Housing & Mortgages

I'm exhausted. But, obsessed. Spent the last few hours calculating to the extreme all the house-owning costs.

Taxes. Mortgage. Condo Fees. Utilities. Etc. Everything that could rear it's ugly head and bite me in the ass.

Thus far, I've managed to do it all WITHOUT touching the $5000 my brother was going to toss in (since he's moving in with me). I'm sitting firm and clear with $3000 in the bank AFTER I buy the house. Debating using $1400 of that now to pay off my student loan and conserve another $1600 in principle + interest remaining on the loan over the course of the remaining 32 weeks left. That lightens the debt load.

Basically, I'm fretting past midnight on qualifying for this mortgage. Yeesh. At the same time, even though I'm spending less on mortgage (principle), I'm gaining equity with every payment. That's a good thing, IMHO. I just hope the bank agrees.

And yes, I realize I'm probably being anal woman and worrying more than I need to for no damn good reason. But, Murphy is NOT my friend.

Yikes! I'm turning into my MOTHER!

Well,after my LAST post, I recalculated some aspects of my budget (loosening the noose), did the Celtic-Cross Tarot read, and composed a small designed prayer in this waxing-faze of the moon for tonight.

Me? Paranoid about qualifying for a mortgage? Why, yes. Thank you for asking. I NEED all this to go smoothly. I need to know by Friday of this week that the condition of financing for this house is cleared. Then there's the home inspection and the Estopel certificate, but that's not my PROBLEM, per se. Just a factor.

Dear Gods, I want to know I have smooth water running ahead. I really REALLY do.

No. REALLY.

And, now that I'm at work, after sleeping five hours -- maybe -- I'm pondering how long I'll have this anxiety and when will I stop acting as neurotic as my mother?