So now I'm getting stressed and confused:
1. I really want the Baltimore City $3000 forgiveable loan for city employees, but you have to go to a class first. The classes are only offered sporadically, and I have no real idea what to do once I take the class. I did register for a class that specializes in SW Baltimore. I don't want to live in SW Baltimore, but at least I'm getting the class taken care of. I have heard that getting this grant is difficult and often it comes at the very, very last minute.
2. What is an FHA loan? Why don't I just get that? I looked around online and applied for one, but it seemed random and I'm expecting it just to result in junk mail in my email box. So far, I'm going through MECU because (a) I want the mortgage to come directly from my paycheck, knowing that my paycheck only comes for ten months (this is big); (b) they pre-approved me for $150,000 and she said nice things about my credit; and (c) most of my teacher friends have gotten it from MECU. However, I'm worried that all my friends are in better shape financially than me and had more for a downpayment. The 3.5% down payment will eliminate all of my savings for the summer. I should be able to save enough before the end of May to replenish, but it will be a struggle. The unpaid months of July and August will be very stressful, unless I can find great 6-week work somewhere.
3. I haven't got my W2 from the restaurant yet, so I can't do my taxes yet. I'm counting on a big return on my taxes this year in order to have 3.5% for a down payment.
4. I met a realtor on Saturday. He emailed me back. I called the number on a sign of a house I really want, and this other agent responded. I've also gotten two really good recommendations. I'm not really sure what "having" a realtor means. When do you know if you have a realtor? I don't want to tease these people. I want someone who is an expert at the Healthy Neighborhoods Program, as well as for the areas in which I want to buy. I want someone who will tell me about any Teacher Next Door homes that have snuck under my radar. I also want someone who will really help me navigate all these incentives. People are telling me things and I'm following up as best I can, but it's all too much for my don't-sweat-the-small-stuff brain. Does a realtor even help with this stuff? I might just need a life coach.
I'm also feeling terribly. I haven't been this sick in a while. Today, I almost took a sick day, and probably would have if it were such a huge week for our school.
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