own my own home

I talked to my loan officer today, and she said that the lender needed a letter from one of the banks my former husband owed money to, so I called one of my contacts at the bank (I know 3 people there now), and asked her to fax the letter for me. Everyone there is so nice, I will call my loan officer tomorrow to see if she got the letter she needed. If not, I will call the bank to find out why not. I am not a natural pain in the ass, so hounding people for this stuff is hard for me. I am apologizing over and over for bothering them, but it’s what I have to do if I intend on making this happen.

I contacted a loan officer yesterday about beginning the application process. She ran me though the auto system yesterday, but I was not approved. It was because of those late pay/delinquent accounts of my former husband’s that are still showing up on my credit report. I have taken care of this by paying the bank a settlement to remove my name from the notes, but they have not come off my credit report as of yet. I cannot accept the fact that I won’t get this loan. I just cannot. I have to be able to buy this house. There is just no other option. I don’t want to move my kids yet again for the 3rd year in a row. We are so settled in here, I just don’t want to do it to them or to me, for that matter. I have to make this work some how. I am going to stay positive and just assume that it is going to work. It has to work.

I have paid off a debt of my former husband’s that unfortunately my name was on as well. Our marital residence also sold this month so that giant debt is no longer showing up on my credit report. I have the credit card debt that unfortunately reemerged down to under 35% of available credit, where it needs to be to help my score. I am really hoping my scores will go up next month once all this has been reported to the credit companies.

I am working diligently to repair the damage done to my credit by my ex-spouse. I hope to have a much improved score by May 1.I am keeping my fingers crossed that at least some of the disputes I have filed will go my say.

I need to begin researching into loan and/or grant programs that I may be eligible for because I am a single mom. I am not going to try to pursue a loan from a bank until around June. By that time, I will have a lot more money saved and hopefully everything will be settled with all the properties my former husband has decided to stop paying the mortgages on.

nothing good to report on this goal. My ex-husband has completely destroyed my credit, so I don’t know how I’m ever going to get a loan. It really sucks big time that I now have shit credit through no fault of my own. It makes me so frustrated, I can hardly stand to think about it. I am going to wait until around June to begin to try to get a loan to buy the house I’m living in. The timing of all this couldn’t be any worse. The credit market has dried up at the exact moment in time when loose credit would be exactly what I need.

I have lived in my own home for the past 10 years until I got a divorce. I have been renting since. My former husband decided to stop paying all his bills, and unfortuately for me, my name was still attached to these debts even though they were his debts and were assigned to him in the property settlement. I am hopeful that I will be able to buy the house I am currently renting within the next 6-8 months. I am very embarrassed that my credit has been destroyed. I feel that at my age, I should be in a home of my own. That marriage really set me back financially. I have to try to let it go and move forward from where I am now.