Album 11：A Place of Our Own - ACT3_走遍美国

mr.riley: how do you do?

richard: hello.

mr.riley: i'm ralph riley.

richard: i'm richard stewart, and this is my wife, marilyn.

mr.riley: pleased to meet you.

marilyn: likewise, mr.riley.

mr.riley: please, sit down. what can i do for you?

richard: we'd like to discuss a mortgage.

marilyn: for a house.

mr.riley: fine. are you buying a house or are you reinancing your present home?

richard: we're planning to buy a house.

marilyn: and we'd like to find out about a mortgage.

richard: we are customers of the bank. as a matter of fact, my whole family banks here.

mr.riley: i have some questions to ask. do you own your house or do you rent?

richard: neither. we live with my parents, dr. and mrs. philip stewart.

mr.riley: and how old are you?

marilyn: i'm twenty-nine.

richard: i'm thirty.

mr.riley: and, mr. stewat, what is your occupation?

richard: i'm a freelance photographer.

mr.riley: and, mrs. stewart, are you working?

marilyn: yes. i'm a designer, and i work in a boutique.

mr.riley: did you bring any savings or salary information? last year's tax forms?

richard: yes. here they are.

mr. riley: ok. what...what kind of house did you have in mind?

richard: we're talking about buying a two-bedroom house in mount kisco. here are the financial details on the house.

mr.riley: thank you. are you prepared to make a ten-percent down payment?

richard: yes, we are.

mr.riley: payments over thirty years?

richard: yes.

marilyn: do you think we can get a loan?

mr.riley: well, it depends. do you own any other property? any stocks or bonds?

richard: no.

mr.riley: i see. then you don't have any collateral. perhaps you could get a guarantor- someone to sign for the loan for you.

richard: why is that necessary?

mr.riley: since you don't have enough income, and you don't already own any property, the bank needs to be sure you can pay the mortgage every month. a guarantor is responsible for the loan if you can't make the payments.

richard: i see. well, the idea of buying a house is exciting.

marilyn: thank you, mr.riley. we'll read this over carefully.

mr.riley: thank you.

richard: good-bye. thanks.

mr.riley: godd-bye. and hope to see you soon.

richard: i hope so, too.

mr.riley: take care.

marilyn: good-bye.

richard: it all sounded so easy until they mentioned needing collateral or a guarantor.

marilyn: we have no collateral.

richard: and i don't think it's a good idea to ask dad to sign as a guarantor. i don't feel right about it.

marilyn: i understand your feelings about it, richard.

ellen: now, tell me, what's the problem?

marilyn: we can get a loan from the bank if we can put up some collateral.

richard: and we don't own anything to use as collateral.

marilyn: or someone can sign with us as a guarantor.

ellen: why don't you speak to dad?

richard: no. if we buy a house, i want to be able to handle it alone.

ellen: everybody needs help sometimes, richard.

marilyn: i understand richard's feelings about it, ellen.

richard: in two or three months, i'll have an advance on my book and be able to put more money down.

marilyn: what about the house in mount kisco? somebody else'll buy it by then.

richard: then there'll be other houses, marilyn.

ellen: richard has a point. you're just beginning to look.

marilyn: we're in no great rush. it's true.

richard: this has been a great learning experience for us, marilyn. talking to the real-estate agent. looking at the houses. talking to the loan officer at the bank.

marilyn: it has been a learning experience. that's true.

ellen: i think you're doing the right thing. taking your time. looking around. especially with a purchase of this kind. you're talking about a lot of money.

marilyn: we'll call mrs. martinelli and tell her to keep looking for us.

richard: and i'll call mr.riley at the bank and tell him we'll see him in a couple of months.

ellen: and if you ever need dad or me to help you...

marilyn: we know.

ellen: you know we'll be there for you.

richard: it's a stewart tradition. we're a family.