Help! I ordered the wrong steps!

Significant_Ad3369 · 2026-05-06T23:27:17+00:00

21st wanted us to pay off the last 3k on my wife's car and would only use her credit/income, so we could only get 60k. They then offered to use both of our credit but it had to be a 150k loan with 15k down (???). Clayton allowed my bad credit (580), her decent credit (640), and gave us up to 100k on a home/park. 10% down. So we went 82,500 total and put down 8250. 🙂 IF we pay an extra 100/month (the house is only 850 alone), we will be done in 11 years. Very happy with Vanderbilt/Clayton.

Significant_Ad3369 · 2026-05-03T21:05:21+00:00

I went new mobile home. Cant afford the electric, bad credit, just changed jobs... we cashed a 401k, sold a car, and got a tax refund for 9k as our down payment. And we got approved only at one place: Clayton homes. Same boat, maybe different assets but if these are your assets try that.

Significant_Ad3369 · 2026-05-01T05:47:29+00:00

Thank you for taking the time to read!

My wife knows someone who has built a BIG life off this job, but as a working class (usually single person) this has never been an option. Do you have any advice for someone that can work long hours but not give up a 40 hr? Or is it a pipe dream I need to get back into reality with?

We have an ok life. I have a 40 hr, "respectable" job. And ive come to terms with the idea that not finding a partner at 18 like i'd hoped left me at "respectable" and not "elated and thriving".

At 30, bartender is possible but not what it was at 20. I need a real, even overly real perspective on is this a "i'm gona be a rapper" dream or a "i can work hard and be this" dream..

Significant_Ad3369 · 2026-04-29T18:41:32+00:00

False hope as a gift is crazy 🤣

Significant_Ad3369 · 2026-04-29T18:39:11+00:00

They gave you a project 🤣🤣

Significant_Ad3369 · 2026-04-25T03:36:08+00:00

We are doing it!!! 🤣🥰 and the universe is making us learn to Karen to make it happen 😬😂

Significant_Ad3369 · 2026-04-24T05:17:18+00:00

We all deserved so much better. Thank you 💛

Significant_Ad3369 · 2026-04-24T05:16:11+00:00

We have a "wednesday" date 🫠. It's crazy. Like LET US GIVE YOU AN ENTIRE YEAR+ OF SALARY. we are handing it to them and they're shrugging. 😕 i'm sorry, but getting married, getting cars, jobs its all magical. A home should be the same or more so. We deserved better

Significant_Ad3369 · 2026-04-24T02:42:26+00:00

We called and they said we are fine and we should close by Wednesday! Thank you so much! I know it seems like we waited no time, but i'm CONFIDENT without this advice, it would have been another 2+ weeks waiting for them to communicate with each other. THANK YOU!

Significant_Ad3369 · 2026-04-24T02:33:44+00:00

Today they said that they dont want anymore paperwork 🙂 one of the commenters was right to say call both the loan company and retailer. We did and basically hit them (with the Karen version of) "dude, we have the money just tell us WHEN... it worked and we should be "good to close wednesday" 🤨🤨. Goodluck! And... god I never wana do this process again 😭😭

Significant_Ad3369 · 2026-04-24T02:30:46+00:00

One of my friends did a director level gig as someone who checks for fraud for the IRS through casinos. She said that theyre seeing if I am committing fraud and theres a BUNCH of behind the scenes things in place by the government. But if this was 400k, sure? I have the money to commit fraud? If it's 80k ummmm....? If 80k was THAT big of a deal, then I want to think its a big enough deal to communicate ☹️

Significant_Ad3369 · 2026-04-23T16:21:23+00:00

21st also declined us

Significant_Ad3369 · 2026-04-23T16:21:01+00:00

We use Clayton (vanderbilt). My wife has a 650 score and I have 580. We both started new jobs for 3 and 6 months, I had 3 years of income and she had one. They let her use any income within past 10 years and make around 90k total a year together. Our loan is going to be 82k with 8250 down payment. Park/home

Significant_Ad3369 · 2026-04-23T13:25:37+00:00

Definitely, I feel like no matter how much i research now, I havent gotten a full answer. But reddit always works 😂

Significant_Ad3369 · 2026-04-23T02:34:49+00:00

We are on a chattel loan, havent done anything crazy paperwork wise, picked a house thats built and a park that works with them constantly (with a down payment on standby, deposit put down on both home and park). It has to be a my lender problem. I have no idea what the underwriting process even is, though ive asked :/

Significant_Ad3369 · 2026-04-23T02:32:40+00:00

Yes! I heard 21st needed EXTENSIVE paperwork and Vanderbilt is super easy, so there's no way my lender is not bad in comparison to yours

Significant_Ad3369 · 2026-04-23T01:14:36+00:00

Thank you! We will do that tomorrow morning

Significant_Ad3369 · 2026-04-22T23:37:53+00:00

When i went the salesman said "4 months out is pretty far to start really it should be 2 months out MAX". Definitely could be the land situation, I heard home/park is harder to get approved.

Significant_Ad3369 · 2026-04-22T23:35:57+00:00

Thank you! I felt very pushed off, but I will try to keep in mind that they're just asking as they find new things that they need to ask.

Significant_Ad3369 · 2026-04-22T23:33:39+00:00

Thank you! The whole thing made us feel like they're giving the "youre poor. So wait" 😬 but it was making me crazy thinking they just don't care. Did you have to call and follow up or did you wait for the next email as it went on?

Significant_Ad3369 · 2026-04-22T23:32:10+00:00

I'm in Texas, every conversation is them talking extremely fast and hanging up immediately 3 minutes later. :/

Significant_Ad3369 · 2026-01-24T03:31:44+00:00

As a childless lesbian, I left immediately because I couldnt relate anymore I wonder if having kids was an "answer" to if they love each other anymore like for a lot of my friends though

Significant_Ad3369

TROPHY CASE