Buying a Home as a Single Woman

November 8, 2009 by Mary Pulk  
Published in Issues

Buying a home is never an easy process, but doing it a single woman with kids is even more challenging.

I put an offer in on a house yesterday and I am nervous. I probably shouldn’t be there is plenty of other grown up people doing the same thing, right? So why am I such an emotional mess about this whole process? 

Well mostly because I am going it alone. I don’t have a husband or a boyfriend who has mechanical ability to look at a house and tell me the furnace is too old or the foundation is a mess, or there is mold lurking behind the beautifully painted walls. No sir, it’s just me and I am pretty sure I am a home sellers dream. 

I have a hard time looking past all the lipstick they could have put on the pig they call their house. All I can say is “thank goodness for HGTV.”  Seriously, I know it sounds ridiculous, but watching all those home buying programs while home with the H1N1 really made me aware of what I need to look for while buying a home.  I do allow myself to be aware of how nicely a home is decorated. But I also take into consideration the things I can do to make it look pretty myself.  I am a woman for gosh sakes.  

It was a bumpy road, but I can’t complain. I was actually surprised how smoothly obtaining my financing went. But I had a good relationship with my banker, and I think that is a key portion of buying a home, being comfortable with the bank and knowing that they are looking out for you personally and not just trying to make an extra dime.  But be prepared, when it comes to financing, they do go over your financials with a fine tooth comb. Even more so with the financial markets the way they are and banks loosing so much money these past few years.  

As a single woman, I was afraid of looking for a home on my own. I went to my social networking sites, and asked my friends for advice. It really helped getting the opinions of others who already have been through the process, and I was surprised by their willingness to help.  

My process has been a learning experience and a little emotionally frustrating at times. I thought obtaining my financing was going to be the hard part, but then I learned that trying to look at homes and submit offers at the time that the home buyers credit was originally going to expire was next to impossible. Houses were coming off the market before I could even look at them, and when I was ready to offer, other offers were already sent, minutes before I could even put ink to paper.  Thank goodness they extended the credit, and hopefully the fervor will now subside a bit. 

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One Response to “Buying a Home as a Single Woman”
  1. Kay Says:

    It’s an un-nerving process buying a home on your own. You are so afraid you are going to miss a major problem. But if you keep your head on straight you will do just fine.

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