So, hooray for more income!
However, that will push us over the income limit for a variety of first-time-homebuyer assistance programs (just barely).
So, either we hurry up and find something before Terri gets her first check, or we switch over to a different type of loan.
With a higher monthly payment. Which, thanks to the new income, we can afford. Mostly. Sort of. Reluctantly.
But then… where? I mean, I knew the San Francisco Bay Area market was tough on first-time-homebuyers, but it sucks. It really, really sucks. We are currently just trying to figure out where we are willing to compromise, because our options all sort of suck in one way or another.
Do we move way far away and have a great house but a long commute for me?
Or do we live in the war zone of flatlands Oakland?
Or the ick that is Hayward?
Or do we buy a condo (which I really really do not want to do, and there aren’t that many in our price range anyway, oddly)
Or do we just sit tight and save money and wait for a better plan to come clear? While housing price climb out of reach again?
So close, yet so far.
It’s very hard to decide what is the best thing to do. I love my job and it’s very stable, and so relocating altogether isn’t really an option right now.
We like our apartment but there’s no yard and it’s freezing, so it’s not ideal either. And we really don’t want to move again until we’re sure the next move is the last one for a LONG time. Seriously. I have lived in eight places since moving to California 12 years ago. Enough.
And I really, really want a house. A lot. It’s driving me crazy.
So. What to do? I calculate commute times and gas money. We look at murder maps and cringe. We do online research for other options.
This is going to take a lot of work no matter what. If we lived ANYWHERE else (except, perhaps, NYC) we could buy something with no problem. However, we don’t, and we aren’t moving away anytime soon. So, well. Crap.
Now I’m grumpy. I had goofy raw-food-restaurant food for lunch and my tummy hurts. I Am Not Grateful.