Credit checks aren’t quite the hassle they used to be with the ability to download documents and provide access to banking records. Also, I now have daily access to my credit score. Today we have a conference call with our builder to hopefully secure the funds we need to secure a mortgage on our Florida home. It better not be a problem, considering the down payments we’ve already made. However, there is still some trepidation in the process, as essentially strangers judge our ability to make payments. 

This will be the ninth time I’ve gone through this exercise in my lifetime. It should also be the final time, and the first time I plan to live in a home longer than ten years. It’s semi-custom, meaning we’ve selected everything from the elevation level to the fixtures from a number of different plans available. My wife has spent many hours looking at options and making decisions. It should be everything we would ever want in a home, once we add some special touches. As a pessimist, I’m just looking forward to getting through this credit check scrutiny, despite the fact that there shouldn’t be a problem. 

We’re just three months away from expected closing, so the reality of the move is setting in. The hassles of hiring movers, changing addresses, and setting up our new home is growing near. It will be a relief to get out of this apartment and into move space. We’re also looking forward to the warmer weather. We will certainly miss the friends and family in this area, but will be nearer my grandchildren in a neighborhood prime for meeting new people. It will be a fresh retirement start, leaving the big city behind for the beach. 

We’ve gotten most of our paperwork together for today’s meeting, but there will undoubtedly be more to gather. We’ll have to go back through our credit history to be able to move forward. There have been a few bumps along the way, but nothing that should harm our ability to buy this home. However, it’s a formality that I’m not looking forward to, like going to the doctor when you’re feeling perfectly fine and hoping that they don’t find a problem. I hate credit checks as much as a prostrate exam!