branchandroot | It is begun

I have started my house hunt! Target move is March, closing at the end of January or mid February.

I have a thoroughly vouched for and, so far, very efficient realtor.

Zillow assures me that there are a solid handful of places in my price range (if only barely in some cases) that I would be happy to live in.

I have a downpayment that will ensure only a short period of that deeply annoying "you aren't rich" tax known as mortgage insurance.

I have an appointment with my bank next week. I have the money. I could (barely) do a 15 year at current rates, though I doubt I'll get approved for that. But once rates come down I can immediately refinance to a 15 year and be quite comfortable.

I am good, I am ready, I am prepared!

I am SO NERVOUS. Nerves actually woke me up hours early this morning, which I hope is a temporary thing, because not fun. It is very much breathing into a paper bag time.