UPDATE 10/30: I should hear back from a finance lady tomorrow to see how much I'm prequalified for. I want to thank Morrigoon (sp? Sorry) SO incredibly much!! She introduced me to some great people! Morrigoon: The realtor is great!
So yeah that's basically all. Looks like I'm on my way to buying a house! If you ever need anything with realty Morrigoon is the lady to go too.
I want to thank all of you other Micechatters for your thoughts, prayers and advice. It helped me a great deal knowing there were people who really cared even though they have never met me. Thanks.
9/27 Okay...so I've never been one to openly share what's going on in my life..at least negative things. However, you guys are the greatest and I just needed someone to talk with, so I'm posting here.
Here's the quick recap July 29,2005 my stepfather calls and says he's staying in AZ, doesn't love my mom and is stopping all paychecks. But miracously we survived on my tiny retail paychecks and made it. Mom got the house in her name in December which raised the house payment. We still survived though. I know God has a plan for us but right now it's so foggy we don't even have a hint as to what it could be.
Ever since I started working as a teacher in August it seems like everything has hit us, and hit us hard. I live with my mom and 15 year old brother. Mom's been behind on payments and had bad credit since the mean person stopped his paychecks. So she went to see a financial advisor today (he's a family friend so we knew he'd be honest). Well it turns out that basically it comes down to selling the house or letting it go into foreclosure and Mom filing bankruptcy...but that kinda leaves us without a place. We have a bunch of animals so there's no way we could rent a place either.
Mom said that if she stopped making the house payments and let it go into foreclosure then she wouldn't have to file bankruptcy. So I'm looking into finding a house I could afford to buy because I have good credit and a secure job.
I just needed to get that out because I am so stressed out and upset. But I keep thinking maybe this is good because when my ex-stepfather comes into town he always thinks he should be able to do whatever he wants at this house... so maybe it's a blessing in disguise? My main worry is I won't be approved for a loan large enough to buy a house...so I guess we'll wait and see....
Thanks for listening guys.
So yeah that's basically all. Looks like I'm on my way to buying a house! If you ever need anything with realty Morrigoon is the lady to go too.

I want to thank all of you other Micechatters for your thoughts, prayers and advice. It helped me a great deal knowing there were people who really cared even though they have never met me. Thanks.
9/27 Okay...so I've never been one to openly share what's going on in my life..at least negative things. However, you guys are the greatest and I just needed someone to talk with, so I'm posting here.
Here's the quick recap July 29,2005 my stepfather calls and says he's staying in AZ, doesn't love my mom and is stopping all paychecks. But miracously we survived on my tiny retail paychecks and made it. Mom got the house in her name in December which raised the house payment. We still survived though. I know God has a plan for us but right now it's so foggy we don't even have a hint as to what it could be.
Ever since I started working as a teacher in August it seems like everything has hit us, and hit us hard. I live with my mom and 15 year old brother. Mom's been behind on payments and had bad credit since the mean person stopped his paychecks. So she went to see a financial advisor today (he's a family friend so we knew he'd be honest). Well it turns out that basically it comes down to selling the house or letting it go into foreclosure and Mom filing bankruptcy...but that kinda leaves us without a place. We have a bunch of animals so there's no way we could rent a place either.
Mom said that if she stopped making the house payments and let it go into foreclosure then she wouldn't have to file bankruptcy. So I'm looking into finding a house I could afford to buy because I have good credit and a secure job.
I just needed to get that out because I am so stressed out and upset. But I keep thinking maybe this is good because when my ex-stepfather comes into town he always thinks he should be able to do whatever he wants at this house... so maybe it's a blessing in disguise? My main worry is I won't be approved for a loan large enough to buy a house...so I guess we'll wait and see....
Thanks for listening guys.

Comment