Have you ever felt like you could just collapse on the floor in a huge blubbering pile? Like nothing in the world will ever go your way again? As if you need to take out a white flag and wave it for everyone to see and call a truce? The endless barrage of hardships and difficulties are just too much to bear!
I don't know what has been going on the last 5 years so that nothing will ever go our way, but I am at my wits' end. It just seems like it's one thing after another. As soon as we start to see the clouds breaking up, more clouds roll right in to take their place. It's just one never ending storm after another. I feel empty and hopeless. I am truly at a loss and no one will help us. I feel like I am in a bottomless pit of quicksand from which there is no escape. I have a feeling that the depression is trying to move back in and take back over my life, but I don't want it to.
I am usually a pretty optimistic person. I know it is always darkest before the dawn, really I do. I have made many batches of lemonade out of my pile of lemons, and some earrings, lemon bars, lemon sherbet, lemon bread, lemon meringue pie, lemon drops, lemon chicken, lemon poppy seed muffins, and lovely scented soaps too. But I am running out of things to make with these lemons and I would really like to get something else instead. Did you know that we have had 10 qualifying hardships within the last 5 years? I am sure I could find even more than that too if I tried. Sad. Pathetic. Unnatural.
Why does no one see my pain? Why will no one reach out a helping hand? Why does everyone think my business is none of their business? Even when I ask for help, no one will help. They won't see my need, it's like they put blinders on, plug their ears and sing a merry tune until I have talked so much I can't talk anymore. They change what I tell them to ease their guilt and so that they are able to do their worst to me. I am sick of it.
Bad service, rising expenses, job transfers, job losses, botched rentals, home sale staging, deaths, depression, short sale, foreclosure, credit clampdowns, home repairs, credit counseling, stress, illness, refinancing, medical debt, loan modifications, I could go on and on. All the while I always try to do the right thing and take care of my debts at the expense of our family and our life. It's sickening really. Why won't it stop? Why do these things keep happening to me? I need to put an end to this vicious cycle.
Everyone has a plan, and everyone tells me what to do when they can't help me. When I tell them I've tried that already, they simply tell me that I must have done it wrong or that I need to do X as well. They tell me someone else will help and pretend to act incredulous and disgusted when I tell them that didn't work either.
Can't anyone just listen, support a person, and help them out? Why does everyone feel the need to require documentation of everything even though I have never told any lies about my situation? Why can't we prepare for something bad that is going to happen when we know in advance it will happen simply because it has yet to happen?
Yeah, I know I have a lot of questions. Why can't anyone answer any of them? Doesn't anyone else have these kinds of questions too? Hasn't this kind of thing been happening all over the world? Why is no one willing to help a person simply to be helpful, not just because a law says they have to?
Apparently no business, no government program, and no job performance bonus is going to get us out of this mess. Only God can and only God will. How do I give this all up for him to deal with when all I do is worry about tomorrow? How do I give it all up into God's hands? I want to give up.
Thank you for stopping by to chat with me. Please leave me a message, I'd love to hear your thoughts! Cindy
Do NOT Copy
Showing posts with label Home sale progress. Show all posts
Showing posts with label Home sale progress. Show all posts
Things That Make you go Hmmm
Recently I shared with you all of the reasons and motivations behind our having to move away from our dream home, now we seem to have come to the conclusion that we won't end up being able to move no matter what. There are several influencing factors behind coming to this decision. It's really a very frustrating situation for us! Could you please pray that things work out for us?
There are lots of stress factors working against us moving right now. My husband found an oddity in my left breast the other day. It has my stomach tied up in knots since my mom had breast cancer a few years ago. I will be making an appointment tomorrow. I'm SO nervous!
Add to that the fact that our house has been on the market for almost a month and we had our first showing yesterday. While I haven't yet heard any feed back on this showing, I don't think people are going to be knocking down our door offering us large sums of money for our little piece of heaven on earth. Isn't the first month supposed to be the most active time for buyers looking at a house? Apparently no one is looking in this price point.
We were super excited about moving closer to hubby's work so we would once again have more family time together. His commute adds a two hour drive to his work day which is already long and is scheduled to get even longer very soon. Two hours is much longer than the 1/2 hour total drive he used to have. My husband and I found many nice homes in the new town we intended to move to, I mean there were at least 4 of them we could see ourselves in. They were all a bit less expensive than the home we currently live in so we assumed they were well within our price range, right? I mean if we can come up with a bigger mortgage we should have no problem coming up with a little less...
That is not the case though! No bank is willing to lend us money to buy one of these homes. With our recent forced foreclosure and ensuing credit card debt there is no chance we can get a mortgage with less than 20 % down through an in house loan at a local credit union. We built up that credit card debt trying to do the right thing and sell our house instead of just letting it go immediately like so many other people did. We rented it out for way less than our mortgage and ended up getting taken advantage of and got into an even bigger hole than we started in. Our so-called friend, who was one of two people living there, trashed the place and we had to spend even more money to fix it back up to the way it looked when we moved away in the first place. After a couple more months of trying to sell it we had to stop. We had placed ads to rent it out but didn't even get one phone call on three month long ad runs.
So, even though our debts are getting paid off, and paid in a timely fashion, the foreclosure totally messed everything up! Our credit cards all lowered our credit limits to less than 10% of our previous limits causing us to look like we spend over our credit limit routinely. (This totally messes with our credit report even more than the foreclosure.) That is SO wrong! We never had any problems with paying any of them on time, so I why did they feel the need to pull our credit reports anyway? (This also drives down our score because we've had too many inquiries on our report. I didn't ask for any more credit than I already had!) Some of them decided to close our accounts all together because they don't like seeing the foreclosure. (Further affecting our credit scores.)
So, because of this foreclosure we went from very low credit risk to one of the highest risk brackets. How can a score dive so far so fast?
We will only get about $14,000 out of our current house if we do get offered the full asking price (which is extremely doubtful). That amount will buy us about 1/2 of the home we currently own if it needs to be a 20% down payment. We NEED to have 20% down because we are such a high risk. We'd have to buy a total fixer upper. Not to mention the fact that I'd have to start all over again with my gardens!
Having put so much time and effort into this house, we really aren't feeling up to putting all of our efforts into fixing up another home at this point. I'm finally seeing an end to the to do list here and moving would just add SO much more work for me to do.
Is that list long enough for you? It's making my head ache just to think about it all.
Thank you for stopping by to chat with me. Please leave me a message, I'd love to hear your thoughts!
Cindy
There are lots of stress factors working against us moving right now. My husband found an oddity in my left breast the other day. It has my stomach tied up in knots since my mom had breast cancer a few years ago. I will be making an appointment tomorrow. I'm SO nervous!
Add to that the fact that our house has been on the market for almost a month and we had our first showing yesterday. While I haven't yet heard any feed back on this showing, I don't think people are going to be knocking down our door offering us large sums of money for our little piece of heaven on earth. Isn't the first month supposed to be the most active time for buyers looking at a house? Apparently no one is looking in this price point.
We were super excited about moving closer to hubby's work so we would once again have more family time together. His commute adds a two hour drive to his work day which is already long and is scheduled to get even longer very soon. Two hours is much longer than the 1/2 hour total drive he used to have. My husband and I found many nice homes in the new town we intended to move to, I mean there were at least 4 of them we could see ourselves in. They were all a bit less expensive than the home we currently live in so we assumed they were well within our price range, right? I mean if we can come up with a bigger mortgage we should have no problem coming up with a little less...
That is not the case though! No bank is willing to lend us money to buy one of these homes. With our recent forced foreclosure and ensuing credit card debt there is no chance we can get a mortgage with less than 20 % down through an in house loan at a local credit union. We built up that credit card debt trying to do the right thing and sell our house instead of just letting it go immediately like so many other people did. We rented it out for way less than our mortgage and ended up getting taken advantage of and got into an even bigger hole than we started in. Our so-called friend, who was one of two people living there, trashed the place and we had to spend even more money to fix it back up to the way it looked when we moved away in the first place. After a couple more months of trying to sell it we had to stop. We had placed ads to rent it out but didn't even get one phone call on three month long ad runs.
