Friday, April 20, 2007

Real Estate Hell - I'm in it!

I'm going to tell you a story that you simply won't believe, but it is true.

I am in Real Estate Hell, and it's no fun, let me tell you. I don't know the rules and regulations about falling into the pit. I don't know what 'sin' I committed, or wasn't forgiven for - I don't even understand why this is happening to me, but it is.

March 2003 - I got kicked out a house I was going to buy because I decided to take Faith into my house and keep her. The owner decided he didn't want dogs in his house. I reminded him I was buying it. He reminded me I was lease/purchasing it, and until it was purchased he didn't want dogs in his house. I was forced to move. But he gave me a week. There's no way I was going to stop loving Faith (and besides, we had Matrix - something he wasn't aware of.) just because he's an ass.

It just so happened that my ex had to move out of the house we bought when we were married. Great! I moved into it, he moved out, and all was well. Until the morning the sheriff came and informed me that my ex had listed the house in a bankruptcy, and it was being sold in 72 hours. What a nice man....not talking about the sheriff. The father of my girls - he could have at least mentioned this fact before we moved in. We went to an apartment and immediately looked for a house to move into.

March 2005. I found a great little house - the owners were willing to do an early tenancy for me and the kids, and the dogs! We waited for closing, but it never happened. 1 month, 2 months, 3 don't pay rent while you're waiting to close under these circumstances, so I called to find out what was going on. The house had been sold! BUT NOT TO ME! I was again forced by the sheriff to leave, but this time I had a bit of a standing in court. The good judge gave me 10 days to find a place. Oh, how sweet of her! Why was it allowed to be sold after I bought it? Simple answer, the person I bought it from DID NOT OWN IT!

June 2005. I moved to a condo in a little village of condos - each as cute as the other, very small yards, but with great amenities. Leasing to purchase again as the owner wanted a 20% downpayment to sell for the right price. I had to save. Within 90 days she and her husband had broken up, and guess what was being sold out from under ME in order to fulfill THEIR divorce settlement! MY HOUSE. I had no standing whatsoever, and the judge forced me out in 48 hours this time.'d think I'd learn. But without 20% down you really don't have much of a chance in Oklahoma at getting a mortgage.

September 2005. My parents had a place on their farm that we could live in, but it's literally 26 miles from town. We did this, and we saved, and we worked, and we tried hard to make the 20% for the next place. It finally happened. June 2006 I put $21,000 down on a little 2 bedroom, 2 bathroom, 2 car garage condo in a perfect little neighborhood in a perfect little city called Edmond. I lived there under another lease/purchase because the mortgage companies didn't like the fact that I was not returning to work at the same school I had been teaching for and since teachers are NEVER guaranteed a position in Oklahoma, they chose NOT to give me the loan. The landlord needed to sell, and he had used MY money to put down on HIS new place.

I paid my rent to the man, but he paid his new rent with it. Seriously. He paid HIS rent with it, and there you go. I was asked by the mortgage company to leave in late Ocotober 2006. AGAIN...48 hours to leave. The tenant/landlord act is a joke in this county. Immediately we set out looking for a place to get. There was no way of purchasing because I lost my money, and NO, I can't get it back. I've tried, it's not happening. The man has nothing to tax, nothing to retrieve, nothing I can put a lien on. Such is life sometimes and you really just have to suck it up.....and cry your eyes out, but nevertheless -

OK, so I have been leasing this house, a great 3 bedroom, 2 bath, 2 car garage house in the same perfect city, and it has everything we need and want. We want to buy it...but wait...we can't. (Do you get the idea that something like a big, fat, ugly, black, cloud is hanging over my head? It's not...I just have to figure out what the hell is going on with me and Oklahoma! It may be time to leave.) We can't buy this place for the same reason we couldn't buy the last one. No permanent position - being an author is NOT good enough for anyone in the mortgage business. It doesn't matter what you earn, if you don't have 20% down, forget it. (and I don't have 20% to put down)

So, after the book advance that was expected in March didn't arrive in March, and it didn't arrive in April, and it looks like the middle of May before it may actually get here - the landlord has decided to kick us out. No excuses he says, no whining, no argument, no begging please, that only makes him feel like we're desparate and he thinks less of us. He said so...damn. So, I'm out on my keister again - this time in a much more sinister way than before, because this time it is my least I have that to comfort me.

The girls will live with their aunt. I got her in the divorce. She's MY sister now! Hahahaha....and I'll live with my crazy friend Andrea who, like me, is a teacher - but she's employed. She's a children's book author too, and it will give us an opportunity to work on her books and getting her published...but still....can I catch a break please? Maybe I need to leave the state, maybe I need to work on the great escape now rather than waiting for Caity to turn 17. Chicago seems expensive yes, but (and I say this nearly 10 times a day ) WHEN THE MONEY COMES IN...I'll be able to afford it.

I want to buy something people! I want to settle down! Whats happening to me is the weirdiest, strangest, oddest, most unusual chain of events...but it is happening, and no matter who you tell, they look at you like you're nuts. OK-I'll accept that, but it's still very much happening! Can someone please stop the world - I'd like to get off and rest a little while before coming home. (HOME? What's that?)

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