Posts Tagged ‘ housing

Finishing things

Two things happened this week.  First, we now own a house.  Second, we had the wedding reception. That one followed the day after the other was a fluke.

I’ve hesitated to write anything in detail about our experience in buying the house this summer because I was unsure if anything I said would come back to hurt us before it was all over.  But now it’s over.

We bought a short sale from a nice guy who had a whole hell of a lot of bad luck.  I know we live in America and all – currently the land of “I’ve got mine and if you don’t then there must be something wrong about you” – but there hasn’t been a day when my excitement and joy about this beautiful house that we now own hasn’t been tempered with a sadness and resignation about the only way we could afford something like this.  And that is by someone else being in desperate circumstances.

When I’ve told people that, they tend to become remarkably uncomfortable.  They usually try to justify the whole exchange as simply financial and amoral, but there is a large part of me that fully believes the amount of pain M & I have suffered this summer in our transience has been some sort of penance for the way we’ve come to own such a special place.

To buy a short sale, a house that is still owned by the person who is losing it, you must have an element of vulture to you.  The ability to rationalize that their loss is inevitable and it may as well be  you who gains.  And I suppose that is good enough for many people, and, despite rationalizing in that way myself, the guilt of it would overtake me at times.

I’ve seen the destruction left in the wake of other houses people were financially forced to vacate: the appliances pulled from the walls, glass doorknobs stripped and sold along with any other valuables that could be harvested from the house.  Those houses are filled with anger and despair.  You can feel it when you walk in.

When we came to see the place that is now our home, it was a last minute thing and the owner was here.  The moment I stepped into the house, I was blown away by the feel of it and how beautiful it is.  We talked with the owner for a while afterward on the porch and decided to come back the next day and look at it in the daylight.  We were smitten with the house, and he made it clear that he wanted us to have it.  I think what he recognized in us was that, despite our status as vultures, we saw the same kind of beauty in the house.  We weren’t going to tear it apart; we weren’t going to flip it.

For months, we waited.  We moved.  We lost the futon to mold, we lost the sofa, area rug, and chair to moths in the storage space.  We moved four times by the end of the summer, living out of suitcases and hardly anything to cook with or eat on.  I reminded myself constantly that our homelessness was – to an extent – of our own making. It was a waiting game.  Would the house win? Or would we give it up and move to an apartment and call it quits?

Obviously the house won.  But not until we gave up and decided to abandon it, only to be talked back into trying a new loan.

This weekend, the former owner of the house routed an email through his realtor to our realtor to us.  He said that leaving this house was the hardest thing he’s ever had to do, but that he’s glad that we’re the ones who got it.  He told us the history of the house, of its former owners before him, of the things he’d done to the house to make it look the way it should (things that I had assumed were original to the house).  Though some people may find the email guilt-inducing (being reminded of the kind of work and care poured into this place), I found it a relief.  I cannot forget how I’ve profited on someone else’s misery – and despite people wanting to make me feel better about it, I don’t think I should forget it – but having that person feel that their love of a place wasn’t in vain, that he trusts us to do right by the house means a lot to me.

My father likes to tease me and is currently saying that nothing makes you a capitalist like becoming a homeowner, but I think he’s wrong.  I think the loss of community identity is tied to a feeling of entitlement.  If you continually question that entitlement, if you dig down and look at the privilege you have and what the effects of your choices are, then the often-repeated triteness that we become more conservative as we age doesn’t have to become true.

And to the former owner: Thank you for giving us so much in this house.  I know the house itself wasn’t voluntary, but everything you carefully added to the house over the years was your choice to leave and I recognize that as a gift.

I love you, MPR

Megan and I were coming home from an evening at Spyhouse (me desperately writing a paper for a conference, a sad excuse for a paper; Megan reading) and caught the end of The Story on our glorious Minnesota Public Radio. This is what it was about:

Jessica Zichichi and her husband Sal have held onto good jobs – their problem is the housing market.

Jess and Sal were living in a small house in Cape Cod that they loved. Then Sal took a job in South Carolina. It was 2006 and they figured they could easily sell the house. In the meantime, they’d live on their 33-foot boat.

Then the bottom fell out of the housing market. Jess and Sal were stuck living on the boat while they rented their house to a nightmare tenant and tried to rustle up enough funds to build a one-room barn to live in. And then Jess got pregnant. She talks with Dick about some of the good that’s come from her family’s ordeal.

With all the awfulness of our own buying(?) a short sale ordeal overwhelming most aspects of our lives at the moment, hearing Jess’s story was like a moment of light. I think this may have been a rerun because I vaguely remember the story, and I remember originally thinking “oh how terrible!!” – but this time it just delighted us. We laughed and gave each other big smiles every time Jess’s story intersected with ours. Just knowing someone else was going through things as ridiculous as ours – and more so, at least we’re not living on a boat, right? – made our transient life a little less lonely and tragic.

It’s not perspective really, more of a relief at shared troubles. I guess that’s perspective in a way.

All I know is that MPR brings me so much joy so frequently. And I love listening to it with Megan.

***

By the way, I haven’t even talked about how we got married. But it was so fantastic. I’ve started a few posts about it, but things have been so nuts with the house stuff that I haven’t even had the level of concentration necessary to finish writing the posts and do the wedding justice.

What does a girl do when the other girl is gone?

Apparently, that girl reverts to all her obsessive behaviors. Worked all night, save the time I was on the phone with Megan. Installed the new WP and plotted future improvements to the site. Read and plotted grant applications for my real job. Tried to break away from the computer. Failed. Wondered if I wanted to incorporate Twitter in my blog.

I was also reading a bunch about salary negotiation/feminist finance type stuff and feeling overwhelmed by the prospect of saving for a down payment on a house. I know everyone says “do it now! it’s so cheap!” but those were the same lines I was being fed two years ago – “do it now! interest rates are so low!” And then everyone on the planet got foreclosed on. Hyperbolic, I know, but there are dozens and dozens of foreclosed/foreclosing homes in my neighborhood and you can feel the stress of it when you walk down the street.

Something I don’t really advise at night, now.

To those of you who read here, I know you’re not much of a commenting crowd. You often respond on Twitter or in person, depending, but what improvements do you want on the site? I could thread the comments, but won’t if people still don’t care to comment. I could pull in a twitter feed to keep some kind of content fresh.

I can anticipate topic areas this fall. Let’s have a preview, shall we? (Oh humor me, Megan will be back tomorrow and I won’t need you to put me to sleep at night again for a while. Let’s just talk a little longer.)

Things that will likely come up beginning in September:

  • ruminations on technology in education
  • bitching about how much I dislike the statistics class I just spent a billion dollars on books for
  • thinking about the role of race in researchers and, by extension, the role of researchers in developing race
  • election ’08
  • the old standbys of feminism, racism, and cool technology things and promoting my friends’ activities because they are awesome
  • and of course – how googley-eyed I am over Megan

Yup. I think getting off teh interwebs is a good idea…