Pregnancy Community Chat Forum - So Flippin Frustrated

Pregnancy Community Chat Forum - So Flippin Frustrated

Medical questions Health forums MarketPlace


So Flippin Frustrated

Medical Questions-> Health Forums -> Pregnancy Community Chat -> So Flippin Frustrated

Medical Questions

Author

Message

mc4ever02

Supporter

Joined: 08 Feb 2007
Posts: 3636
Location: Orlando, FL Usa

Thanks: 5

Thanked:2

So Flippin Frustrated Posted: 09-11-07 10:45am


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 %100 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. 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'. '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?

|

Bridget

Moderator

Joined: 27 Jan 2006
Posts: 10821
Location: ,

Thanks: 62

Thanked:42

Posted: 09-11-07 12:00pm


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!

|

*star*

Supporter

Joined: 12 Dec 2006
Posts: 1804
Location: ,

Thanks: 22

Thanked:24

Posted: 09-11-07 12:10pm


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

|

mc4ever02

Supporter

Joined: 08 Feb 2007
Posts: 3636
Location: Orlando, FL Usa

Thanks: 5

Thanked:2

Posted: 09-11-07 13:40pm


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?

|

sillyakchick

Supporter

Joined: 12 Apr 2007
Posts: 2691

Thanks: 6

Thanked:0

Posted: 09-11-07 15:36pm


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.

|

mc4ever02

Supporter

Joined: 08 Feb 2007
Posts: 3636
Location: Orlando, FL Usa

Thanks: 5

Thanked:2

Posted: 09-11-07 15:43pm


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.

|

*star*

Supporter

Joined: 12 Dec 2006
Posts: 1804
Location: ,

Thanks: 22

Thanked:24

Posted: 09-11-07 19:44pm


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

|

sick_mama17

Active User, Really EHEALTHy

Joined: 22 Jun 2007
Posts: 960
Location: , England

Posted: 09-12-07 04:12am


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.

|

hopefulmjz

Extremely EHEALTHy

Joined: 31 Mar 2005
Posts: 4777
Location: , USA

Thanks: 3

Thanked:11

Posted: 09-12-07 07:41am


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.

|

Related Topics

This Forum	This Category	All Forums
Flipping Pregnant!!!!!!!!!!!!!!!!!	So Flippin Mad!!!!!!!!!! Flippin Out......help? Cutest Flippin Thing Just Happend!	Testicle Flipping When I Exercise late period after hand job

Jump to:

Medical Questions -> Health Forums -> Pregnancy Community Chat -> So Flippin Frustrated

We comply with the HONcode standard for trustworthy health
information:
verify here.

The site is not a replacement for professional medical opinion, examination, diagnosis or treatment. Always seek the advice of your medical doctor or other qualified health professional before starting any new treatment or making any changes to existing treatment. Do not delay seeking or disregard medical advice based on information written by any author on this site. No health questions and information on eHealth Forum is regulated or evaluated by the Food and Drug Administration and therefore the information should not be used to diagnose, treat, cure or prevent any disease without the supervision of a medical doctor. Posts made to these forums express the views and opinions of the author, and not the administrators, moderators, or editorial staff and hence eHealth Forum and its principals will accept no liabilities or responsibilities for the statements made. Schizophrenia health This page was last updated on June 11, 2008
© 2008 eForums, Inc.