Hello!!

I plan to have my surgery done in Mexico through A Lighter Me on February 28th.

Last week I decided to apply for a loan through Citerra. I put my boyfriend as first signer. He makes 45k /year. I also work but it's only a part time. So I don't make that much. We asked for 6000 (4300 surgery plus flights and money to take to Mexico in case of an emergency)

Gen, the person who is helping us with the loan contacted us the next day after applying. She asked us for boyfriends paycheck stub, and mine. She said she could only get us 5300. (Boyfriend did not like this because he has a good credit and pay on time) I said it was ok. We sent her the documents. She was being so positive, saying that everything looked great... etc. Today she called us and told us that she can only get us 3,000 something dollars. I asked her what happened she said something about the debt income ratio

I said " look my boyfriend works, I work and I also have my mother who makes 2000 monthly and is going to help me too."

She somehow thought that I wasn't working... or was lying to her because she asked me again about a recent paycheck stub. (I sent her my w2 form) Then she asked me to send her a proof of my boyfriends address.

I told her that it was ok if she could get me the 3000sh because I already had pay the surgery down payment (500) out of my pocket and that I only needed 3800... she didn't seem to understand, and told me not to worry because she was going to try to get me more money. Even when I insisted it was ok. Because I used my savings for the down and now for the flight tickets (since I will go alone it will be less money to spend and I wont need a lot of money)

I sent her my boyfriend bank statement as an address proof and also let her know once again that it was OK. That I didn't need the money I requested because I've had already paid 500... I also let her know that I couldn't wait for them to lend the money because my surgery date is coming.

What should I expect?

Any thoughts will be helpful.

I just hated that she would say or ask for something different every time she calls me or email me.

@@JennG25 Hey man, no judgment here! I completely understand what it is like to be in the situation you are! If I would not have had the $$ in savings, I probably would have done the same thing. It sucks, but you do you! Just make sure to pay your loan on time, pay big chunks off with things like income taxes or other big checks and get healthy![/

Thank you! You are very helpful. Any travel / hotel / hospital suggestions?

I had to stay overnight in San Diego because I got in so late. The Holiday Inn Express (San Diego Airport) location was very nice for the price- cheap, too! A Lighter Me also picked me up there in the morning, which was nice! Other than that, once I was picked up, it was easy as pie. They plan everything for ya and all you need to do is show up

Do bring small bills, like $1 and $5 and some $10s for tipping. Maybe $40 in 10's, $40 in 5's and $20 in 1's to give out to the bellhops, room service, etc.

Ciao!