Hello everyone,
Here is my story.
1995 became a single mom while 6 months pregnant with my second son.
1996 bought my first home.
2002 lost my home to foreclosure and filed bankruptcy.
Moved into first apartment. Landlords did not like small children playing outside and moved to evict me. I told them if children are not allowed to play outside they should make the apartments an adults only complex, was only here 9 months. I found a new place, turned in the keys, and moved to apartment two in 2003. Tthe landlord in this apartment did not take care of "problem" tenants. I had my new car keyed, my children's snowmen and pumpkins smashed by bigger kids, and neighbors above who were loud all times of days and nights. Lived here 5 years
2008 I found a large house to rent with the option to buy and moved into this place knowing I could not afford the rent. I just had to get out of the apartment. I took on a second job and after 8 months was fired because the boss was a jerk and I never could do the job well enough. Should I mention I have been at my current job for 24 years? I lost this house because I could not keep up with the payments and my credit was still bad from the bankruptcy to qualify to purchase. Lived here 2 years.
Moved into my current apartment in 2010. My two sons are grown but still live with me. Found out about the USDA guaranteed loan.
September 28, 2013 put an offer on a home. Original list price $159,900. My accepted offer $141,000.
October 2, 2013 inspection done. Nothing major found but a few contigencies need to be worked through.
October 25, 2013 approved by lender going to USDA Monday. Wanted to share my journey to give others hope.
It has been a long journey back to home ownership. I will keep everyone posted.
Starting Score: Experian 692 Equifax 705 Transunion 661
Current Score: Experian 692 Equifax 705 Transunion 661
Goal Score: 800
012019 Fico8/Mortgage Score: 
