- 5 years ago
- Wedding: September 2013 - B&B
I knew that trying to buy a house would be a long, stressful process. And by going for it when we did (I.E. after getting new jobs and not yet being married) we asked for it. But KNOWING it still doesn’t actually prepare you for it! And throughout this rant, I really do try to keep in the back of my mind that we are VERY close and it will be worth it and that I should really just be thankful that we are in the position to buy a house and we live in a country where you are free to own your own little piece of it (‘MURICA.)
That. Being. Said…..
Really, FHA, REALLY? My Fiance graduated in December with a degree in forestry from a University that was just ranked 9th IN THE WORLD for it’s forestry programs. And then he applied to ONE job and GOT IT. IN FORESTRY. Actually working on a military base but technically through the same university where he got his degree from. Competitive shit, you know?
But all the FHA sees is “WHAT?! He went from being a part time cook at Outback making barely above minimum wage (to which, might I add, they originally used for a PRE-APPROVAL) to being a forester and making twice as much??? NOooooooo way man, no way. Too unstable for us.
Are you freakin’ kidding me? In this economy, I mean THIS economy, him graduating from a top ranked university and getting a job RIGHT AWAY in his field of study is too unstable? Like effing really???? I get that they want job security, but seriously what is more stable than getting a job right out of college in the same field you studied?!?!? And you’re working for the same place you went to school?!
Also… obviously we are not married yet. Since they wouldn’t accept FI’s job as “acceptable”, he can’t go on the mortgage. And since we’re not married, our joint bank account doesn’t really count either. Are. you. serious????? What says “true love” more than giving each other access to ALL OF OUR DAMN MONEY?! (Ok I am being facetious here, true love is obviously more meaningful than money) but I mean C’MON.
He had to sign papers saying that everything that was already in the account I had access to. Right, because If I went to the bank and said “I need $4,000” they would say “Well actually we see that from your end you only put $2000 into this account, that’s all you can take.” Um no, they would give me my damn money with a smile. (Unless they sucked at customer service.) And they won’t count any additional incoming money from him.
I mean, I know me proclaiming my undying love for him from a rooftop just isn’t an acceptable standard. (However, they did ask for “proof” of our upcoming marriage. I wanted to backhand someone with my ring hand and ask if they felt my proof hard enough or they needed it again.) Seriously though, a joint bank account should be pretty darn good sign that hey, we’re in this together. But no.
We will get you your damn little piece of paper. I’ll serve it up with a hearty dose of EFF YOU and a side ofmiddle finger. All these little details constantly run us into problems and issues. Like the fact that if we don’t close by the 22 (which, for the record, is not our fault we are down to the wire) the home rates will go up and since we AREN’T married we just found out we can’t get the multi-policy discount for the car/house insurance, so between the potential higher rate and not getting a discount they are going to be a little concerned about my income-to-debt ratio, because remember, MY FIANCE DOESN’T COUNT AS PART OF MY LIFE BECAUSE WE AREN’T MARRIED AND HIS INCOME DOESN’T COUNT DESPITE OUR JOINT BANK ACCOUNT BECAUSE HE IS SOOOO UNSTABLE GETTING A JOB IN HIS FIELD AFTER GRADUATION BECAUSE ITS NOT THE SAME AS HIS PART TIME JOB. *headdesk*
Hopefully, we are only two weeks away from overcoming and making it through the other side, a little battered and crazy but HOMEOWNERS. Please!!!!!
Thanks for letting me get it out 😛