Money problems..stressed to the max 😖

Not sure where to post this, but I just need to vent. This is gonna be a long one. We moved into this house (2 bedroom 1 bath mobile home) October 2017. I just hate it here. The heat is weird. Like it doesn't have a furnace, but it has baseboards in each room and a thermostat knob in each room as well. The knob in the kitchen is completely broken off so we have to control that heat with the breaker box and my son's room doesn't even have heat so he's always been in our room (he's 1). If you put anything on or near the baseboards, you'll start a fire very quickly. The oven is from the 1970s and broken so we use a conventional oven. Same with the dryer. You have to do 2-3 cycles before your clothes are done drying. (Thank god it's almost summer so I can hang the clothes out). The landlord hasn't replaced them. The landlord was supposed to fix the pipes LAST summer and here we are almost a year later and not even a word about it. The pipes had an overlfow so the previous owner stuck socks up there for a "temporary fix". Landlords never fixed it. The screen on the screen door fell off and I noticed the previous owner "fixed" it by breaking a wooden clothes hanger, for a clothesline, in half and wedging it in there to hold the screen in place. The bathroom ceiling vent thing is completely missing and covered in what looks like a heavy duty tinfoil. It's FREEZING in there. Before we moved in, the landlord promised to fix all of these issues. And on top of it all, our electric company is currently in a lawsuit for a shit ton of reasons: not sending out bills on time and then disconnecting people when they didn't pay the bill, overcharging like crazy, ignoring customer complaints, lying about their fuck-ups, shutting people off randomly, just a lot of stuff. (Pretty sure they're gonna win the lawsuit btw. Money SERIOUSLY talks). When I moved in, my electric bill was $50/month. I expected it to go up 100-150 in the winter because it is electric heat after all. What is it now you may ask? It's been over $500/month for almost two years now INCLUDING summertime when the house is typically off. I haven't paid it in a few months because I can't afford $500 every 30 days ON TOP of everything else like rent, water, and alllll the other bills. Our car has been broken down for months (until next week. Thank god.) so hubby drives his truck...which is also breaking. But we can't all fit in there anyways because it's a Ford Ranger. We've been having money problems since January so I've been pretty much stuck home all winter long with the car being broken. Not that I have a license anyway 🙄 We have enough money now, but with the electric bill and this shitty house, we have to find a new home. Plus I'm pregnant and this place is wayyy too small. Which brings me to my next stressor...

Not only do we WANT to move, we HAVE to move. Our lease runs up in June and if we don't find a place by then, we have to re-sign for another entire year. I've looked and looked all over, but I haven't found any houses for rent in the right area and an apartment just isn't big enough. We have dogs as well so that's another reason apartments are a no-go. So we figured maybe we could look into buying instead of renting. There's this thing called a 502 Single Family Guaranteed Loan Program and we're financially eligible for it, but I don't have any credit and neither does hubby. This particular loan (or so I've heard) is okay with having some screw-ups on your credit, but since I have no credit at all does that completely destroy my chances? Is no credit better than bad credit? I have to go to a mortgage lender about it, but I don't even know what to say. I'm ignorant when it comes to this stuff and I feel like they're gonna look at me like I'm a moron for even trying without having credit. I have severe anxiety and this puts it through the roof. Definitely NOT something they teach you in school. If I can't get this loan then what am I going to do? Sign for another year and end up back in the hole financially? Just keep looking for a new place to rent? And for how long? I'm running out of time. And on top of all that, I'm a high risk pregnancy, have all of these hormones and just got taken off of my zoloft which I need for my ptsd, anxiety, pmdd, and depression. I have to fight so hard not to have episodes all the time, but in the end I can only fight it so much. So there's that too mixed into the bunch.

I don't know why I posted this, but I guess I just had to get it off my chest. Sorry it was so long. If you made it this far, you're a champ 🙌