| [00:01.26] | A Place of Our Own |
| [00:05.97] | ACT III |
| [00:08.01] | How do you do? |
| [00:09.70] | Hello. |
| [00:11.43] | I'm Ralph Riley. |
| [00:12.50] | I'm Richard Stewart, and this is my wife, Marilyn. |
| [00:15.11] | Pleased to meet you. |
| [00:15.75] | Likewise, Mr. Riley. |
| [00:16.55] | Please, sit down. What can I do for you? |
| [00:21.29] | We'd like to discuss a mortgage. |
| [00:24.07] | For a house. |
| [00:25.00] | Fine. Are you buying a house |
| [00:27.37] | or are you refinancing your present home? |
| [00:29.27] | We're planning to buy a house. |
| [00:31.15] | And we'd like to find out about a mortgage. |
| [00:33.47] | We are customers of the bank. |
| [00:35.41] | As a matter of fact, my whole family banks here. |
| [00:38.38] | I have some questions to ask. |
| [00:41.74] | Do you own your house or do you rent? |
| [00:44.24] | Neither. |
| [00:45.19] | We live with my parents, Dr. and Mrs. Philip Stewart. |
| [00:50.25] | And how old are you? |
| [00:52.25] | I'm twenty-nine. |
| [00:53.23] | I'm thirty. |
| [00:55.70] | And, Mr. Stewart, what is your occupation? |
| [00:58.51] | I'm a freelance photographer. |
| [01:00.37] | And, Mrs. Stewart, are you working? |
| [01:01.90] | Yes. I'm a designer, and I work in a boutique. |
| [01:05.37] | Did you bring any savings or salary information? |
| [01:07.95] | Last year's tax forms? |
| [01:09.20] | Yes. Here they are. |
| [01:17.28] | OK. What ... what kind of house did you have in mind? |
| [01:19.97] | We're talking about buying |
| [01:21.09] | a two-bedroom house in Mount Kisco. |
| [01:23.37] | Here are the financial details on the house. |
| [01:29.48] | Thank you. |
| [01:30.41] | Are you prepared to make a ten-percent down payment? |
| [01:31.92] | Yes, we are. |
| [01:33.69] | Payments over thirty years? |
| [01:35.51] | Yes. |
| [01:39.37] | Do you think we can get a loan? |
| [01:41.80] | Well, it depends. Do you own any other property? |
| [01:46.34] | Any stocks or bonds? |
| [01:49.45] | No. |
| [01:51.55] | I see. Then you don't have any collateral. |
| [01:56.21] | Perhaps you could get a guarantor-- |
| [01:58.53] | someone to sign for the loan for you. |
| [02:01.17] | Why is that necessary? |
| [02:03.23] | Since you don't have enough income, |
| [02:04.58] | and you don't already own any property, |
| [02:06.69] | the bank needs to be sure |
| [02:08.02] | you can pay the mortgage every month. |
| [02:09.92] | A guarantor is responsible for the loan |
| [02:11.91] | if you can't make the payments. |
| [02:14.21] | I see. Well, the idea of buying a house is exciting. |
| [02:21.08] | Thank you, Mr. Riley. We'll read this over carefully. |
| [02:24.87] | Thank you. |
| [02:25.93] | Good-bye. Thanks. |
| [02:27.00] | Good-bye. And hope to see you soon. |
| [02:30.61] | I hope so, too. |
| [02:31.28] | Take care. |
| [02:32.54] | Good-bye. |
| [02:52.54] | It all sounded so easy |
| [02:53.44] | until they mentioned needing collateral or a guarantor. |
| [02:57.67] | We have no collateral. |
| [03:00.69] | And I don't think it's a good idea |
| [03:02.05] | to ask Dad to sign as a guarantor. |
| [03:05.25] | I don't feel right about it. |
| [03:06.82] | I understand your feelings about it, Richard. |
| [03:22.16] | We can get a loan from the bank |
| [03:30.06][03:25.43] | if we can put up some collateral. |
| [03:31.41] | And we don't own anything to use as collateral. |
| [03:33.65] | Or someone can sign with us as a guarantor. |
| [03:39.27] | Why don't you speak to Dad? |
| [03:41.18] | No. If we buy a house, I want to be able to handle it alone. |
| [03:46.33] | Everybody needs help sometimes, Richard. |
| [03:49.52] | I understand Richard's feelings about it, Ellen. |
| [03:51.69] | In two or three months, I'll have an advance on my book |
| [03:54.53] | and be able to put more money down. |
| [03:57.57] | What about the house in Mount Kisco? |
| [04:00.86] | Somebody else'll buy it by then. |
| [04:02.92] | Then there'll be other houses, Marilyn. |
| [04:05.79] | Richard has a point. You're just beginning to look. Richard |
| [04:10.39] | We're in no great rush. It's true. |
| [04:11.45] | This has been a great learning experience for us, Marilyn. |
| [04:13.63] | Talking to the real-estate agent. |
| [04:15.72] | Looking at the houses. |
| [04:18.07] | Talking to the loan officer at the bank. |
| [04:21.89] | It has been a learning experience. That's true. |
| [04:24.02] | I think you're doing the right thing. Taking your time. |
| [04:26.74] | Looking around. Especially with a purchase of this kind. |
| [04:30.18] | You're talking about a lot of money. |
| [04:33.74] | We'll call Mrs. Martinelli and tell her to keep looking for us. |
| [04:37.21] | And I'll call Mr. Riley at the bank |
| [04:42.20] | and tell him we'll see him in a couple of months. |
| [04:42.88] | And if you ever need Dad or me to help you ... |
| [04:45.22] | We know. |
| [04:46.30] | You know we'll be there for you. |
| [04:48.48] | It's a Stewart tradition. We're a family. |
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