I hope my mom didn't just cost me a mortgage...

Miscellaneous and Personal Stuff I Must Share
1

(Not vitriolic enough for the pit…)

I’ve moved back in with the folks in a hopefully not vain attempt to save some dough and buy a place of my own. (I’ve been out of the house for most of the previous 5 years.) I don’t have the world’s best credit rating, but I got a new car last year and had no problem getting under 3% financing. So I should be good, right? I know the credit system is a mess, but money is moving again right?

So I’ve applied for a mortgage with my credit union (or rather, a pre-approval). Thirty minutes of fill in this blank with that information (which, of course, I have to look up, because who in their right mind actually knows all that crap?) Current address (parents’ house), previous address: RI, current salary, blood type, handedness, hair color, eye color, spit color, chances of winning the lotto, etc, etc, et fucking cetera. I leave instructions for the bank to call on my cell-phone, not the home phone, but even if they call, it shouldn’t be a problem, right? (Hands up: Who can see where this is going?)

Yesterday, while I was working, the bank calls the oarents’ house. It was a random thing that mom was actually there during the day. The lady who was going to call me and tell me whether I could borrow more money than I’m worth asked if I was there. Well, she asked for Eric Vablurble-wurlbe as most folks do when they don’t know the family name. Plus, she didn’t say where she was calling from, she just asked for me. Assuming that this is a telemarketer, my mom tells her that I no longer live here.

:smack:
:smack::smack:
:smack::smack::smack::smack:
:smack::smack::smack::smack::smack::smack::smack::smack:
:smack::smack::smack::smack::smack::smack::smack::smack: :smack::smack::smack::smack::smack::smack::smack::smack:

AAAAAAAAAAAAAAAAAAAHHHHHHHHHHHHHHHHHH!!! breath AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHHHHHHHHHHHHHHHHHHHHHHHHH!!!

After I called the bank back today, I don’t know what’s going to happen, as I didn’t get to talk to the right person.

At least my mom didn’t tell her I was dead.

2

I think you should be okay, once you explain to your mortgage officer that your mom drinks heavily. :slight_smile: Seriously, if you have proof of address (like it’s on all of your id), I don’t see why they would deny you a mortgage over a misunderstanding. Fingers crossed!

3

How is this worthy of 30+ headsmacks but not the Pit? :dubious:

Anyhow, I’d just tell the bank that since they didn’t identify themselves, mom assumed it was a telemarketer and responded accordingly. Good luck!

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There’s a pattern in your headsmacks. Did you do that on purpose?

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Yup. :smiley:

Not enough cuss words. Can’t really blame my mom too much, so I don’t feel I can “flame” her. I almost never get calls on that line. Since I’ve been out of the house for so long prior to this, anyone who would need to call me, including work, has my cell number. So, just about anyone who calls the house actually os a telemarketer. Just really frustrating.

Heavy drinker might work. I was thinking “early stages of dementia” just to annoy mom. :smiley:

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I second the dementia excuse, because it creates a “teachable moment,” even though it’s a lie. I think the dementia excuse would make the person who called (since they didn’t follow your instructions) think a little bit and maybe follow instructions a little better next time.