Smacked Voodoo

5y

There is a way to escape it. Freeze your credit and tell that mortgage lender to f*** off.

Oak

5y

I don’t even want to be home anymore. She doesn’t care about the logistics. She’s thinking about how big her room can be and which furniture to buy. A down payment is her last worry. The mortgage lender is going to call back tomorrow with another estimate too. There’s no escaping this s*** f***

plants

5y

I'm once again telling you that you should go no contact with your family

Smacked Voodoo

5y

"It's his credit, so it's his responsibility"

Not allowing your mother with a credit score of 480 to buy a $300K house with your credit sounds extremely responsible.

Oak

5y

I would think my grandmother would say something but no. She is excited too like wtf.

Birdie

5y

He’s a dependent his income is hers and this also appliesto finances

He technically can’t even set up a bank account without her

WESTSIDE

5y

@op Any mortgage lender encouraging your mother to use your credit to close a mortgage then refinance after a year when her credit score is 480 is on some shady s***. They know she isn’t likely to be able to maintain the payments in the long run.

Without a sizable down payment, her monthly payments are going to be high. They will also make her pay for mortgage insurance on top of her monthly payments. This is just a really bad idea. I know it’s your mother, but you need to say no. Doesn’t matter how she or anyone in her ear takes it.

flizzy

5y

Then rent an apartment for her until she figures it out. Cheaper than a house.

Tyler1999

5y

And I thought my dad was a d*** for putting the cable bill in my name

CLB PRADA

5y

Okay jokes aside - how are you getting approved for a 300k house just based on good credit score? No bank in the right mind would give a high schooler that clearance. Do you have like a f*** ton of money saved up?

Good credit is not hard at all, it’s having good credit when you’re spending a lot & paying back that same amount in a timely manner.

I’m calling cap until further notice

GhostDeini718

5y

I mean if he’s responsible and pays on time that will only benefit your credit.

CLB PRADA

5y

Okay jokes aside - how are you getting approved for a 300k house just based on good credit score? No bank in the right mind would give a high schooler that clearance. Do you have like a f*** ton of money saved up?

Good credit is not hard at all, it’s having good credit when you’re spending a lot & paying back that same amount in a timely manner.

I’m calling cap until further notice

Tyler1999

5y

Yeah I moved out at 18, after he passed and they hit me with a $400 debt he was not responsible

red eagle

5y

hahahaha get f***ed OP

I'll give you a couple bucks if I see ya on the street

Oak

5y

I don’t even want to be home anymore. She doesn’t care about the logistics. She’s thinking about how big her room can be and which furniture to buy. A down payment is her last worry. The mortgage lender is going to call back tomorrow with another estimate too. There’s no escaping this s*** f***

CLB PRADA

5y

Okay jokes aside - how are you getting approved for a 300k house just based on good credit score? No bank in the right mind would give a high schooler that clearance. Do you have like a f*** ton of money saved up?

Good credit is not hard at all, it’s having good credit when you’re spending a lot & paying back that same amount in a timely manner.

I’m calling cap until further notice

AR15

5y

You not getting the loan without showing the down payment in your bank account

Are you co signing for your mother or are you going to be the main borrower on the loan? No way you get approved to be main borrower working part time.