The other thing that’s been going on the last week is the Dealing with the Canadians. We’ve been trying to get the finances in place for the Big Move to Victoria, which is mainly about paying for the house we’ve nearly bought.
Which has been a major Pain in the Ass. Yes, this is the blog post of Many Capital Letters.
The pressure to sell our current house has been so great because the Canadians have been insisting on 35% down payment. Yes, a lot of money. This doesn’t even get us an amazing interest rate or monthly payment either, because they tack on extra points for Americans. Oh, and Americans can’t have amortizations of any longer than 25 years.
After a while, we began to feel like a particularly juicy American fish on an uncomfortable hook.
Our Victorian real estate agent has been great, but everyone else? Not so much. I started shopping around other mortgage brokers. Three never bothered to call me back. One said that, oh yes, we’d never do better than 35% down as Americans buying in Canada. Only one took the mission and he’s taken fully three weeks to not give us anything yet.
So there I was in Santa Fe, thinking how beautiful it is and how much we’ve always loved it. And talking on the phone with David about the Victoria PITA and how it just feels like the stars are not aligning for it. And I said, say, is there a good school here in Santa Fe? He looked it up. There is and it’s an Ivy League shool in the acupuncture community. Plus, it was only a few blocks
away from where I was working. My colleagues and I swung by there at lunchtime. The facilities are the best of any I’d seen on the tours with David. The campus president was there, alert, attentive, produced an orientation and application packet immediately and there are openings for the Fall session.
David called and talked to him and likes this school even better than the Victoria one.
Our daughter, Lauren, the mortgage broker, looked up rates in Santa Fe and found us a stellar 10% down deal with her company.
Plus, her guy, Damion, is a mortgage broker licensed in New Mexico, so he can do the deal for us. Not only can we get a much better financial deal, they can benefit from the commission. MUCH better than feeding the Canadians their extortionate interest rates.
So this is what it feels like when the stars do start to align in your favor.
Unless the Canadians come up with a really stellar deal for us in the next few days, we’re moving to Santa Fe instead.
Which will be SO MUCH EASIER.
David and I spent a great deal of time in a school of thought that had you pursue your goals regardless of the obstacles. The greater the resistance, the more you were to screw up your will to break through. We could make Victoria happen; there’s no doubt of that. But we’ve come to believe over time that going with the flow of things can be its own reward. And when something is easy and drops in your lap, that’s something to be celebrated.
We’re feeling really good about this. After all the pressure, that’s something else to celebrate.
On the drive home, I saw a fleet of dragonflies at a rest area. They must have been hunting a hatch of some small insect. Easily three dozen enormous dragonflies filled the air over my head. It was magical and surreal. It felt like a good omen.