"You are pre-approved..."

[beckstra]

So, I'm house-hunting w/mom and dad. I went to my bank today and with my credit and whatnot, they approved me for $85,000.

We've been looking...and we've been finding lovely, lovely places that are very realistic for us.

How she did it:

a. I got pre-approved for just me, no barring of parents on the loan, no co-signer.

b. I own more of my car now than my bank does and have never been late for a payment. It's the only "real debt" I have right now. Something around $5000.

c. I have a 4 credit cards, 2 at a balance of 0.00, one that will be paid off next month, and my target visa that I keep well under the limit. I always pay more than the minimum and have never been late on any of those either.

d. I just got a raise and a promotion at work and am about to get another raise in January. I've been at my current job for about 2 & 1/2 years now and have no plans of leaving (and no, the desire to leave doesn't count).

and probably the kicker:

e. My dad and I have a joint banking account that we've used to pay the rent and utilities for the last 6 months on time, every time.

Basically I've always understood it to be God's promise that when you're faithful with little, he'll give you charge over a little more. Granted, I lived with my folks and haven't had to pay much rent over the last couple years, but I've been very responsible with what I have.

Oh, and the folks will be living with me. It just makes more sense for now.

Feel free to do the celabratory pelvic thrust with me. Woo!