Adventures of a Gal

We were getting nervous because we hadn’t heard back from the bank right away. The anxiety was completely warranted. When we finally heard back, we were given a big fat NO. We were shocked. What had happened between this deal and the last? It had only been 2 months and all the financials were the same. The first mortgage had even been for more money. Nothing had changed in the last 2 months, what gives???

Upon further digging, we found out that there was an old credit account showing up on my credit report that was from about 10 years ago and delinquent. What was it? Victoria’s Secret. WTF?!?!? Yes, the expensive panties that I had bought 10 years ago were making it impossible for me to buy a house. Ironically, I had given up shopping at VS years ago, when I realized their product was overpriced and inferior. Yet, here I was drowning in a mistake I had made 10 years prior.

That’s when I decided to fight back. I wrote a long letter to the underwriter that had denied us. I asked if this could be reconsidered. Why were we approved only 2 months earlier with the same credit reports, etc. Wasn’t this “Affordable Mortgage Program” made for people like us? If we weren’t qualified, who was? I made my case and sent the letter off.

Meanwhile, our Brooklyn apartment continued to fall apart. We spent a week with no electricity in 3 rooms because of some wiring malfunction. Strange noises have been heard lately in the walls (I don’t even want to know). The whole building shakes daily due to the 5 construction sites that surround us on our half (yes HALF) of the block. If we didn’t get the mortgage, what were we supposed to do in 2 weeks? We had to be out??? We frantically started to look for rentals in Brooklyn. The only drawback…we would most def have to sign a one year lease and delay our home buying process another whole year.

Twenty-four hours later, the underwriter made a decision. We got it! It was relief after the week from hell and living surrounded by boxes, not knowing where we were going to be in 2 weeks. We would be in our new home in Jersey City. One catch though…I had to pay for those 10-year-old panties.