stephanie march interviewing a witness on SVU//how i felt last night at my co-op interview
my thinking around the co-op board application process went a little something like this. i was all, PLEASE LIKE ME. PLEASE, PLEASE LIKE ME. TELL ME I AM A GROWNUP AND THAT I CAN DO THIS AND THAT YOU THINK I’M FINANCIALLY STABLE AND EMOTIONALLY CAPABLE OF BUYING A HOME.
and they were all, sell us your soul, give us your first born child, oh and while you’re at it, can you please do a full audit of all of your financials, and tell us how much is in your 401k (you haven’t been saving enough…), show us your tax returns (geez, you lose a lot to taxes each year!), and tell us where, exactly, the money for your down payment is coming from, because it’s CERTAINLY NOT COMING FROM YOU, YOU 30 YEAR OLD FAILURE OF A HUMAN.
okay, so that’s not exactly what they said. what they actually said was nothing – not to me, at least. they communicated through my broker, a post-modern game of telephone that was NOT AT ALL FUN. through him, they told me to fill out a boatload of paperwork, and also, to get four references: two personal, two professional. i think these were to rule out that i wasn’t a) party animal, b) a lowlife with no job, c) an axe murderer and d) a crazy cat lady who’d let her addiction to all things four legged and furry get out of control.
thankfully, i am none of the above. i gave up whatever sort of partying i used to do years ago, i am gainfully employed (#fridaynightjustgotpaid), i’m DEFINITELY not an axe murderer, and i currently only have ONE cat (key word here being currently).
despite the fact that i’m a relatively responsible, relatively normal 30-year old with a good job and a steady income, i was terrified, and i mean TERRIFIED that this part of the process would go horribly wrong. if i’m being honest, i’ve been terrified every step of the way. see, rejection is, in emo therapy terms, my button. it’s my biggest “thing”. hearing i’m not good enough – for anyone or anything – can easily send me on a downward spiral towards dejection and the sense that i am 100% meaningless on this earth and will never succeed at anything, ever.
sort of. the point is, at every point in this process, from the offer to the mortgage to the coop board, there has been a chance for someone older, wiser, and manlier than me (did i mention this process has been ALL MEN?!) to shut me down. to point a finger at me and laugh in my face and tell me they’re shocked that i ever thought that little old me, she of previous credit card debt and bad saving skills, would be able to buy an apartment in new york city.
incredibly, amazingly, no one has done that yet. at every milestone, i’ve held my breath until the moment my face turns blue, and then, magically, i’ve exhaled. because instead of hearing “no” at every turn, i have heard “yes.”
last night’s interview the co-op board was the last chance for someone (9 someones, actually) to reject me. to crush my dreams and my burgeoning social media stardom (HA) and tell me no. but this morning, instead, i got this text from my broker:
sure, it’s not 100% official. i’m waiting on an email. but impressing a group of people who had every reason to look at their sarah dossier and say, you know what, we can do better? that feels pretty damn good.
the next step, from here, following official official approval, is to close. i’ve been told that once i’m approved, i can close in 7-10 business days, which will put me in early/mid june. the board told me they’d love to me close as soon as possible ($$$), to which i said, GURL, ME TOO. DUH. the sooner i close, the sooner i can draw up my renovation plans, and get them approved by the board. from there, it’s on to get approval from the city. only at that point (more chances for rejection, BUT OF COURSE) can i start knocking shit down and making it new again.
to my two or three dedicated readers (hi, friends!), thanks for sticking around. i promise the good stuff is coming soon.