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Personal Narrative: Buying A Home

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I’ve gotten used to the idea of renting, having lived in three other homes for the last five years. I wanted to buy a house for several years, but only if it is an ideal situation that will benefit me and my future family. I wanted to be more than ready when I decide to explore the idea of home buying as I don’t want to buy a nightmare at the expense of home ownership. This is how I imagine myself when that time comes.

I’M DEBT-FREE and have SAVINGS
This is a big decision so I imagine that when the times comes that I decide to buy a home for myself, I am financially stable and debt-free. Being debt-free means I tasted how good it felt to not owe money to anybody. So, if I will apply for a mortgage, it would have to be one that will not kill …show more content…
An amazing real estate agent and understand me, who will not laugh at my dumb questions, and who will walk with me through the whole process. And of course, fun to be with.

I FOUND A GOOD MORTGAGE LENDER
I’m thinking that since this is my first time buying a home, I will have to ask for help from my real estate agent. It will be pretty good if I will be approved for a loan based on my income with a good interest rate and the process will not take ages to complete. I will comply with any requirements needed like filling out all sorts of paperwork, submit several years’ worth of bank statements, and recorded phone interviews with companies where I pay my bills to ensure my financial stability.

I PILED UP A DECENT DOWN PAYMENT
I'm confident that I've been saving for years in preparation for this day. All the while, I will keep piling up my down payment fund and any extra cash will go there. Based on what I learned, having a sizable down payment is the key to qualify for a non-scary and best deal mortgage. A 15-year, fixed-rate mortgage with 3% interest rate or lower sounds like a good plan but if there's a better offer, why

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