April 27, 2017
Erika and I played email tag in an effort to set up a time together to review my shamble of a credit history and develop a plan to prepare for home-ownership. We agreed on 4/27/17.
This day was memorable for a couple of reasons. This week was the height of Fiesta. As I attempted to become a local I had to purchase medals. Naysia and I were to meet Anita DeLeon for a lovely long lunch and that evening we had plans with Yolanda to attend the highly recommended NIOSA. Prior to those two outings we met with Erika at Alamo Community Group.
I brought my credit report and a significant amount of fear. We set across the lovely Erika and one of her first questions was: "What are you afraid of?" Not one to share my true feelings it took me a moment to share past familial experiences, the home(s) I grew up in were no longer a part of my family, financial fears and I shutter of the overall responsibility of home ownership. Erika has obviously done this a time or two, tapped into the positives I had expressed, and eventually we moved on.
I slid my credit report across the table. Prior to looking at it she asked if there was anything to worry about on it. I did have one issue that was due to fall off within the next 2 months. Otherwise, I thought it was great--compared to how it has looked in the past. She reviewed the numerous pages and didn't have much to say. I wasn't sure how to interpret that.
Her next comment is not what I expected and certainly not according to MY plan. My plan was she'd give me some pointers, I'd work out some goals, start looking at houses in June and move when my lease expired in August.
She said, "I think you could apply and would be approved for a loan today".
My stomach got queasy. I began to stutter. I wasn't ready. I don't know what to do. I don't think now is the time. Oh my God! I need to pray about this. I looked at Naysia to tell me no and of course she said yes. Erika chimed in and said if I didn't feel like it was the right time it was okay. I sat in silence. Unbeknownst to them uplifting a silent prayer. Let's do it.
Erika had a bank in mind that would work well with my situation and I filled out an application, signed a few things and Erika scanned it all to Sarah De Leon. Yes, another De Leon--coincidence? I think not.
In the spirit of Fiesta, Erika stated that her office would be closed the next day (Friday) so I probably wouldn't have an answer until Monday morning. We bid adieu and Naysia and I headed off to lunch with Anita.
I took a brief nap before Yolanda arrived. And just as I was sharing the days events the phone rang. On the other end was Erika. "Hi Tariequa. Are you sitting down?" The rest of the conversation was a bit of a blur.
🗸 Prequalification
🗸 More $ than expected
🗸 Email coming
🗸 Find a realtor
🗸Start shopping for a house
Joy, excitement, nervousness, disbelief. The only thing that's gonna fix this is Chicken on a Stick at NIOSA
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