By the time I left, the monthly payments were up to $525 and he was trying to weasel a down payment out of me.
Evil mortgage man: How much can you put down?
Me: Umm... none, remember?
E: A thousand?
Me: Nooooo...
E: Can't you borrow any?
Me: No.
E: What about your parents?
Me: My father is dead, my mother barely makes ends meet.
Me inside: (If my father was alive, I'd have $800 of tax refund to put on this... if he'd had life insurance like he promised, I wouldn't be in this situation... If I weren't so stupid, and had taken a policy out on him last year like Uncle Bob suggested, I wouldn't have this problem... *fighting down anger & depression*)
E: Isn't there anyone you can borrow from?
Me: No!
E: Blah, blah, blah, blah... can you even come up with $500?
Me: I can try....
E: How about $700? Can you do $700?
Me inside: (What is this, a freakin' auction?!!!!!)
E: Oh, and we'd like to do the appraisal Friday.
(411 from SuperRoomie: We're supposed to lay new linoleum, new bathroom carpet, paint a room, spackle my ceiling, etc before the appraisal... aka in 3 days!! I work TWO JOBS! When exactly am i supposed to do this?!)
I didn't even make it out of his office before I started to cry. I felt SO ALONE. So helpless! I had no one to turn to... no way to know if I was being ripped off! I went to my car, and sobbed. Came home, told the roomate, and sobbed. Called the bank where here mortgage was at, and this is what happened:
New Mortgate Dept: Blah, blah, blah... you should see about getting an assumption
Assumptions: Blah, blah, blah, you can't get an assumption. You should refinance, and get added onto the title & mortgage.
Refinance: blah, blah, blah, I'm not listening to anything you're telling me, but you should get a new loan for no apparent reason through our high-risk department
(At this point, I had to leave the room, crying and ranting and raving and such... I had already TALKED to the high-risk department, who said unless the house was in perfect condition, I wasn't eligible.)
Finally, the roomate gave up too... I think she thought I was making up the craziness her bank had put me through (this was like attempt #4 to get a straight answer from them), but at least now she knows I was telling the truth.
I went to Mennards for supplies, worked in the yard a bit (after being distracted by the neighbor, and forgetting to change into a longer-sleeved shirt to protect against ivy...) , cleaned, etc... tried to fix the plumbing under the sink, only to find I'd bought the wrong part... sobbed... finally went to sleep way late.
Today, SuperRoomie told me she'd printed off some papers for me. After a semi-crappy day of randomly crying at work (no one caught me, yeah!!!) I finally got a chance to look at the papers.
It seems that there are all types of help available to people who are first-time buyers... the mystery is how to find the stupid things!!!!
But at least, now I know what I'm looking for... (and canceling my loan application with the evil company)
So there is now a very dim light at the end of the tunnel, but I still am not feeling it inside... I need a break, a hug, and some chocolate. I also need to sit down tonight, and figure out a "SuperPlan" of attack.
My point today?
Today I am hurting for myself ~
Today I feel alone
Today I am grateful ~
Today I have friends (Tammy, SuperRoomie) guiding me through this "mortgage hell"
Today I am commited ~
I will be the voice helping the next woman walking alone
7 comments:
i am so feeling your pain ... i only went through this last spring and it was a nightmare ... and like you i don't have rich parents to help me out and neither does my husband ...
we actually never thought we would own a house so we feel really really lucky right now ...
there is always a way, it will work out ... take a deep breath and make it happen and you can sit in your very own living room with a big goofy smile on your face once it becomes yours ... that's what we did and still do ;-)
sending you hugs
love
and lots of good vibe for dealing with mortgage money people
(((big hugs)))
hang in there hun.
Jana! I'm sorry to hear of your bad days. I can't do anything to help, but I can send you supportive thoughts and distance hugs.
Hang in there!!!!
Mortgages can be tricky things, especially when you have a poor credit score. However, that doesn't mean it is hopeless. You may have to wait to get that score up and try applying again to get a better rate. If you know someone who is a Realtor, you can see who they use for financing. They will know where to look to find you as best a rate possible. I would just keep trying but not necessarily with a bank. They tend to suck (as if you didn't already know that!)We got ours through HUD which helps first time homebuyers and I think you can apply for them on-line. Hang in there.
WOW Jana! I'm sorry I was not here sending hug vibes! HUGS I thought I added you to my new blog alert so I'll check it out.
I wished closer to u so I could give u that hug that chocolate and then sit down with u and look at your options with u
is there a close older friend who could help u
do u have anything like free legal advise there?
Im praying for u sweetie
and Im pleased God told me to chat to u on MSN this morning (I hadnt read this then but I decided I needed to chat to u)
BIG MASSIVE HUGS
Oh honey - let me tell you that in getting in the house I'm in now, (and we have GREAT credit), we got pre approved, and then at the last minute: oh by the way we need $8K more down. I broke a phone on that one. I informed him in no uncertain terms that he was to get my loan on the terms we had agreed to. I heard he later had a breakdown and wondered if dealing with me had anything to do with it. Then, an hour before closing, the buyer of our then house backed out. And they wouldn't release the good faith money. So I had to do a bridge loan and carry 2 houses for 6 months.
You'll make it through just fine. And have great stories to tell later.
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