What Dream Homes May Come
I am an avid fan and reader of The Secret. Even so, I have a hard time keeping my thoughts always in the positive so as to attract what it is that I desire. Maybe it’s due to my history of depression, I don’t know. But I do find it difficult to keep that positive perspective going at all times.
Well, I’ve just had a major success and I’m so excited I want to share it with the entire world!
My story starts about 6 months ago as I began repairing my credit so that I could get approved for an FHA loan to purchase a house.
It seemed like every time I took a step forward, I’d be pushed two steps backward. I got my credit score where it needed to be, then my ex-husband let a house go into foreclosure, and that appeared on my credit report. If you don’t know about FHA loans, they will not approve you if you have a foreclosure on your report within the last 3 years. I disputed the foreclosure with the credit bureau and had to wait 30 days for their decision. Finally I received their decision and they granted my request and removed the foreclosure from my report.
Then my boyfriend got laid off, and the unemployment office messed up his benefits and he went about a month with no pay. In order to keep up on our bills and feed our kids, I had to max out my two credit cards, which wasn’t very hard because I have a very low credit allowance. That dropped my credit score back down, so I was back at square one again.
It took me a couple more months, but I finally got my credit score back to where it needed to be. And I was finally able to apply for my loan. In the meantime I had been working with a Realtor and happened to find the perfect house. Now I was ready to make an offer. I made an offer, they counter-offered with an acceptable offer. I felt I was well on my way.
Then my mortgage guy tells me that the underwriter denied my loan application. I was devastated. He told me that he was going to try with another lender, but my heart was shattered. I decided I wasn’t going to worry about it. And I wasn’t going to bother my mortgage guy about it. I figured he would contact me when he heard from the other lender.
I kept a positive attitude while trying not to get my hopes up. But I took some other steps to get it out into the Universe that this house was MINE. Everything I could find that had my current address on, that I wasn’t using for anything, I crossed off my current address and wrote in my new address. I completed a change of address form at work, but didn’t submit it. I even went so far as to complete and print out a change of address form for the Secretary of State. I put it in an envelope with my new return address and even affixed the stamp to mail it out with, but didn’t mail it yet. The address trick I had just done this week.
Well, today, I got into work around noon as I had taken a half day off in the morning, and there were three messages on my work phone. One of them was from my mortgage guy. He said he wanted to call me and let me know that the lender had APPROVED my loan! He still needed to get the official paperwork from the lender, but he wanted to let me know that it was APPROVED because he knew I had been worrying about it.
That’s my story. I’m going to be moving into the most perfect house for me. It’s no mansion, and it needs a little loving care here and there, but it is by far better than what we are in right now. I am so excited. And I wanted to share my story.
Take it from someone who has had a hard time manifesting the things she desires. This WORKS!!