Denied again

Ready for this?  I called the mortgage company to check in and see if they needed anything else.  I was told that they denied the application last week because the house is not owner occupied.  Say what?  I explained the trust what I should have said is the original borrowers remains are in the house – it is fucking owner occupied.  They did the “waterfall process” which means they looked at previous modification applications and right now they are telling me there is nothing that I qualify for. 

I am not happy.  I went off on the poor bastard that answered the phone and gave me this news.  I asked him if they wanted to be property owners.  He said no you have other options like a short sale.  I said I am trying to get a lower house payment not look for a new place to live.  He didn’t have much to say after that. 

So I updated the congressman, updated the attorney I had waiting in the wings and am letting both of them pounce on the mortgage company.  Time will tell if that does any good.

Meanwhile, I have called another place to obtain a loan on my own.  They are reviewing my credit report and will be in touch, probably tomorrow.  From what it sounds like w/o them having any information on me I should qualify.  Now, I am not holding my breath because I’ve been made a lot of promises but if this place comes through, okay by me.  I need to do something to get out from under the outrageous payment.

I have also decided to get a second opinion on my wrongful death case.  It won’t cost me anything.  I have called a law firm that is quick to settle rather than drawing out court proceedings.  So if I in fact have a case it can be settled hopefully quickly.  Honestly, I believe the first guy I talked to but this is just doing my due diligence.  It was kind of odd when I called they asked me if my partner was aware that I was calling on his behalf.  I said no because he is dead.  They too are supposed to call me back within 24 hours to gather more information and see if I have a case. 

I probably should be really upset but I am numb and really don’t feel anything.  I am not happy with the mortgage company's decision but I refuse to believe there isn’t a solution to this problem.  It’s just a matter of tracking it down. 

That’s all I have got.  Ready to go home, have a salad and a burrito – call it a day.  I will make a phone call to whine to a friend and that will be that.  Hopefully I don’t have any huge messes to clean up.  Very thankful that tomorrow is Friday.

Had a dream last night that my partner and I were out eating or doing something fun.  Then I woke up and realized it was only a dream.  If the only way I can see him is in my dreams, then I want to sleep forever.  I so miss him.  Sunday will be his birthday and that I think will be a very difficult day.

Adios for now.  Talk with you peeps later.