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Wow! The housing market was so high, it was bound to crash. That's the way it works though. I mean, prices were going sky high. They couldn't stay that way forever. That's why it's called a "market".

So glad it worked out for you, Owen. Good luck!

Your property is only "worth" what someone is willing to pay for it. If you aren't selling your home, borrowing against it or trying to buy, why should it bother you?


Congrats Sweetowen Glad it worked out for you.

Thanks! I'm very nervous right now.....

so very happy for you!!!

Wayyheyy! You did it! well done!

I gave my notice to my landlords last evening. Mind you, we haven't been getting along the best lately. But I thought they'd actually be glad that I was leaving. Well, the landlady came over with the note in her hand & said, "You know, you're breaking your lease." I was like, "No I'm not. I'm giving you 60 days notice, as the lease states." She informed me that the lease runs year to year, automatically renewable. But she said, "We're willing to let you out of it, as long as you pay for July." Well, no sh*t!! I was planning on doing that anyway. But only for 1/2 of it, as I said I'd be out by July 15th. Who cares?!? I just want out!! I went back inside & called the realtor & said, "Please tell me the house is still mine!" She reassured me it was & I felt better. Why do people have to be such jerks???

Awesome news steetowen I bet you have immediate plans of renovating said house.....

sweetowen, there is a difference between things coming to the point normally, and what I see as a bunch of scammers bringing it all crashing down (yep, those lenders giving the loans to clearly unqualified people are as much to blame as anyone).

kidatheart, of course I am trying to sell. But I should also explain that
1) I didn't ask for this mortgage, I inherited it.
2) I do not live off credit, I actually PAY the damned bills.
3) I did without a LOT to slam triple payments at this mortgage company to go after the principle as fast as I could, so the place is practically paid off.
4) Not in default, because I didn't screw up, but get to lose how much on the sale of mine because of what someone else did.
5) Need to factor in that the depreciation rate in all areas is not the same.
6) Selling because of the place being way too big and all for me to deal with after the negligence of a certain jack off left me disabled (so yeah, that makes me cranky about this whole thing too, irresponsible jack offs in general LOL)
7) Getting ready for an open house tomorrow, and doing things I'm not really supposed to physically, so VERY sore and tired at this moment, so yeah, I hate the world right now LOL

OW OW FUCK OW!!!!!!!!!! (pain causing sleep deprivation, causing major goofiness, is this what "drunk dialing" is like?)

And Sweet, I would have to read the lease/rental agreement before I would know what to say about any of that. HA! Not quite that goofy.

Unfortunately, with our economy what it is today, some good, honest people are losing long-standing jobs. They went into home-ownership not ever thinking they could lose their jobs. I'm talking about people who were with one company for decades. The company downsizes or moves the office to Mexico & there goes their income. There are unforeseeable circumstances, which not even the lender can predict. A person's life & situation can change so drastically & quickly, sometimes overnight. I sympathize with you for having to go through what you are going through. But many of these people are honest, hard-working people who have gotten caught up in the hard times of our economy.

Oh hey, never meant to imply that every person going into foreclosure is a screw up. Bad things happen to bad people. But, if you didn't add all the screw ups into this, the overall might now be so bad, and those people who just lost jobs, would at least be getting a better price for the homes they are forced to sell, giving them more to work with on the way out.
People with huge mortgages, I can't even imagine getting myself into a mess like that, much less getting out of it. Guess I am just a big old weirdo, I save up the money and then buy. The way I have always gotten everything I have. Never got a car loan, just took the bus til I had the bucks. etc. When I leave here, what I take with me will pay for the next one, and under no circumstances will I buy another house that costs more than what I have to spend. Doesn't matter if I WANT more if I don't HAVE the money, I just deal with that.

I have closing next Friday, June 6th at 9:00 am. I'm getting excited... & nervous! But I can't wait!!

whats that I hear house warming party

congratulations

Yep! Do people hold them for themselves or wait for a friend/relative to have it for them?

its all about you go for it

Cool! Thanks!! I feel a "Cosmo night" coming on!!

I never thought I would say this, but-This time I agree with aseeker.

When a lot of houses have been foreclosed in your area and a lot of houses on the market....... The value of your property go's down the toilet. then you are still stuck paying the high taxes on a house that is now worth half of what you gave for it.

Also, many of the loans that were made are truly Illegal,
How right is it to put into the fine print that you can not pay the house off early? so if you ever do re-sale the house and pay off the loan - you have to pay one heck of an extra fee for doing so.

sweetowen:
Great for you!
Now will be a great time to see who your real friends are! Those that will actually help you move!

How new of a house is it?
Just an idea.. maybe put a picture of it in your profile?

I think someone should give it for you. But I'd have to find Emily Post to be sure.


Congrats Owen. So happy for you!!

Thank you! I'd love to post a pic of it, but they've taken it off of the website & if I scan it, it won't be that good.

If you have a camera phone, you can email it to yourself and then post it on your profile.