House Buying

So for the past few months (for my wife longer) we've been looking for houses to buy. We finally found one (no not the one in the picture, this is the internet and I'm not about to post EVERYTHING to the public). It's been completely remodeled and almost everything is brand new. We started the long and painful process of buying it last month. Things flew at first. I got all the required paperwork and anything requested to the lender and our agent within an hour of the request (most times within 5 min.). I wanted things to go as quickly and smoothly as possible, and they did up until last week. We were supposed to close on the thing this past Monday. Then we found out that there was a complication with the mortgage insurance. Once we got past that now there is something else. What a pain in the butt. We are hoping to close today. That remains to be seen. To anyone that hasn't experienced buying a house it is now clear to me why people, once they get a house, tend to stay there until they die. Aside from the fact the moving is a physically tiring thing and a pain, getting everything bought and signed and cleared is just as much a pain in the butt as moving. We have NO debt and great credit, but these guys are picky.

Oh and another thing, when you look around and you use the little calculators to calculate your payment on the house keep in mind that is for the house ONLY. You have to top that off with insurance on the house and insurance on the mortgage and insurance on the insurance and THEN you gotta sign that in blood and give your first born and a few fingers and toes of the second born in some cases to assure them that it's all going to be ok. You have to explain every aspect of your life to them so they can document it and have you sign it. This is all on a house that is NOT a short sale. I don't even want to think about what a short sale would be like. A nightmare from the abyss is my guess.

Aside from all the crap you have to go through to get the house it'll be nice to have a house finally. No obnoxious neighbors through the paper thin wall. They will at least be in a separate building. Space to put our junk. No more fighting for parking. Me, I'm looking forward to not moving every year. Something a little more permanent will be nice.