Approved for a mortgage! BUT then...ARGH! Frustration.

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BINKYBUNNY FORUMS

This topic has 9sd replies, 7 voices, and was last updated 17 years, 5 months ago by notjulesverne.

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- 04/02/2008 at 12:54 PM
  Lion_Lop_Lover
  Participant
  971 posts
  Well, my dad and I were approved for a mortgage of $84 000 !!
  
  BUT WAIT. DON’T PARTY YET.
  
  I called the bank to arrange coming down to sign documents, and mentioned that the place I was offering was a mini-home. The woman got quiet and said ‘Well, you were approved for a house, not a mini-home’ and so then said the process was completely different and that now we have to go back and get reapproved for a mortgage… >.< CRAP! The original mortgage was a 40 year, 7.19% - making my monthly payments $527 (ouch). But she said for minis, they only could go 25 year mortgages...
  
  So…I hastily emailed my dad (who is in LA) and am hoping he called them to sort it out…
  
  Cuz I was allllll excited, and then … plummeted…
  
  And … grr! What a frustrating process!!
  
  CROSS AND HOPE FOR ME GUYS!!!!!! WE MUST DO IT!!!!!
- 04/02/2008 at 1:08 PM
  Kokaneeandkahlua
  Participant
  12067 posts
  OMG that stinks!! What’s a mini-home?
  
  *Still crossed*
- 04/02/2008 at 1:34 PM
  Sarita
  Participant
  18851 posts
  Yes, I’m curious as to what a mini-home is too – sounds like PeeWee’s Playhouse :~)
- 04/02/2008 at 1:39 PM
  Beka27
  Participant
  16016 posts
  i tried to respond but my post got eaten… :o(
  
  i know you want this house, but if you cannot afford a 25 year mortgage, are there regular houses in that 80,000 price range that you could afford? i hate when things don’t go the way you want. i wish she would have told you that sooner.
- 04/02/2008 at 1:40 PM
  Beka27
  Participant
  16016 posts
  oh, is a mini home like a pre-fabricated house? not a trailer but not with a whole foundation and everything?
- 04/02/2008 at 1:41 PM
  Sarita
  Participant
  18851 posts
  I’m surprised too that they have a 40 year mortgage! Wow.
- 04/02/2008 at 1:46 PM
  Kokaneeandkahlua
  Participant
  12067 posts
  I’ve heard they even have 45 year mortgages here right now…
- 04/02/2008 at 2:02 PM
  MarkBun
  Participant
  2842 posts
  Heh, being from San Francisco, CA, my first thought was “You can buy a house for $80k?!”
- 04/02/2008 at 2:07 PM
  babybunsmum
  Participant
  3896 posts
  oh darn that sucks! going from 40 to 25 yrs will probably hurt the pocketbook. i wonder what they’ll come back with? i have never heard the term ‘mini house’ either. is that an eastern expression? i’m imagining its a woodframed, vinyl clad home without a basment (frost footings only) but i could be wrong.
- 04/02/2008 at 2:48 PM
  notjulesverne
  Participant
  207 posts
  Ha ha markusdark! at $547 a month no less! And I thought I was getting a good deal on my $1000 a month one room apartment
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