Well, here we go... the final two weeks or so of house drama. As you may recall, we initially had all kinds of problems around getting financing because I was working on a contract basis. Never mind my 800 credit score or the incoming cash to my bank account from my job... as far as the lenders were concerned, I didn't have any income. Finally, one stepped up and said it's all good, you just have to file a tax return showing your income in January.
That time has come. The tax return is more or less done, and it will be in the hands of the IRS on Friday. My gross was actually slightly higher than I expected six months ago (and so was the amount I owe), but I can now prove I made money without being a full-time employee. I suppose there's still no guarantee, but at this point, it's all in the hands of the lender, and there's nothing else I can do. Cross your fingers and all of that. I'm tired of thinking about it.
Truth be told, most of the process sucked, and I didn't really enjoy it as much as I hoped I would. I'm endlessly annoyed that we've had to act as the quality assurance department for the builder. The number of things that would simply have been let go is staggering, and some of them were really serious. Our sales rep to this day couldn't answer questions about the developer's plans for development, or didn't try to find the answers. Frankly, I haven't enjoyed the nagging about when my taxes would be filed either.
I did enjoy picking out options, so there was that. It's also good to see that the base prices on the houses are up almost $20k on average, so assuming the neighborhood holds value, that will boost equity in the short term. I just want to know I'm moving for sure, and that I'm not renting. This has been a mentally exhausting experience.