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Q: So Flippin Frustrated

asked by: mc4ever02 on September 11th, 2007

Extremely eHealthy

I'm so over it. By it...I mean everything. You know what I spent my morning doing? Putting in a bid on a house. Yup. I found my dream home. It was perfect. It was a foreclosure so it was super cheap. It's a 4 bedroom 3.5 bath with 2450 sq feet. It has two floors and an inground pool with a screen in enclosure and outside bar. The asking price was only $165,000. Perfect right? And I did so well with not getting my hopes up. I really did. There are a ton of reasons for them to not have excepted our offer or not get qualified for a loan.

Reasons for them not accepting our bid:

There were already 3 offers on the table. (I still think we had the advantage here.)

We were getting 0 financing. (They don't like this)

I have no 'verifiable' rental hisorty.

When it comes to get approved for the loan, keep in mind that I am doing this on my own. DH will not be involved with the mortgage process. (horrible credit and no 'verifiable' income). So there are many reasons for not getting approved, such as:

I don't make enough money. (We all know and except this. I make crap.)

I have to much debt.

So you want to know why we couldn't get the house? Drumroll please...

My credit history isn't long enough. Evil or Very Mad

Evil or Very Mad

You have to have 4 lines of credit for over 16 mos to get approved for the program that we needed. I have 2. I have to wait another 4-6 mos before I can qualify to get a house. I am just so beyond upset. I have absolutely busted my but to be responsible and make a good name for myself. I have a great credit score. That's not the problem. The lady tells me 'but your so young'. Evil or Very Mad

Evil or Very Mad

'your as old as my daughter, it's impressive that you are trying to buy a home already'. I'm just so sick of my age being the ONE thing that is holding my back in, what seems like, everything.

Sorry for the long post. I'm just so upset. I've done nothing but cry all day. I can't have a baby, I can't have a house. What the heck is the point?

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Replies(8)

Bridget

replied on September 11th, 2007

Especially eHealthy

ugh, that is frustrating. i'm sorry, christy.

they may have given you that stupid reason for not accepting your offer, but it could have really been a combination of all the things you listed, you know?

it might be hard but you'll get a house eventually! hang in there!

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*star*

replied on September 11th, 2007

Extremely eHealthy

Christy, Im sorry you are having a bad day.

House buying can be really frustrating. We just went through all that last year so I feel ya. You guys will figure it out. There are lots of programs out there that cater to the young buyer with not a lot of money.

On another note, how do you find out about foreclosures??? Just curious

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mc4ever02

replied on September 11th, 2007

Extremely eHealthy

Thanks ladies.

I found it purely by luck. I was looking on the state website (they have a listing of every mls in the state) and happened across it on Saturday. Evidentally it wasn't supposed to be listed there. But, I saw it within hours of it being posted. You have to jump on something like that.

They said to come back in 6 mos and that they would find me a house that we would love just as much. I must say that I was really impressed with the realtors. (Caldwell Banker). He walked us through EVERYTHING and explained everything and made sure that we understood before he moved on. And even after he found out that we couldn't get the house, he stayed with us for a good 30 min. He was telling us things that could help us next time and misc stuff to help us out. I was really impressed. So, we will definitely be using them in the future.

I just have this overwhelming feeling that I can't do anything right. Does anyone ever feel like that?

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sillyakchick

replied on September 11th, 2007

Extremely eHealthy

Oh heavens no. I do everything right LOL! J/K. Sorry about the house. I guess this one wasn't meant to be. This probably means that a better one will come along. How is homeowners insurance right now down therre? My mom says it's terrible and that a lot of companies have left. She lives in Malabar half of the year.

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mc4ever02

replied on September 11th, 2007

Extremely eHealthy

When they were figuring out our payments, it was going to be between 300-350 a month. But it was an old house. Insurance is really high here, it has alot to do with hurricanes.

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*star*

replied on September 11th, 2007

Extremely eHealthy

oh my goodness, I nearly spit out my drink. Good lord that is a lot for insurance. I can certainly understand after what happened in 2004...believe me...I know...I had to work 18 hour days during that.
That just seems ridiculous. Our insurance is only $600 a year and we live 2 miles from the beach. But we dont get as many hurricanes as FL, but almost.

Like the other Heather said, Im sure that your dreamhouse is still out there and this didn't go through because it wasnt for you! It will come and you will find your house

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sick_mama17

replied on September 12th, 2007

Active User, very eHealthy

Aw sorry you couldnt get it. 4-6 months isnt that long to wait though, might sound it but the time will fly by. I think you're doing the right thing to get a house before having a baby.

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hopefulmjz

replied on September 12th, 2007

Extremely eHealthy

I would be upset too! It makes it even harder since it's your dream house AND in your price range. Maybe something even better will come your way down the road.

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