Not so excitng......

On January 6 after inquiring about the status of our account for a few days from our NACA mortgage counselor, we learned that they deemed us not ready for homeownership. How could this be? How could this happen? When I read that email, my heat dropped and I felt awful. My whole world came crumbling down around me. All the work I had done and the time that I had spent on this was now amounting to nothing. My stress level was so high that I could not keep up with daily life. I was getting bad headaches and was having a really hard time sleeping at night. All I could think about was NACA and what I could do to change their minds. Then I made a decision. A decision that would change our entire attitude again. I was giving this to God. He is far more powerful than I am and can fully handle the strains and stress. However, at the same time I realized that I could either give up, like many NACA candidates do, or I could stand back u, brush myself off and keep fighting this battle. I'm assuming you know the road that I chose. I did not work this hard and come this far for nothing and I was going to make sure that I was not stopping at nothing.

So, what kept us from moving our file forward to underwriting at this time? The tax lein still needed to be taken care of, which we knew about. I needed a voter registration card (was never told that), it was still showing that our debt had not been paid off and we needed upated payment history from our alternative lines of credit. Ugghh. It appeared that none of the documents we had given our mortgage counselor were updated. After several emails and many misunderstandings, Donald and I have decided to transfer our file to the NACA office in Charlotte, NC. We're hoping to make more progress here. NACA is going to make us homeowners!