Single___Parent___Life











{February 26, 2021}   652, 623, 618 Still Not Good Enough

Last year around November you may remember I checked on buying a house. They said I needed a 620 or better credit score. Well about a month ago I was going by the place where they sell new trailers and decided to stop in look around and ask all the questions.

I was surprised she said I should have no problem getting a place with my income and credit. They had some nice place. All they had on the lot were 3 bedrooms. I asked about bigger places she said 4 was about as big as you wanted to go. Because the rooms start to get small.

I came home and started looking them up and seen them with 5 bedroom 3 bathrooms living room and family room. The rooms were really good size still. I picked out 2 floor plans I liked. She told me that I should take my down payment pay cash for the land and use it as the down payment for the trailer. So I started looking at land. Then I had some questions so I went back the next weekend. This time I talked to a guy. Boy was I glad I stopped in before I bought property.

He answered my questions and showed me the plans I was looking at on the computer told me what 3 bedroom model they were on the lot. Then he said I needed to get everything done right then or very soon so they could get my order in. Because they are on back order until December!!

The women told me I could move in June if I got everything rolling in February. I can’t wait til December. He said if I Wanted to roll part or all the land into fencing I would need a 640. Needless to say I left feeling defeated.

So since my scores were over 620 I decided to call the mortgage guy. Who in November said get it over 620 you can get a house. He basically acts as if I am bothering him and says no I need a 640. I told him I just wanted to buy not build. He said I still needed 640. I didn’t have enough down. I have like $10k down. I hung up and decided I wasn’t going to deal with him. A few days later the guy at work gave me a number to someone who can get me the money and find the house. Do it all like my boss did when I bought my first house.

I called him he said since fucking covid they went up on what they want and I need a 640 for my middle score. I knew it was middle. Mine weren’t close to there. They updated and one shot to 652 the others went up but still 17 points from 640. Then something hit my credit and knocked my other score back to 580 something. Now I am waiting until Sunday when they update again to see if my 623 goes to 640 and my 652 stays. I was even looking for someone to add me as a user on their credit card. If they have had it for a while with no late payments and at around 10% usage it will bust my credit. I wouldn’t need access to the card, nothing would happen to their credit nothing. Once I close they can take me off. If my dad was here I would of had my new house for Christmas.

But with every thing happening around here and what happen Monday. I think I am going to call him I need him to just find me a house to rent. I am going to find out what happens if I get a rental then buy. If my score don’t go up then i can work on it a bit.

Rents are just so high and still going up. Why a trailer seemed good. I would have a bedroom for everyone. Girls would have a bathroom boys would and I would. We would have a family room that could be used for all kinds of things and even a 6th bedroom if we needed. Plus it would be brand new never lived in warranty on everything. I have land. I would have around $140,000 into it. I cant even get a 3 bedroom for that. It would be mine. I could have and do whatever I wanted.

I just don’t know what to do at this point. I had found about 5 or 6 house’s I wanted to look at. The one I really liked was in a really nice area. They were all 4 bedroom 2 or more bath. I made my mind up if I buy it is going to be at least a 4\2. I can’t touch a 5\2. It surprised me what a jump in price for an extra bedroom. I found a 3 bed with a finished garage. It was a two car i could put a few walls and couple doors to make 2 more bedrooms. I liked it but liked the others better. But in the last 2 days all but two of them are gone. I am thinking maybe waiting to see what comes up the next few months too and if prices drop. I don’t know what to do at this point.



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