My mother is convinced that a private mortgage would make her dream of owning her own little house come true. I was surprised to hear her say that she wished to purchase a house. For more than thirty years, she had been a tenant. It was for the first time that I actually heard her saying out loud that she wished to become an owner.
I did not try to discourage her or tell her that it would be challenging for her to get a mortgage, even private, at her age. I was more intrigued to find out what had caused this change. How come all of the sudden she was so eager to own a house.
My wife had a better strategy than me. She started by congratulating her idea. Then slowly she moved the conversation into the direction of responsibilities and bills that came with the house. She walked her through the entire process of being a first time house owner, showing her the ups and downs, highlighting the benefits but also putting emphasis on the fact that her bills will be higher.
Listening to their conversation, it felt as if they had switched roles, my wife became a teacher and mom turned into a student. Oh, I forgot to mention that my mother’s real job was being a teacher. She had been teaching English for close to forty years.
A few days later mom called and asked my wife to join her to her bank appointment. She hadn’t given up on her idea. On the contrary! She wished her to be there, make sure she understood everything before signing any documents.
To anyone’s surprise, despite the fact that she was one year away from getting retired, my mother was approved for a mortgage. It took her about three weeks to find a property on her taste. The one she found had two bedrooms and a small yard. It was not a big property. For a single person, I think it was the perfect fit.
After she had the inspection done for the house and everything seemed to be in order, she signed the papers and made her dream come true. We did not even know that she was going to buy it so fast. From the last conversation she had with my wife, we gathered that she was still thinking of buying.
Yesterday evening she called my cell to let us know that she would need our help to rent a moving truck. I was not shocked, but I did not see it coming. For a woman her age, she moves fast!