After selling our townhouse in August 2021, we started house shopping. Mortgage interest rates were below 3% so we wanted to by a house now before this went up. We still had debt to payoff and had money from the house sale, but we prioritize the funds for the new house. I used my w2 job to pay off large sums in the mean time. Are ideal home was a 4 bedroom with garage, decent street parking and no maintenance fee. We put in offers for 2 homes. 1 build in 1970 that needed a lot of work no association or maintenance and 1 build in 1990 with association, but no maintenance. Our offer was not accepted for the older home since we only asked for asking. For the 1990 home, we decided to offer $15,000 over asking. It was a scary process! I worried if I could pay this mortgage if it accepted. I had to make mock budgets to see if I could handle this. In the end I knew we could as long as I paid off the remaining debt we had. After waiting for a call if our o