So, even though our debts are getting paid off, and paid in a timely fashion, the foreclosure totally messed everything up! Our credit cards all lowered our credit limits to less than 10% of our previous limits causing us to look like we spend over our credit limit routinely. (This totally messes with our credit report even more than the foreclosure.) That is SO wrong! We never had any problems with paying any of them on time, so I why did they feel the need to pull our credit reports anyway? (This also drives down our score because we've had too many inquiries on our report. I didn't ask for any more credit than I already had!) Some of them decided to close our accounts all together because they don't like seeing the foreclosure. (Further affecting our credit scores.)
So, because of this foreclosure we went from very low credit risk to one of the highest risk brackets. How can a score dive so far so fast?
We will only get about $14,000 out of our current house if we do get offered the full asking price (which is extremely doubtful). That amount will buy us about 1/2 of the home we currently own if it needs to be a 20% down payment. We NEED to have 20% down because we are such a high risk. We'd have to buy a total fixer upper. Not to mention the fact that I'd have to start all over again with my gardens!
Having put so much time and effort into this house, we really aren't feeling up to putting all of our efforts into fixing up another home at this point. I'm finally seeing an end to the to do list here and moving would just add SO much more work for me to do.
Is that list long enough for you? It's making my head ache just to think about it all.
Thank you for stopping by to chat with me. Please leave me a message, I'd love to hear your thoughts!
Cindy
Fire Sale Update
I know some people out there may be interested in the house I just wrote my last post about. Some may have been following my story since I met them at the HGTV home selling message boards, I met some really great people there. Here's the latest as well as some information for people who may be going through this process and want to find out some more info. Please feel free to ask me any questions you have. We underwent this process in MN so it may be different in other areas of the country.
As you may be aware, our old house in BL was sold at a fire sale last year. As owners, we are never made aware of this information about the sale, so I only found this out the other day.
We were given a six month redemption period after the fire sale before it was finalized so my mom continued to live there until last November or so.
We were made aware of the fact that we could contest the transfer of title out of our name being sent official papers with the time of the "trial" and everything. This happened in June this year. It may have been interesting to go, but it was a long way away and my nerves are still really raw about all of the effort we put into that house and trying to sell it. It was best to make a clean break, so I didn't go. I wanted it to be over as soon as possible.
If I could have saved them the attorney fees and just handed the house over to the bank, I would have. Apparently MN has a law that says you can not do a "deed in lieu of foreclosure" on a home you are not living in. We tried every possible route that the bank suggested but apparently nothing but foreclosure worked for us in MN. It really was too bad since we had no interest in holding onto the house.
The house was listed in the court papers as being sold for $125,550 on 7/18/08 so I guess someone must have bid on it then. That is a far distance from the $230,000 we were told we could sell it for when we first contemplated the possibility of moving over three years ago!
At the end we had it listed for $124,900 (dropped from the original listing price of 197,000) but in all we only had two offers in total. Crazy for such a wonderful home on a corner lot so close to the lake. With our main competition being foreclosures and new construction we really had an uphill battle to try to win.
I tried negotiating with the first person who made an offer before we really knew that the housing market was in a virtual free fall. This right after we signed up with our second realtor. I am sure she would have sold it if she had been our original listing agent, if we didn't have a messy renter who refused to show the house or do the agreed on lawn care, and if the floor in the family room hadn't gotten so badly damaged. I would have owed more than the first possible buyer offered in September of 06 and thought I needed to take out a loan to cover the rest of the money I would have owed the banks and realtors. She wasn't willing to up her price and ended up walking. I really don't think she would have sat still for a short sale anyway since she was in the process of getting a divorce.
Our second offer got held up on a bank negotiation deal since we held both a first and second mortgage. After waiting forever those buyers also walked. I have found myself wondering if the final purchasers are those second people or not. I guess maybe I'll never know. I suppose it really doesn't matter. I am out from under that burden and I am not going to look back!
We were notified of the outcome of the court proceedings by mail. They sent a list of all transactions on our house including all of the times we refinanced, when we bought the house, second mortgages, fire sale, and other filings. It is now completely final and I could not be happier to be able to move on free and clear.
I hope the new owners enjoy that house as much as we did, it really was our dream when we lived there. Who knew my dream house would change so much when we moved here? I used to only want to live in town and have lots of kids for my kids to play with and be close to shopping. Now none of those things are even on the radar of my dream home. If our relatives and friends lived closer I'd have to say that the house we live in now would be my dream home.
I am also glad that living through that ordeal didn't end up breaking up a third marriage as it did the marriages of the first two pairs of owners. The neighbors shared the divorce house story with us after we moved in. The second couple only lived there for a year! I'm sure it very well could have broken us up if we had let the stress of the last few years overcome us. We've gone through a lot of loss, pain, and difficulties over the last three years.
Now we are a better, closer family than ever and I feel ready to conquer the health battle that lies ahead.... I hope! God help us.
Thank you for stopping by to chat with me. Please leave me a message, I'd love to hear your thoughts!
Cindy
As you may be aware, our old house in BL was sold at a fire sale last year. As owners, we are never made aware of this information about the sale, so I only found this out the other day.
We were given a six month redemption period after the fire sale before it was finalized so my mom continued to live there until last November or so.
We were made aware of the fact that we could contest the transfer of title out of our name being sent official papers with the time of the "trial" and everything. This happened in June this year. It may have been interesting to go, but it was a long way away and my nerves are still really raw about all of the effort we put into that house and trying to sell it. It was best to make a clean break, so I didn't go. I wanted it to be over as soon as possible.
If I could have saved them the attorney fees and just handed the house over to the bank, I would have. Apparently MN has a law that says you can not do a "deed in lieu of foreclosure" on a home you are not living in. We tried every possible route that the bank suggested but apparently nothing but foreclosure worked for us in MN. It really was too bad since we had no interest in holding onto the house.
The house was listed in the court papers as being sold for $125,550 on 7/18/08 so I guess someone must have bid on it then. That is a far distance from the $230,000 we were told we could sell it for when we first contemplated the possibility of moving over three years ago!
At the end we had it listed for $124,900 (dropped from the original listing price of 197,000) but in all we only had two offers in total. Crazy for such a wonderful home on a corner lot so close to the lake. With our main competition being foreclosures and new construction we really had an uphill battle to try to win.
I tried negotiating with the first person who made an offer before we really knew that the housing market was in a virtual free fall. This right after we signed up with our second realtor. I am sure she would have sold it if she had been our original listing agent, if we didn't have a messy renter who refused to show the house or do the agreed on lawn care, and if the floor in the family room hadn't gotten so badly damaged. I would have owed more than the first possible buyer offered in September of 06 and thought I needed to take out a loan to cover the rest of the money I would have owed the banks and realtors. She wasn't willing to up her price and ended up walking. I really don't think she would have sat still for a short sale anyway since she was in the process of getting a divorce.
Our second offer got held up on a bank negotiation deal since we held both a first and second mortgage. After waiting forever those buyers also walked. I have found myself wondering if the final purchasers are those second people or not. I guess maybe I'll never know. I suppose it really doesn't matter. I am out from under that burden and I am not going to look back!
We were notified of the outcome of the court proceedings by mail. They sent a list of all transactions on our house including all of the times we refinanced, when we bought the house, second mortgages, fire sale, and other filings. It is now completely final and I could not be happier to be able to move on free and clear.
I hope the new owners enjoy that house as much as we did, it really was our dream when we lived there. Who knew my dream house would change so much when we moved here? I used to only want to live in town and have lots of kids for my kids to play with and be close to shopping. Now none of those things are even on the radar of my dream home. If our relatives and friends lived closer I'd have to say that the house we live in now would be my dream home.
