From Idaho to Salisbury, MD – A Homeowner Turns an Unfortunate Situation into a Happy Story
My house hunt began in Delaware and despite my best efforts to plan ahead, I was off to a rough start. I was moving from Idaho to the Delaware or Maryland area to be near my youngest grandson who has special needs. My difficulty in working with a realtor in Delaware resulted in returning to my current living situation after a month of searching for a home.
I was beginning to change my search from buying to renting when I received a call from Long & Foster Real Estate Agents, Millie Cappello and Donna Malone. Somehow the real estate search website I was utilizing picked up on my dilemma and they reached out over the phone. I now felt encouraged that homeownership was for me.
After speaking with them, I decided to load up my cats and driving my own car, head for Maryland. When I arrived, Donna and Millie had a prepared list of homes in my price range. They really were looking out for my best interest. I found the house I wanted our first day out.
Knowing the industry and homebuying process, Millie and Donna contacted a local mortgage lender. They reached out to Liz Buckley at Movement Mortgage who I understand then reached out to Jane Hoy with SNHS.
Even though I had money to put down on a house priced less than $100,000, it wasn’t enough because my budget on a fixed income was too tight. A $5,000 grant from SNHS and an FHA loan made the purchase possible. I was able to utilize the funds because I purchased a home within the Salisbury city limits.
On my budget, buying was a better option than renting. My house payments are less than rent. My mortgage is at a fixed rate, I don’t have to worry about it increasing. Most importantly is I have a home near my youngest grandson and I’m close enough to see the older one when he can visit.
I will always be grateful for their guidance and helping turn an unfortunate situation into a happy story. If I can offer any advice to homebuyers, it’s buy below your means and enjoy life with family and friends.