WOW!!! did I get a wake up call!
April 20, 2009 8:36pm CST
I have had a sinking feeling in my gut about the house I am buying for about 2 months. Something just got to me and I finally broke down and talked to my husband about it. I don't know what it was or what was wrong but it was something. Well we had heard rumors about the land that our house sits on would never be ours. Kinda hard to believe but something kept eating away at me about it. Well come to find out I will never own the land. The builder leased the land and once the lease is up the land goes back to the government. Then I went to the tax office and there is 5 years of back taxes owed from before I moved in the house. So the hubby and I decided we need to move. I am at this point upset because the luck my husband and I have plus we do not have great credit so getting another place is going to be really really hard. So I go to place A. Come to find out he could most likely get us financed!!! YAY. Then find out my husband has a judgment instead of a foreclosure on his credit. BOO! Then to find out that the docket number on the credit report is incorrect! YEAH! IN 30 days it should be off and we will be able to get financed!! What an emotional roller coaster this has been just to get a new place. I have filed disputes with all three credit bureaus so hopefully in a couple months I will have a new home that is actually will be ours!!!! So a tip if you want to buy a house: GET A TITLE COMPANY!!!!!
• United States
21 Apr 09
another thing, to prove that you didn't live there during those tax years, find records of where you did live...whether it be a paystub with old adresses, going to the schools where your children went, old reciepts of utilities, mortgages, even an old license that you managed to keep, copy of the contract where it's dated when you first moved into the house. make copies put them all in folders in a file cabinet. if you have the equipments, scan them to your computer where you can alwyas have them. i'm finding a scanner for my computer so i can start doing this myself.
• United States
21 Apr 09
Congrats! When my ex and I bought our house many years ago the title company found something from two sales before us that could have caused problems for us. It had something to do with a divorce and they had to contact the heirs of a then deceased woman and have them sign off on the property. So, I agree with you 100%. A title company is something no home buyer should overlook.