I am also glad that living through that ordeal didn't end up breaking up a third marriage as it did the marriages of the first two pairs of owners. The neighbors shared the divorce house story with us after we moved in. The second couple only lived there for a year! I'm sure it very well could have broken us up if we had let the stress of the last few years overcome us. We've gone through a lot of loss, pain, and difficulties over the last three years.
Now we are a better, closer family than ever and I feel ready to conquer the health battle that lies ahead.... I hope! God help us.
Thank you for stopping by to chat with me. Please leave me a message, I'd love to hear your thoughts!
Cindy
Weird Question
My mom told me that someone bought the house finally. It's about time, we moved out almost 3 years ago now!
They must have put in the offer right as it went into foreclosure. I'm assuming this since they were already moving in a couple of weekends ago. It was supposed to be "officially" foreclosed on December 16. We never heard anything about it from the bank and had trouble getting the utilities straightened out because the bank refused to notify them and I couldn't just shut everything off because of the cold weather rules. (Yet another mess!)
Anyway... the neighbor told us these people moved in a little while ago.
(Sorry about all of the rambling, but I think that some people are wondering about what happened to our house.) My question is... would it be stupid of me to write the new owners a letter about where to find everything and what some of the stuff is for? (ie fertigation tank, liquid fertilizer, NOT asking Green Lawn for sprinkler system maintenance, etc)
MN house chapter CLOSED!!!! FINALLY! Hurrah! (Though I still may share my former gardens if I can ever get the pictures from the old computer.)
Thank you for stopping by to chat with me. Please leave me a message, I'd love to hear your thoughts!
Cindy
They must have put in the offer right as it went into foreclosure. I'm assuming this since they were already moving in a couple of weekends ago. It was supposed to be "officially" foreclosed on December 16. We never heard anything about it from the bank and had trouble getting the utilities straightened out because the bank refused to notify them and I couldn't just shut everything off because of the cold weather rules. (Yet another mess!)
Anyway... the neighbor told us these people moved in a little while ago.
(Sorry about all of the rambling, but I think that some people are wondering about what happened to our house.) My question is... would it be stupid of me to write the new owners a letter about where to find everything and what some of the stuff is for? (ie fertigation tank, liquid fertilizer, NOT asking Green Lawn for sprinkler system maintenance, etc)
MN house chapter CLOSED!!!! FINALLY! Hurrah! (Though I still may share my former gardens if I can ever get the pictures from the old computer.)
Thank you for stopping by to chat with me. Please leave me a message, I'd love to hear your thoughts!
Cindy
To Winterize or Not
Many of you may know that the house in MN that we tried to sell for over two years has been foreclosed on. According to the original communication that we got from the bank we had 6 months from the sheriff's sale to redeem it. That landed us on December 16. I have been trying to contact the bank for a couple of weeks since I haven't heard from them in a while. I have sat on hold for over 1/2 an hour a couple of times onlyto get cut off. If I try to call other departments of the bank I get endlessly tranferred around until I get so frustrated that I just hang up.
My mom moved out last weekend so I no longer hasve someone else to pay the utilities. I can't afford to throw away money, but the utility companies won't take the bills out of my name until the bank contacts them. The realtor wants us to keep the utilites on so if someone buys it they'll be on for inspections. Why should I pay for something hat isn't even mine anymore? We had two showings this week too, but I don't think I could even choose to accept any offers made at this point.
Since the bank is too busy to care what's going on my neighbor says we should just winterize it and turn all utilities off. I'm so frastrated at this point I can't even stand it. What's a people pleasing perspn like me supposed to do?
Thank you for stopping by. Please leave me a message. I'd love to hear your thoughts!
Cindy
My mom moved out last weekend so I no longer hasve someone else to pay the utilities. I can't afford to throw away money, but the utility companies won't take the bills out of my name until the bank contacts them. The realtor wants us to keep the utilites on so if someone buys it they'll be on for inspections. Why should I pay for something hat isn't even mine anymore? We had two showings this week too, but I don't think I could even choose to accept any offers made at this point.
Since the bank is too busy to care what's going on my neighbor says we should just winterize it and turn all utilities off. I'm so frastrated at this point I can't even stand it. What's a people pleasing perspn like me supposed to do?
Thank you for stopping by. Please leave me a message. I'd love to hear your thoughts!
Cindy
Thanksgiving Plans
I wanted to wish you all a very happy Thanksgiving spent with your family and friends. I think that this is one of the best holidays, well Christmas too (not for the gifts though).
Many people are travelling to various places for their festivities. We will be staying close to home since Cheesehead has to close tonight and open Friday morning. MIL and BIL will be coming over tomorrow.
I will enlist the children into helping me clean the house before our company arrives. After the work, we will be heading outside to roast hotdogs and marshmellows over the fire pit. We need to try to make some lye for my soap making project, so we'll not only have some fun, but we'll be getting some work done too! We will also play games and watch movies today. I don't think we'll do much other than the cleaning though. We may make some Swedish Christmas crafts for the kids to give their cousins on Christmas.
Most of the preparations are made already so I just have to relax and wait for them to come. Well, there is the small matter of cooking the turkey I suppose, but that's a pretty easy task to accomplish. I invited mom over too, but she has to work tomorrow so she will be joining some friends for their festivities.
Our house in MN has had two showings this week, but still no offers are being made. Only two weeks left, it will be nice to have less to worry about. It would be even nicer if it sold today but I'm not going to hold my breath or anything.
I want to get to Menards for the Friday sale early since they have a few things on sale that we still need for our bathroom. I hope they don't sell out of the things I want before I get there. No gifts left to buy since we aren't doing muchfor Christmas this year, but I think we'll put up the Christmas tree this weekend too.
What are your plans? We have a lot to be thankful for, don't we?
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Many people are travelling to various places for their festivities. We will be staying close to home since Cheesehead has to close tonight and open Friday morning. MIL and BIL will be coming over tomorrow.
I will enlist the children into helping me clean the house before our company arrives. After the work, we will be heading outside to roast hotdogs and marshmellows over the fire pit. We need to try to make some lye for my soap making project, so we'll not only have some fun, but we'll be getting some work done too! We will also play games and watch movies today. I don't think we'll do much other than the cleaning though. We may make some Swedish Christmas crafts for the kids to give their cousins on Christmas.
Most of the preparations are made already so I just have to relax and wait for them to come. Well, there is the small matter of cooking the turkey I suppose, but that's a pretty easy task to accomplish. I invited mom over too, but she has to work tomorrow so she will be joining some friends for their festivities.
Our house in MN has had two showings this week, but still no offers are being made. Only two weeks left, it will be nice to have less to worry about. It would be even nicer if it sold today but I'm not going to hold my breath or anything.
I want to get to Menards for the Friday sale early since they have a few things on sale that we still need for our bathroom. I hope they don't sell out of the things I want before I get there. No gifts left to buy since we aren't doing muchfor Christmas this year, but I think we'll put up the Christmas tree this weekend too.
What are your plans? We have a lot to be thankful for, don't we?
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Maybe the Banks Deserve What They're Getting!
What ever happened to customer service? I thought that it was important for businesses to communicate clearly with their customers and try to satisfy them to the best of their ability. Apparently that doesn't seem to be the case when I go most places any more though. It's sad really. I have experienced that first hand lately with the bank I've been a loyal customer at for almost twenty years.
They seem to have developed an attitude that they're doing people a favor by even existing and providing us a service. Well, that's all well and good, but what ever happened to them trying to be the best in the business? What happened to wanting to keep good customers for the long term even if it might mean making a small sacrifice? What do I mean? Please let me explain.
