Bad Credit But You Want a Home
If you can afford to purchase a home within your budget, that makes sense. But if you wreck your budget just to get into a home, that makes no sense at all. The compulsion Americans have for buying large, expensive homes is just a reflection of poor stewardship in general. Most couples would be far better off saving for a down payment of at least 20 percent and buying a smaller, less expensive home initially. Certainly the purchase of a home for a young couple should never be determined on the basis of their combined incomes, for if one income fails (for example, if the wife becomes pregnant and she has to stay home with the child), the entire’purchase will be in jeopardy. That violates the principle of good planning, according to Proverbs 22:3: “The prudent sees the evil and hides himself, but the naive go on, and are punished for it.”
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Too often Christians limit their faith in God only to the unseen things such as salvation and good health. But I happen to believe that God manifests Himself in material ways to those who trust Him. Let me make it very clear that I am not talking about a health and prosperity gospel. As Job said earlier, and the apostle Paul reiterated in Romans 11:34-35, “For who has known the mind of the Lord, or who became His counselor? Or who has first given to Him that it might be paid back to Him again?” I believe the decision to help individuals with their finances is the Lord’s. But I do believe God wants to support strongly those who love and trust Him, just as a parent does a loving and obedient child. After all, that is what the Lord told us in Matthew 7:11: “If you then, being evil, know how to give good gifts to your children, how much more shall your Father who is in heaven give what is good to those who ask Him!”
I recall a practical example of this principle in a couple I counseled. Andy and Bea did what most young couples do within the first five years of their marriage: they bought a home based on two incomes, and even then it stretched their budget. Bea got pregnant and was unable to work regularly, so they fell steadily behind on their bills. Within a few months she was juggling payments based on which creditor was threatening legal action. The stress on Bea threatened her pregnancy and made her even more miserable. The doctor feared she might lose the baby and ordered her to bed for complete rest. But the problems didn’t ease–they intensified because of the greater financial drain.
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