Fuuuuuuck.

T

The Road goes ever on

New member
Why wait till the first of the year to job hunt? Seems like, if nothing else, now would be a perfect time to get some type of cheesy-ass retail position during the holidays to earn some extra $$$$
 
Because 3D and I already have reservations in Mississippi to be with family. Yeah, the holidays can be a really good time to work, but most of the jobs are only temporary. I'm looking for long term type jobs. Otherwise, I'm doing other odd jobs for payment. I've got one coming up after Thanksgiving which basically entails me cleaning a house and decorating it for Christmas.
 
I knew it would be temporary.. but thats what I thought you wanted while you were waiting for the counselor position to hopefuly open up.

Anyhoo, if you can get to Boise in the next couple of weeks, I could use some help with the Christmas lights!
 
I don't know how long I'm going to be waiting at this point in time. I have a guaranteed position there, but when it opens up is the kicker. So blah.

But yeah. And I can't get to Idaho. I already need new tires before the MS trip! lol
 
My hubby bought a VA repo house that needed some work when he was 20 years old and fresh out of college with no credit. They didn't even check to be honest with you. We just assumed the loan after we (he, I say we because it was a mutual decision as we were engaged and the house was ours) won the bid. We had to pay like $500 total at closing and that was it.

There are federal sites you can use to find repo's in your area but I'd find a realtor who advertises that they specialize in it because they will know the fastest and best way to win the bid and even advise how much is too much. It's an option you might look into.

Also, if all else fails look to rent from an individual, they won't typically do credit checks and are easier to talk into allowing animals. They're also cheaper usually and there is more yard for animals. Good luck you two!
 
UPDATE:

So, we got denied the loan, and decided on apartment living to get our rental history up, plus get our credit up to where it needs to be. We do well on our bills, etc, so this shouldn't be a problem.

We found the perfect apartment. It's just the right size, it looks great, the neighborhood is nice enough, and it's close enough to school, shopping, grocery stores, and possible job opportunities for me in the new year.

We put in the applications yesterday afternoon, and they gave us a call this afternoon. We pretty much passed with flying colors to be able to get the apartment, except for ONE MINOR PROBLEM:

3D's old history came back to haunt us again. However, it's not really his fault. When he was processed out of the military, he was rushed, and he didn't even collect his final paycheck from the military, but left it with the intention of it going to the housing authority. Apparently, it never got to them, though, and it's either lost in limbo somewhere, or someone else picked it up for their own pleasure.

Moving on - He owes the housing authority on base a little bit of money, and he got declined to be put on the lease. I would be able to be put on the lease if I had more income. Basically, they need his income, and my credit history.

Blargh.

We're working on getting this settled by Friday though. I really hope so, because a 6x12 room is starting to make me feel claustrophobic.
 
Again, when my hubby bought the repo there was no credit check. We simply assumed the loan, then it was bought by another financing company (Countrywide) whom we then began to deal with. If the apartment thing doesn't work out, I'd seriously try that. Hell, I'd have tried it before dealing with apartments. It's not usually easy and there are always repairs that you would have to cover but to me it was worth the freedom and it was a very quick credit repair. Nothing boosts your credit like owning a home.

Whatever you decide, I hope it works out for you two. :)
 
I had asked about repo'd homes, but I'm not getting much information about them. Any idea about where I would look for that kind of thing?

Update on the apartment though - We put down 200 dollars and started a payment agreement with the company from Ft. Lewis. We have a statement to give to the apartments, along with proof of payment, so that should take care of things. In a way, the renting might be better for both of us, considering our credit scores are currently below the minimum for anything considerable, and we're limited on funds until January anyway (when I start my new job). Not to mention that this apartment community has its perks - close to campus, close to shopping, close to my job, etc.

I will want to look into that though, considering that we will eventually be looking for a house.
 
Honestly, surf the web. We bought the repo before the internet was really a sales tool. The guy here advertises all over though, specifically the local paper. He was with a larger realtor company and he stressed that he specialized in repo's and foreclosures.

Now, the local paper there should have a legal section where it will list foreclosed homes as well and auction dates. Check there and maybe call someone there to see how to go about putting in bids. You might ask about the credit check though because many of those homes are not VA repos so I don't know if that was specific to the VA or not.
 
It's just most of the homes that I have seen are well over 10k in initial bid price on foreclosures, and that's well out of our price range, considering that they usually want cash in hand. I have yet to find a cheapo foreclosure so far out of the ones that I have found.
 
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