Capitalism: My own love story with US Bank

Back in September I started a journey to buy a house.  I scheduled an appointment with the predator, oops! I mean, lender and began the process of jumping through absurd hoops and emblazoned rings of fire.  You know the drill!  First time home buyer gets a groovy new job making money with potential earnings based on commission, everyone is excited (boy this girl is thinking, I'm going to make more money now than ever before!), my predator -there I go again - lender starts pulling strings this way and that and finally we are about to secure a closing date and WAIT!  One more hoop!!!  He wants me to REFINANCE my 2002 Jeep Grand Cherokee Laredo.  Really?  Why?  That car is a salvage and I've got my loan maxed out on it.  Nobody who works at my real bank would allow me to do that because they give a shit!  About me and their own careers!  Why would I extend a loan out on a car five years that won't last the end of this one, I ask, what's going on?  He says, You are a 41 ration for debt to earning and you need a 48.  Well, now, I've already given him all my tax info and my $500 non-refundable processing fee to discover that this is the moment when this thing falls through because, SURPRISE, Chrissy, you can't afford that house!!!  I say, no thanks, I'm pulling out.

I am lucky to not have gone through with that because within no time at all my big money job turned into a big sexual assault nightmare.  So, I emailed the preda-ehem!-lender in a professional matter saying thank you and should I pop in whenever to retrieve my tax files?  He never replied.  Big shocker that one! So, I call and he refuses my calls.

 I will be walking in there today in the hopes that my file is waiting for me somewhere.  God help me with patience.  I'm just about out!

Thank you for reading!

www.ChrissyHogue.com
www.ChrissyHogue.icanvoice.com