97Hope, I'm with butterfly. With artificial obstacles--e.g. limited employment history but stable income and/or savings--someone usually helps even if they charge an extra 0.25 percent interest.
Thanks, you guys! Lender called and said that if he can't get this through, he's already reached out to some local banks that do in house lending and would love me. I have excellent credit and enough money to cover the mortgage, but that would wipe out my savings and at these interest rates, it wouldn't be smart.
Just got off the phone with my partner (work) and we were dreaming and scheming on plans for the house. I'm ahead of myself but as Blondie would say, Dreaming is Free.
I feel good about buying a house on my own and excited for a new chapter. I'm not where I was several years ago!!
ME47 XH44, S28 S24 S19
8/17-BD IHS: 1/17-2/19 D FILED (ME): 7/19 D FINAL: 10/20 M23 T25 OW CONFIRMED: 01/21
Do not let your hearts be troubled and do not be afraid.
small and local are key, Hope. a small and local bank which services their own loans will often have extremely competitive rates, and more importantly, will view you as a person in your totality, rather than just a loan #. Don't give up!!
M 20+ T25+ S ~15.5 (BD) BD 4/6/15 D 12/23/16
"Someone I loved once gave me A box full of darkness. It took me years to understand, That this too, was a gift." ~ Mary Oliver
Fingers and toes crossed for you! I agree with bttrfly that small local banks will definitely view YOU and not just numbers. Best wishes for a new house adventure.
Me 52, H53 Bomb drop 9/29/2014 Divorce from XH final 12/17/2014 Marriage #2 12/31/2019 5 adult (step)daughters (3 from XH's first marriage, 2 from current H's previous relationships) 6 grandkids
Thank you so much!!! I'm gong to talk to a local bank on Friday! (((Dawn))) It's good to "see" you! I've been trying to catch up with everyone as I took a break, but the connection has been funky last few days.
ME47 XH44, S28 S24 S19
8/17-BD IHS: 1/17-2/19 D FILED (ME): 7/19 D FINAL: 10/20 M23 T25 OW CONFIRMED: 01/21
Do not let your hearts be troubled and do not be afraid.
My offer was accepted!!! And my loan is being approved! I'm floating!!
Also had 2 major breaks at work and am feeling awesome about that.
I have a side job tomorrow night, and plans to see the grandsons on sunday. Next week busy with work it's my long week.
I have been on nights since January and I'm over it. I know there are people who prefer nights, but I'm not one of those. 8-8. By 3 am I'm ready to GO!
But I'm thankful for employment and a job that allows me to help and serve others.
Hope you all are doing well. Thanks for the support and encouragement and advice!!
x
ME47 XH44, S28 S24 S19
8/17-BD IHS: 1/17-2/19 D FILED (ME): 7/19 D FINAL: 10/20 M23 T25 OW CONFIRMED: 01/21
Do not let your hearts be troubled and do not be afraid.
