I need to vent....

[KYLE THEEE SPINKS FAN]

I hate the fucking bank...I'm 90% likely going to be denied a home mortgage loan over a techincality. I have a credit score of 764, but I don't have three active lines of credit right now. Why does the bank punish me over minimizing my interest expense. Before I got pre-qualified (and knew about the 3 active line requirement), I paid off one of my smaller student loans. That meant I had an open credit card and one additional student loan. I didn't want to pay the extra interest, and the one student loan was a smaller amount, and I had the extra money, so I paid the damn thing off.

I didn't realize it would be one of the biggest mistakes I could make. My car has been paid off for awhile and I had nothing else to show on the credit report. So here I am, with more than enough money to afford a house with my job at PwC, a great credit score, and the bank denies me. Yet, the bank will give a loan to somebody with a shitty credit score and bend over backwards to set them up on some sort of plan.

Back in the day, my brother had to have basically everything paid off before the bank fucked with him for a mortgage. Now, they want at least three active lines of credit. I understand the bank wants to see payment history, and good faith payments. However, it's ridiculous that I should have to incur more debt just to get more debt. My mortgage guy at the bank tried to get an exception for me, but the VP of the underwriting company denied it.

There's my rant for the day...Maybe it'll get all worked out. I just can't believe I get punished for making sound financial decisions (saving money from my good job, starting a 401-K through my company, starting a roth IRA on my own, paying off debt to minimize interest expense, and not taking on more debt than I can handle). WTF???