Have I mentioned I don't qualify for down payment assistance? Nope, not a cent.
Why? Well, I'm gonna tell you WHY...
I do not qualify for down payment assistance because the home I'm buying is in too nice an area. Community Action Agency wont help one bit. Their funding is meant for areas that are in need of homeowners.
The reason I bring this up, is the HQS inspection of the Adobe/Greek Revival was this morning. HQS stands for Housing Quality Standards if your wondering...I like it when I sound like I KNOW something. "Yeah, the HQS blah, blah, blah..."
I know nothing.
Here's how I know, I know nothing:
The troops arrived enforce, my worker from the Assisted Homeowners Program, My Realtor, and the "HQS" Inspector. We all stood around waiting for one of the owners employees, a guy named Reggie to arrive with the key.
Reggie is his name, yet Reggie is white.
I don't know why this bothers me, except it's kinda like me having a little girl and naming her Latifa...beautiful name, but sacredly OFF LIMITS.
So white Reggie arrives with keys. All I could think was the house would fail miserably based on my previous experiences with HQS inspectors. It DID fail, but only by a few easily addressed items. My worker kept saying under her breath "GIRL...you done GOOD"...followed by "GIRL, you really done GOOD" and then "GIRL. GIRL. GIRL...YOU DONE really GOOD"
Apparently she had to bust three contracts so far this week, due to the DEPLORABLE conditions of the homes...imagine that?
So back to the down payment assistance thing.
The price of the house has been raised to cover my costs, buyers costs they call it.
My Realtor David, is also The Patron Saint of Dwellings, and SOMEHOW has come up with my down payment, so I am virtually buying this home with nothing up front.
Here's where I get goose bumps.
If you'll recall I was physically on my way (as opposed to telepathically) to sign a contract on another home. You know, the one with the gas station and main thoroughfare in the back yard? That one.
And I saw my friend in the parking lot/used car lot of the now out of business neighborhood grocery store that CVS bought out the lease on.
I stopped to say hello, because I'm friendly when I want something, and my friend buys and sells property...'hello' seemed reasonable considering my circumstances. He asked me what I was doing, because that's how Okie's greet each other:
"Hey!"
"Hey, what are you doing?"
"I'm on my way to sign a contract on a house."
"You are? There's one for sale across the street from me"
"I haven't seen a sign"
"There isn't one"
It was at that moment I knew, even before I'd seen the house, I knew I was in one of those eerie Rod Serling moments, where you know beyond the shadow of a doubt, YOU'RE RIGHT WHERE YOUR SUPPOSED TO BE.
No, it's not The Twilight Zone I'm thinking of, it's one of those Michael Landon or Della Reese shows...Highway Angels or something along those lines, but anyWAY ...I left my friend to survey a 03 Ford Bronco and drove by the house with no sign in the yard.
All I could do was laugh out loud and say, "No Universe, do NOT do this to me. This isn't even funny. Your giving me what I've been searching so hard to find for the last two months, AND it's a house I've driven by thousands of times and thought "What a cool house. "Universe, your going to make me stand up and back out aren't you?" (the Universe didn't answer, in case you were wondering) though I probably wouldn't tell you if it did.
These events all rolled up into a little cosmic ball of energy PROVE I know nothing.
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