“Bob!” Jonathan called out, his voice tight with frustration. “Your cat is at it again!”
Bob, a quirky man with a wide grin and a perpetually messy appearance, popped his head over the fence.
“Ah, sorry, Jonathan! Mr. Whiskers is just a free spirit, you know? He means no harm.”
Jonathan grumbled, shaking his head. “Keep him out of my garden, Bob. I can’t have him ruining my flowers.”
Jonathan ate his lunch at a local café every day, occupying the same table by the window. The thought of someone else sitting there made his palms sweat.
Phoebe, the kind-hearted waitress at the café, knew about this peculiarity and always tried to reserve the table for Jonathan.
She was a bright spot in his otherwise anxious world, with her warm smile and gentle demeanor.
“Good afternoon, Mr. Green,” Phoebe greeted him as he walked in, her eyes crinkling at the corners. “Your usual table is ready for you.”
At the sight of Phoebe, Jonathan got nervous, and his hands started to shake. He quickly sat down and began arranging the sugar packets on the table, lining them up in perfect rows to calm himself.
Phoebe watched him with a soft smile, understanding his need for order.
“Thank you, Phoebe,” Jonathan said quietly, his voice barely above a whisper.
Phoebe nodded and placed his usual lunch in front of him: a plate of vegetables arranged by color, with the potatoes perfectly aligned.
She arranged the vegetables this way just for him, knowing it helped to calm his nerves.
As he ate, Jonathan couldn’t help but glance at Phoebe from time to time. She moved gracefully between the tables. Each time she looked his way and smiled, he felt a flutter of warmth in his chest, a feeling he couldn’t quite name.
Despite the rigid structure of his days, there was a small part of Jonathan that longed for something more, something beyond his routines.
And though he would never admit it, Phoebe’s smile was a tiny spark of light in his meticulously ordered world.
On one of his regular visits to the café, Jonathan brought a single daisy, its white petals slightly wilted but still charming. He hid it in his pocket throughout lunch, occasionally patting it to make sure it was still there.
As he finished his meal and carefully arranged his utensils, he discreetly left the crumpled flower on the table for Phoebe.
As Jonathan made his way to the exit, Phoebe hurried after him. “Mr. Green, wait up!” she called, her voice bright and cheerful.
Jonathan paused, his heart racing. “Yes, Phoebe?”
Phoebe caught up to him, holding the daisy gently. “This is lovely, thank you,” she said warmly.
“You know, the café owner is planning a musical evening soon. We’re looking for someone who can play the piano well. I remember you mentioning you used to play quite well. Would you consider performing?”
Jonathan felt his chest tighten. He looked at his watch, his fingers tapping nervously on its face.
“I… I need to be home. It’s almost time for my afternoon routine,” he stammered.
Phoebe’s smile softened. “I understand, Mr. Green. Just think about it, okay? It would be wonderful to have you play.”
Jonathan nodded quickly, eager to escape the unexpected conversation. “I’ll think about it,” he mumbled before hurrying out the door.
At home, Jonathan tried to follow his usual routine but found himself distracted by Phoebe’s words. Finally, he deviated from his schedule and sat down at the old upright piano in his living room.
His fingers trembled as they hovered over the keys. He began to play, but not all the notes came out right. His anxiety grew with each mistake.
Hearing the hesitant notes, Bob peeked through the window, his curiosity piqued. He knocked gently on the glass.
“Hey, Jonathan, need some help?” he called out.
Jonathan frowned but opened the window a crack. “I’m fine, Bob. Just… just trying something.”
Bob grinned, undeterred. “That’s awesome! Need an audience to practice on?”
Jonathan sighed. “It’s a foolish idea. I haven’t played in years.”
Bob stepped back and smiled. “Nonsense. Let’s work on it together. I can listen, and we can get you ready.”
Jonathan often struggled to play because of his obsessive thoughts, but Bob found a way to calm him.
He created little funny rhyming phrases.
“Tickle the ivories, just like pies,” and “Play the keys, no fleas, just ease.”
They first repeated them aloud, then to themselves. This helped Jonathan gather himself and play more steadily.
For the first time in a long while, Jonathan felt a flicker of happiness, a sense of accomplishment warming his heart. He smiled, thinking that perhaps this could be his moment to shine.
However, deep down, he couldn’t shake off the nagging worry that his joy might be premature.
The next day, Jonathan walked into the café with a slight spring in his step. However, instead of Phoebe, he saw Mark behind the counter.
Mark was a young waiter, known for his sharp tongue and competitive nature. He always seemed to be trying too hard to impress, especially when Phoebe was around.
