Find me on most of the social spaces as Mrs. Flinger
In an effort to launch something in a very short timeframe, after three months of coding in off hours for stints of a few minutes at a time, I used a framework to get *something* out. This is not code I would use for a client. Ever.
In fact, if you could see my face right now, you'd realize this is a little more than painful.
But, as sometimes has to happen with personal projects, the non-paying personal site takes a backseat to quality and gets dressed in handmedown code. Thanks to VMcore for the free ride here.
Try Fifth-Third Bank. They gave us a no-doc mortgage. It’s worth a try. I’m so sorry, I know how this feels. I’ve been in a similar situation. Best of luck to you.
I don’t know what to say other than this. Earlier this year, my husband and I lost two houses before we moved into this, what really honestly is our dream house. I know you can’t see it now, but it really, really, will be ok.
oh. oh, ugh. i am awfully sorry.
i hope this gets turned around for you, i really do. i wish i could do something.
My heart is breaking for you, and I SO WISH I knew someone to contact for you. Instead, fingers crossed and prayers going up that all will work out.
Try another lender. Those combined credit scores shouldn’t prevent the purchase. I hate that feeling… especially when YOU KNOW its the right house.
Shit. There is nothing I can do. Nothing. But I am crossing EVERYTHING that someone else will read this who can do something.
oh my gosh. I really really really wish there was something I could do, I am so sorry.
Thank you. I thought maybe just getting the word out would help. And I’ll try some of the info we get.
Also, for the love of Peter, DO NOT pay anything late when you’re buying a house. Sob.
I don’t have any advice, but I am so sorry this is happening to you. :(
I recently discovered I was 60 days behind on a credit card I’d used once EVER. The charge was $75. The late feeds were $30. Ugh. The card was new after my purse was stolen last May. We were still getting Bill Pay notices for the OLD card, with a zero balance. So, I didn’t realize.
I was mortified. I’m not sure if it’s dinged my credit or not. I hope not. But, we’re not trying to buy a house (or anything else right now), so it’s not as big a deal if my credit was dinged.
I hope someone can help you.
I don’t know anyone. But I pray. For you. And them. And even if they don’t call back… the right person will. And then you will know what to do. Be listening.
I wish I had some, any pull. This is effed up, for lack of a classier term. We’re not talking being evicted from a home or having a car repossessed; we’re talking being late on a student loan. Am furious FOR you. Will reset myself and send you all my best thoughts.
Oh I am so, so sorry. My heart is breaking for you reading this. I wish I could help in some way. Please don’t blame yourself though!
Banks and lenders are cracking down so hard right now on everyone. We have perfect credit and have paid all of our bills on time. Yet when we were given an offer to transer a credit card balance and accepted it, the company called my husband and started grilling him about what he planned to do with the money, his job info, etc.
Then they told him that not only would they not give us the balance transer, but they were closing our card down. A card we’ve had for years and have never been late on a payment on. Again, we have perfect credit.
I really believe these lenders are looking for any and all excuses not to loan (and a lot of these banks are taking the money that WE the people gave them in the bailout and are investing it and/or paying lofty raises to their executives instead of loaning it out as they were supposed to do).
So really, even if everything had been perfect, it’s still really hard, so please don’t beat yourself up.
And I’m a huge believer in positive thinking so keep on envisioning your dreams of living in the house. Don’t give up hope yet! I’m praying that it will still come together for you and your family.
OMG, I am totally passing the word. You deserve that house!!!
I’m with Jodifur - we lost out on our dreamhouse before we found a better one. Still, it’s so disappointing. You do “move in” as soon as you fall in love with it. I’m sorry :(
Oh God, I’m so sorry! I wish I knew someone or could just fix it for you, my stomach hurts for you. It has to be okay, it just has to be fixed. Prayers, good thoughts, crossed fingers, candles lit.
My advice (and while I’m a lawyer, I can’t give unsolicited legal advice, so consider this girlfriend advice) is to FIGHT, FIGHT, FIGHT. Keep asking to speak to someone higher. Keep saying that you don’t want this story to have to become a national one where the bank ends up looking like a monster. Keep heading up the ladder until you get the result you want. I think you can. Hollee
I am so sorry - please try other lenders! Even if you had to take a different interest rate to get in, you can always refinance in a few months.
Don’t give up - your scores should be just fine for getting a house. Keeping fingers crossed and sending out good finance mojo into the universe for you.
Terrible story, It hurt reading it.
I was a Realtor years ago and had a client lose his credit by paying off a loan. Sounds counter-intuitive but a late payment wasn’t reported until the balance was zero. Had he left $1.00 on the loan he would have been fine.
If you contest the mark with the credit agency directly, they usually get removed but it takes 30 days.
We’re currently moving because our landlord had an adjustable rate loan and the bank refused to refinance. It’s weird living in a home that’s currently on the market…it isn’t much fun.
I’m so sorry! But I have a strong feeling this will work out. My feelings are usualy right on…
Simon’s credit got FUBARed a few years ago when he opened a Mervyn’s account to get a discount on a $10 belt and then never received a statement for it because they sent it to an old address. Flash forward a few years, and it almost (almost!) cost us our house too. (Is there a possibility you can get approved for the house loan on your husband’s credit only?)
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