Prequalify? Home Hunting!

Well, its been a while. I need to stop over thinking and just write. I almost have more drafts than posts.

BabyGirl is back on her own and we are back to normal lives. She has a car now, at least more protection than the moped. I plan to get her something blessed, like a Saint Christopher medal or something to put in her car to keep her safe. It could not hurt right?

If you have read any of past posts you know we've had problems with neighbors. We live in an apartment. It was nice when we moved in a couple of years ago but it's starting to feel like the ghetto and a playground.

My love and I have discussed our options.
We could build on his land. Or
Buy a modular home and put on his land. OR
Keep or sell land and buy condo.OR
Buy house and keep or sell land.

We've pondered and started looking in the paper. Buying a condo was looking better as we have little lawn work to do and if we get a nice one we won't have to worry about the upkeep as you pay fees for that.

I went into action, surfing the web for condos/townhomes for sale within our price range and location we would like it. We went pass by a few that were interesting.

So I got into touch with the real estate agent and I told her we were looking. We were not in much of a hurry. We weren't sure what we wanted to do but were interested in LOOKING at a condo. After a few emails, she and I got in touch and she told me that before she showed us the condos she had, we needed to get prequalifiid. She said that if we prequalified, we would go from there. She added that she also had other listings that did not require prequalification.  But she wanted us to prequalify first.

Huh?

A lender called me and started asking me those sales pitch questions. How much are you willing to spend? How much can you afford monthly? She received no answers because I felt like we were not at that stage yet. She irritated me so much that I cut her short without 'pre qualifying."

I wrote to the agent stating that from the start I had stated that we were just getting our feet wet and weighing our options. We were not in a hurry as we plan our next home purchase to be our last purchase. I only wanted to LOOK at the condo to see if that option was suitable.

The agent told me that most homes required a prequalification before showing. The reason is why look at a home that we can't afford. My question to her was who was she or the lender or anyone else to tell my Hubby what he and I can afford. We know our finances more than they do.  Of course she could not give a justifiable answer. I wanted to SCREAM

WE JUST WANT TO LOOK AT FREAKING CONDO!!

As I talked to Hubby, we agreed we haven't bought a home in a while but what the hell is with the prequalification? Yes I read up on the "Steps to Buy a Home" etc and it states to be "prequalified' or "preapproved".

What the realtor did not understand and proved that she was not listening, was we did not know if we wanted that option yet. Maybe she figured it was a waste of her time.

I totally understand the reasoning for being pre qualified. I wonder if we came up with steps for the sellers, how they would feel. What if we had cash to buy it right off? But they didn't even consider that. They lost a sale.

Our search is on....