I was told by a couple of mortgage bankers back in MN that our house would sell quickly as well as several realtors. We discussed the fact that my husband was being transferred to another state by the company he works for and we thought about many options when we bought our new home. At first we had thought about doing a bridge loan but the banker thought it would be a better idea for us to go with home equity lines of credit instead. We asked if we could just take out a loan for no down payment on our new house. She told us that we could since our credit score was 753, but she strongly reccommended that we go with her plan so we wouldn't have to pay PMI on our new loan. We finally decided that the banker knew what was best and went with her plan.
Over the last two and a half years, we have been unable to sell our home that was supposed to be so easy to sell. Before our renter moved out, we thought it would be a good idea to refinance our house we're in now, take out the extra that we owed on our HELOC so we could drop our price without having to do a short sale. That would also help to keep our payments more affordable and we would be paying down principle on all of the three loans instead of just the one. The bank told us to wait until we got our basement finished because we didn't have enough equity in our home as it was to avoid paying PMI. I said that was okay, but the banker strongly suggested that we wait to build more equity in our house. Once again, we listened.
Our renter moved out without paying several months worth of rent and we weren't able to find another renter to move in in his place even though we ran an ad for over a month in one of the local newspapers. He had trashed the place and I invested a lot of time and money into fixing the place up again as well as repairing damage done to the house by a negligent sprinkler company when they improperly installed a sprinkler system and failed to adjust the heads after the plumber kooked them up to our water.
We had a couple of offers on the house anyway, but the banks bickered over things and could not agree to a sale before the buyers walked.
I told all of this to the bank, told them our first had gone up for sheriff's sale and asked them what I could do. Several people at the bank advised me that there was nothing else I could do, just wait to be foreclosed and they'd just have to take the loss. They were really very kind and understanding sounding when I spoke to them.
I guess I'd like to know if the bank makes it a common practice for people who don't know what they're talking about to answer customer's questions. I would also like to know if they are required to take notes every time a customer contacts them. I would say I had done everything I could possibly do to solve the situation including writing letters to the bank. I informed them that I would not declare bankruptcy because I felt it was my responsibilty to pay back my debts and asked them to again consider refinancing my mortgage. I made it perfectly clear to them that I intended to pay back the loan as long as the price was something I could afford while still being able to feed my family. They refused to refinance because by this point my other house had slipped into forclosure even though I have paid all of my other bills on time.
They sounded reasonable still and I thought there was hope for resolving my situation, so I kept calling and doing my best to offer suggestions and ask for advise. This went on until the bank turned it over to a collection agency. The collection agency was not kind and called and hung up on me all the time, but still I was never informed that the bank could take every cent I had in the world all at one time if I didn't make some type of payment arrangement.
Well, the loan was officially charged off at the end of October, the first mortgage's redemption period is up on December 16. That's where my $2,000 went to, the bank just took all of my money without saying a word to me about it. To make it worse, that's completely legal for them to do. Um, I don't know about you, but that sounds awfully stupid if you ask me!
Even though they knew I had two other mortgages with them also. Even though I had written letters to them pleading to make out some kind of arrangements with me. Did they even care that taking all of that money might cause a second set of forclosure problems for them? Apparently not!
Why in the world would you choose to cause this type of chain reaction to take place instead of being reasonable and working with a customer who is trying to show every effort to pay a bill and negotiate? Had I not gone online and noticed that they had done this to me, I would have also racked up a ton of bounced check fees too. They just seem to be on the lookout for more money because of the struggling economy.
Is the economy struggling for a reason? YES! It's called greed and I can't see any end to it until everyone can sit down and compromise. So they might make a little bit less money in fees and interest charges, is it worth it to have the world's economy circling the drain so they can scrape a few extra dollars together for their investors? I think not!
I'm not asking for much really, I just want the greed and money grubbing to cease. I have no problem with people making a reasonable profit, but when they start profittering in a faltering economy someone needs to stand up and shout "STOP!" . Is that asking too much?
I took the money MIL was kind enough to loan us and opened a checking account at a new bank today. I will not be doing any business with that bank anymore. If I could take my mortgage account and HELOC account away from them I'd do that too, but unfortunately I think I will be forced to leave those in place. All of my other accounts are going elsewhere though. I don't need a back-stabbing bank who pretends to look out for my interests when all they really want to do is line their pockets with money.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
They seem to have developed an attitude that they're doing people a favor by even existing and providing us a service. Well, that's all well and good, but what ever happened to them trying to be the best in the business? What happened to wanting to keep good customers for the long term even if it might mean making a small sacrifice? What do I mean? Please let me explain.
I was told by a couple of mortgage bankers back in MN that our house would sell quickly as well as several realtors. We discussed the fact that my husband was being transferred to another state by the company he works for and we thought about many options when we bought our new home. At first we had thought about doing a bridge loan but the banker thought it would be a better idea for us to go with home equity lines of credit instead. We asked if we could just take out a loan for no down payment on our new house. She told us that we could since our credit score was 753, but she strongly reccommended that we go with her plan so we wouldn't have to pay PMI on our new loan. We finally decided that the banker knew what was best and went with her plan.
Over the last two and a half years, we have been unable to sell our home that was supposed to be so easy to sell. Before our renter moved out, we thought it would be a good idea to refinance our house we're in now, take out the extra that we owed on our HELOC so we could drop our price without having to do a short sale. That would also help to keep our payments more affordable and we would be paying down principle on all of the three loans instead of just the one. The bank told us to wait until we got our basement finished because we didn't have enough equity in our home as it was to avoid paying PMI. I said that was okay, but the banker strongly suggested that we wait to build more equity in our house. Once again, we listened.
Our renter moved out without paying several months worth of rent and we weren't able to find another renter to move in in his place even though we ran an ad for over a month in one of the local newspapers. He had trashed the place and I invested a lot of time and money into fixing the place up again as well as repairing damage done to the house by a negligent sprinkler company when they improperly installed a sprinkler system and failed to adjust the heads after the plumber kooked them up to our water.
We had a couple of offers on the house anyway, but the banks bickered over things and could not agree to a sale before the buyers walked.
I told all of this to the bank, told them our first had gone up for sheriff's sale and asked them what I could do. Several people at the bank advised me that there was nothing else I could do, just wait to be foreclosed and they'd just have to take the loss. They were really very kind and understanding sounding when I spoke to them.
I guess I'd like to know if the bank makes it a common practice for people who don't know what they're talking about to answer customer's questions. I would also like to know if they are required to take notes every time a customer contacts them. I would say I had done everything I could possibly do to solve the situation including writing letters to the bank. I informed them that I would not declare bankruptcy because I felt it was my responsibilty to pay back my debts and asked them to again consider refinancing my mortgage. I made it perfectly clear to them that I intended to pay back the loan as long as the price was something I could afford while still being able to feed my family. They refused to refinance because by this point my other house had slipped into forclosure even though I have paid all of my other bills on time.
They sounded reasonable still and I thought there was hope for resolving my situation, so I kept calling and doing my best to offer suggestions and ask for advise. This went on until the bank turned it over to a collection agency. The collection agency was not kind and called and hung up on me all the time, but still I was never informed that the bank could take every cent I had in the world all at one time if I didn't make some type of payment arrangement.
Well, the loan was officially charged off at the end of October, the first mortgage's redemption period is up on December 16. That's where my $2,000 went to, the bank just took all of my money without saying a word to me about it. To make it worse, that's completely legal for them to do. Um, I don't know about you, but that sounds awfully stupid if you ask me!
Even though they knew I had two other mortgages with them also. Even though I had written letters to them pleading to make out some kind of arrangements with me. Did they even care that taking all of that money might cause a second set of forclosure problems for them? Apparently not!
Why in the world would you choose to cause this type of chain reaction to take place instead of being reasonable and working with a customer who is trying to show every effort to pay a bill and negotiate? Had I not gone online and noticed that they had done this to me, I would have also racked up a ton of bounced check fees too. They just seem to be on the lookout for more money because of the struggling economy.
