If this whole thing is a troll...

Classic

The mortgage lender told my mother he could “definitely” work something out. He will call back tomorrow with a final estimate but he sounded VERY confident and excited. I was under the impression that I wouldn’t be approved for anything working part time. Which raises more questions than anything. Whole s*** is sus

Your mom talking to an Indian scammer

It’s not I’ll show you

Hard inquiry made my credit drop -3 points

Sue her

you don't need to persuade her to change her mind about buying a house. you just gotta say no to her/freeze your credit or call the mortgage monkey yourself and say that you aint havin this s***

Stop her now or Sue her my g.

Don't ruin your life over this. She'll get over it once it's settled, but if you let it go through, it'll be on your record for a long ass time.

Why cant you move out?

So stupid how things like that even drop your score

I’ve started searching for apartments for myself. I’ll do whatever it takes to protect my credit. And I’m going to wait for the lender to call back tomorrow before I talk with her about my disinterest in this idea. Surely he can’t approve me for 300,000 so at this point I’m waiting for tomorrow.

I know….I hadn’t received a hard inquiry in a very long time.

Not to be a d***head, even tho it may sound like it, but you have to be more confident.

Either you do it or you dont. Your answer will determine how well the convo with your fam and the lender will go

If you sound hesitant or unsure they will smell it and harass you like a motherfucker. Its happened to me i guarantee it will happen to you

Whatever goes, be confident and up front. No soft words, but dont be harsh. Its as simple as i have things in my life that will be jeopardized by this, and i want a safer option (apartment, townhouse, section 8?)

I doubt you’ll actually get approved. Good credit alone isnt enough to secure a house that expensive, especially for a damn high schooler

I agree with you… I messed up by letting it get this far. I am going to tell my mother I just can’t do a house and whatever happens happens. At this point I can’t worry anymore. Im not used to being stressed like this…

I just can’t believe so many people around my mother is co-signing this idea like wtf. Makes me look at these people different.

In

I’m 20 but I agree. I’m waiting to see how much the lender will be able to approve. Theres just no way he can do 300,000. I just don’t understand why he sounded so excited and got my mom so pumped up. I guess we’ll see tomorrow.!

I feel like I’m going through a midlife crisis at 20 years old.

Yo chill bro

Real s*** just tell her to kick rocks man. No mother who cares about her sons well being would put their son in a financial hole like this especially going into college. The whole “pay it for _ months/years and then refinance” is bank bs. You will end up basically paying for interest for the f*** of it because when you refinance you may get a lower payment but you start over.

Goto college. F*** some hoes (male or female) and tell her to get an apartment

I hear you brother.

I dont know youre sitch like that, but being family is NOT a guarantee for being a good person or having your best interests at heart. They see a ticket out into something good, nothing more.

Dont blame yourself so harshly. Yes you f***ed up, but youre also 20. These are supposed to be your people, and they failed you harder.

Set the record, say youll do whatever it takes to help that doesnt involve ruining my future. Dont compromise, dont let their emotions get the better of you.

Time will move on regardless, and you can either be “hated” and secure, or “loved” and with little to no options to move up in life

we need an update

never miss a payment but more importantly never use more than 30% of ur limit

I don’t know anything about the legality of this but you should get a lawyer