Getting back on track. Too much going on. Got called in for a last-minute job on Friday. And on Friday, the bank said it doesn't want to grant us a loan. It isn't even that big of a loan by local standards (read: where we live is expensive anyway, so this is small potatoes).
I've been freelancing for at least half of my adult life and almost all of my entire Graphic Design career, always being able to pay the rent and my bills, on time all the time, resulting in an impressive credit score and an incredible credit rating.
But the other day I was told that essentially, "freelancing is not a real job." That the gaps that inevitably happen being employed this way is not an acceptable way to make an income, "blah, blah...not continuous employment...blah, blah" legal jargon.
I work almost all the time.
It doesn't seem to matter that I'm having a banner year or that I have always been able to get work on a fairly regular basis (except during the crash of 2008-09). Most of my work comes through temp agencies, so even though I've been registered with several agencies and between them all, I've been kept almost continuously employed, the bank still isn't believing it.
Are we circus animals?
We jumped through every hoop they asked us, to no avail. So now we're going through a broker, who seems much more willing to work with us. The bank didn't even ask us for our full net worth--all our assets, just what was in our basic checking and savings and how much we made last week.
Well, as I explained above, that varies. Some weeks I make a lot, some weeks I make a little, But the average is great. Hell! Do any of them know what "year to date" means on a pay stub? Geez. Wish us luck. We need all we can get. Thanks.
What lender woes have you been through? Please share in the comments below.
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