Is the economy struggling for a reason? YES! It's called greed and I can't see any end to it until everyone can sit down and compromise. So they might make a little bit less money in fees and interest charges, is it worth it to have the world's economy circling the drain so they can scrape a few extra dollars together for their investors? I think not!
I'm not asking for much really, I just want the greed and money grubbing to cease. I have no problem with people making a reasonable profit, but when they start profittering in a faltering economy someone needs to stand up and shout "STOP!" . Is that asking too much?
I took the money MIL was kind enough to loan us and opened a checking account at a new bank today. I will not be doing any business with that bank anymore. If I could take my mortgage account and HELOC account away from them I'd do that too, but unfortunately I think I will be forced to leave those in place. All of my other accounts are going elsewhere though. I don't need a back-stabbing bank who pretends to look out for my interests when all they really want to do is line their pockets with money.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Can They do That?
So I was minding my own business working to get my home mortgages for my house in MN figured out. You know how much I've been stressing about this over the last year. The bottom is falling out now.
I logged onto our account yesterday and they had taken all of my money out of BOTH my checking and my savings accounts. In all they took almost $2,000 from us. I didn't even get told this was even a possibility of happening. I've been talking so much with both the bank and the bill collectors I feel like we're almost on a first name basis with them. Why didn't they tell me they could and would do this?
Now I have NO idea how I'm going to pay our bills that are coming up to be automatically withdrawn out of our accounts this week. We need to come up with $1,000 fast. With no savings or checking we are going to have a whole lot of bouncing checks too. No one will give us a loan with a foreclosure looming on the horizon and we have almost nothing available on some credit cards that we used to be able to buy anything we wanted on them. As unreasonable as they're being I don't know that they will even contemplate waiving those charges for the bounced checks either. It's NOT my fault!
How can they just steal all of my money like that? I've been a good customer of theirs for almost 20 years, why are they being so unreasonable and crazy now? I keep calling them and trying to figure out a way to refinance our current house to add that loan to it but I don't want to triple the interest rate I'm paying either. They keep saying I can't refinance anyway. How can they be so unreasonable with someone who's trying to get them money, but just doesn't have the means to do it? Are we going to loose the house we're living in now because of this second mortgage on our other house that they forced us to take out when we didn't even really want to?
I'm trying to practically give that house away so I can be rid of the problem, but it isn't working. No one's buying.I've done everything in my power I could do and asked every question to every person I could find. I've done everything I can humanly do, yet it's just never good enough. What in the world am I going to do?
I'm so stressed! Where's the chocolate? Any advise? Do you know a good lawyer? I can't afford to pay any fees though either. What on earth are we supposed to do????
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
I logged onto our account yesterday and they had taken all of my money out of BOTH my checking and my savings accounts. In all they took almost $2,000 from us. I didn't even get told this was even a possibility of happening. I've been talking so much with both the bank and the bill collectors I feel like we're almost on a first name basis with them. Why didn't they tell me they could and would do this?
Now I have NO idea how I'm going to pay our bills that are coming up to be automatically withdrawn out of our accounts this week. We need to come up with $1,000 fast. With no savings or checking we are going to have a whole lot of bouncing checks too. No one will give us a loan with a foreclosure looming on the horizon and we have almost nothing available on some credit cards that we used to be able to buy anything we wanted on them. As unreasonable as they're being I don't know that they will even contemplate waiving those charges for the bounced checks either. It's NOT my fault!
How can they just steal all of my money like that? I've been a good customer of theirs for almost 20 years, why are they being so unreasonable and crazy now? I keep calling them and trying to figure out a way to refinance our current house to add that loan to it but I don't want to triple the interest rate I'm paying either. They keep saying I can't refinance anyway. How can they be so unreasonable with someone who's trying to get them money, but just doesn't have the means to do it? Are we going to loose the house we're living in now because of this second mortgage on our other house that they forced us to take out when we didn't even really want to?
I'm trying to practically give that house away so I can be rid of the problem, but it isn't working. No one's buying.I've done everything in my power I could do and asked every question to every person I could find. I've done everything I can humanly do, yet it's just never good enough. What in the world am I going to do?
I'm so stressed! Where's the chocolate? Any advise? Do you know a good lawyer? I can't afford to pay any fees though either. What on earth are we supposed to do????
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Another Political Rant
Sorry, I don't usually discuss politics here. Somehow I just felt I needed to share my response to a friend's financial solution idea, I don't think many people think of the greed of individuals and I wanted to shine some more light on this problem. My friend Ael on myspace thought that each person with a primary residence should be given 20K to get them out of difficulty (That's the jist of it, there is much more to her idea which I find intelligently put together I might add)
While your plan seems like a decent one on the surface, I can't help but think that a plan like that couldn't work very well for people in my circumstances. The home I NEED to sell isn't my primary residence so I wouldn't qualify for it the way you have it set up. Even if I did, how is paying the bank the amounts I owe them going to owe them when I can't afford to keep paying them in the future? I'd be right back at square one. I need money to be out there for other people to buy my house (who can really afford it without using creative financing options thank you very much).
I know I was stupid and gullible for falling all of the bank and realtor's lies and lines, maybe I deserve what I'm getting. Maybe they deserve it too.
Part of the problem with our current situation in our country as a whole is that people are being greedy. They are buying new houses knowing they won't be able to sell their house for what they owe, but unwilling to take the loss out of their pocket, they are passing the pain on to everyone else. These people and bank executives who are taking huge payouts need to be stopped to save the rest of us from this economic meltdown.
Had I known what situation my family would be in at this point I would have never moved, I would have kept my house and stayed there and not let Brian take the job transfer. The problem is that SOME people CAN afford to pay their payment, but they choose not to because they can buy a bigger house now for a smaller payment in these economic times. It's cruel and greedy, but it's a fact. It makes me sick. I guess techincally I sort of could be lumped into this group too, except for the fact that I ammased a ton of credit card debt in order to legitamately sell my house and worked my but off to make it the best house in town. More stupid decisions I am sure, but I was trying to be an honest and responsible person.
I do agree that politicians shouldn't be pushing their agendas through on these emergency measures like this. I think each thing should be voted on seperately and not all thrown together as a package deal. If it sounds like a good idea, it will pass. If it doesn't the tax payers won't have to pay for it just because it was hidden in a huge bill that no one had the time to read or understand before voting for it!
All of this chaos and turmoil is making my stomache churn. We need practical changes in our government, we need to elimate the ability of people to be life long politicians, and we need to change the whole contribution to candidacy rules. Maybe we should both run for political office to bring some intelligence and compassion to the political system!
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
While your plan seems like a decent one on the surface, I can't help but think that a plan like that couldn't work very well for people in my circumstances. The home I NEED to sell isn't my primary residence so I wouldn't qualify for it the way you have it set up. Even if I did, how is paying the bank the amounts I owe them going to owe them when I can't afford to keep paying them in the future? I'd be right back at square one. I need money to be out there for other people to buy my house (who can really afford it without using creative financing options thank you very much).
I know I was stupid and gullible for falling all of the bank and realtor's lies and lines, maybe I deserve what I'm getting. Maybe they deserve it too.
Part of the problem with our current situation in our country as a whole is that people are being greedy. They are buying new houses knowing they won't be able to sell their house for what they owe, but unwilling to take the loss out of their pocket, they are passing the pain on to everyone else. These people and bank executives who are taking huge payouts need to be stopped to save the rest of us from this economic meltdown.
Had I known what situation my family would be in at this point I would have never moved, I would have kept my house and stayed there and not let Brian take the job transfer. The problem is that SOME people CAN afford to pay their payment, but they choose not to because they can buy a bigger house now for a smaller payment in these economic times. It's cruel and greedy, but it's a fact. It makes me sick. I guess techincally I sort of could be lumped into this group too, except for the fact that I ammased a ton of credit card debt in order to legitamately sell my house and worked my but off to make it the best house in town. More stupid decisions I am sure, but I was trying to be an honest and responsible person.
