I got a haircut this morning. It's the first time in over 30 years that anyone other than my hair stylist in Tigard has cut my hair. It's a little shorter than I would have liked, but no big deal. The difference between a bad haircut and a good one is two weeks. They made a big production out of it including a hot towel for my face and a neck/shoulder massage.
After I got my hair under control we went to a bank to apply for a loan. I even put on a polo shirt (instead of a t-shirt) for the occasion. I've probably worn a collared shirt less than 10 times this entire year.
The bank we chose was a small local bank. I figured we get much more personalized service and they would be familiar with the area. I was right. The loan officer was very helpful. She said there won't be any problem with the loan even though we're retired (unemployed). It helps that we have gold plated credit ratings and are only borrowing about 30% of the house price. The money is going to cost a little more than I thought. It seems that you need to borrow at least $100,000 to get the best rates. We may do that.
I was impressed with the number of papers we had to sign. There were at least a dozen. There were disclosures, permissions, and notifications. And this is just to apply. There will be more to get the loan and even more when we close the house.
The dog was beginning to smell doggy, so we ran her and then gave her a Christmas bath. She got a t-bone for a treat. She ate the whole thing.
We need to get together with the realtor to write the offer. I'll probably send her an e-mail after bingo tonight.
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