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Stupid People

This is the house we are wanting, it has a beautiful little creek that runs right in front.

This is the house we are wanting, it has a beautiful little creek that runs right in front.

I am so seriously annoyed write now. I havent mentioned that we are in the process of trying to buy a home but we are, and no one seems to know what the frig they are doing. Weve been trying to repair our credit and it has worked, we now have a score of around 700, and we have been pre approved for a home loan, but the type of loan we have been approved for is ridiculous. Like if there is one broken window in the house they will deny it, REALLY? The area we live in is full of houses that were built in like 1902 and earlier, so there are gonna be a few little things that need to be fixed. I just thought you know, fix the credit, get a loan, and done, but no they gotta be stupid and throw in all this extra crap. If any of yawl know anything about usda home loans let me know, and keep me and my family in your prayers, I want this house so badly, and im really praying we will be able to get it and soon.

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24 responses

  1. It has always been my understandin’ that the USDA pre-approves homes before they will consider a loan. I could be wrong on that though. Anyway, best of luck to ya, I hope you get it πŸ™‚

    Like

    June 12, 2014 at 9:44 am

    • They pre approved us for a loan before we had a house in mind. And thanks I hope so to. πŸ˜‰

      Like

      June 12, 2014 at 9:47 am

  2. Find a realtor who has recently sold a comparable house, in the approximate condition yours was in and ask them for their home inspector to write the report. The home inspectors are not all equal and there are those who know how to write the report so the buyer, seller, and realtors are all happy. This whole thing is pretty much a racket. Good luck.

    Like

    June 12, 2014 at 9:55 am

    • Thanks I really appreciate the info. πŸ™‚

      Like

      June 12, 2014 at 10:00 am

  3. machinegunmama

    Does the usda provide you with any pre approved homes or suggestions? My friend went through that about 10 years ago

    Like

    June 12, 2014 at 11:06 am

    • No, I just called a lender they pulled our credit scores, submitted it and said we were pre approved. Now we have to try to find a house that meets their standards, which so far seems impossible. Im like at my whits end.

      Like

      June 12, 2014 at 11:09 am

  4. Currently in the process of relocating and I know the stress of it all. Looking for a multi unit was exhausting. And just when it seemed everything was working out, there is now a final hour crisis that may derail the entire deal and put our place back on the market (attorney messed up the closing date and its an issue for the buyers). I suppose in the end, it will work out as it should. Just try not to become too overwhelmed and I know thats difficult.

    Like

    June 12, 2014 at 11:35 am

    • Im sorry to hear about your issues, and out hope everything works out for you as well. And im tryen not ti drive myself crazy but…

      Like

      June 12, 2014 at 12:01 pm

      • yes I know the but. I was so annoyed and was happy when it was over and just yesterday a problem surfaced thanks to a small error on the attorney’s part. Praying it works out for the both of is. Househunting is a daunting experience

        Like

        June 12, 2014 at 12:03 pm

  5. Fingers and toes are crossed. I hope it works out for you x

    Like

    June 12, 2014 at 11:52 am

  6. I don’t have any knowledge to share… but hoping you find your dream home, soon!

    Like

    June 12, 2014 at 1:48 pm

  7. Since I’m Canadian, I don’t know much about home buying in the States.
    However, I wish you the best of luck. I hope you get that home you really want.

    Like

    June 12, 2014 at 6:51 pm

    • Me to, and this house is perfect for us, so if you’d keep your fingers crossed for me i’d appreciate it.

      Like

      June 12, 2014 at 6:53 pm

      • Fingers firmly crossed. πŸ™‚

        Like

        June 12, 2014 at 6:56 pm

      • β˜†Woot wootβ˜† im certain to get my home than, lol. Thanks

        Like

        June 12, 2014 at 6:57 pm

  8. Hope you get the house!!!

    Like

    June 13, 2014 at 5:04 am

  9. silverliningsanddustbunnies

    I feel your pain. I work in a related to real estate field, and the horror you’re going through is shared by way too many people. Whether you’re refinancing or getting a conventional loan it’s the underwriters that are clogging the system.
    A brief little history: when the whole mortgage crisis thing exploded a few years back, one of the problems cited was inflated prices on poor quality homes and the scams being run with “sub prime” -meaning people who didn’t qualify got loans way above their ability to repay for too little house value… The typical regulatory and industry reaction went WAAAAYYY too far in the other direction. Now underwriters find every little tiny possible issue and hang up the sales, because they lost so much and were being blamed as one of the prime causes of the problem. Greedy people scamming needy people has hurt everybody, which is again, typical. Closings are being extended out to ungodly time frames for a lot of people, and a lot get exhausted and can’t stand the process.
    Sorry you’re caught in this mess, but hang in there. If you stay with making sure every little thing is corrected, you’ll get your dream house. Work with the seller on it if you can to keep the sale from falling through because of all this s*** they throw at you. Pray. Breath in, Breath out. Vent. Good advice on the home inspector, but depends on how far into it the underwriters are already at.
    And in the absolute worst case if you lose this house because of it? That would be sad, but you’ll survive, and with prayer you can thrive and find another even better one, get that home inspector thing going, but it will take time.
    My fingers, toes, eyes and anything else if crossing it would help! But mostly I’ll add you and your family to my prayers.

    Like

    June 13, 2014 at 9:16 am

    • Thank you so much for the info, and more so for your prayers. Right now the biggest issue is that the house we want is in a flood zone.

      Like

      June 13, 2014 at 9:37 am

      • silverliningsanddustbunnies

        Ouch. Keep the faith, baby!

        Like

        June 13, 2014 at 10:04 am

      • Oh I have faith, and even though I want this one, I have accepted that if it doesn’t happen then there must be a reason.

        Like

        June 13, 2014 at 10:13 am

      • silverliningsanddustbunnies

        And if not this, then something even better!

        Like

        June 13, 2014 at 11:37 am

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