I do agree that politicians shouldn't be pushing their agendas through on these emergency measures like this. I think each thing should be voted on seperately and not all thrown together as a package deal. If it sounds like a good idea, it will pass. If it doesn't the tax payers won't have to pay for it just because it was hidden in a huge bill that no one had the time to read or understand before voting for it!
All of this chaos and turmoil is making my stomache churn. We need practical changes in our government, we need to elimate the ability of people to be life long politicians, and we need to change the whole contribution to candidacy rules. Maybe we should both run for political office to bring some intelligence and compassion to the political system!
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Making Curtains and Other Random Thoughts
I know it's unusual for a shed to have curtains, but I thought it would help it look pretty from the outside. I didn't do as careful of work as I would have if I were to put them up inside, but I think they look cute. Normally I wouldn't hang up such wrinkled curtains either, but I wanted to get a lot done today so I admit I may have cut some corners.
If I had the money I probably would have went out and bought some fabric that matches the curtains hanging in my house's windows. Since I don't though, I raided my fabric stash. I thought this powder blue looked rather striking with the siding color.
I didn't have any curtain rods either, so I used thumb tacks instead. DO you think that's strange?
Now all that's left is finishing the landscaping around the shed, staining the ramp, and building the planter box and shutters. Those projects may end up waiting for next spring. The staining will definately have to since the wood is still so wet and I don't want to be staining again anytime soon. I have put up some decorations on the railing, can you see them? I suppose I should have waited until after this winter and after staining, but I just couldn't wait to see what it looks like!
I have refinished a wood bench that we rescued from our other house. I will place it under the window on the shed's ramp once the poly is dry and my side yard grass has finished growing in. I will also paint a plant stand that I have black and put it in one of the corners. SO many plans, so little time!
I got two doors for our basement stained today too. 3 down, 6 to go. I can't wait until we can put an end to the basement finishing. They can be put up once all of the flooring is finally installed. I am hoping that it will be done in the next week or so. Is that too optomistic?
Also got some banana bread, banana cake, applesauce, baked beans, and potato salad made today before we headed off to football practice and Cheesehead visiting. I want to relax, but should be doing laundry and dishes since I'm Chaperoning Peanut's field trip to the outdoor classroom tomorrow. I should also be taking a shower before our hot water goes out again, but I'm just going to hope that we still have hot water tomorrow morning. I'm exhausted!
We had another showing today for our house in MN. Just over 2 months left until the final foreclosure. I don't know if I should be relieved or worried. I wish it would just sell already, then I could stop with my hand wringing and worrying. I desperately keep trying to give my worries up to the Lord, but somehow I just can't keep them given away. Somehow I just keep taking back the yoke and I can't lay it down. What's wrong with me? Is this normal? How can I give my worries over to God for good?
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
If I had the money I probably would have went out and bought some fabric that matches the curtains hanging in my house's windows. Since I don't though, I raided my fabric stash. I thought this powder blue looked rather striking with the siding color.
I didn't have any curtain rods either, so I used thumb tacks instead. DO you think that's strange?
Now all that's left is finishing the landscaping around the shed, staining the ramp, and building the planter box and shutters. Those projects may end up waiting for next spring. The staining will definately have to since the wood is still so wet and I don't want to be staining again anytime soon. I have put up some decorations on the railing, can you see them? I suppose I should have waited until after this winter and after staining, but I just couldn't wait to see what it looks like!
I have refinished a wood bench that we rescued from our other house. I will place it under the window on the shed's ramp once the poly is dry and my side yard grass has finished growing in. I will also paint a plant stand that I have black and put it in one of the corners. SO many plans, so little time!
I got two doors for our basement stained today too. 3 down, 6 to go. I can't wait until we can put an end to the basement finishing. They can be put up once all of the flooring is finally installed. I am hoping that it will be done in the next week or so. Is that too optomistic?
Also got some banana bread, banana cake, applesauce, baked beans, and potato salad made today before we headed off to football practice and Cheesehead visiting. I want to relax, but should be doing laundry and dishes since I'm Chaperoning Peanut's field trip to the outdoor classroom tomorrow. I should also be taking a shower before our hot water goes out again, but I'm just going to hope that we still have hot water tomorrow morning. I'm exhausted!
We had another showing today for our house in MN. Just over 2 months left until the final foreclosure. I don't know if I should be relieved or worried. I wish it would just sell already, then I could stop with my hand wringing and worrying. I desperately keep trying to give my worries up to the Lord, but somehow I just can't keep them given away. Somehow I just keep taking back the yoke and I can't lay it down. What's wrong with me? Is this normal? How can I give my worries over to God for good?
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Garden Refugees
I meant to show you all of the work I've been up to for the last couple of days, but I've been slow. So, instead I thought I'd give you an idea of why no one wants to buy this house!
I was shocked when I went back and saw how completely over grown all of my gardens were. I felt horrible that I didn't have the time to take care of all of the poor babies, they were just screaming out for help. Poor Mom must feel overwhelmed with all of the gardens to take care of and work full time.
I was not feeling very hopeful that I'd be able to salvage anything out of this garden at all. Look at it, wouldn't you be skeptical too? This was once my prize rose garden. I replaced the roses each year since I never had the ability to get them to live through the winter. Right before we moved, I planted 3 clematis and 2 roses as a gift to the new owners of the house. With no care given to them since we moved I wasn't optomistic that they were still alive.
While browsing through the weeds, I found all 3 clematis and 1 of the roses. Not too shabby. Of course I dug them all up, I can't imagine that the next owners would want to keep this mess. Would you?
I have some wonderful sensation lilacs that were still in bloom, but they were on the decline. I should have grabbed more of them, but I only dug up and took two of them back home with me. I couldn't believe how big all of the "little" shoots had gotten by now, when we left there were several managable sized lilacs I could have brought with. So many of them are huge for one person to handle. They were thriving wonderfully in the mulch garden, as were the weeds. Look at that! I couldn't find a single place that I could see the mulch.
This plant is a remnant from the first owners. We were the third owners of this home. I have never seen anything quite like it. It sure smells like a lilac bush, but the leaves don't look like the typical lilac leaves in either shape or color. The flowers were also not clustered like the traditional lilacs.
The front garden was also badly in need of weeding. I did manage to weed this garden area while I was there, but this picture was taken before I had the chance.
I was so disappointed that my periwinkle and fern leafed bleeding heart weren't growing there anymore when I arrived. I had planned on taking them with me. Imagine my surprise when they popped up two days after my arrival. I could almost hear their tiny little plant voices pleading with me to take them with me. There were only a couple of leaves on each plant, the whole plants looked to be smaller than my pinky finger. I showed them to Cheesehead and all he could do was laugh. Of course I dug them up too. They're not big enough to showcase. They're so small they didn't even show up in my macro pictures I took of them. That's alright though, now they're safely nestled in my new shade garden!
.
I ended up taking 22 plants with me from my gardens. I wish I had taken some more, but I ran out of pots and time. Here they are awaiting the move. I dug them up the night before Cheesehead and BIL came to help me move everything. The plants rested in the garage that night and I loaded them up in the van the next morning after I had breakfast with my friends.
I have most of them planted in the ground already, however there are 9 left to plant. I ended up having to paint the garden arbor from my former rose garden, so the clematis had to wait to be planted until I had the arbor put back together.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
I was shocked when I went back and saw how completely over grown all of my gardens were. I felt horrible that I didn't have the time to take care of all of the poor babies, they were just screaming out for help. Poor Mom must feel overwhelmed with all of the gardens to take care of and work full time.
I was not feeling very hopeful that I'd be able to salvage anything out of this garden at all. Look at it, wouldn't you be skeptical too? This was once my prize rose garden. I replaced the roses each year since I never had the ability to get them to live through the winter. Right before we moved, I planted 3 clematis and 2 roses as a gift to the new owners of the house. With no care given to them since we moved I wasn't optomistic that they were still alive.
