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May 5, 2011 / allyo

No house for us!

We were denied the modification based on our GROSS income (pre-tax/health insurance, etc.), and our FIRST mortgage only. I knew that 80/20 split would come back and bite us on the ass.

We’re sad. But we’ve learned a lot, and life is going to be better from here on out no matter what. There are a ton of places for rent in the area we’re looking in. We have money in the bank. We’re relatively healthy. And the sun is shining today.




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  1. Jody / May 6 2011 2:49 am

    Oh no.

    On the upside, there’s something to be said for making a clean break.

    But I’m still sorry. This whole system just sucks.

  2. dawn / May 6 2011 6:19 am

    ARGH. I’m so angry about this Allyo but hopeful, too, that fine, it’s done. You guys will move on to a better place (literally and figuratively). I’ll admit I’m excited about you living in an area that better suits you. I think ultimately good things will come of this but I wish the path to get there didn’t suck so damn much.

  3. Kelly / May 6 2011 8:17 am

    What Dawn and Jody said. The journey (or at least this part of it) very much sucks, but the destination will, I have no doubt, be awesome.

  4. MystikMomma / May 6 2011 8:44 am

    All will be well. Certainly you have so much to be blessed for in your life and getting excited about a new abode can energize the family and get you closer to what you want.

  5. Thorn / May 6 2011 2:11 pm

    I’m so sorry and frustrated to hear this. We’ve been dealing with mortgages and refinancing for more pleasant reasons but it’s still absolutely ridiculous how one thing can work and then a tiny tweak is totally not acceptable because of some rule and the whole thing just doesn’t make sense.

    I do hope you’re heading into something better. I hope it’s like how having a diagnosis from the doctor feels better than not knowing what’s going on even though you still have to deal with the diagnosed problem. At least you know what your options are and you can finally move forward based on that. But ugh, I’m still frustrated and mad on your behalf.

  6. Dawn / May 7 2011 7:26 pm

    We will be there with pizza and beer and strong moving arms. I’ll kee an eye out for good places in the meantime….

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