Tuesday, July 13, 2010

backstory: June 23

Remember my post about how they were gonna double our down payment because I had a bankruptcy in my past? Well, late yesterday we got word that they might not approve us at all because of it.


According to the loan officer they can make exceptions if the filing were the result of truly extenuating circumstances, which I feel mine was. So I submitted a letter detailing my accident, injury, surgery, blah, blah, blah and how this affected my financial status at the time.

I mean, my credit since then has been fine. Haven't even been late with one payment. My credit score has gone up a little bit each year. I've done all the right things, financially speaking. I think, anyway.

We haven't heard anything since I submitted the letter.

It just really kinda ticks me off. In a way I feel like I'm being punished because of something someone else did.

I mean, the lady that hit me? She ran a red light, and got a ticket, and had some minor damage to her car. I get hit, and have a totalled car, a lifetime injury, years of pain, and a subsequent bankruptcy on my record. How is that fair?

Oh, and to add insult to injury, I needed to move a cinder block this morning. One cinder block. Yep, you guessed it. About 30 minutes later my back went out. I've been in some level of pain pretty much all day. Luckily for me, it's been just a little pain most of the time, punctuated by episodes of pain so bad you almost fall over when it hits you. All because I moved one cinder block. Stupid back.

And no, FireMan wasn't home. And yes, it needed to be moved before he'll get home. So unless FireGirl got some miraculous super-strenght, I didn't have much of a choice.

So I know it's only been a day, but I really want a definitive answer. Yay or Nay. Yes or no. New house or old house. I hate this hanging in limbo thing. And the paperwork the loan officer had sent previously had a tentative closing date Jun 28, so it's not like we have a ton of time. We just really need to know what's gonna happen.

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