LOL...No, not at all. In September 2009, my daughter was house hunting. One eve she was here and her realator had emailed her a new listing to look at. She said, "Mom, look at this house, isn't it the house you grew up in?" It was, and at my insistance she scheduled an appt. to see it. My husband and I went with her and I took video footage of the home I hadn't been in for 33 years. Now here's the thing: In Jan. 2008, DH and I were out driving in the snow and we drove by my old house and as I was taking pics I told him, "Baby, if this house ever comes on the market you have to buy it for me." He laughed and said OK. At that point I realized it was time to leave the home I've owned for 22 years, 5 kids, 4 dogs, a crappy marriage and an awesome marriage, and we got busy and started working, getting the house ready to sell so we could find a new one with less upkeep. In the process, I kind of fell back in love with my current house and we decided to stay. Fast forward two years and the 3+ acres is quickly becoming a toll to keep up and I'm pretty much ready to move on again.
So...after seeing the home last September I knew I had to have it. DH contacted a VA mortgage place and he was told he had no credit score (everything was in my name -- just seemed easier at the time and we were ignorant as to FICO scores and such). Quickly got him 2 CCs and a personal loan and held our breaths hoping the house didn't sell in the meantime. In December the sign came down and I as heartbroken. BUT, it was replaced by another sign advertising for a basement contractor. In January, I googled the address and worked up the courage to call the owner to ask if it had sold. She was the nicest older lady and said she had to take it off the market because the basement had flooded and she had to have it repaired. She promised to call us before she relisted it in the spring. In Feb., I checked DH's scores and they were all the way up to the mid 600s. On a whim, I called BOA where my current home loan is, just to ask about the possibility of a VA loan for DH and he was pre-qualified that day. I called the owner, and she said she was in no hurry as the condo whe was looking to buy had sold. We thought that gave us some breathing room to get our house ready to list. In March, she called and said she was ready to work out a deal. We finally came up with an offer of 101000 and she paid up to 4000 dollars of closing costs. Submitted the contract to BoA on March 13. The road has been steep at times and we had to submit other tradelines as the 2 CCs and the loan weren't 12 months hx. He also had to submit LOE regarding why he hadn't disclosed that I owned a home, which we had with the LO. And we had to submit proof of 12 months of timely payments on my home, insurance payments, and tax payments, even tho the new home mortgage is in his name only. BUT, on June 8, the home will be ours, and we will be moved in by July 4th. Destiny? I truly believe that what is meant to be will be, and for us, it was meant to be! I hope you are as happy with your new home as I know I will be with ours! I'M GOING HOME!
Starting Score: 658