We’ve been living in the same house for nearly 3 years. We have a beautiful 3 bedroom, 3 bath house. A large great room and an equally large dining room with a spacious kitchen. It’s on a large piece of corner property in very close proximity to my sons school.
I love my home. Loved it from the moment I saw it.
How we came to live here was really incredible. We were living in a substantially smaller house with a landlord who was an absolute monster. Hotband and I were kicking around the idea of moving out for awhile, but never had the funds to do so. One day, my husband was speaking to a friend of his who had recently moved from my hometown to Utah. He was griping that his house in our town was still vacant and how hard it was for him to manage two mortgages. Kidding around, my husband suggested that we move into his old house and pay the rent there…equivalent to what his mortgage payment was.
Imagine our surprise when he LOVED this idea! So, we moved into his home. Everyone is now happy. We have this enormous house in a great neighborhood. We are actually friends with our landlord! The mortgage is reasonable and we drew up papers to rent the house with the intent to eventually buy it from them.
Ideal situation. Worked beautifully…until today.
I get a knock on my front door. A young guy, maybe in his twenties, hands me some paperwork and informs me that my house, my beautiful home…is being foreclosed upon.
What? I mean…WHAT???
Apparently, my husbands “friend” went through a nasty divorce with his wife. Why? Because “friend” is a crack addict and she threw him out. Since the house is in HIS name, Mrs. Crack Addict happily took our rent checks and never mailed them into the mortgage company to further fuck with Mr. Crack Addict. Now, his credit is shot…which is what she wanted, and in the interim, we have gotten fucked as well. All our payments for the past six months have gone to whatever the fuck she used them for. She never told us that HE was now the owner of the home, so of course, we dutifully continued making our payment to her as we have every month for nearly three years.
Everyone has advised us NOT to make any more payments to Mrs. Crack Addict. That’s obvious. Surely I am not going to support her with OUR money. So, I am setting up an escrow account with an attorney come Monday to make our rent payments to. You know, so we are showing good faith.
Who we are showing this “good faith” to, however, is unbeknownst to me.
I have twenty days to let the bank know what our intentions are with regard to the house. Do we intend to buy it or are we moving?
Well, shit. If I had known that I was going to have to buy this house outright from the bank, I would have stopped paying that rent a long time ago and parlayed it into our own mortgage. We aren’t financially in a position to put a large downpayment on the house.
“Don’t worry,” people have said. “It takes anywhere from six months to a year for a foreclosure to go through. You can live there rent free in the meantime.”
Right. Sound advice coming from a bunch of morons. I am so sick of listening to everyone try to find a silver lining in this mess.
We were not prepared for this. Caught us completely off guard. Blind sided us. I wrote the following message to Mr. Crack Addict on Facebook:
You’re a real piece of work, (Insert Crack Addicts Name Here).
When exactly were you going to let us know that you were letting the house fall into foreclosure? We are going to be evicted out of here by the bank. We pay our rent religiously every month. Where has it been going, because it sure as hell hasn’t made it to the bank.
We have CHILDREN, (Insert name here). A family to take care of. How could you be so insensitive to another family who has only supported you and your ex wife in friendship and kindness? Tell me, how do you sleep at night???
I know it isn’t going to mean shit to him, but it made me feel better writing it. Moreover, I didn’t use the words “douchebag”, “asshat”, “cocksucker” or “crackhead ball sucking dickwad”.
I am proud of that.
Anyway, Mr. Crack Addict got my message on Facebook and called the hotband.
“Dude, I am SO sorry. I had nothing to do with this. This was all Mrs. Crack Addict. I trusted her to make the mortgage payments even though the house was in my name. I’ll do whatever I can to make sure you guys get to stay in the house.”
Really, fuckhead? Like what? Get us a mortgage? Find us a nice fat downpayment hiding under a rock? Really. What the hell do you think you are going to do for us at this point in time.
My husband convinced him to write us a “recommendation” letter for the bank, stating that we have been good tenants and have always paid our rent on time for the past three years. Yes, thank you for that. That and a piece of toilet paper will wipe my fat ass.
I am so glad there are NO PILLS in this house right now…because MAN, would I love to do some and just go away for awhile. This is the time I miss doing drugs the most…when shit like this comes up. Instead, I have to put myself into “pitbull” mode and just start barking up every tree and see what comes down. I am really trying NOT to freak out. My mother is a real estate agent and knows the ins and outs of a short sale on foreclosure homes. My father is a mortgage banker and is going to do what he can to get us in a more eligable ready position to take on a mortgage. It’s going to be a bitch because I am not working. We can’t count any income from me at all. However, I have good credit. My husband on the other hand makes an excellent salary…but his credit sucks ass. And it’s not as if the banks are handing out loans with this shitty economy. Short of me sucking some banker dick, I don’t see how we are going to pull this off.
I am hoping Dad can pull a miracle out of his hat.
I am hitting an NA meeting first thing in the morning. 7am…just to be able to get all this off my chest. I gotta release some of this steam I have building up.
I hope I am never in Utah. I would feel compelled to fuck up some Crack Addict ass.