FUCK ME

Go ahead. Everyone has had a turn.

Something the loan agent said the other day stuck in my head this morning - she hadn't gotten the VA certificate for the loan we were planning to do. No certificate, no loan. Takes 30 days to get, normally.

I thought she had gotten it six months ago when we put the house on the market. That she knew and had verified that we qualified for that kind of financing.

No, she hadn't done it. So I called the VA on the cell phone driving in this morning.

WORDS OF ADVICE/WARNING

Never trust someone to do government paperwork for you. Particularly when it pertains to if you have a place to live or not.

We don't qualify for this VA certificate. We can't do the financing method we've been basing all our calculations on. We may have to pull out of the deal we've already done in selling the house and risk being sued. We may not be able to buy at all.

Nice thing, cell phones.

The loan officer has already called me back and told me why she didn't apply for the certificate. We weren't looking to buy yet. Our house hadn't sold yet.

Bitch, you were supposed to verify that we could finance - wouldn't confirming that we qualify fall under that category?!

Back to square one on conventional, and with our credit histories, we stand to get reamed, if they'll allow us to give them a chance to.

Welcome back to townhouse living. Or renting.

Fuck me. Just do it and get it over with.

FUCK ME

Go ahead. Everyone has had a turn.

Something the loan agent said the other day stuck in my head this morning - she hadn't gotten the VA certificate for the loan we were planning to do. No certificate, no loan. Takes 30 days to get, normally.

I thought she had gotten it six months ago when we put the house on the market. That she knew and had verified that we qualified for that kind of financing.

No, she hadn't done it. So I called the VA on the cell phone driving in this morning.

WORDS OF ADVICE/WARNING

Never trust someone to do government paperwork for you. Particularly when it pertains to if you have a place to live or not.

We don't qualify for this VA certificate. We can't do the financing method we've been basing all our calculations on. We may have to pull out of the deal we've already done in selling the house and risk being sued. We may not be able to buy at all.

Nice thing, cell phones.

The loan officer has already called me back and told me why she didn't apply for the certificate. We weren't looking to buy yet. Our house hadn't sold yet.

Bitch, you were supposed to verify that we could finance - wouldn't confirming that we qualify fall under that category?!

Back to square one on conventional, and with our credit histories, we stand to get reamed, if they'll allow us to give them a chance to.

Welcome back to townhouse living. Or renting.

Fuck me. Just do it and get it over with.

FUCK ME

Go ahead. Everyone has had a turn.

Something the loan agent said the other day stuck in my head this morning - she hadn't gotten the VA certificate for the loan we were planning to do. No certificate, no loan. Takes 30 days to get, normally.

I thought she had gotten it six months ago when we put the house on the market. That she knew and had verified that we qualified for that kind of financing.

No, she hadn't done it. So I called the VA on the cell phone driving in this morning.

WORDS OF ADVICE/WARNING

Never trust someone to do government paperwork for you. Particularly when it pertains to if you have a place to live or not.

We don't qualify for this VA certificate. We can't do the financing method we've been basing all our calculations on. We may have to pull out of the deal we've already done in selling the house and risk being sued. We may not be able to buy at all.

Nice thing, cell phones.

The loan officer has already called me back and told me why she didn't apply for the certificate. We weren't looking to buy yet. Our house hadn't sold yet.

Bitch, you were supposed to verify that we could finance - wouldn't confirming that we qualify fall under that category?!

Back to square one on conventional, and with our credit histories, we stand to get reamed, if they'll allow us to give them a chance to.

Welcome back to townhouse living. Or renting.

Fuck me. Just do it and get it over with.

No better

Someone stole Jim's Palm out of the bathroom. The one I gave him for Christmas, yeah, that one.

I've ordered a replacement, but geeeeez.

No better

Someone stole Jim's Palm out of the bathroom. The one I gave him for Christmas, yeah, that one.

I've ordered a replacement, but geeeeez.

No better

Someone stole Jim's Palm out of the bathroom. The one I gave him for Christmas, yeah, that one.

I've ordered a replacement, but geeeeez.

Update

Well, it turns out we can qualify for an FHA. With only 3% down.

Suffice it to say, this baby is going to be fucking approved before I use it writing an offer.

*ahem* Going to the loan office this evening after work to sign paperwork to get it underway.

We may end up with a house out of this yet - if we're willing to handle the payments, the upper limit on an FHA loan is higher than the one on a VA - we can qualify for more this way.

I get a fortune cookie at lunch today - "You have so much to be thankful for."

Yes...yes, I do. I can work without being hindered by any kind of illness or disability. I have enough money to pay the bills. I can replace Jim's Palm without blinking.

I can remain flexible in the face of adversity. Someone had to die to teach me how to do this, but yeah, I can do it.

Update

Well, it turns out we can qualify for an FHA. With only 3% down.

Suffice it to say, this baby is going to be fucking approved before I use it writing an offer.

*ahem* Going to the loan office this evening after work to sign paperwork to get it underway.

We may end up with a house out of this yet - if we're willing to handle the payments, the upper limit on an FHA loan is higher than the one on a VA - we can qualify for more this way.

I get a fortune cookie at lunch today - "You have so much to be thankful for."

Yes...yes, I do. I can work without being hindered by any kind of illness or disability. I have enough money to pay the bills. I can replace Jim's Palm without blinking.

I can remain flexible in the face of adversity. Someone had to die to teach me how to do this, but yeah, I can do it.

Update

Well, it turns out we can qualify for an FHA. With only 3% down.

Suffice it to say, this baby is going to be fucking approved before I use it writing an offer.

*ahem* Going to the loan office this evening after work to sign paperwork to get it underway.

We may end up with a house out of this yet - if we're willing to handle the payments, the upper limit on an FHA loan is higher than the one on a VA - we can qualify for more this way.

I get a fortune cookie at lunch today - "You have so much to be thankful for."

Yes...yes, I do. I can work without being hindered by any kind of illness or disability. I have enough money to pay the bills. I can replace Jim's Palm without blinking.

I can remain flexible in the face of adversity. Someone had to die to teach me how to do this, but yeah, I can do it.