely ready. We weren’t sent back to the drawing board but were given the go to move forward. We were told that we were in a good place financially and were told to continue doing what we were doing and everything would be kosher.
So for us…being able to easily afford a mortgage without sacrificing our current lifestyle and not being sent back to “fix” anything was how we knew we were ready to move forward!