Jon and I are going to the bank today. We are going to reopen our mortgage and get the ball rolling on officially buying my parents' house, mortgage payments, school taxes and all. My dad (like many dads, I'm sure) has "strongly suggested" (the way dads do) that we secure our mortgage before rates skyrocket.I am curious to finally meet our new mortgage consultant face-to-face. We've had numerous conversations over the phone since selling our condo back in the fall. During our first chat, I thought she was pretty gung ho to be at the office when she clearly had dentistry issues. Her voice sounded like she had a mouth full of gauze, or sedatives. Call after call to the bank and without any improvement to her tone, it became apparent to me that she did not have any dental work done at all. She really does talk like someone with a mouth full of marbles.
Last week, when I called to announce that we were ready to reopen our mortgage and claim the eleven grand in penalty fees that the bank so heartlessly withheld from us, she asked some routine questions like, "Whad ith your cuwwent wowking thatuth?"
"Well, I am self-employed, but I'm on maternity leave with my baby. And my husband just started his own business." On the other end of the phone I heard what I can only describe as the sound of our chances of securing a mortgage going down the toilet.
"Mhm," she replied.
Two years ago, I managed to secure our condo's mortgage on my own with my meagre publishing salary. This time around, Jon and I will both be signing our lives away to the bank and both our incomes have improved since then. However, the economic climate has changed significantly over these past two years. Without the backing of an employer, will we be able to get what we hope to get?
We do plan on playing our wild card: we're bringing the baby along. If our consultant is on the fence about giving us a mortgage for the amount we need, we hope that Marshall's smile will help sway her decision, like a new puppy or a kitten might.
We only hope she isn't allergic to babies. And that the baby doesn't spit up or poop on her.
