It might as well be Thanksgiving going on Christmas. It is so darn cold outside. All the rain has not helped any. Thankfully it isn’t really freezing or we would have over 12 inches of snow on the ground instead of puddles on the ground instead!
Okay so tonight is going to be so darn cold and really soggy. This is going to be my youngest monkeys first real Halloween. She was around last year but had no concept of what any of this was about. She won’t really have any concept this year either other than the fact that once she realizes what is going on and the fact people are handing out candy she is going to get it. He older brother will help her out as well.
I remember as a child running through the yards from house to house. This year my children will not be running through the yards from house to house. Way to much rain this past week to allow that! Well I am sure my middle monkey will try but with it being night-time, not being able to see the puddles in the yards I just will do my best to discourage it!
On a positive note; because honestly I have not felt like there have been many recently; I went over to Ruth’s house the other night and her realtor was there. He told me he was pretty sure he could help us get financed for a house. I was thinking yeah right but I will try, again. So I sent him an email with information he requested. He got back to me with someone from a bank he wanted me to talk to. She called me last night and I am only 30 points away from qualifying for a mortgage on my own.
Currently to qualify I would need a co-signer. I know of two people who I could use and really I am not willing to do it. Call it pride if you like but I would rather talk to this lady and find out what I need to do to get it up where it needs to be over the next 6 months I guess. I am pretty sure what jack in the box and I will need to do is take the tax money we get next year and instead of invest it like we were going to, pay off the one really large CC I have. It isn’t behind. It is current but it is closed. So since that is the case I think maybe if we get that paid off we can take the money we were paying on it and apply it to other CC’s to get them paid down. So we are talking about 5 months here.
Let me tell you that might seem to some like no time at all but to me, living here during the winter, seems like a lifetime. See during the winter I can’t open windows to let the mold/musty smell out of the house. It is freezing in here all the time. The furnace doesn’t work properly. I know those who read here know what I am talking about. It is just frustrating.
Which then leads me back to why don’t I just attempt it with a co-signer. Have a co-signer for two years or so and then refinance on my own in two years. Well because the only two people who I can use are my parents. I can’t use my parents. That isn’t true I could call them up and ask them and I am sure they would say sure. There are problems with this though. The fact they are going to feel like the house partially belongs to them, even though they won’t be paying. The fact that my mom is so negative about everything right now and then if her name was on the house and me dealing with fact that it isn’t up to her standards and she helped me get it. The fact that I would owe even more to them because they helped. My parents helped me once before with a car. It was not a completely bad experience but it wasn’t fun either. Knowing a house is a much bigger item – Sigh…
We will just go with working on getting the scores up. On average they go up over 3 months if you are doing things to improve it.
There is another option but if I go this route it could possible end up taking longer if I don’t end up qualifying. This gentleman had me start with a “normal” bank. He has some lenders he uses for people with imperfect credit.Which I am sure seeing how I am only 30 points away from a regular mortgage I would probably qualify for one of the other ones. Here is the down side – each time you pull your credit report it goes down at least 2 points. I remember reading at some point in time no matter how many inquire though it can only go down a total of 12 points over 6 months from people hitting your credit report. So going back to this – if maybe I could qualify for one of those the only issue would be I guarantee it would be a higher interest rate.
I am going to talk to this lady on Monday. The reality is I know what I have to do in order to get it down. I have to get more debt paid down. I have two medical items in collections that are in dispute. I paid them, they sent them to collections anyway and they have been in dispute every since. So do I just pay it and get it over with, even though I have already paid it or do I keep on disputing it until they totally take it off my report? We can do our best to pay things down prior to our taxes but I don’t think it will make a huge enough dent to make a difference but I think once that one card is paid in full it will look better.
It is positive and yet so depressing all at the same time.
