I was able to pay $825 on my car this month

Normally my payment is $300. The owner also gave me another $100 off the life of the loan’s interest so actually, it’s like $925 payment. If I could possibly make another 2 big payments like that, the car will be paid off. My interest is 20% so now you know why I want to pay it off fast.

I know I should pay the 2 credit cards off that I owe $300 and $250 on but I can’t really move until I pay the car off because I’d never be able to get the payment to him on time because it’s due on the 1st, the day I get paid. I also don’t feel safe about taking the car out of state permanently until I have the title in hand.

I put my mobile up for sale, that’s the last dept I have. This will be the hard one. It’s a 1977 mobile home, 14 x 70, and I’m asking $12,999. The hardest thing is, once someone wants to buy it, I have to write a letter to my husband with an address in Indiana which I don’t have yet. It’s kind of hard to look for a place over the internet from Spokane, WA.

I was recommended to try remax.com for my real estate needs. What do you think?

I was able to pay $825 on my car this month

Buying a home – medical reasons

We have had a lease to purchase for a year now and they have extended the terms for 6 months then will raise the lease amount and home value 1% per month. They wanted to raise the house price by $10,000.

The monthly lease is really too high. Looks more than possible on paper and we are being careful with spending but it seems we are always trying to catch upon bills ( they fall opposite pay times)and two car loans ( on is the GMAC Smart Buy works like a lease) and my car I got with the 0% deal but it doesn’t get paid off real fast and about $4,000 is owed over it’s value according to several sites I have checked. Also – neither of us take all our prescriptions and I skip every other day with mine. Being an EMT I should know better but even the co-pay gets to bee too much at times.

Now we are looking for a different home. Yes it will help to get a more inexpensive home but the main reason is medical. They have found that I have 8 bad discs and my spine is collapsing so soon the 3 flights of stairs ( 3 floor no bathroom on the main) will be too hard to navigate.

Heres the deal:

1- I talked to a mortgage broker a few months back and we got my credit reports and went over every thing. It shows two state tax liens that were both paid.

Several “nicks” from where we went through CCS and then settled and paid them all off but it doesn’t look good on the report. That’s doesn’t seem fair since we did what we could to get them paid and then paid them off before we needed to.

We had a foreclosure – over 2 years old now because I had lost my job and the bank refused to take partial payments.

There is one lien on there that the company NOR the county knows anything about. The county says they have no record of it but it doesn’t seem we can get that off our report.

2- Since going through all the reports and getting things updated or marked paid where ever we could our score DROPPED. They say that happens at first.

3- we have NO money for down payment or closing so would have to go 100%, one house we like the sellers will carry second mortgage on it.

So – Tell me what bank will work with us and not “farm” out to others and drop the score more.

With our income now we can easily manage a payment close to what we are paying now – maybe $100 less a month would be great and we are looking at houses in the $160-170,ooo range instead of the $200,000 one we are in now.

We have been on time with all our payments on this house lease and have a three year record of renting after the house foreclosed (they didn’t process the forclosure until over 4 months later and the collateral from the sale paid the existing loan off.)

Whew! sorry for the long winded email but would love to hear what banks will look at the whole and not just the score.

Buying a home – medical reasons