So I was all ready to buy a house.
By Chysom Scott
@CJscott (4187)
Portage La Prairie, Manitoba
August 11, 2009 11:42am CST
And I started looking and looking. There are all sorts of houses in this area for sale. Big ones, little ones, small yards huge yards. Of course we have specific needs for our house.
We need a house with a few bedrooms, and a decent yard. That is family friendly. A fair size would be good, as my Wife wants to start a home daycare. We have a fairly limited budget. But we kept our spirits up, I always have high spirits.
We looking at over a dozen homes and none quite matched what we had in mind. Then on house 14 or 15, we found it. 1750sq feet, a living room the size of most houses. A huge dining area, a decent sized kitchen. Two of the biggest bedrooms I have ever seen. A good sized yard, a single garage, NO STAIRS, a one story home, it was PERFECT. Except for one wall, that was finished in Barn Board. But, nothing is perfect. So, we make an offer, and The Seller accepts, perfect thought us, so We talk to the broker, and ... we wait, he calls, says the Canadian Mortgage and Housing Commission wants to appraise it. Perfect we thought, it will get inspected, and appraised, and we don't even have to pay for it. And we wait, and then the call comes.
According to the CMHC, all the things we loved best about the house, makes it Unmarketable, and they won't approve the insurance for the mortgage on the property. For the exact reasons, it is perfect for us and what we want to do, we can't have it...The most depressing half hour of my life (I tend to get over things quickly)
So I have two questions one way less serious then the other. The less serious one, would anyone like to give me 14000 dollars, so I can pay enough of a downpayment that I don't need to insure the mortgage? And I mean give, because they don't let you borrow the money to make a down payment, need a notarized letter stating the money CAN NOT be paid back...sigh.
And for the serious questions - Has this happened to you before how did you deal with it? Does anyone know of a way I could get around this? How was your first house hunting expedition?
Cheers.
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1 response
@zigzagbuddha (4601)
• United States
11 Aug 09
Well, I don't know anything about Canadian law, but here are some things that I DO know:
There is no such thing as 'the perfect house'.
Or rather, every house is the perfect house... until you move in. As soon as you move in you will find the things about it that you would prefer other than the way they are... not enough closets, not enough electrical outlets, not enough light, non-existent water pressure, etc., etc., etc. This is not a bad thing though, because every house you ever live in will help you further clarify your idea of an ideal living space. Just like Life, it is an on-going creation.
Anytime things are not working out in a way that is pleasing to you it is an indication that you are harboring beliefs that are counter to what you are saying you want.
It is of no value to fight the current, the best thing to do is to go within and find the thoughts and beliefs that are creating the resistance and change them.
Everything you desire is yours for the asking, you just have to get out of the way, relax, and allow it in.
OK, lectures over, now it's story time, hehehe.
I once bought a house. I had no money, no job, 2 kids, 5 cats and a dog, and we were all of us camped out in the room behind my mother's garage. I was just moseying along and had no clear idea of what I wanted to do or where I wanted to go, and was just making the best of the situation I was in... until the day my mother attacked me with a meat fork.
At that point it became clear to me that I needed my own space. My kids and I hopped in our car and went out house-hunting. We were looking for a place to rent but after an entire day of finding nothing that was suitable we were on our way back to my mother's house, feeling a little dejected I might add. At the last minute we noticed a road we had not been up yet. It was called 'Bee Town Road'. We all LOVED the name of the road! We turned onto it and drove up the hill, and there at the top of the hill was the most beautiful house we had seen all day!
It stood there, stately and serenely blue, overlooking the rest of the neighborhood and butted up against 1000's of acres of wild, mountain forest. With a for sale sign in front of it.
Man, we were so excited we could hardly contain ourselves. We called the number of the Realtor to see if we could possibly rent it with an option to buy. My heart was racing and my palms were sweating as I made the call... with my kids joyous faces shining up at me.
Well, the Realtor had to contact the owner, who lived in another state, to see if he would be interested in our offer. We waited and waited for what seemed an eternity for the Realtor to get back to us with his answer.
