And like that, the dream was stolen away from me. After 32 emails yesterday, it looks like we may not be able to get this, or frankly any, house. Why you ask? Republicans. I know that sounds crazy, but let me tell you why this administration sucks and has potentially ruined my life. Back in July when we first started this process, we were told the area we were looking at didn't have any income requirements. We were told that as a result we could qualify for a 3% down conventional loan. Based on that, we knew how much house we could look at and afford. Skip ahead to yesterday when my mortgage person tells me the bad news. It seems that in late August, early September, the Republicans in MI decided to REDRAW DISTRICT LINES TO BETTER THEIR ODDS IN THE MIDTERM ELECTIONS. That's right. In order to gerrymander their way, they screwed around with who can vote where. This put our potential new home right in a new district. This new district now has income requirements for loan qualifications. What we were looking at was considered a 'low income' loan. The problem? I make MORE THAN DOUBLE what they consider the income level. What does all that mean? It means that for that area now, if I want to do a conventional loan in that district, at my income level, I have to come up with 5% down. OR I can do an FHA at 3.5% down. I told my mortgage person, okay, let's do an FHA. She called the seller's agent and they said, no, we won't accept the offer if they do an FHA because it will be harder to approve. They have to do a conventional or we pull our acceptance. Well fuck me in the ear. This means we have about 1 week to come up with another 2000-3000 if we want to keep this house. Or any house in that area. Fuck. Me. I don't know what we're going to do. One day I am crying for joy, the next I am crying because life fucking sucks. Every time I crawl to the edge of the pit, I get my fingers stomped on and I fall back to hell. The one time I wish my father wasn't a piece of useless shit and could help me like a normal person. I was so close. So fucking close.
On top of dealing with 32 emails, I had to teach my class. Boy was that fucking fun. Managed to get through that. Was too depressed to do much of anything else after class. Had ice cream for dinner because I just couldn't be bothered with eating.
People wonder why I get depressed. Here it is. I work and try to live my best life, then get bitch slapped for stepping out of line apparently.
Find me a short pier and take a long walk.
Thursday, October 4, 2018
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