Katclub-They do have classes but the new laws are insane.Financing isn't there like it was before.It's worse for my hubby and I.I'm going to be 23 and he's 24. We almost had our first house when I was 19. Things fell through 1 week before closing and we lost money thanks to our dumb realitor! Grrr.
But, our problem is we didn't qualify for have our states assistance.Even though my hubby is the only one working, we both have good credit, and we have a daughter we made to much money.Before he had unemployment since his job outsourced and they let everyone go when they moved over seas.Only 20 employees were transfered.We then had that against us.My cousin and his wife qualified and I don't understand how when we had less debt, made less then both them working full time and had one other person in our house.We do automatically qualify for a lower interest rate though due to having a baby.We took home owners classes which will cover the closing cost for us.Here's the thing..they expire in October and if we aren't in a place we lose it by then. We can't reapply since my husband now makes more money and might be getting another job with a better company and with health care.When they say there's assistance there's not.Even if your 5.00 over pay you don't qualify.We go through this all the time.We are middle class and you make enough to get by but no enough to really live on.
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