Jonathan’s heart sank a little, but he approached Mark.
“Hello, Mark,” Jonathan said, trying to keep his voice steady. “Could you tell Phoebe that I agreed to perform at the musical evening?”
Mark raised an eyebrow, a smirk playing on his lips. “Sure, I’ll let her know,” he said, his tone dripping with sarcasm. “Good luck with that, old man.”
Ignoring the snide remark, Jonathan turned and left the café. He met up with Bob, who was waiting for him outside.
“How’d it go?” Bob asked, noticing Jonathan’s slightly flustered appearance.
“Phoebe wasn’t there, but I left the message with Mark,” Jonathan replied, trying to shake off the unease. “Let’s go get that suit.”
Bob nodded enthusiastically. “Absolutely! Let’s get you looking sharp.”
They went to the local department store, where Bob helped Jonathan pick out a suit. Bob was like a whirlwind of energy, holding up jackets and ties, and offering opinions on colors and styles.
“Try this one,” Bob said, handing Jonathan a navy blue suit. “It’ll bring out your eyes.”
Jonathan hesitated but took the suit into the dressing room. When he emerged, he felt a bit self-conscious but also a little proud.
“Well, what do you think?” he asked, turning around slowly.
Bob gave a thumbs up. “You look fantastic! Phoebe will be impressed for sure.”
After purchasing the suit, Jonathan had one more request.
“Bob, can we stop by the jewelry shop? There’s something I need to get.”
Bob’s eyes widened in surprise but nodded. “Of course, let’s go.”
At the jewelry shop, Jonathan carefully examined the pieces on display. His hands were a bit shaky as he finally selected a delicate silver bracelet with a small charm.
“This one,” Jonathan said, his voice soft. “For a special woman.”
Bob smiled broadly. “That’s a beautiful choice, Jonathan. She’ll love it.”
Bob patted him on the back as they walked out of the shop.
“Everything’s going to be great, Jonathan,” Bob said confidently. “I’ll be there to support you at the performance. You’ve got this.”
Jonathan nodded, a small smile tugging at his lips.
“Thanks, Bob. I appreciate your help.”
As they headed home, Jonathan felt a flicker of hope. Yet, the biggest test for poor Jonathan was to come, and he had no inkling of what lay in wait.
On the day of the performance, Jonathan arrived at the café, feeling a bit nervous. As he entered, he looked around for Phoebe but saw Mark behind the counter instead.
“Good afternoon, Mark. Is Phoebe here?” Jonathan asked, his voice slightly trembling.
Mark smirked. “Oh, she’s in the back. Why do you need her?”
Jonathan took a deep breath.
“I’m here for the performance. I told you to let her know.”
Mark’s smirk widened. “Oh, right. I must have forgotten. Besides, we decided against live music tonight. It’s not really your scene, old man.”
Jonathan’s heart sank. Just then, Phoebe came out from the back and saw Jonathan. She greeted him with a warm smile.
“Mr. Green! What a pleasant surprise. I didn’t know you came tonight! You look sharp today,” she said, noticing his new suit.
“You didn’t respond to my message, but I went ahead and tuned the piano just in case.”
Jonathan managed a small smile, feeling a bit more at ease. “Thank you, Phoebe. I’m ready to play.”
Jonathan looked at Mark, who shrugged nonchalantly. Phoebe frowned but turned to Jonathan with a reassuring smile.
“It’s not a big deal. The piano is tuned, and you can play. Let me just inform the café owner.”
As Phoebe walked away, Mark seized the moment to mock Jonathan.
“Look at you with your useless rituals. Your obsessive thoughts have no place here. You’re just going to embarrass Phoebe and yourself.”
Jonathan’s hands began to shake uncontrollably. In his panic, he knocked over a stack of dishes on a nearby table. The crash echoed through the café, and juice spilled onto the patrons at the neighboring table.
Faces turned towards him, some with shock, others with annoyance.
Feeling utterly humiliated, Jonathan ran out of the café, his vision blurred with tears.
Bob was just entering the café, having arrived a bit late. As he stepped through the door, he and Jonathan collided, nearly knocking each other over.
“Whoa, Jonathan! What happened?” Bob asked, seeing the distress on Jonathan’s face.
Jonathan, struggling to catch his breath, tried to explain.
“Mark… he didn’t tell Phoebe. They weren’t expecting me to play, and he… he mocked me. I knocked everything over.”
“Jonathan, calm down,” Bob said, placing a firm hand on his shoulder. “Remember our rhymes from the rehearsals. Repeat them with me.”
