- Dec 10, 2002
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ughhhh... I found the most awesome house this weekend, in a really wonderful neighborhood... and it's $40K cheaper than the house I almost bought, that I'm living in now! 
The contract went thru last night, and they even agreed to pay closing costs!
However... tomorrow is Loan Day (crack, boom...) I am not sure I will qualify. Of course the contract is contingent on that, but there are so many variables... I've talked to 4 loan officers over the past month, and 2 say I can get a loan no prob at all, and the other 2 say maybe, maybe not. I dunno who to believe! But I have (you guessed it) a Christian loan officer so hopefully she'll work hard on my behalf.
I have one last big ole debt that I haven't paid off, and I'm most worried about that... my debt-to-credit ratio is pretty high. I'm gonna call them today and ask if they'll take it off my credit report, and in exchange after I get the mortgage they can put a lien against my house. Otherwise, I kinda doubt I can get approved. Then if I do get approved, I have to get $5K in 3 weeks before closing.
anyhow.. pls. pray for me. the irony is, the ppl. I owe money to are under state authority.. and if I had a car payment they would HAVE to forgive the debt! But.. I can't figure out how I'm supposed to get a car right now, this week, while still leaving enough money for myself to close. ackkkk. it's so frustrating.. the more you spend, the less debt you have.. no fair!
The contract went thru last night, and they even agreed to pay closing costs!However... tomorrow is Loan Day (crack, boom...) I am not sure I will qualify. Of course the contract is contingent on that, but there are so many variables... I've talked to 4 loan officers over the past month, and 2 say I can get a loan no prob at all, and the other 2 say maybe, maybe not. I dunno who to believe! But I have (you guessed it) a Christian loan officer so hopefully she'll work hard on my behalf.
I have one last big ole debt that I haven't paid off, and I'm most worried about that... my debt-to-credit ratio is pretty high. I'm gonna call them today and ask if they'll take it off my credit report, and in exchange after I get the mortgage they can put a lien against my house. Otherwise, I kinda doubt I can get approved. Then if I do get approved, I have to get $5K in 3 weeks before closing.
anyhow.. pls. pray for me. the irony is, the ppl. I owe money to are under state authority.. and if I had a car payment they would HAVE to forgive the debt! But.. I can't figure out how I'm supposed to get a car right now, this week, while still leaving enough money for myself to close. ackkkk. it's so frustrating.. the more you spend, the less debt you have.. no fair!
