Back in December, I was to buy the rental house I was living in. But the owner decided not to sell. What's more, three days before I was to go looking for something else, the lender pulled the loan, saying that the first-time homebuyer program I had been approved for was no longer available.
So I decided to rent another year. I found another rental, much nicer and much roomier than the single family we had been in. The bonus was that the owner wants to sell. So I sign a year lease and was told anytime I was ready to buy, that I could.
Well, now I moved in two weeks ago. I decided I really like the place. So I asked my credit union and one other lender to pre-approve me. Both said no. Now I have decent credit scores and virtually NO debt. But that doesn't matter. Single, one income. Basically, I'm screwed.
Now two years ago, it was wait until my credit scores were higher. Then it was wait until I had a bigger downpayment. Now it's wait until I make more money.
I have a little boy and I can't keep moving him from place to place every year. Now I just spend all day and all night crying. I feel like I can't put a stable roof over his head. All because a bunch of lenders decided to do loans they weren't supposed to, to people with no income.
This makes NO sense to me. I work 15+ hours a day. I pay taxes. I pay my bills. Right now no one knows how much I hate people at this moment. What more am I supposed to do?
What was all the working, scrimping and saving for?
I hate people today. I really do.
