I am really in tears today.
We were not accepted on our mortgage pre-approval application for a 30-year fixed at CINCO.
I am devastated.
Is there anything good going to happen to us living here in Cincinnati?
My husband's job SUCKS. He is more depressed than I think I have ever seen him.
And now this.
We were *so hoping to get out of this daggone expensive rental we're in, and buy and get some equity going and move into a neighborhood of muslims where we have friends.....
If it's any consolation for myself, I don't like at all the way the mortgage broker at CINCO dealt with me. He wasn't "user friendly" shall we say. The folks down in FL at our old credit union when we were thinking of applying for a mortgage 3 years ago were SO MUCH MORE HELPFUL. They gave us this hudge packet of stuff with a checklist on "how to qualify" etc.
Granted, we are 6 years out of a bankruptcy, but we have absolutely NO DEBT, alhumdulillah and don't EVER plan on getting HARAM credit cards again, thank you very much!
CINCO approved us for a $15,000 auto loan last fall, so we thought a mortgage would be no biggie.
This guy just jotted my husband's TIN and employer's name and took one paystubb of his from me, halas that was it. Apparently the 8 months of work history was what did it. (they want 2 years). NEVERMIND that I have a work history from Qatar, he didn't want my tax papers or anything from me. They totally refused to judge us collectively, as a family unit. My hubby has to be the one the mortgage's name is in apparently b/c in the United States of America I mean jack @#$#^ because I don't have a paid job (I'm a stay-home mom). My husband took 2 years off while we were in Qatar so I could work and he could be a house husband, and this is what we get? How completely ANTI-FAMILY.
Man, as I replay this mortgage broker's actions in my mind I can't help but think that he really wasn't trying to help me get approved. He seemed quite "old school". And perhaps the fact that I was wearing a scarf on my head didn't help him relate to me very much????
Freakin' racist Cincinnati!
