Pix,
you may have tried this already, but perhaps get in touch with a mortgage broker? One might be able to help you out.
Marco: Do we look reasonable to you? Mal: Well. Looks can be deceiving. Jayne: Not as deceiving as a low down dirty... deceiver.
'Out Of Gas'
Spike's Bitches 47: Someone Dangerous Could Get In
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risqué (and frisqué), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
le nubian - May 08, 2013 7:51:14 pm PDT #29890 of 30001
"And to be clear, I am the hell. And the high water."
smonster - May 08, 2013 8:08:02 pm PDT #29891 of 30001
We won’t stop until everyone is gay.
Oh, man, Pix. What assholes. My bank got bought out by them back in the 90s, and as soon as I could I jumped to a credit union. Hate hate hate.
Scrappy - May 08, 2013 8:29:40 pm PDT #29892 of 30001
Life moves pretty fast. You don't stop and look around once in a while, you could miss it.
How frustrating and horrible, pix!
NoiseDesign - May 08, 2013 9:09:39 pm PDT #29893 of 30001
Our wings are not tired
We started with a mortgage broker but since they are licensed to operate in a given state and we live in California but the property is in FL they couldn't help us. We apparently have to deal directly with a bank that operates in both CA and FL.
It's just rediculous. It went from needing to show the underwrites that we have $5000 cash on hand to $15,000. If I had an extra $10,000 sitting around we wouldn't be trying to get the loan.
The really stupid thing is I could most likely go to a car dealership tomorrow and have a $50,000 car financed in a matter of hours, but we can't get a loan secured on a property that is worth twice the value of the load and is completely paid off.
le nubian - May 08, 2013 9:23:02 pm PDT #29894 of 30001
"And to be clear, I am the hell. And the high water."
Hmm. And you can't do a personal loan? Interest rate is probably too high, right?
Strix - May 09, 2013 1:55:05 am PDT #29895 of 30001
A dress should be tight enough to show you're a woman but loose enough to flee from zombies. — Ginger
Oh, Pix and ND, that sucketh beyond the telling. Having dealt with (and still dealing with) the house/bank clusterfuck that DH's ex left for us to clean up, I have total empathy. Banks are soulless bastards.
And to all those who offered support and an ear yesterday, THANK YOU! I feel so much better and DH and I had a really good conversation about it last night. We worked out best and worst case scenarios, and I have every confidence that nothing like this will go down again. For those of you you expressed an interest in an email, I'll get to it today, but I want to kinda bask in the good mood that came from dealing with it head on and getting a really good response.
I went to sleep at 10:15 last night and woke at 4:08. Which is not optimal, but I'll take it! SO much will I take it!
Our bedroom is clean, my office is halfway clean, and I am doing laundry right now! I know this is probably boring to read, but I am trying to kick the Black Dog in the ass, and being accountable is useful. So I am TOTALLY ruthlessly using y'all!
Let's see what else I can accomplish today.
smonster - May 09, 2013 2:59:40 am PDT #29896 of 30001
We won’t stop until everyone is gay.
Strix, I'm so glad to read that. I hope today continues to be better, and that if it's not, you can be gentle with yourself.
Laura - May 09, 2013 3:06:04 am PDT #29897 of 30001
Our wings are not tired.
heretofore known as Fucking Evil Bank, FEB
I'm so sorry, Pix and ND. Over and above the financial bullshit that Wells Fargo has inflicted on us, the part I resent the most is the emotional damage. Banks have brought forth a degree of anger and rage that no person has ever been able to inspire. I treasure my peace and serenity and hate that they can make me feel this way. FEB indeed.
It is good to hear that things are better today, Strix.
Hugs all around.
beekaytee - May 09, 2013 5:59:36 am PDT #29898 of 30001
Compassionately intolerant
Aw, Strix. Good for you! Kicking the dog through accountability is awesome.
Ruthlessly using? Heh. Reminds me of that Bob Seger line: I used her, she used me/ But neither one cared/ We were gettin' our share.
Pix and ND, I wish I had something useful to offer, besides deep sympathy and shared rage over the way banking has screwed this country up.
beekaytee - May 09, 2013 6:00:48 am PDT #29899 of 30001
Compassionately intolerant
Redacted.
Problems solved. Thank you Hivemind!