Here's the thing that made NOOOooooooooo "cents" to me on that scene Daddy-o.
When they were considering my application? HAD I (and this is NO JOKE) been a member of a local country club and paid dues, or had HOA fees, or paid ridiculous amounts for my clothing allowance, or had a ridiculous car payment or bought my groceries at the richest store in town and imported pickled Herring from Sweden and caviar from Alaska? THAT counts.
But let me get on the phone and tell them....no, no, no....I live the frugal life...I drive a 20 year old car, I shop at the G&W boutique, and the Salvation Army for my clothes, I clip coupons for groceries, and use fuel perks for gas, I walk around in pajamas and chop wood for home fuel, and buy retread tires....and on and on to show them Im trying to keep my home and that I've SOLD everything I USED to have to off-set my income?
WHAM.....SORRY YOU DO NOT QUALIFY for the re-modification home loan experience. And then....wanna know the real BTICH? I made too much money for public assistance. AND want one even better? My credit was TOO bad to qualify for refinancing.
ROFLM broke A off.
So -----I barely got in under the wire....because I lost 1 day a week on my job....from October to Feb.
and THAT gave them the okey doke to allow me to qualify.