Together, they closed their eyes and chanted the calming phrases:
“Tickle the ivories, just like pies,” and “Play the keys, no fleas, just ease.”
Gradually, Jonathan’s breathing steadied, and the panic ebbed away.
Despite the anger and confusion inside the café, he felt a new resolve forming within him.
Bob gave him an OK sign. “You’ve got this, Jonathan. Don’t let Mark or anyone else stop you.”
Jonathan, still murmuring the calming rhymes, walked back into the café, ignoring the stares and whispers.
He made his way to the piano, his focus entirely on the keys in front of him. The café owner moved to intervene, but Phoebe quickly stepped in.
“Please, let him play. I’ll take responsibility for whatever happens next,” she pleading the owner.
Summoning all his strength, Jonathan began to play. The first notes were shaky, but as he continued, his confidence grew.
The music flowed beautifully, filling the café with a serene melody. The chatter died down, and everyone listened, captivated by his performance.
As the last note faded, Jonathan faced the audience.
“I have OCD,” he began, his voice steady. “But today, I overcame my fears and my need for daily rituals to take a step forward. I want to thank Bob for helping me find a new way to calm myself, and I even thank Mark for the obstacles he put in my path because they made me stronger.”
He turned to the café owner and the patrons. “I apologize for the chaos earlier and promise to cover the costs.”
The café erupted in applause, and Jonathan felt a wave of relief wash over him. Mark slipped out quietly, his head down, while Jonathan approached Phoebe, who was beaming with pride.
He took out the small box and handed it to her.
“Phoebe, this is for you. And… would you go out with me on a real date?”
Phoebe’s eyes sparkled as she opened the box to reveal the bracelet.
“Yes, Jonathan. I’d love to.”
From a distance, Bob watched with a satisfied smile. Jonathan had not only faced his fears but had also found the courage to pursue his happiness.
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How to Own Your Dream Home
For most people, their first home isn’t their dream home. It starts off nice enough. But as time goes by and your family grows, starter homes tend to get a little . . . cramped.
But don’t hate on your current home too much. Because while it gave you a safe and dry place to lay your head at night, it was also setting you up to own your dream home someday.
We’ll show you how it all works and walk you through the steps that’ll get you in your dream home—one you can actually afford!
How to Get Your Dream Home in 5 Steps
Here are the steps:
- Follow the Financial Basics
- Find Out How Much Equity You Have
- Set Your New Home-Buying Budget
- Find the Right Dream Home for You
- Be Picky and Patient
Now let’s cover each step in more detail.
Step 1: Follow the Financial Basics
First thing’s first—you have to get out of debt, get on a budget, and build up an emergency fund of 3–6 months of expenses. Sounds pretty basic, right? If you haven’t completed these steps, then you’re not ready to upgrade to your dream home . . . yet.
Now, when you’ve got house fever, it can be hard to focus on paying off debt or saving an emergency fund before you upgrade your home—especially when you’re feeling the pressure of rising home prices and interest rates.
But whether it’s your second or third house, you should only buy a home when you’ve covered the financial basics we mentioned above. Then you’ll be ready to start the journey toward owning your dream house.
And that journey starts with your home equity. What’s equity? Well, we’re glad you asked . . . that brings us to the next step.
Step 2: Find Out How Much Equity You Have
Home equity is a pretty simple concept: It’s your current home’s value minus whatever you still owe on your mortgage.
See, in most cases, your home’s value increases over time. Similar to other long-term investments (like retirement accounts), homes gradually increase in value. There have been periods of ups and downs in the market to be sure, but the value of real estate has consistently gone up. According to the St. Louis Federal Reserve, the average sale price of a home has increased over 2,300% from 1965 to 2023! And in the last ten years (2013 to 2023), there’s been a 68% increase.1 As your home increases in value, so does your equity. In real estate terms, this is called appreciation.
Other factors that increase your home’s equity include:
- Added value: Home improvement projects like adding square footage, updating fixtures and appliances, or even just slapping on a new coat of paint can add value to your home.
- Mortgage paydown: Paying down your mortgage not only gets you out of debt faster, it also builds your equity. The less you owe on your home, the more equity you have.
The amount of equity you have gives you a pretty good idea of how much money you’ll end up with after selling your house. You can use that money to make a hefty down payment and cover the other costs that come with buying a home.
Find expert agents to help you buy your home.
