OK, so maybe you know our story. Creepy bad neighbor is making us want to move.
Now, I am trying to think about it from the non-emotional side and make sure we are not doing something we will regret in the long run.
We bought this house in April for $128,000. ROlled in closing costs, and I think we paid $136,000. We put $4000 down, but somehow that didnt seem to show up in the final figure.
Our payments are $1036 a month. The pmi is $150. This payment is really high for us. In our rental, we were paying $800 a month, and some months it was a stretch. Add to that, dh's commute is now 25 miles one way, and his work was really slow this summer. My realtor thinks we can sell the house for about $140,000 and not lose anything. She is willing to work with is on realtor fees. We are planning to put it on the market in MArch or APril, because right now, the market is slow. But, she thinks even if we wanted to, we could try to sell for $140,000. So, that would be $12000 gain in about 6 months. The people we bought it from had it for 18 months, and they had purchased it at $88,000. So, one part of me says it is stupid to sell. Our equite will continue to increase. Right now, we are both in school, and in two years we will need to move to continue education. We moved down here from Olympia. We LOVE Olympia. That is totally home. If we sell now, that is where we will move to. We cannot afford to buy there, though. The cheapest thing right now is a 2 br condo for $120,000. Add in assoc dues, and we are right where we are. If we rent up there, we can get an apt or a house for $650-$800, often with some utilities included. SO, that would save us several hundred a month. Plus, we wouldnt have the looming fear of something breaking, or whatever. Right now, we are actually behind on our mortgage, but the bank is working with us to get it caught up. We are on pins and needles till we get to that point. But, is it better to be really stressed out for a while now, but then have a big gain in the end when we can sell it for way more? But, the market could go down too. The monthly savings we get from an apartment are guaranteed.
So, that is the money side. Now, the rest of it. We hate it down here. Hate it. I knew I didnt like it, but I tried to paint a rosy picture of it because I wanted to buy a house. But, I am miserable. No friends, not a lot of activities. ANy of you who have been in one of those crunchy Heavens know how wonderful they are. Well, it is so close, and yet we dont get a chance to get to it, because of time and gas money.
Then there is the neighbor. He is ignoring us now, but he still hasnt done anything about the dog. But, now I am afraid to call on it, because the ugliness will start up again, so it is now actually worse than before I called the police.
If you have followed this wind little path, bless you. It is more a stream of consiciousness narrative than a thread. But, if you have followed it, please advise me. I will add more info as I get comments and have a clearer picture in my head.