Yep Phoenix and it happened to me. Closing went up by well over 1000 bucks 3 days before closing. At closing the loan docs were different by a fair margin including almost a full percent higher interest rate than initial docs. Additionally in order to make it fit at the higher rate the lender removed escrow meaning that suddenly I had the mortgage I agreed on except it would cost me a grand a more a year in taxes and insurance. I would have walked away on the spot but my landlord was kicking me out and I had already been in court 2x to stay there and one more month would have put me back in court, plus I would have been out the 500 I had already paid.

No it was all the borrowers fault because a 80k 1300 sq ft condo is just ridiculous on a 40k a year annual income. Yep I went way over my head I admit I was a young dad who really did not know anything so yes in a way I went in over my head, I just assumed that the people I was paying to look out for me would.

Ah well live and learn, don't trust bankers, lenders, realtors, lawyers (although I knew that).

Sniper,

I just gave an example of them taking advantage of people a pretty personal one, and yes I feel stupid but at the same time I was left with no choice when my landlord sold the place I was renting and the new owner sent an eviction notice the same day she closed on the place. Which happened to be the day before my sister-in-law died so on the same day her sister died my wife got an eviction notice and we got full custody of a new child. Have to say that was one of the worst days of my life. So with a family of now 5 I had 10 days to find a new house. Yes I chose badly when I financed this place but since it was well within my means it has not been a crisis but it has cut into my money pretty significantly especialy when my income dropped 3 months after buying it and I got Dx with MS a year later.

Once again I don't blame anyone life just hands you a big pile of shit some times, but to lay it all on the buyers heads is false too. I was lied to and because of my housing situation I had limited options.

Oh and Prag if you want to clean up someones mess you don't know you can send me some money :) You too sniper for that matter. If not I think I have it under control.

LOL,

Prag I will never turn down money or book lists!

The two go really well together in fact ;)

As far as the real issue unless you are a mortage broker or real estate broker or someone close to the industry it is very difficult to figure out and if it is your first house all but impossible. I did a ton of research and still got caught, granted I was stressed and rushing things but still I'm not exactly a moron myself.

Plus you were such a deadbeat you made your land lord take you to court TWICE? to get from you what you had already agreed to pay?!?!

No fuck head do you have reading comprehension issues? She gave me 10 day notice when she bought the property I took her to court to not be evicted before the end of the month which I had paid the previous landlord for. I won then at the end of the month I paid her for 1 more month and she said she didn't want it she wanted me out. I took her to court to stay that extra month to close on a house, sorry how many families of 5 have you evicted for no reason? Oh and she kept the security deposit despite the house being in good shape considering we had lived there 9 years.

--Sooo, you signed up for a bad long term commitment that cost you $1000 at that moment because you didn't want to lose the $500? WTF?

No the 500 was the least of the issues see above for the rest of the rush.

Calculator says you should be bringing home about $3000 per month and paying about $700, how is it you can't afford that?

You shoule be able to affort a mortgage that is 2X's your anual salary, unless you are eating out every day, and don't know how to cook a pot of beans to feed your family for a week on $10. MORON!

LEARN TO COOK PEOPLE!!! It doesn't cost that much to feed your family if you spend a little time and get a CLUE! There I go again, too much coffee this AM.

You try feeding a family of 5 on 10 bucks a week sorry even beans and rice cost more than that. We do it on 150 a week and that includes gas, I don't know the last time we ate out. As far as the 3k a month like I already said my income dropped 3mo. after buying the place and I got MS a year after that, any guess how much it costs to have MS even with health insurance?

Keep on being sanctimonius it will work well till your world colapses on you. Trust me on this you sound a lot like me a couple years ago.