So after 2 years of rebuilding my credit and saving money I am finally able to buy a house. Am pre-approved through USDA for 150K. The credit rebuilding was fairly painless thanks to the forums 
but the real nightmare is my search for a house!!! I thought this would be a fun, exciting time but its turned into a nightmare!!!! In July 2011 I put an offer on a house, paid for inspection. Inspection uncovered an electrical nightmare, non-functioning boiler, plumbing disasters, you name it. So I was able to back out because of that. Fast forward to Jan 2012. Found another house. Made offer, earnest money deposit, paid for inspection. This house was ate up with termites, to the point that the termite inspector said it would make more sense to just bulldoze the house down and build a new one 
. So, I was able to get out of that contract. A few weeks after that I find another house...you know the drill: offer, earnest money, inspection. Imagine my surprise when inspection comes back GREAT just a few veeerrry minor things. I was stoked!!!! Was in UW and my LO assurred me that UW was going without any problems. Then the appraisal came back...20K under my purchase price. Seller wouldn't lower price...lender wouldn't loan for house that appraised 20K below purchase price so I walked away from that contract. Well, on Friday I kinda fell into another house by some freak turn of events (I was driving around to clear my head cause I was feeling bummed about the whole house hunting situation and I got lost and found this house)...anyways, this house is everything I've been looking for!!! I'm kinda confused as to my Realtor hadn't shown it to me before instead of all these crappy fixer-uppers?? Sooooo, I made an offer. Waiting to hear back if offer has been accepted but I'm REALLY starting to think that I'm not suppossed to be a home-owner. This whole process has been soooo discouraging and full of disappointment. Has anyone else had any similar experiences? I need some positive vibes sent my way in the worst way!!!! I'm ready to give up!!!!
but the real nightmare is my search for a house!!! I thought this would be a fun, exciting time but its turned into a nightmare!!!! In July 2011 I put an offer on a house, paid for inspection. Inspection uncovered an electrical nightmare, non-functioning boiler, plumbing disasters, you name it. So I was able to back out because of that. Fast forward to Jan 2012. Found another house. Made offer, earnest money deposit, paid for inspection. This house was ate up with termites, to the point that the termite inspector said it would make more sense to just bulldoze the house down and build a new one . So, I was able to get out of that contract. A few weeks after that I find another house...you know the drill: offer, earnest money, inspection. Imagine my surprise when inspection comes back GREAT just a few veeerrry minor things. I was stoked!!!! Was in UW and my LO assurred me that UW was going without any problems. Then the appraisal came back...20K under my purchase price. Seller wouldn't lower price...lender wouldn't loan for house that appraised 20K below purchase price so I walked away from that contract. Well, on Friday I kinda fell into another house by some freak turn of events (I was driving around to clear my head cause I was feeling bummed about the whole house hunting situation and I got lost and found this house)...anyways, this house is everything I've been looking for!!! I'm kinda confused as to my Realtor hadn't shown it to me before instead of all these crappy fixer-uppers?? Sooooo, I made an offer. Waiting to hear back if offer has been accepted but I'm REALLY starting to think that I'm not suppossed to be a home-owner. This whole process has been soooo discouraging and full of disappointment. Has anyone else had any similar experiences? I need some positive vibes sent my way in the worst way!!!! I'm ready to give up!!!!
