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I find it ironic that the same day I sent in a Health Insurance Application Obama's health care plan finally gets passed. Hmmm....

I've got one more fake tooth to put in and then I'm done! My mouth will be....3/4 fake and I won't have to worry about pain anymoreee until my next random cavity! So excited! My last tooth to take care of! Wait, so do I really need that super duper heavy duty dental plan with my health insurance now? Let's not jinx it, shall we?

So here's the deal. I think it is pointless to go get an apartment and throw all my money at rent when I could be paying the same amount basically for a house/condo and throw money into equity. So I recently learned, like 4 days ago, that part of my benefits here at work is, apparently, that I get my boss/attorney/real estate agent/broker's commission if I buy a house/condo. It sounds like the 3% he gets for selling the house, he just turns around and gives me as a down payment. Most lenders want a 5% downpayment I hear so I'll only have to make up the 2%. Totally sweeet. Between the boring hours, the salary income, the health insurance, and now the real estate benefits, I am not leaving this man for nothing. Nothing I tell you! I could definitely settle down in this valley.

Since I don't have to save up for years for a downpayment on a house/condo, I could buy one anytime I like.... the thing is that if I buy a house/condo by April 30, 2010 I get the $8,000 government incentive for first time buyer. Between equity and the $8,000 I could easily come out on top when I sell it. Man oh man. Now it's what my price range is, how much I can afford, how much a Lender is willing to give me and my lack of credit (but what I do have is good!) all of which determines which city I can live in. All that needs to be decided before I can even go shopping for condos. How long do you think that'll take?

30 days. Condo. Lots of money. Lots of decisions. Think I could do it? Hhmmmmm....

Read 1 comments
igdgaj;lfsdkhgadflja!

i couldn't comment!
but i think that you can buy the house. talk to a mortgage broker to see if they can tell you about how much they'd be willing to lend you given your credit, income, etc. also figure out how much you're willing to spend per month on mortgage and insurance, taxes, HOA fees, etc. This should not exceed 45% of your income, less if you have other debts.

also those were both dreams. the entire entry was about a series of horrible dreams i had last night :( will be getting a dream catcher soon :(