-roof has been caving for some time, applied for mortgage with different bank than wells fargo (they helped someone behind me first and left me to wait for the bilingual teller, who of cause started speaking Spanish to me. I told someone at regional that I thought that behavior was unprofessional and told them "My name's Hennessey, so there is no clue that I can't speak the language by my name, I was judged on solely on appearance" and now they treat me like shit when I go there. I was just pissed that they helped the other guy before me)
-got a much lower appraisal than anticipated, but what can I expect with a caving in roof? don't know how much that cost. later found out they compared that to a house my size a block over that had recently sold. it was a drug house.
-my parents gave me this house without an abstract. none on file with the local companies so they had to draw one from scratch $1075
-they are questioning my ownership of the property because there is no record of my mom's death ( I have a copy of her death certificate, that should fix it!)
-now the lawyers are charging me another $75 to draw up an affidavit that my mother's estate was worth less than one million, because then I would owe taxes and I would need like her husband ( my step-father is in the Philippines, married to my mother's sister and has Alzheimer's. haven't spoke to him since '01. not an option) or her lawyer that drew up her will ( another charge! and I don't think he's practicing anymore) to sign it
-shit, I just want a new roof. and a water heater. and a toilet that flushes properly.
-the tax records show that I owe for the paving of the street, which I don't. more phone calls
-another piece of paper from the lawyers (another $75) to add my husband to the deed.
this has by far the most expensive loan -- ever! we signed the paperwork today. I caught a woman out in the street taking pictures from her zoom lens in her van. I so hope she was taking a pic of that spectacular hibiscus in my neighbor's yard. The last time someone was taking picture of my home it was used to present to city council to apply for a blighted neighborhood grant. That was before my roof looked like crap, so that's really quite humiliating.
-got a much lower appraisal than anticipated, but what can I expect with a caving in roof? don't know how much that cost. later found out they compared that to a house my size a block over that had recently sold. it was a drug house.
-my parents gave me this house without an abstract. none on file with the local companies so they had to draw one from scratch $1075
-they are questioning my ownership of the property because there is no record of my mom's death ( I have a copy of her death certificate, that should fix it!)
-now the lawyers are charging me another $75 to draw up an affidavit that my mother's estate was worth less than one million, because then I would owe taxes and I would need like her husband ( my step-father is in the Philippines, married to my mother's sister and has Alzheimer's. haven't spoke to him since '01. not an option) or her lawyer that drew up her will ( another charge! and I don't think he's practicing anymore) to sign it
-shit, I just want a new roof. and a water heater. and a toilet that flushes properly.
-the tax records show that I owe for the paving of the street, which I don't. more phone calls
-another piece of paper from the lawyers (another $75) to add my husband to the deed.
this has by far the most expensive loan -- ever! we signed the paperwork today. I caught a woman out in the street taking pictures from her zoom lens in her van. I so hope she was taking a pic of that spectacular hibiscus in my neighbor's yard. The last time someone was taking picture of my home it was used to present to city council to apply for a blighted neighborhood grant. That was before my roof looked like crap, so that's really quite humiliating.
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