Home for Christmas

ourhousePapers have been signed, payments made, deed transferred as of 11am today. So this is it. No turning back. We’re officially homeowners with mortgage payments to make for the next 30 years.

Our family has been blessed with one of the best Christmas gifts we could have — our first home. My husband and I have been married for more than 14 years, but our dream of owning a home was oh so hard to reach back when we lived in the Philippines where a 30% downpayment was required. So Robert Kiyosaki’s “Rich Dad, Poor Dad” was a way out for us, a justification of sorts. We couldn’t afford to buy a house, and even if we did, we couldn’t afford to quickly resell it, anyway.

We migrated to New Zealand three-and-a-half years ago, but it wasn’t until last April when we had to look for another house to rent (our landlord that time needed to move in by July) that we realised the current rental rates were practically the same as monthly mortgage payments for a modest house in Auckland.

So we requested for an open contract for renting the house we’re currently staying in and slowly began our search for a house we can finally call our home; with complete faith that God would lead us to a house he intends to be our home.

On the 3rd of November, we bumped into a couple whose youngest child used to go tot he same school our daughter does and they informed us that one of the house on their street will soon be sold. They encouraged us to drop by to check the house, which my husband did while I had my Circle (an Opus Dei group meeting for spiritual formation). When he and the kids picked me up afterward, he asked me if I would like to see the house, half containing his excitement in describing it to me. I readily agreed and was happy with what I saw.

It’s located within a short walking distance to the train station, bus terminal, library, and mall. About 10 minutes drive away from where we currently live. It’s on a quiet cul-de-sac, with 24 other houses that were constructed by the same developer. It has exactly what we need: a good-sized kitchen, open lounge and dining area, 3 bedrooms, 1 toilet-bath, and 1 toilet on the 2nd floor, a garage that can be used for storage or as a rumpus room. Best of all, the asking price was below our maximum budget. To top it off, the owners were around renovating the house, who gave us a personal tour.

We signed the conditional sales agreement a few days later and asked our bank for the loan approval, which was consequently granted.

Although I’m not looking forward to the next couple of days of (more) packing, cleaning, and moving, I am quite thankful for this blessing that God has given us. There’s nothing like spending Christmas in our own home. For as one of my favourite authors, Jane Austen, once said,  “Ah! There is nothing like staying at home, for real comfort.”

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4 Comments

  1. My friend Chet just Tweeted me to say it must be providence as today is the feast day of St. Nicholas. I’d like to think so. =)

  2. Reblogged this on Cristie North. Your Mortgage Professional and commented:
    Anyone have plans to be in a new home for Christmas?

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