While browsing through the weeds, I found all 3 clematis and 1 of the roses. Not too shabby. Of course I dug them all up, I can't imagine that the next owners would want to keep this mess. Would you?
I have some wonderful sensation lilacs that were still in bloom, but they were on the decline. I should have grabbed more of them, but I only dug up and took two of them back home with me. I couldn't believe how big all of the "little" shoots had gotten by now, when we left there were several managable sized lilacs I could have brought with. So many of them are huge for one person to handle. They were thriving wonderfully in the mulch garden, as were the weeds. Look at that! I couldn't find a single place that I could see the mulch.
This plant is a remnant from the first owners. We were the third owners of this home. I have never seen anything quite like it. It sure smells like a lilac bush, but the leaves don't look like the typical lilac leaves in either shape or color. The flowers were also not clustered like the traditional lilacs.
The front garden was also badly in need of weeding. I did manage to weed this garden area while I was there, but this picture was taken before I had the chance.
I was so disappointed that my periwinkle and fern leafed bleeding heart weren't growing there anymore when I arrived. I had planned on taking them with me. Imagine my surprise when they popped up two days after my arrival. I could almost hear their tiny little plant voices pleading with me to take them with me. There were only a couple of leaves on each plant, the whole plants looked to be smaller than my pinky finger. I showed them to Cheesehead and all he could do was laugh. Of course I dug them up too. They're not big enough to showcase. They're so small they didn't even show up in my macro pictures I took of them. That's alright though, now they're safely nestled in my new shade garden!
.
I ended up taking 22 plants with me from my gardens. I wish I had taken some more, but I ran out of pots and time. Here they are awaiting the move. I dug them up the night before Cheesehead and BIL came to help me move everything. The plants rested in the garage that night and I loaded them up in the van the next morning after I had breakfast with my friends.
I have most of them planted in the ground already, however there are 9 left to plant. I ended up having to paint the garden arbor from my former rose garden, so the clematis had to wait to be planted until I had the arbor put back together.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Oh, the damage!
Hi all. I just thought I'd stop by and say hi. I'm on an express computer since there are no internet cafes here for me to use. I want to stop by and visit you all, but somehow I just don't know that 10 minutes would allow me to do that!
I got back to MN and checked out all of the hail damage. One of my neighbors is a contractor and he estimates that we have about $24,000 worth of damage to the house, shed, and roof. I debated if I should file a claim or not with it going up for sheriff's sale on Monday, but I think I'm just going to hold off unless I get an offer that says they want me to fix the hail damage. I don't need any extra hassles that no one's requiring me to do, right? I mean, I went through this whole process about 2 1/2 (or was it 3?) years ago and it was certainly NO picnic!
Had two more showings today as well as a showing on Tuesday, so I'm still hoping for that offer.
I'm sure this poor lady sitting next to me thinks I'm some sort of pig or something. I was outside weeding the garden and I saw that the grass was very long. I decided to I mow the lawn when an unexpected showing came through. There was supposed to be another one within the hour, so I didn't even have the time to shower before I left the house. I think I could use a nice hot bubble bath tonight!
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
I got back to MN and checked out all of the hail damage. One of my neighbors is a contractor and he estimates that we have about $24,000 worth of damage to the house, shed, and roof. I debated if I should file a claim or not with it going up for sheriff's sale on Monday, but I think I'm just going to hold off unless I get an offer that says they want me to fix the hail damage. I don't need any extra hassles that no one's requiring me to do, right? I mean, I went through this whole process about 2 1/2 (or was it 3?) years ago and it was certainly NO picnic!
Had two more showings today as well as a showing on Tuesday, so I'm still hoping for that offer.
I'm sure this poor lady sitting next to me thinks I'm some sort of pig or something. I was outside weeding the garden and I saw that the grass was very long. I decided to I mow the lawn when an unexpected showing came through. There was supposed to be another one within the hour, so I didn't even have the time to shower before I left the house. I think I could use a nice hot bubble bath tonight!
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
No Sale
I've had several people ask what happened with the showing the other day. I just thought I'd update in an obvious place.
The buyers put in an offer on a new construction house instead of ours. New construction and forclosures have been our main competition since our house was put on the market almost two years ago. I just can't believe it still hasn't sold!
It figures that would happen. I guess I just must not be meant to sell that house! If it's not sold in the next couple of days I'm going to give MIL some appliances, she needs some anyway. Obviously they're not a major selling feature, so I want to help her out instead. I'll wait until I know there is no chance of selling the house before I give her all of my appliances though. I'm *trying* to hold out hope that it will sell, but I guess I'm feeling that it's pointless right now. I shouldn't let my faith flicker like this, but a candle can't burn if there is no oxygen left to fuel it.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
The buyers put in an offer on a new construction house instead of ours. New construction and forclosures have been our main competition since our house was put on the market almost two years ago. I just can't believe it still hasn't sold!
It figures that would happen. I guess I just must not be meant to sell that house! If it's not sold in the next couple of days I'm going to give MIL some appliances, she needs some anyway. Obviously they're not a major selling feature, so I want to help her out instead. I'll wait until I know there is no chance of selling the house before I give her all of my appliances though. I'm *trying* to hold out hope that it will sell, but I guess I'm feeling that it's pointless right now. I shouldn't let my faith flicker like this, but a candle can't burn if there is no oxygen left to fuel it.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
House Showing Tonight at 5!
Our realtor FINALLY got our price lowered. I tried to get it changed before Memorial Day, but it didn't happen. It was lowered yesterday afternoon and we just got a notice a little while earlier that it's getting shown tonight at 5:00. I sure hope Mom left it clean when she went to work this morning! I want to get an offer on the house so we don't end up having to forclose. I don't really think that I'm asking too much, am I? I guess it won't be the end of the world either way, but it just seems like it would be harder to let it foreclose than for a deserving family to get a good deal on a fabulous house.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
I think Mom is mad at me!
MIL called me earlier. She knows people who have been foreclosed on and they told her that if we want any of our stuff, we need to have it out prior to the sheriff's sale. Mom had plans to stay in the house as long as possible, even after the sheriff's sale. I don't have a problem with that at all, I even told her that. Then I proceeded to tell her that MIL needs a dryer and refrigerator so I am giving her mine before the sale takes place. I explained why to her, but somehow I think she missed the point.
It seems that Mom got defensive and snapped that she's a renter and should have the rights to use our appliances. Well, if I were just taking them for no reason I'd agree but I'd rather help MIL than leave things that she needs for the bank. Is my reasoning faulty? It seems that she feels we are favoring MIL over her which isn't the case at all. I'd just rather help someone I love than some obscure bank who has dragged it's feet in getting my home sold!
Now not only are we getting foreclosed on, but I won't be able to sleep tonight knowing that Mom is mad at me. No matter what I do I just can't seem to win.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
It seems that Mom got defensive and snapped that she's a renter and should have the rights to use our appliances. Well, if I were just taking them for no reason I'd agree but I'd rather help MIL than leave things that she needs for the bank. Is my reasoning faulty? It seems that she feels we are favoring MIL over her which isn't the case at all. I'd just rather help someone I love than some obscure bank who has dragged it's feet in getting my home sold!
Now not only are we getting foreclosed on, but I won't be able to sleep tonight knowing that Mom is mad at me. No matter what I do I just can't seem to win.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Mom got a sheriff's sale notice.
HUH? I though that the OWNERS were supposed to get those??? Apparently it's going to go on the block on June 16, so if there isn't some miracle that occurs before that I'm not sure what will happen. We lowered the price, but still no lookers. We've only had 2 look in the 2 weeks since the price drop. Everyone is buying foreclosures and not even bothering to look at houses like ours.
I'm SO totally stressed out right now I can barely breathe. Where's a paper bag?
