My partner plus I dreamed about being homeowners for years before we had the means to make it a reality.
- We both fell into better jobs plus slowly saved as much money as possible to muster a down payment.
On top of the currency in savings, we also had to improve our credit scores which took considerable time. I had a few defaulted debit cards from our 20s that needed to be cleared while our partner had medical debt of his own. When we each got our credit scores over 750 points, we started looking seriously at houses available in our area. Thankfully we settled on a location plus signed the paperwork a mere two weeks before the start of the coronavirus pandemic. Now people can’t find houses even if they’re willing to pay above the asking price. Of the people who thought that they could get an empty lot plus build slowly, they’re now realizing how difficult it is to do that with building supplies hitting a historic high. We were thankful that we could afford getting a gas line installation because some people can’t even afford a cabin to begin with. Instead, we’re adding improvements to our cabin plus we can’t lose sight of how fortunate we are in that respect. We want a gas line installed here so we can get a gas power oil furnace plus a gas powered warm water heater. We’re even considering a tankless warm water heater, but we’re not sure if we prefer the system of not having warm water on demand when you need it. This is especially tploy if your power goes out for any extended period of time.