how come no one told me how HARD it is? because it is. and while it's overwhelmingly exciting at first- it's just plain overwhelming now. i called our loan lady and all she does is talk really quickly and then get pissed if i interrupt her to ask a question. she wants me to wait until she's done talking to ask a question, but by the time she shuts up, i can't remember what the old questions were and i just have new ones! it's because i don't know what the hell she is talking about. when we met with everyone this past weekend, we walked out of there with no paperwork. i mean absolutely nothing that explains what loan types there are.... what they mean... what an amortization loan is- just tell me SOMETHING! as first time home buyers, isn't it obvious that we won't have a fucking clue what anything means?!?!
and then there's the whole pre-approval process where i personally feel we are approved for far more than we can actually afford. i think they tell you that you can pay
so i'm sitting here in desperate need of an accountant because how the hell can i find out what i can change my claming amount to on my paychecks without getting screwed at the end of the year? is there a simple way to figure this out? when you bought a house, got married, etc- did you change what you claim? do you get a big refund at the end of the year, do you break even, or do you have to pay?? my biggest thing right now is figuring out what boyfriend and i can change our claim # too, without having to pay at the end of the year. and will it give us enough money each month to afford a mortgage? that's the real question.
this sucks when you have no money to put down on a house. i envy all of you who bought when the market was truly affordable. and when having 20% down didn't equal $110,000 dollars.