We have accounts at both a local bank and at the credit union. We got both our last house loan and our car loan through the credit union since they tended to offer better deals. We'll have to see. Both are offering about the same interest rates, but from what I've seen on line, the bank may actually be more willing to work with us. Last time the credit union immediately sold our loan to a large holding company anyway.
We were talking about house and finances over dinner. The biggest concern now seems to be having enough money to make modifications to the house (one of my first priorities is a wood stove). It seems we, at least, have moved beyond the worry that we can make the payments to figuring out how we can still have the extras. I just hope the bank will see it our way.
I DO so hope this can work out. This is something I have been dreaming about for years. I really hate this economic chaos that has interfered with our dream. Things would be so much easier if V still had his job. The work with his brother won't bring in much and he doesn't have a signed agreement yet so we can't really count it. So we're hoping to secure this loan with just my income. (Sigh) We did it before. V wasn't working when we bought this place so I know it can be done. The stakes are just a bit higher now, and I feel more of a sense of urgency.
I hate to be negative but I feel a real need to have some land and the ability to support ourselves should things get really bad. If it turns out that V can't find a job we can still feed ourselves, at least.
Well, now I'm just getting depressing....
I will be planting my broccoli seeds tomorrow. I can't wait to get my hands in the dirt, even if it's only under the lights.