Finally the phone call came... the owner would be willing to sell us the house on a land contract!! My sister just happened to have the exact amount that I needed for a down-payment sitting in her bank without any purpose, so she fronted it to me and my kids and I moved in to our new castle.
The house was furnished with antiques and a pool table, which was great since I had no furniture of my own, and I LOVE playing pool! I got a job waiting tables at the nearby 5 star resort hotel and we floated along in ecstasy for many months.
This was before I had discovered that one's beliefs and expectations are the building blocks of one's reality though, and once the 'emergency' had passed (my mother, her meat fork, and my children's confidence in me and their eager expectations for our own house... all of which had caused me to 'bypass' my own negative beliefs and self-image), once that was gone, then the demon who resided inside me resurfaced and went on a 'killing spree' that lasted many years.
She was terrifying, 7 ft tall at least, with filthy matted hair hanging in her face, hiding the swirling orbs of malevolence that were her eyes. She was a master of deception and lies, her power and strength was unfathomable, but oh how I fought her for control of this body and life... and she was winning, she had me pinned to the ground, demanding my submission. That was when I realized how futile resistance was. And once I stopped resisting I realized who she was and finally took responsibility for my own creations.
She was the compilation of old hatred and rage masochistically turned inward on myself, and while you may not yourself be experiencing anything quite so dramatic it is nevertheless true that any battle you have ever or will ever engage in is ultimately a battle with yourself, no matter how convincing the illusion of an external 'opponent' might be.
Any questions?
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@zigzagbuddha (4601)
• United States
12 Aug 09
Whenever I want an answer to something I just ask myself the question and wait for the answer to come... sometimes it comes as a thought and sometimes it comes from an unexpected avenue, but it always comes.
Just the other day I discovered that I had been making a really stupid mistake in my job. I couldn't believe it as I take pride in doing a job well, in fact I'm something of a perfectionist. It really threw me for a loop... I couldn't understand how I had made such a stupid mistake... not once or twice, but over and over!
The answer did not come while I was 'chewing' on it and entertaining feelings of self-doubt though, it came a few days later when I was relaxed and doing something enjoyable. A memory of myself sitting there snipping with the timer going trying to beat my employers time - with my gut churning and my body tense and rigid - came into my mind, and it hit me... THAT was when I had made all those mistakes! Needless to say I don't use a timer anymore! I just take my sweet time and enjoy the process!
Another time I had a friend who was in the hospital. I had read something about placing some kind of metal on the skin to aid healing and as I sat there wondering what kind of metal I should use, a group of people walked past his door and I clearly heard the words "no metal"! I don't know what the context of their conversation was, but I had no doubt that those 2 words were for me. I didn't put any metal on him.
Those are just small examples but large or small still works the same way. Just ask yourself what beliefs you hold that are not serving you regarding your purchase of a home. Don't make a lot of effort trying to figure it out, just ask the question and let the answer come in it's own time. And above all, have fun! A playful approach brings more results than a serious attitude every time!
What are your present living arrangements? Are you under a lot of pressure to hurry up and move?
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@CJscott (4187)
• Portage La Prairie, Manitoba
18 Aug 09
Well first I will say, that house got sold. And fast so that appraiser guy who said it didn't have marketability might need to think about a career change.
I am just becoming a student of this law of attraction that you speak of, and how our answers come to us, the more I learn the more I want to learn. I apply it daily it does seem to be working quite well.
My current living arrangements. I live with my Girlfriend and Son at her Fathers house. We were staying at a mobile home over the Winter, but the owner of that place had an issue with where he was staying and needed to move back in, so he kindly gave us notice. We were talking with the bank at the time already. So 6 weeks go, and we had a few opportunities, but none of them worked out. For whatever reason. If it was completely up to me, I would have moved into the second house we looked at, but spilt milk...anyways, our time ran out, and Her father said we could stay with him for a while. It's been almost 2 months here now. I don't think there is much of a rush, but I just don't feel right being here. Anyways, doing a second run through of two more houses tomorrow.
Cheers.
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