07

Our Little House on the Prairie

Every now and then we get something right, Kathie and me. When we were shopping for a house we were scared. We’d never done anything quite so grown-up before. We spent weeks and weeks getting our credit house in order. Making sure old, dead credit cards were canceled. Making sure everyone got paid a little more than necessary and on- or ahead of time. When the day came we were pushing a FICO score in the middle 700s but weren’t really sure that actually would mean for us. How Much Could We Really Afford? We went down to see the Money Lady that our real estate agent suggested. She was very kind and patient and answered all of our questions, sometimes twice. She took down all of our information and then suggested, with a straight face, that not only did we qualify for a mortgage, but we qualified for about 125% more than what we were really wanting to spend on a house. Kathie and I had gone to several mortgage calculator Web sites and punched in some preliminary numbers and we had a figure in mind that we were comfortable with. When we found out that we qualified for a mortgage we were overjoyed. When we found out we qualified for one quarter more than what we were looking […]