Roy, I don't see any reason why you wouldn't be able to get a loan to buy that house and the land....my dad's credit sucked more than Monica Lewinski and he was able to finance the house he's in now......I sincerely hope you're able to get it......and Marie, I'm sorry that your back is bothering you really badly, and I hope you get to feelin better soon.....and yes, y'all I'm wearing that stupid grin.

Well, Amber I took the first step. I did like mom said and contacted the bank. She said she couldn't cosign because she is still paying for my sister's place. Technically she is my half sister but sister is sister. Except that I helped raised her. I was like her dad in a way cause her dad was much an alcoholic as my dad was. Not to say that I didn't love my biological dad or my step dad but when I really needed help I turned to my heavenly dad. Atleast with him I can get a word in edgewise. I have decided just to let my heavenly dad deal with it. If its his will I will get the loan and if not it just wasn't meant to be. Keep on smiling. Its what I do.

That's what my dad does.....when things get too stressful for him, he puts it all in His hands....

Yes. And he will either honor my boon or reject it.

That way it out of my hands and into his.

Maybe I should become a Boonie since I sucked as a Moonie.

I mean it makes sense I live in the Boonies anyways.

Well, the stupid grin is gone........called the guy up yesterday and a woman answered the phone..................

Oh, I am so sorry, Amber. You were so happy, too. I am sure from the grin being gone it wasn't a relative of his.

Went to the bank this morning they told me they would have to have atleast $7000 for colateral as a down payment. The paper chase is just beginning. They sent me to a branch office in the next town to see if they could do better. The contact person said FMHA or HUD would want 3% down that way but would have guidelines. She gave me a number for rural development. Said money is tight right now for 100% financing. Rural is sending me a form to fill out through the mail from another town. Got back in touch with mom. Mom is working me out another deal if I can't get the loan through them. The new deal is any repairs would be up to me and the propane would be out of my pocket. Mom reminded me the six months she carried me when I first got down here 4 years ago. I was going to ask if her if it was any worse than the 9 months she carried me before I was born but thought better of it. I told mom I thought I was getting a great deal and to relax. I also thanked her for letting me have this 4 acres and house for $250 month rent. I also invited for a dinner date for a late mother's day gift. Right now I am the blackest sheep of the family out of mom's 9 kids but she is still trying to work with me.

Yep, his loss though

Don't give up Roy, talk to your mom and the bank about "gift equity." Basically your mom "gifts" you the equity in the house for the down payment, is just a paper trick but is done all the time. That is how mine went through. But may be able to work it where she could "gift" you the down payment part of as "gift equity" - the bank would get their money on paper, and yet your mom would get real money for the down payment from the bank for the rest. Would take some creative bookkeeping, but they do stuff like that all the time. When I bought my house from my folks, I got screwed royally, gave them $20,000 cash originally, then they wouldn't put it in my name, and they only owed $56,000, I also didn't know it needed a new roof and foundation and all, but then figured I could get a loan on the equity to fix it. Anyways, for a couple of years they refused to put it in my name but I paid everything, house payments, insurance, all utilities, taxes, even bought their groceries, etc., then they really slammed me and went and took out a 2nd loan on the house for $45,000 - so then $100,000 was owed on the house and no more equity for me to try to use to fix it, etc., now had a 2nd payment to make, etc. I really got screwed big time. Finally is in my name now, but what a freaking nightmare but after all that I didn't have a down payment but the bank did "gift equity" where they appraised it, and then did the creative bookkeeping and came up with the amounts they wanted on paper for the down and all the fees, so I didn't have any out of pocket. They may be able to a "gift equity" with your mom's permission for the down payment portion only, worth asking about. Just a thought, good luck.

Thank you, Marie for the information. You have given me quite a lot to think about. Right now I am the weakest link feel strong on the land. It is like my sanctuary.

You're welcome Roy, buying a house is a real pain. It tooks months for mine to go through, they kept coming up with stuff, a 2nd appraisal, etc., but not all banks are the same. But depending on the value of the home, I would think it would be pretty good since it has land attached, I would suspect they could work out a "gift equity" type thing for your mom to gift you the down payment and maybe even enough to cover the fees, who knows, but she would still get the rest of the money from the sale, would cost her some money that she is allowing you for the deposit, but in the long run, she is not really losing much and the house stays in your family, etc. But do shop around for the best interest rate, etc.

Glad I could help. Had never heard of this before my banker told me about it. Basically all creative bookkeeping, but whatever works to get it done you know. Take care.

Hope you all are having a great weekend. Sun is out here, in the 60s, so a nice weekend.

Take care of yourself.

Karen - I miss you, hope you are okay, haven't heard from you for a bit and I worry about you. Miss ya girl.

Amber - sorry about the guy, but better to find out now, than 10 months down the road like me, believe me, I wish I had known a few days after I started talking to the jerk.

Jax - hope things are going well for you.

Everyone else - take care and be safe.

im an honest person, so i feel i am definatley depressed at this particular moment.

Welcome to the thread Scarlets. This is a pretty safe place to come and talk. Usually one of us regulars is checking in and out and hopefully there is someone on to talk to.

I don't know what is going on in your life. Have you got any friends you can talk to? Have you ever tried counseling or group therapy?

hello marie, im a very hard person to get information from but yes i have friends to talk to about this but i don't like talking about.

I am the same way, but the truth is, if you talk to people and share it with someone, it tends to make you feel better and less depressed. You don't have to share it with your friends, if you are worried about being embarassed. You can always talk to a doctor, counselor, etc., church pastors and ministers do counseling too and it is all confidential. But, carrying it around inside you only makes it grow and fester and it doesn't go away. I know that from experience.

Just my thoughts anyways. I hate to see someone hurting.

once again marie thankyou, you are such a nice person and i have every respect for you.

You're welcome, but I hope you think seriously about talking to someone. Depression will eat at you until you do something to treat it. Medications can help too.

Hope you feel better soon, take care of yourself.