OK, so I know I keep seesawing back and forth on this issue of should I buy a house. I had thought about it but eventually decided that I couldn't afford anything that was in the area that I wanted and had the amenities I wanted (like not sharing a damn wall with a neighbor) so I started looking at renting a larger place instead. Today we even went to see a potential new place to rent which was pretty nice.
Well, I got home from that tour and visited the Craigslist ads as I always do, and then for a lark went on the Prudential page that I use to look up local properties. And..
There is a great house for sale. It is a wee bit more than I wanted to pay, but I can afford it on my salary, not counting any CashDuck money or contribution from Boyfriend. It needs work, but I do have money coming in that I can use (plus if I put a nice downpayment down, I can take it back out as home equity in the short term.) It used to be a rental, so all the guts work, it just isn't terribly pretty. Very nice big backyard (which is pretty rare for the area) and a big deck. Plus, it is empty right now, which is important because I only have three months (approximately) to get this done. Boyfriend doesn't have intensive classes during the summer, so he'd be able to oversee the work a little bit, and my mom is retiring in June and really wants to help out too.
So.. I put in a request to see the house tomorrow, and for a quote from a mortgage broker (an Upfront Mortgage Broker, thanks Searchlight Crusade!) and maybe we can get this puppy going. Although it is a bit higher priced than I would like, it's going to be the only thing we can get a mortgage for in this area - and I'm pretty much guaranteed to get back all the money I put into it when we sell as all the other houses in the area are at least $50k more, and most are pretty nice houses.
As my mom said, you were meant for this house! But then, as I said, I just have to make sure no one else is meant for it too. :) Definitely be updates on this soon.
Edit: I just pulled my credit reports and scores, I have a 697 (???) at Experian, but a 749 from Equifax and a 740 from TransUnion. So I feel pretty damn good about that.