we got the key to our newly “borrowed” house this afternoon. as of now, and for the next 30 years, Bank of America owns it. when all those 360 monthly payments are in, in 2037, we can fully call it ours.

who knows what tomorrow brings? somebody said “i do not know what the future holds, but i know WHO holds the future”. i completely agree. i might not live that long to see the the house when it is fully paid, or i might. we’ll never know, but that fact didn’t stop me from being emotional about the whole thing. when we stepped inside and inhaled that newly painted scent, i had to fight back tears.

i know some of you may find it annoying that i make such a big deal out of this news. i do not blame you. after all, borrowing a brand new house is not something out of the ordinary for most americans.

if i tell you however how when i was little, we used to live in a house with no floor, with walls made of large recycled cans, and with roof that rains inside when it’s raining outside…you’ll have an idea why i am making such a big deal out of it. this is a blessing that i didn’t even imagine i deserve, and i am very grateful.

this blessing is also emphasized by the fact that my husband and i started this dream together even before we got married. some of you may not find any sense of romance in that, but i personally find it very romantic that OUR simple dream is now a tangible reality. it makes me feel warm and fuzzy all over. so please, pardon my melodramatic mood.

don’t worry, i will eventually stop talking about our new place. before i finally do that, let me just say this, with the hope that it will be helpful to future home buyers: 
     Countrywide Home Loans, you really think we will not notice the extra $11,000.00 origination fee? as if delaying our move in for almost three weeks by messing up our rates and terms were not enough, you told us we will NEVER get a better deal! we are very disappointed. you’ve proven every bad rumor as truth, and then some.
     Bank of America, 5.8% for a 30 years fixed term? as if very efficient loan officer and assistants were not enough, you also closed our loan in one day! we are very impressed. now i see why you have what it takes to be called THE bank of America.

anyway, i still have four nights scheduled within the next ten days, then i’ll be off for two weeks. we don’t have a lot of stuff, so packing and moving will hopefully be a breeze.
or not.

thanks for your thoughts on my last post. you have given me ideas and courage. i told myself i will not make any excuses anymore. if something like that happens again, i will be ready. if i mess it up again, i’ll make sure you will not hear any of it here.

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on a totally unrelated topic, but for a good cause, september 21st is World Alzheimer’s Day. if you are interested to help in finding a cure for this depressing disease, please go to this site. you can also go directly to their consumer site, to help raise a million. thank you.