the hail mary
Paying my mortgage isn't the hard part folks—it is getting in the door in the first place. The realtor is moving forward as if all is perfect. The contract is on the way to the lawyer, the home inspection is getting set up, and the broker is frantically hunting down a mortgage with the USDA. But here in lies the drama. My credit score is seven points below the number the Lender wants to finance my loan. Seven measly points.
So, In a last ditch effort to try and raise my score, I took all my (non-house-buying allotted) savings and paid down my last credit card this morning in hopes it will report to the credit bureaus in time for the home loan to go though.
If I do not qualify for the USDA mortgage, it means I need to go through the FHA program. This is good and bad. It means I may still get a fixed rate mortgage and get the farm, but I would need that 3.5 percent down. I have that saved, but it's all I have saved. I was planning on using that money to cover the home inspections, closing costs, and all the other things you need to take care of when moving in. Things like U-Hauls and updating the outbuildings. If is use it to pay for the house, which I can, it leaves me high and dry. You get the jist.
It may very well come down to how much I can dish out. I am within a wolf's breath of this farm, friends. I can taste that Jackson Dirt. I don't want to lose out on the perfect home right when I need it because of seven points.
With all that said (taking a deep breath) if you are motivated to help. Here are some things you can do.
1. If you live nearby, and can help set up the new fences, move the sheep shed on the back of your trailer, help take down CAF VT, or lend a hand with boxes. Let me know.
2. If you want to sign up for the fiddle workshop the weekend after President's Day, please do. I only have two so far. It is a hundred dollar donation for four hours of instruction, materials, and an amazing first step in becoming a mountain fiddler. You just need to bring the violin.
3. Buy something off the Etsy Shop (though the wait may be a few weeks or until all this dust settles)
4. Order a watercolor (though the wait may be a few weeks or until all this dust settles)
5. If you own a business that caters to the homesteading community, consider advertising here. Email me for rates.
6. Or, if you are so motivated, just put one dollar in the donation jar. If each reader does that, I am home free.
I don't mean to sound selfish, crass, or rude. I am just trying to pull off some sort of Hail Mary at this point. I may get some mean emails for this post. In fact, I'm certain I will. But in the long run, owning my own farm wins over pride. A home for my flock, geese, chickens, Finn, and bees on the way is too important to worry about public perception. Farm > me. For those of you reading, know you're at the climax of this story. Let's try and change the ending together?