I recently applied for a home loan through CMH and Vanderbuilt Mortagage. I was denied. ?
Vanderbilt Mortgages Compnay. They sent me a copy of what looks like to be my Experian Report, but is not. On the credit report they sent me, it stated that I have one bankruptcy and that my husband has two on his credit report. After becoming furious about this this, I went to www.experian.com and pull my and my husband’s credit file and just like I thought, there we no bankruptcies. We have never never filed bankruptcy.
On the copy of the report that dealer sent to us, provided us with a wrong, telephone number and address to call Experian. What should I do! Ready for a new home!
My wife and I moved into a home in North Carolina, signed a rental agreement for a 1 year lease with first months rent($ 500), deposit($ 500), and began paying rent immediately making me 1 month ahead on rent to date. The landlord has the home we are living in mortgaged unto him and he and his wife are living in a home owned by one of his family members with some type of rental agreement between family. He came to me today and said that they cannot afford to live in the home they are in now because of his wife’s job loss and told me I have 30 days to find another residence so they can move back in due to their financial problems with the house they are in(renting) now. When we initially moved in we had a signed rental agreement and an oral agreement giving us the option to purchase the home at any time during the lease by having the loan signed over to us by Vanderbilt Homes. We don’t feel as though this is fair, we don’t want to leave, and we had all intentions of purchasing the house. I had no notice of this situation and have since spent our tax money on toys for our kids, paying up bills, etc. We could have used the $ 7000 to just buy the house if we knew this was going to happen?!! What should we do? I have read NC laws and most pertain to eviction pertaining to unpaid rent, damages, etc. but this situation does not fall into any of these categories. What are my rights and what do you think I should do? Thanks for any help.