January 2019 – Closing on my First House

If you want something badly enough, don’t give up, no matter what they say.

– Lauren Osborne

I turned 30 and i had a good look at my life. I’d spent my entire adult career waiting and saving for the life i would one day have. At some points i had 3 jobs at once and worked 60 hour weeks. I was still nowhere near the amount i needed to fund the things i was saving for. So i decided to take the money and buy myself a house, a belated birthday present to myself if you will. However, not just any house would do. I wanted a tiny house. A tiny house and land. Finding and purchasing this tiny house turned out to be around a 6 month process. First i had to realize that buying the tiny house and the land separately was more work than i wanted to put in. It involved digging my own water well, putting in a septic tank, running electricity and internet out to the property…in some cases, paving a road to the driveway for access… Some properties were heavily wooded and involved clearing many many trees to build anything at all. Originally i wanted to purchase a tiny home from the mustard seed tiny home company. Their tiny homes are beautiful and utilize every inch of storage space available. However, when i realized how many independent pieces of a property (all capable of corruption or error) had to come together to make the finished product, i was interested in finding a property already half finished. And then God seemingly dropped it in my lap. A tiny house already on 2 acres with electricity, a water well, and a septic system. Just one problem. Unless i was a millionaire, i needed a bank to decide loaning on this property was a good idea. Apparently it is easiest to get a bank loan to buy something a whole lot of other people want to buy…not so much if you march to the beat of your own weird little drum. I wanted this house on this property more than i’d ever wanted anything in my entire life. For months i remained quietly frozen by this fear that it would remain forever out of my grasp. However, the banks were of the opinion that it was not a sound investment for them to make. They say third time’s the charm. In this case, they were right. Bank number 3 stuck in there and didn’t back out. In late january i took a half day at work and left early to sign the papers and close on my new house. I remember it felt surreal when the keys were put into my hand and i floated across the street to put the electricity in my name in a haze of confusion. Did it finally happen? Could it be real? If i pinched myself would i wake up and the keys be gone from my hand? It was real. I owned the property and the bank owned me. 🙂

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