Things are changing quickly. On Saturday, on our way to go fishing, I said to Ralph, “We should take some money out your 401k to help Marie make a down payment on a condo.” He was open to the idea.
The next morning, I said we should look for a condo. He said there was no way we could find a suitable condo in our price range. I said to him, “God has provided for us in so many ways. He provided the money for you to go to college, and you graduated from college with no debt. He led us to this neighborhood where our kids received an excellent education in a tiny school district. Our kids were more successful than we could have imagined. God provided the funds for them to go to college. Don’t you think that if he has been faithful with that, he would be faithful for our need to find another place?” (I went on to list more instances of God’s provision for us in our lives.)
Then he went to the computer and started looking up condos for sale. “Here’s one we could afford. Two bedroom, two bath.” That is, one that Marie could afford. We cannot get a mortgage due to our debt and medical bills. We showed the condo to Marie, and suggested we go over and look at the outside of it.
I wrote an email to a real estate agent that we have been working with for the past six months. I told her about Ralph’s cancer and wondered if Marie would be able to buy a condo, and we could move in with her and pay rent to her. She emailed me back and said that it wasn’t likely because the real estate market here is so hot…and some condos are getting 20 bids with some bids exceeding appraisal values. She doubted we could find anything soon.
45 minutes later, she called me and told me about the same condo that we were planning to look at the outside of. We went over with them and instead looked at the inside and outside of it. Nice. Very nice. It has a den/dining room with french doors that we could use for a clean room should Ralph’s white blood cell count dip to dangerous levels. Two full bathrooms, two bedrooms. A gas fireplace. And only two miles from Marie’s job.
Out in the car we all agreed that we liked it and should make an offer on it. We made an offer on Tuesday night at the full asking price. At 6:30 the next morning, our real estate agent told us that the seller accepted Marie’s offer, but only if we could sign the acceptance by noon. Marie did that. Now she is going through the process of getting the mortgage. Next week are the inspections. Then the appraisal. Then hopefully the closing not too long after that.
Then we move out of this old house. Now to choose what to take, what to sell, and what to throw away. The thought is overwhelming. Will is planning to take our old dog, Daisy, and one of the old cats, Chris. We will take the old cat, Mistletoe and the two younger cats.
Then we sell this house. We are downsizing. We won’t even “own” our own house. But we will have a place to live. And Marie, although she is qualified for this mortgage and has excellent credit, will find it easier to pay the mortgage and other costs with us paying rent. She could have the condo paid off fairly quickly. Marie told us a few months ago that she did not want to live alone. We are very fortunate to have her as a daughter. We never imagined that our daughter who spent 13 years in special education, but went on to obtain a college degree in accounting, would come to our rescue. We are praying that everything goes smoothly with no hitches.
Ann Kilter said:
Over the last six months, Marie has come twice to the point of buying a one bedroom condo, and later a one-bedroom apartment, only to stop at the last moment. Now, at the right time it appears, she has moved forward very quickly.
I am SO happy for you, and pray your house sells quickly, and any stress from “housing” is quickly removed…especially since you have so much else to deal with right now. My mother’s home worried her so as to how it would ever sell once she was gone. When that happened, we put it on the market on a Monday, and it sold on Thursday (3 days)…”as is”, and the purchaser paid cash,”flipped” it, and we got the money within two weeks. It CAN happen!
the jay train said:
I hope things go smoothly as well.