Caitlin Found a House in The Hills for $299K and This is What Happened

A couple of weeks ago, I called my loan officer Andy and made him answer about 40 straight minutes of questions so I could pull together this post on how to buy a house. Most of my questions were about securing a mortgage, but then I asked one that really opened a can of worms: “Is it possible to get a loan to buy land and then build on it?” Andy said that yes, those loans do exist. He then said that because of COVID, lenders have gotten anxious and that those loans are few and far between (if they’re issued at all).

Now, when I was growing up, my grandma always used to accuse my grandpa of having “selective hearing.” And I think that trait may be genetic, because what transpired over the subsequent two weeks was a result of me only hearing the “yes” and ignoring the serious, adult part. I set myself up for a REALLY stressful situation, but I learned A LOT and it may (or may not???) have been worth it.

P.S. Yes, there is a video walkthrough of this home buried in this post if you can find it