Pearly’s New Pad – Picking The Loan

So glad to see all of you back because I could really use a break right now.  Apparently I’m not good at human acronyms. (And, modesty aside, we know that I’m quite good at most things.)   We went through the decisions on types of mortgages this week; it’s a good thing that our loan officer Christy was there or Mallory might well have decided on entirely the wrong kind of mortgage altogether!  At least, she might have once we had figured out all of the types of loans there are.  I’ll be eternally grateful that Christy had reasons for helping Mallory put each type on the “possible” or “not for us” list. As far as initially understanding what we were looking at, I really spent the week feeling like a fish out of water.

Really humans, it’s so much simpler in my world; find a quiet backwater with enough aquatic plants and swim right in.  As long as there aren’t too many Kingfishers or Heron around you’re set.  But, back to your world and your acronyms.

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Pearly’s New Pad – Getting The Loan Done

 I have a better understanding of the human psyche than most of my species but even I don’t understand this human fascination with documentation. Mallory claims that’s because goldfish learn to recognize the other fish in their tank pretty quickly so we don’t constantly have to prove who we are; although I really do think the dear girl is just making excuses for humans.  Be that as it may, we’re just documenting away here, well actually I’m directing since paper and water don’t really mix well. And do we have documentation!

 Mallory asks Adam about the documents needed for a mortgage loan Continue reading “Pearly’s New Pad – Getting The Loan Done”

Pearly’s New Pad – Searching for a Lender

Choosing a lenderSo, let me catch you up on what has been going on around here in the great house adventure. I’ve been doing some detecting on getting mortgages and it looks like I’ve finally got an ally in the “let’s be logical and know what we’re doing” battle. Holy mackerel, for an intelligent human Mallory just wasn’t doing well plotting her course.  Get this, new house in the near future and she wanted to buy a new car.  One slip in internet surfing, just one, she ends up on a new car website and my girl gets reeled in hook, line and sinker.  (I did write an email to the auto company complimenting them on their marketing, but that’s really not the point.)

It was pretty clear that we had to deep dive into finding someone to help who had a good grasp of all of this before we got into hot water. (Which is really not good for me.) We hadn’t moved on from the friend-of-the-friend-of-the-friend-knows-something-about-mortgages stage that we were in a couple of weeks ago.

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Pearly’s New Pad – Let’s Do It Together

So, I’ve rested and boy did I need it. Last week it wasn’t easy getting Mallory to tame her emotions and think about this whole house thing logically.  Logic is what humans are supposed to be good at, right?

Should we buy a house together

I knew something else was fishy on Tuesday when she walked into the house; she was just so excited, and really, who gets excited about going through their financial records? She had been over at Adam’s so he could help her organize her business and personal financials; turns out that Adam mentioned he might want to buy the house with her.  Well, I don’t have to tell you, Mallory was thrilled. (Humans, what are you going to do?)  Really bad idea. I like Adam, but that’s swimming in troubled waters. I knew what I had to do was nudge her away from that idea without damaging her perception of their relationship.  Water under the bridge now but let me tell you, figuring out how to do that cost me some sleepless circles.

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Pearly’s New Pad – Diving Right In

Mallory starts searching for her new home online & figures out how to choose a lenderTalk about misconceptions – humans think a goldfish’s life is dull?  Not around here.   Mallory dove into the house buying business with her usual focus. (It’s closer to obsession but I love her so we’ll leave it at focus.) Unfortunately, my human just doesn’t know the right questions to ask about all of this so she’s kind of going around in circles – which is my thing not hers.  Not that I’m certain of the right questions either, my living quarters are portable, but I do know that we don’t know our options (especially when it comes down to how we choose a lender). 

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Pearly’s New Pad – The Adventure Begins

Pearly the Goldfish begins her adventure helping her human find a new homeLooks like we’re moving – again.  Just this morning my human said: “Hey Pearly, think it’s time we owned our own place, don’t you? “  Not that I mind, it’s getting pretty boring looking at these apartment walls and that roommate definitely needs an upgrade.  I’d been expecting this; she’s been surfing real estate sites on the Net so I’ve been boning up on the whole human house – buying routine anyway. (Although I love my human, let’s face it, she sometimes doesn’t do her research as well as she could.) That’s one of the advantages of being a Goldfish, you have a lot of time to think while you swim those circles.

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