Today, my husband and I closed on our first home!! We are officially homeowners!!! I cannot thank you all enough for sharing your knowledge and experiences on this site. I learned so much about rebuilding credit and improving my finances from reading the info on this site. I am truly grateful!! This is a huge accomplishment as its been a long-time goal of mine to own a home.
Our homebuying experience was very long and stressful due to so many challenges with the sellers and their unprofessional attorney. He was a nightmare from start to finish – nasty emails, long rants, unwilling to compromise and even showed up nearly 2 hours late to the closing today. Despite all of that, we pushed through and closed the deal today – THANK GOD!! The mortgage application process wasn’t bad at all because we had all of our ducks in a row, thanks to the info I learned on this site, and our credit was in good shape with scores above 740. My husband always had good credit but I had a lot of work to do in order to get to this point. Last year my scores were in the low 500s and I worked really hard to get rid of all of the negatives and reach above the 740 mark (TU – 743, EQ – 742, EX -715).
Overall I count it as a blessing and I thank each one of you who contribute to this site!!