It is Over

On several occasions I have asked those who read this blog to pray for the housing issues I have had. 

Back in January 2008 I was given six months to find a new job and at that time we had only owned our home 11 months.  I have talked about how hard this was on my and family and me but one of the things that was particularly hard especially for my wife and I was the house – what would happen with the house?

We tried to sell the house but this was at the point when the housing market was falling apart.  Our house was underwater financially and there was no way out.  We had people come through the house – a lot of people come through the house – but no offers.  We then switched tactics.

We then had the house on the market to sell but also added it in to rent.  We had several people who were interested in renting the house and about two days before we moved we signed a year rental agreement.  We could not rent the house for what the mortgage was and so we lost our shirts so to speak renting it.  It was nice having renters but they were moving out and now we were stuck with an even worse housing market and we could not afford to rent anymore.  We then went to plan b.

Plan b was to short sell the home.  We put the house back on the market and began the process of trying to short sell the house.  We went several months with nothing then we got an offer and the offer went to bank and we were praying that it would be accepted.  Word came back that it was not accepted by the bank and we had not been paying the mortgage and so we were in need to do something different.

The new idea was to do a deed in lieu of foreclosure – giving the house back to the bank.  We were approved for the deed in lieu and on Jan. 21st of 2011 we signed and it was notarized.  In Feb. we were told that everything with it was taken care of.  In late April we found out that the negotiator we had quit and that created issued with the deed in lieu. 

Over the course of the summer we found ourselves battling each week trying to get this taken care of.  In November I was told it was in the hands of the lawyers and basically finished. In the course of  time we were not paying the Home Owners Association fees because the mortgage company told us they would pay them.  On December 23rd there was a knock on the door at 8:30pm and it was some dude in a trench coat who asked me my name.  I told him and he told me he was serving me court documents.  I was being sued by the home owners association.

I did some research and found on Jan. 5th of 2012 our house was recorded in the county courthouse and was no longer ours.  I was frustrated and sent out a tweet a week later that resulted in this post.  All along I had a nagging thought  (which I believe came from the Holy Spirit) which was that as of Jan. 21st  we did not own the home and we were paid up on our HOA fees at that time plus the mortgage company give us a cancelation of debt and was dated the 21st of Jan.  I did some research and really thought this was right so I sent an email to the attorney for the HOA a week ago Friday and on Monday I got this short response from the attorney:

It appears that you are correct.  I will dismiss the lawsuit and follow up with you in more detail by letter.

This past Thursday we got the official letter from the Attorney.  It was like a weight lifted at the moment I read the letter because it has been a long hard road with this house but it is all over – Praise God!  Thank you to all who prayed!  You have no idea how much your prayers mean to me! 

Have you ever had something that happened that was like a weight being lifted?