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
I'm SO totally stressed out right now I can barely breathe. Where's a paper bag?
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
We need a hair cut!
What a busy weekend! We were in MN for about 3 hours. I felt bad that I wasn't able to take much time to care for the garden I left behind. It looked like all of my bushes needed a "hair cut". Poor things. I didn't take pictures of everything though as there wasn't much lush foliage on them so you would have been looking at a bunch of sticks with buds popping out on the limbs. This is what I went back to.
Mom works full time and drives so far for work. She doesn't have the time I did to care for the gardens. I don't know that she has the knowledge I have either. Not to sound smug, but she didn't seem to know quite a few of the care tips I told her for my plants. Without her help though, I wouldn't have been able to bring back some of my plants that we dug up. I know it may have seemed silly, but you know how the next owner comes out and chages things and tends to throw out some of the poor plants. I didn't want to take the chance that would happen. I love my babies, I want as many of them to continue to live as possible. If that means I look crazy, so be it!
No wonder no one is making me offers, they don't want to take on all of that work!
Once the kids are out of school I think I'll be making a run over to give my gardens the attention they deserve. I'm not sure WHAT we were thinking when we planted these in such a small space! I may try to move these next time. I know I could be killing these plants, but how can I just let them suffer in this spot? They were begging me to help them move. Can you hear their little voices calling out for help?
My three pass down peonies in my back mulch garden were growing beautifully. We had plans of getting rid of this garden when we lived there and now it's overgrown, I'm sure the next owner won't hesitate to get rid of it. I wanted them here in my new garden, so Mom dug them up for me.
In the foreground of this picture is what used to be my rose garden. I've been debating bringing my arbor here, but Cheesehead doesn't sound too fond of that idea. I may do it next time I go anyway though. I can be a bit stubborn that way. In the background you can see another part of the mulch garden. It is huge! I like the screening it provides and the neighborhood kids seem to like to play in it. I'm planning on taking more of my flowers out as well as a few lilac bushes. Maybe if I edit it a little bit it will be easier for Mom to take care of....
These arborvitae in the middle of the mulch garden were more passed down plants. They look a bit windburnt. Poor things! I'd think about bringing them here, but the deer would probably think I just opened an all you can eat buffet for them!
This was one of Cheesehead's little darlings. He dug it up and brought it back with us too. If it survives he has plans to go and dig up the other little ones as well. You're probably wondering why in the world we would need more trees when we already live in the woods. I'd have to say that's an excellent question! Umm, how about we're tring to bring in some diversity to live with all of the white pines?!?
I spent the day yesterday planting the transplants into my new yard. Whew, was that a lot of work! I'd post those but I think I'll save it for when the plants are growing more and I've had a chance to lay down edging, landscaping fabric, and mulch. Looks like I've got a lot more work ahead of me. Today's job is to clean out the garage though, so I suppose I'll have to save more garden work for Tuesday or Wednesday.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy,
Mom works full time and drives so far for work. She doesn't have the time I did to care for the gardens. I don't know that she has the knowledge I have either. Not to sound smug, but she didn't seem to know quite a few of the care tips I told her for my plants. Without her help though, I wouldn't have been able to bring back some of my plants that we dug up. I know it may have seemed silly, but you know how the next owner comes out and chages things and tends to throw out some of the poor plants. I didn't want to take the chance that would happen. I love my babies, I want as many of them to continue to live as possible. If that means I look crazy, so be it!
No wonder no one is making me offers, they don't want to take on all of that work!
Once the kids are out of school I think I'll be making a run over to give my gardens the attention they deserve. I'm not sure WHAT we were thinking when we planted these in such a small space! I may try to move these next time. I know I could be killing these plants, but how can I just let them suffer in this spot? They were begging me to help them move. Can you hear their little voices calling out for help?
My three pass down peonies in my back mulch garden were growing beautifully. We had plans of getting rid of this garden when we lived there and now it's overgrown, I'm sure the next owner won't hesitate to get rid of it. I wanted them here in my new garden, so Mom dug them up for me.
In the foreground of this picture is what used to be my rose garden. I've been debating bringing my arbor here, but Cheesehead doesn't sound too fond of that idea. I may do it next time I go anyway though. I can be a bit stubborn that way. In the background you can see another part of the mulch garden. It is huge! I like the screening it provides and the neighborhood kids seem to like to play in it. I'm planning on taking more of my flowers out as well as a few lilac bushes. Maybe if I edit it a little bit it will be easier for Mom to take care of....
These arborvitae in the middle of the mulch garden were more passed down plants. They look a bit windburnt. Poor things! I'd think about bringing them here, but the deer would probably think I just opened an all you can eat buffet for them!
This was one of Cheesehead's little darlings. He dug it up and brought it back with us too. If it survives he has plans to go and dig up the other little ones as well. You're probably wondering why in the world we would need more trees when we already live in the woods. I'd have to say that's an excellent question! Umm, how about we're tring to bring in some diversity to live with all of the white pines?!?
I spent the day yesterday planting the transplants into my new yard. Whew, was that a lot of work! I'd post those but I think I'll save it for when the plants are growing more and I've had a chance to lay down edging, landscaping fabric, and mulch. Looks like I've got a lot more work ahead of me. Today's job is to clean out the garage though, so I suppose I'll have to save more garden work for Tuesday or Wednesday.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy,
Let's hope we get another offer!
I just heard that we have another showing on our house, in about 2 1/2 hours from now. It's the first one in a couple of months. The third one total since I went back and repainted the entire house and staged it. It was a lot of hard work. I hope it ends up paying off!
I took a risk on thinking the bank will agree to a short sale, but I am hopeful. We lowered the price AGAIN. This time it's listed for less than we need, but I am just going to have to have faith that everything will somehow work out for us. My realtor wanted me to list it another $10,000 below what I lowered it to, but I'm just going to see if this price reduction gets us anywhere closer to a sale. I think the banks would be much more likely to agree to this price than what we were offered last time anyway.
I'm hoping that we get an offer, I REALLY want to get that house sold so we can move on with our lives. Could you please help us pray for a miracle? Crossing appendages has also proven to be helpful. Much appreciated!
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
I took a risk on thinking the bank will agree to a short sale, but I am hopeful. We lowered the price AGAIN. This time it's listed for less than we need, but I am just going to have to have faith that everything will somehow work out for us. My realtor wanted me to list it another $10,000 below what I lowered it to, but I'm just going to see if this price reduction gets us anywhere closer to a sale. I think the banks would be much more likely to agree to this price than what we were offered last time anyway.
I'm hoping that we get an offer, I REALLY want to get that house sold so we can move on with our lives. Could you please help us pray for a miracle? Crossing appendages has also proven to be helpful. Much appreciated!
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
What a quandry!
Well, I finally heard from the banks. It wasn't the final word by any means, but I was full of hope. There was a bit of light at the end of the tunnel. Well, apparently I don't have buyers any more. I'll be able to lower the price once I hear what they want, but now who knows how much longer it's going to be. Will I get foreclosed? Mom says that I got an official looking notice from some official looking lawyer type place. I'll have to wait for the mail to get forwarded, but I'm sure it's probably my notice.
Why can't I just sell my house? Why did I do all of that work again? SIGH. I'm so frustrated! It's no wonder that I'm depressed.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Why can't I just sell my house? Why did I do all of that work again? SIGH. I'm so frustrated! It's no wonder that I'm depressed.
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Does anyone have $5,000 laying around?
Me neither! I heard a preliminary quote from my realtor that the banks seem to be likely to want me to come up with a combined total of $5,000 in order to take the offer I got 2 months ago. I don't know where I'm going to come up with that kind of money. Haven't I lost enough money already? SIGH! Any ideas? I'm fresh out! I don't think I'll qualify for a loan at this point....
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
Thank you for stopping by. Please leave me a message and a backlink. I'd love to hear your thoughts!
Cindy
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