unable to finance a mortgage with poor credit
Credit score 596.
Late payments as recently as last February are the reason I'm/we're not eligible for a loan. They said to try again after 12 months of no late payments.
This is my doing, as much or more than my husband's. There were days where I had money in the account and wasn't together enough to make the payment on time, and instead of asking my husband to do it I would keep assuring both of us I'd get it done. There were times we couldn't afford the payments and could have borrowed money from family, but I refused to on principle. My denial of reality at the time, plus some of holding to my guns. That part I don't regret.
Missing out on a great deal of a house, much lower than rent would be and walking distance to work/school. I gave this up to my HP as I started looking into this and made an offer on it. I know something better is ahead. I also know I have my own work to do on my life in the meantime. As I find what I'm powerless over, I also learn what I need to take responsibility for.
Glad for the healing place I'm in. Just for today... I will let go and let God.