So, how do you determine your home’s value? Well, you can get a ballpark estimate on real estate websites like Zillow, ask a trusted real estate agent to perform a competitive market analysis (which they’ll do anyway if they’re helping you sell your house), or get a professional appraisal.
Finding out your home’s equity will involve a little math, but it’s third-grade-level stuff, so don’t sweat it.
Here’s what we mean. Let’s say your home’s current value is $355,000. When you sell that house, you’ll have to pay for between 1–3% of the sale price in closing costs, another 6% in fees for the real estate agent who helped you sell it, and whatever’s left to pay off on your mortgage.
That means you can estimate clearing over $223,000 from selling your house. That’s a killer down payment on your dream home! And if your home is paid off, that’s even more money to put down and use to pay for things like repairs and moving expenses.
Step 3: Set Your Dream Home Budget
Once you know how much you’ll clear from the sale of your home, you can start making a budget for your dream home.
The key to owning your dream home (instead of it owning you) is to keep your mortgage payment to no more than 25% of your take-home pay on a 15-year fixed-rate mortgage, along with paying a down payment of at least 20% to avoid private mortgage insurance (PMI). Never get a 30-year mortgage even if the bank offers it (and they will). You’d pay a fortune in interest—money that should go toward building your wealth, not the bank’s.
So, let’s say your take-home pay is $4,800 a month. That means your monthly mortgage payment shouldn’t be any bigger than $1,200. By the way, that 25% figure should also include other home fees collected every month with the mortgage payment like homeowners association (HOA) fees, insurance premiums and property taxes.
Plug your numbers into our mortgage calculator to see how much house you can afford.
And don’t forget to budget for all those other costs that come with the home-buying process in addition to your closing fees—things like moving expenses and any upgrades or repairs you might need to make. You don’t want these hidden costs to catch you off guard or drain your emergency fund.
Step 4: Find the Right Dream Home for You
This is where things get real. After all your hard work building up your equity (and doing a lot of math—don’t forget that), you’re finally ready to start the house hunt. Woo-hoo!
But don’t lose focus. Stay zoned in by making a list of features that make a home fit your budget, lifestyle and dreams—and stick to it throughout your house hunt. Here are a few ideas to get you started.
- Don’t compromise on location and layout. If you plan to be in this home for the long haul, an out-of-the-way neighborhood or a wacky floor plan is a deal breaker. Look for a community and layout that’ll suit your lifestyle now and for years to come.
- Think about how much space your family needs. While your budget has the final say about how much home you buy, you’ll want your dream home to fit your family’s needs through different life seasons.
- Consider the school districts. If you have or want kids, the quality of the nearby school districts is probably already on your mind. But even if you don’t have kids or you’re retired, keep in mind that having good schools nearby could increase your home’s value.
- Look for a house that’ll grow in value. Are home values rising in the area? Is the number of businesses going up? These factors can help you figure out whether your dream home will turn into a good investment.
- Count the costs. Want that fancy master bathroom with the multiple showerheads and the Jacuzzi tub? Be clear on what’s a must-have and what’s nice to have. And don’t forget, upgraded features like that will make your dream home more expensive.
Step 5: Be Picky and Patient
We know you’re anxious to get into those new digs, but be patient. Wait for the right house at the right time. Don’t spend your money on a less-than-ideal home just because you’re tired of looking.
The key is finding a good real estate agent who understands your budget and refuses to settle for “good enough.” They’re as committed to your dream as you are and will have your back throughout the entire process, no matter what it takes.
In addition to teaming up with a great real estate agent, you can take a couple of extra steps to make sure you’re ready to strike as soon as the right home comes up:
- Get preapproved for a 15-year fixed-rate mortgage. Having preapproved financing is a green flag for sellers—especially in multiple offer situations. And because this puts most of your information in the lender’s system, you’ll be on the fast track to closing once your offer is accepted.
- Offer earnest money with your bid. Earnest money is a deposit to show you’re truly interested in a home. Usually it’s 1–2% of the home’s purchase price and it’s applied to your down payment or closing costs. Even if the deal falls through, you can almost always get most of it back.
Find a Real Estate Expert in Your Local Market
Now, you might be thinking you have some work to do before you’re ready to find your dream home. Or you may be realizing your years of hard work are about to pay off! Regardless, if you follow these steps, you’ll find the house you’ve always wanted and avoid a purchase you’ll regret.
Once you’re ready, connect with one of our RamseyTrusted real estate agents. These are high-performing agents who do business the Ramsey way and share your values so you can rest easy knowing the search for your dream home is in the right hands.
Find the only real estate agents in your area we trust, and start the hunt for your dream home!
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