Mortgage: check

We’re on a tight 30-day close schedule, assuming everything goes the way it’s supposed to. So I spent my lunch hour yesterday on the phone with the mortgage guy, applying for the house loan.

Nearly 50 minutes later, we were approved — and got a kick-ass 5% interest rate, no points.

That’s pretty darned good for here in the Northeast. Having excellent credit saved us from paying more. That’s why it totally pays off to use your credit carefully and responsibly.

Saturday is the home inspection, then 10% of the 20% down payment is due at the end of next week. We’ll be living like college kids by July!

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