I bought my first house at the age of 28, here in beautiful Allentown, PA. (Of course, my husband was part of the process too, but he's been a homeowner before while I was truly a first-time homebuyer.)
When we knew that we were going to be moving from Philadelphia to the Lehigh Valley, we decided to explore the possibility of buying a house instead of continuing to rent. We'd been renting since we got married, and we thought we'd be living in the area long enough that a house would be a sound investment. We'd both dreamed of buying an older home and fixing it up, and the gorgeous housing stock in the Lehigh Valley was appealing to both of us.
Hubby found a realtor and started looking at the listings that were emailed to him on a regular basis. We made a couple of trips up to the area from Philly to drive around and check out neighborhoods. My husband researched schools, even though we don't have kids, because the quality of a community's schools is a good marker of desirable places to live. We got prequalified for a mortgage so we would know just how much house we could afford. Finally, it was time to dive in and look at some houses.
We visited several properties over the course of a couple of weeks, and our realtor was great about showing us a good mix of houses we had expressed an interest in as well as houses he'd found on his own that were similar to what we were looking for. And he wasn't fazed at all if, after walking through the front door of a house, we decided to turn around and walk right back out again.
We found an interesting old house in Salisbury Township. It was on a hill overlooking Bethlehem, and you could see the Bethlehem Steel blast furnaces from the front porch. The house had been inhabited by an eldery woman who was now in a nursing home, and her sons were selling the place in order to cover the cost of her nursing home care.
The house was old and it needed a lot of fixing up. I had visions of ripping out the dropped ceiling, pulling the fake paneling off the walls downstairs, and completely renovating the kitchen. My husband and I both dreamed of planting lots of flowers and shrubbery in the gigantic yard, and we were excited by the attic space, which had potential to become a big bedroom or office space. We put in an offer and it was accepted. The house was ours.
Ours, that is, until the home inspection. The home inspector, who specialized in older properties, discovered that at least one floor joist and both the front and rear sills had sustained massive termite damage. And that was just what he could see. Suddenly my husband and I were faced with the prospect of jacking the house up off of its foundation in order to replace the damaged areas... and we wouldn't know the full extent of the damage until we really got in there and started rooting around.
The sellers wouldn't budge on the price, nor would they help with the cost of repairing the damage, so we took advantage of the contingency clause in our offer, got out, and got our earnest money back. Any doubts we'd had about whether or not we'd made the right decision were swept away when we got the results of the radon test -- the radon levels in the basement of that house were something like 40 times the acceptable levels as established by the EPA. The damn house was radioactive!
I can look back on the process as a learning experience now, but at the time, I was a wreck. I get attached to things, and was already thinking of that house as home. I thought the homebuying process was really just a form of torture -- you make the offer, you wait to see if it's accepted, you bounce counteroffers back and forth, all the while praying that a) some other buyer doesn't snake you with a better offer and b) your home inspection doesn't turn up some kind of horrible damage after you've already got your heart set on a place. It's ridiculous.
We found our house in Allentown soon after. I was really excited by it - it seemed like a good first home for the two of us, and it was move-in ready but it still had plenty of potential for improvements, too. My husband was dubious, but I convinced him to make an offer, so we did. The process went much more smoothly the second time around, and we closed on May 24, 2004, just ten days after my 28th birthday.
Nothing made me feel like more of a grownup than seeing my name on the deed to my first home. Now and again, when I want to pull rank on my husband, I remind him that my name is listed first on the deed so that's got to count for something. He just laughs. People often say, "there's nothing like your first (fill in the blank)," and when it comes to houses I think that's true. When we sell that house, I know I will mourn a little, and even after we're long gone, I'm sure I'll continue to think of the place as "mine."