Today after work Nick and I went to CT Move Mortgage (next to Gem Jewelry) to see about pre-qualifying / getting pre-approved for a mortgage. Thankfully, I can say that neither of our credit scores were seriously affected by our being broke and (on my part, at least)� unemployed while living in PA. My credit score is 656, which I know isnapos;t fantastic, itapos;s about what it was before. With our currently yearly income (me working 34 hours a week at $14/hr, and Nick working 34 hours a week at $9/hr) and our current credit scores we WOULD qualify for the $100,000 mortgage we need IF Nick didnapos;t have an outstanding $5,000 medical bill on his credit report. At first that was pretty upsetting, but I was determined to maintain my optimism and absolute certainty that things will work out.
So, I went home and when my mother got home from picking up Alan from school I talked to her about it. Back when my grandmother passed away, about two years ago, my mother said she would pay off my student loan as my apos;inheritanceapos; from her. She never did it, though, because my loan payments have been deferred since I was an active student. So, I asked her if instead of paying off the student loan (at least in its entirety) I could apos;haveapos; $5,000 of it to pay off his medical bill debt so we could qualify for the CHFA mortgage loan we need. (Which is no down payment, and includes closing fees, etc.) She, thankfully, agreed.
So I called the debt collection company (American Adjustments Bureau) and talked to someone about paying it off and getting a receipt of payment once we do. My mother will be going to the bank tomorrow to take the money out of a CD as a certified bank check or money order. (Any other kind of check will not allow the accounts receivable woman to send us a receipt for payment right away as they take up to 10 days to clear.) I will mail the check to American Adjustments Bureau on Monday.
I called Peter (the loan officer at CT Move Mortgage) to update him on what we had found out and he said 1) that we had resolved the issue very quickly and 2) that with that information he will call Cathy (the realtor) to tell her what Iapos;ve told him when he gets home tonight. He said that she will contact us about putting an offer down on the condo. Nick is worried that with him starting day classes at Porter and Chester next Monday (and his work schedule being affected, possibly) and about us being able to afford it.
The condo is listed at $99,900 (unit D-13). Condo fees are $146/mo and taxes are $19,18/yr. Peter said he thought we would be paying approximately $1,000/month with condo fees and (property) taxes.� That is a bit more than we were paying in the apartment, but still less than we would be paying to rent a 2 bedroom apartment. We will have to work at making it work, we will have to make sacrifices. We will pay for internet, but not phone or cable. (I think the condo complex gives everyone free basic cable, anyway.) We will have to be very conscious about using the heat, hot water, or electricity. We will have to keep the heat at a steady 60 degrees (and freeze our asses off), I will have to take apos;Brushwoodapos; showers (turning the water on and off as absolutely necessary to take my full shower), and being very conscious of how much electricity we use.
Like I said, it will be an adjustment, but it will work. The compromises with phone and cable (and making only minimum credit card payments), at least, can wait until after Nick gets out of school and is making more money. Iapos;m really glad he will be taking day classes since he will probably finish school at the end of July. Thatapos;s only six months of struggling, LOL. It will work out somehow, Iapos;m sure of it. I have to be absolutely sure. I am manifesting this as strongly as I possibly can.
I think the toughest thing will be affording food and baby expenses (diapers, baby food [eventually], etc.). I am expecting that things will just work out somehow and that we may have to at least partially rely on the hopeful generosity of others. I am once again relying on my faith to carry us through.I just hope this time that my faith will be enough. I have to know that it is and will be.
Pray for us and our growing family
Blessings
~Amy
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