More waiting.
Aug. 13th, 2009 07:28 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
spookyeviloneAll invoices and rent receipts were turned in yesterday. Back to waiting. I received my Truth in Lending packet yesterday, so at this point they're taunting me by holding my loan just out of reach. Included with that was the most recent credit report they've pulled, and my credit has gone up 12 points since the last time they pulled it, a month ago. Which should verify what I said in my Letter of Explanation.
It is slightly irritating that people with undischarged bankruptcies can get loans with no problems, while someone who didn't declare bankruptcy and made creditors whole even on debts that were racked up by an identity thief is having such a hard time. But, at least thus far, they haven't turned me down.
At this point, they could take a chance on me and have someone living in and paying for that house, or they can turn me down and let it sit empty another 8 months and have it go down even further in value. Anyone who comes along after me is going to base their bid lower than my bid, which is $30k under the HUD valuation and $150k under the independent appraisal valuation.
But then, if things made sense in the financial and housing industry, we wouldn't be in the midst of this econopocalypse.
It is slightly irritating that people with undischarged bankruptcies can get loans with no problems, while someone who didn't declare bankruptcy and made creditors whole even on debts that were racked up by an identity thief is having such a hard time. But, at least thus far, they haven't turned me down.
At this point, they could take a chance on me and have someone living in and paying for that house, or they can turn me down and let it sit empty another 8 months and have it go down even further in value. Anyone who comes along after me is going to base their bid lower than my bid, which is $30k under the HUD valuation and $150k under the independent appraisal valuation.
But then, if things made sense in the financial and housing industry, we wouldn't be in the midst of this econopocalypse.