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May. 14th, 2007 11:09 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
mynewplaceSee squee-worthy bebehs here: http://anita-margarita.livejournal.com/
I am 98% certain that I am not going to find an apartment that will hold me and my kid without bankrupting me. Thus I did today what might have been a crazy thing. I went to a mobile home dealer and completed a credit application. After I have or have not been approved, we will discuss purchasing a singlewide mobile home. They've found a piece of property for me, but after looking up its location in my city street guide, I'm fairly certain a mobile home will not be tolerated on that property. Thus, we'll have to find a park.
Long range plan is to pay on this a few years, then trade up after credit rating is inexplicably improved. Inexplicably, you say? Yes, for despite my tendency to make payments when they are due on large purchases, I have difficulty maintaining the "little things". I just am not to do da money so good.
I will require assistance from my mother & stepfather to make the downpayment. This assistance may not be available, it's highly possible that they simply won't have it. They may be able to borrow it, but I am not sure how that will go over. Also, they will not want me to buy a mobile home without first talking with my sister, who purchases repo'ed trailers. Thing is, I have to have bank pre-approval before I can purchase anything, and that's not easy to get. My credit union won't even talk about mobile homes, OR pre-fabs. I must go with the bank that the mfr uses or recommends.
This is hugely scary for me. Even having my name out there on an application is more than my credit report can withstand right now. But this rent is also more than my paychecks can withstand. What do I do?
If all things are denied, and I must resume the apartment search - it's VERY likely I will have to find homes for my cats. It's that bad, and I don't have much hope that finding homes for them will be possible.
I am 98% certain that I am not going to find an apartment that will hold me and my kid without bankrupting me. Thus I did today what might have been a crazy thing. I went to a mobile home dealer and completed a credit application. After I have or have not been approved, we will discuss purchasing a singlewide mobile home. They've found a piece of property for me, but after looking up its location in my city street guide, I'm fairly certain a mobile home will not be tolerated on that property. Thus, we'll have to find a park.
Long range plan is to pay on this a few years, then trade up after credit rating is inexplicably improved. Inexplicably, you say? Yes, for despite my tendency to make payments when they are due on large purchases, I have difficulty maintaining the "little things". I just am not to do da money so good.
I will require assistance from my mother & stepfather to make the downpayment. This assistance may not be available, it's highly possible that they simply won't have it. They may be able to borrow it, but I am not sure how that will go over. Also, they will not want me to buy a mobile home without first talking with my sister, who purchases repo'ed trailers. Thing is, I have to have bank pre-approval before I can purchase anything, and that's not easy to get. My credit union won't even talk about mobile homes, OR pre-fabs. I must go with the bank that the mfr uses or recommends.
This is hugely scary for me. Even having my name out there on an application is more than my credit report can withstand right now. But this rent is also more than my paychecks can withstand. What do I do?
If all things are denied, and I must resume the apartment search - it's VERY likely I will have to find homes for my cats. It's that bad, and I don't have much hope that finding homes for them will be possible.
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no subject
Date: 2007-05-15 01:12 pm (UTC)Good luck with it. Karma is being sent along your way. yes, the GOOD karma. I try not to share my bad karma