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| 部落格群 > FairlyCurious > Good, The Bad, & Really Bad |
land of the free???
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land of the free??? Just a rant because I am so pissed. I am wishing to buy a house instead of paying someone else house payment. So I got pre approved. Now I begun looking for the house I will be comfortable in. The realator seemed nice but...........she stated one day that the money i am approved for will only get me houses that need improvement and it will be hard to find one. Now mind you I got a pretty healthy amount. Secondly I was told to qualify for a 203 K loan to assist in some of the repairs I would need to boost my credit scores. So I asked how to do that and was told I need a credit card or three???? WTF so I am to get credit cards so I can purchase a house I am not quite sure I understand this logic. Was told by lender that two or three is best, and then I can boost my already good credit score but since they take the middle score I have to raise the score. I have never had a credit card ever since if I want something i pay cash or save till i can get it. I believe if i was on state assistance or social security (for medical or something) lenders would be falling down to give me money or assistance to purchase a home. Nothing against my friend who is on SSI for medical reasons at a young age, just purchased a home and she has had little to no income for many years. Also no credit what so ever. So here is why confused I work and pay bills, and I am retired from the government for 20 plus years. So what seems to be the issue with this? Maybe I should pop out five or so kids and be on welfare then maybe someone would be happy to help. Not that it would happen I have one son and love him dearly but......also been fixed (snipped, tied, and cotterized) LOL. All i can say is what a fucked up system we have and it will only tend to get worse. And many homes are just sitting since no one can purchase they will just take a loss and rot away to nothing. If the bank enjoys owning all these homes for them to just sit more power to them  . But I personally just dont get this at all. I refuse to give up and will continue to work it until i end up with a house of my own for me, my dogs, and my horse!!!!! Failure is never an option I will persevere!! Just had to vent my opinion thanks for listening. |
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wouldlove to chat with you sometime
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the reason they wnt you to have the cards is ,to "verify' that you have a history of borrowing and repaying,car loan etc, also join a credit union and make regular deposits, I know it's fustrating, but the 203 k or what ever it is , maens you have to fix , I don't believe you can purchase without the "fixer -up' loan attached.So she's not stearing you wrong, don't blame the messenger.
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I would also go check out a credit union, they have better terms than banks a lot of the time. happym; West End, Richmond, Henrico, Glenside, Virginia, Shortpump
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