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update: HOUSE/ HOUSING
7 years ago
So it is with a hollow heart I update y'all on the situation regarding housing.
This is a post ive had a hard time making cause ive had a hard time coming to grips with the situation, please excuse me if this is post is short, i can't bring myself to explain the situation in full for the 100th time.
We did not get the home.
After being pre-approved , paying $3400 in inspections , and packing all of our belongings, 3 days before closing the Mortgage company retracted the pre-approval stating that our 46% debt to income ratio was "too high" with co-signers (my husbands parents) . This is information they had from the very first week, 2 months ago. information that they had pre-approved us with. information they had before they required us to pay for inspections. Most of all, information they had before they led us on.
I am emotionally and financially defeated.
I belive this is morally wrong , and damn near criminal.
The fact that we have now lost $3400 to inspections , which we will never get back, for a home we will never have, has made me very angry recently.
If i was a stronger person i would try and find grounds to sue, but i do not know the legality on this , nor can i afford a lawyer.
My husband and I are very emotional about this and very scared. The reason for the move was to live in a cheaper home , due to a $200 a month rent hike here.
We are however very fortunate that the apartment complex manager was willing to sit down with us , let us explain our situation , and allowed us to cancel our move out. She also allowed my husband to re-sign despite not making the required 3x's rent. With her very kind help we are able to stay in our current place if nothing else.
Our money will be tighter than ever , but at least we aren't out on our asses.
As it currently stands however , due to a pending refund from the insurance company that we had to pay a deposit to for the home, we're behind on bills and i've been unable to pick up my medications.
I'm in a spot where im desperately trying to just things back to "normal" , and would like to apologize for being behind schedule.
I would ask for help, but i feel as tho i dont deserve it, so I'll be streaming to try and at least pick up my medication tomorrow.
Please understand that i am deeply sorry, to all who helped , to all who are waiting.
I have failed.
This is a post ive had a hard time making cause ive had a hard time coming to grips with the situation, please excuse me if this is post is short, i can't bring myself to explain the situation in full for the 100th time.
We did not get the home.
After being pre-approved , paying $3400 in inspections , and packing all of our belongings, 3 days before closing the Mortgage company retracted the pre-approval stating that our 46% debt to income ratio was "too high" with co-signers (my husbands parents) . This is information they had from the very first week, 2 months ago. information that they had pre-approved us with. information they had before they required us to pay for inspections. Most of all, information they had before they led us on.
I am emotionally and financially defeated.
I belive this is morally wrong , and damn near criminal.
The fact that we have now lost $3400 to inspections , which we will never get back, for a home we will never have, has made me very angry recently.
If i was a stronger person i would try and find grounds to sue, but i do not know the legality on this , nor can i afford a lawyer.
My husband and I are very emotional about this and very scared. The reason for the move was to live in a cheaper home , due to a $200 a month rent hike here.
We are however very fortunate that the apartment complex manager was willing to sit down with us , let us explain our situation , and allowed us to cancel our move out. She also allowed my husband to re-sign despite not making the required 3x's rent. With her very kind help we are able to stay in our current place if nothing else.
Our money will be tighter than ever , but at least we aren't out on our asses.
As it currently stands however , due to a pending refund from the insurance company that we had to pay a deposit to for the home, we're behind on bills and i've been unable to pick up my medications.
I'm in a spot where im desperately trying to just things back to "normal" , and would like to apologize for being behind schedule.
I would ask for help, but i feel as tho i dont deserve it, so I'll be streaming to try and at least pick up my medication tomorrow.
Please understand that i am deeply sorry, to all who helped , to all who are waiting.
I have failed.
But that definitely seems like good reason on grounds to sue, especially for emotional duress. As for affording a lawyer, there are plenty out there looking to get their first cut of legal action. Some will even undercharge you just to get a chance at the big leagues. not to mention there are plenty of firms out there that can pretty much explain if something was illegal from a big company, for little to cheap cost.
We really need to stop all this mortgage and loan crap... All it's doing is making us suffer.