A change of plans

It's funny how life makes plans for you while you weren't looking. I really enjoyed riding on the fine weather days that we had in the late winter and early spring. I even had my boss giving me the evil eye as his bike was still parked.

As the weather changed for the worse so did our lives (somewhat). At the end of March we received a 3 month notice for termination of rent. We have been renting this house for 4 years so it came as quite a shock as our landlord had told us not two months earlier that she was not going to sell the house. We were settling in beautifully and I had just planted some flower bulbs and had started a garden as I thought we were going to be around for at least a couple more years. Well, that was not to be so we were left with a decision.

We got ourselves a "plan B" and lined up a place to rent but thought "why not try and buy a home" as we were paying as much in rent as we would be to have a mortgage. Well, we did a mad week and a half dash and looked at 7 homes for sale and found one. Now it's not the prettiest thing on the block and it didn't show well, but it had LOTS of potential. Being handy kind of people we thought "why not" and put in an offer. They accepted.

So the insurance came up for renewal while all this was going on and we decided that we were going to park our bikes for the few weeks as we didn't want to have any extra expenses and wanted to put all our cash into the down payment. It hasn't been much of a loss as the weather this spring has been windy as hell and cold so I'm not really missing it too much. The only thing is that I had to give up the women's weekend in Uculet which is a real drag, but I couldn't justify the expenditure of going out to play while all this was happening.

So now we had to get the banking in order...
I would have thought that a 3 day wait would have been normal, but it's been 10 days of jumping through hoops to get this mortgage. I'm beyond frustrated with the whole thing and have lost 10 lbs (which I can't afford to lose) as I haven't been eating, and many nights of sleep over this whole fiasco.
It should be a simple accounting...they make x amount of dollars and the mortgage payment would be as much as they rent for...Shouldn't be an issue but of course it is. I think that the CMHC needs some new accountants that can actually add up the numbers!

So, we now have one day to get the mortgage and the house inspected. It HAS to all happen tomorrow or we LOSE the house as there are other offers in on it.

In the end, if we end up renting plan B I'll be fine with that but I sure as hell would be pretty angry for wasting my time and energy (and money for the inspection) for a house that they don't think we can have.

As soon as the bank says "yay" or "nay" I will be putting the insurance back on my bike and going for a LONG ride!

The fingers are crossed that I'll be starting a new renovation blog on my birthday June 1st. We take posession on the 31st of May and I think that taking ownership would be a great birthday gift!

Happy birthday, here's a sledgehammer...