In July I jumped at an opportunity that just seemed to leap out at me with open arms. I was searching online for house/condo listings & I found one in my current condo development. I was so excited to find a studio condo for an affordable price so I could finally get my dream of living on my own. I got pre-approved for a mortgage & then the proceedings started. That was 4 months ago. If you’ve been reading my blog for some time now you know I have NOT moved in yet & I fear I never will.
The fear is because my initial mortgage was denied after those 4 months because they couldn’t find a sale to compare it to. I can’t tell you why they couldn’t have told me that in the beginning. The mortgage loan officer dragged her feet putting off my mortgage & mortgage because she had stuff to do from other house sales & now I was up shit’s creek. My grandfather loaned me money so I could put 20% down to receive a new mortgage BUT it might be just a lil too late.
The seller of this condo has had enough. I have until November 11 to get a letter stating that I was approved for my new mortgage & have a closing. I don’t think that’s going to happen so my lil dream of owning my own place just for me is pretty much crushed.
I’m absolutely fuming with rage & disappointment that my stomach is sick, I have a pain in my side that won’t go away, & I’ve had a bloody nose for about an hour now. I…I’m so upset & I can’t do a thing about it until tomorrow morning. I CAN’T fathom how this got so out of control with time going by. They kept telling me just wait and see just wait let time go by we’ll figure it out yada yada…which translates to basically the bank & this mortgage lady talking out of their asses & making promises they can’t keep.
Tomorrow I have to go to bank & demand that they give me a definite approval letter & a closing date or I’m canceling the deal. I can’t go on like this. My mother & I scream at each other every day over this & if they can’t deliver what I need I will be able to get my down payment back but ONLY NOW. After November 11th I will lose my 12,000 down payment. I could just throw up over it all.
I’m fit to be tied. I don’t know how I’m going to sleep tonight knowing that tomorrow I could find out that I won’t ever get to live in my condo that I’ve stared at for 4 months now. I don’t understand how the bank could be so lazy & just not care that this is someone’s future home & hard earned money. I hope I find out something positive but it looks grim. Too grim. Shit. Just shit. I’ll keep ya posted. Sometimes life gets very real & the steaks are too ridiculous. Tomorrow I’ll know, hopefully.
R.I.P. Lydia Mae 10/30/10. You will be missed. I’ll always remember you talking in Spanish so fast to my grandmother. I’m sorry they didn’t do a service for you, but we will have a mass dedicated to you. Rest in peace.