I purchased my mobile home in I was told that it was asked what payment could I afford. I explained to the sales person that I just started working so my payments needed to saty at 450.00 to 550.00 including insurance. When the sales man call the company they assured him that it would stay in that range.
I also told them that my payments need to be on the 15th of each month. They assured me that it would be. When we discused the down payment it started at 1500.00. I then payed the down payment and left for them to finish the paperwork. When I came back the next day they wanted 500.00 more, I payed it. I was told it was because of my credit score of 500. I was ok with that, but when I went to pick up the keys they wanted 1000.00 more.
They said the mortage was more than they had predicted. Like a fool I paid the 1000.00 as requested by the leander. Now I'm no dummy but at this time I was moving from another mobile home that I was renting. Of course I wanted a home of my own to raise my four kids. I guess this was the catch, a single mother with four kids"desperate".
The home was so beautiful at this point I really didn't care about the down payment. Before it was over I paid another 500.00 for set up fees that. Ilater found out that was to be included. When your not in the business you get burned by the business. I was then told to sign the contract. Yes! It was blank. I was told i had to waite until the finance officer oked the sale. The next thing I Knew was that i had purchased the at 17% interest for 30years @250.000. I have owned this home for 6 years and not one dollar has been applied to the Principal. I pay 835.00 A month.
When I spoke with the manager they refused to speak with me. I spoke with a customer service rep. I have to admit she was the only person willing to help me. I will not deal with anyone else, burt I'm stuck in a bad situation.
I have since got married and purchased a new block home through the VA home mortage lender. My mortage rate 6%, hope you get the picture. My husband has 33 years military and still enlisted today. We still pay the mortage, but I'm looking for a tentant. I know God will shine some light on my situation and change the way business people think. One world one God.
Thank you for giving me the operitunity to voice my problems. Don't be ashame be responsible.
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