Dialectical tensions in the tense environment

24 Jan

So, I know that title alone probably turned most people off to reading anything more I had to say… but bear with me.

yea, I know, punny.

I have spent the past week looking in to the potential of hubby and I buying our first home.  Various and sundry things have conbined, and we are now in the hunt for a (du-du-dun-daaaaaa…) mortgage!

Long-story-short of this post, it really interests me that mortgage lending websites are set up to both encourage and discourage first-time home buyers.

Let me explain:

When visiting any of a dozen different mortgage lender websites, you will instantly be greeted with the smiling faces of families from every different race, creed, and color. Promises of the fidelity and trustworthiness of the organization, and promises of how helpful they will be in getting you “Yes, YOU!!!” into the home of your dreams.

These promises, however, are soon muted by the harsh reality of the sites themselves.  The first and most prominent button a potential-home-buyer will be drawn to click on is a “mortgage calculator.” Simply enter your current monthly income, savings, location, and various other info-bits, and you will be told how much money you can afford.  If, however,  you are making any less than 65K for a family of 2 and have less than 15K in savings, you will be informed that these are NOT the droids your looking for.

now, the truth of the matter is, if you have a good job and decent credit, you Can, in fact, be financed for a mortgage. With some loans you need as little as 3.5 percent down plus closing costs, there are programs to help you navgate the choppy wanters (yes I know I’m now sounding like a commercial).

This difference in first perception and second perception (especially when compared with the reality of the situation) put me in mind of dialectical tensions.  There is something in theses sites that wants to both pull people in — AND push them away.

Any thoughts?


One Response to “Dialectical tensions in the tense environment”

  1. themumlife January 26, 2012 at 2:25 am #

    Sorry to disappoint you. But, I promise I am not the only person reading your blog, But I do have a little bit of advice. When we bought our house we went straight to a bank. We like having our mortgage through BOA. You will at least get the flesh space experience if you go and talk to someone instead of getting the mixed signals from silly websites. There are more financing/loan options.

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