We've been house hunting for over a year now. We have really tried hard to follow the Spirit.
The first house we really liked, we were preparing to write a contract for it but felt we needed to walk through it first. After walking though it the second time, I knew it wasn't to be. I had a knot in my stomach that got worse when I thought of it. I was quite sad, and confused. Why did it feel so right the first time we went through, then so wrong the next time?
The second house we felt drawn to was beautiful! double sided fireplace, spacious kitchen 1.5 stories Nice sized living room, and a bonus room, HUGE pantry, etc...perfect for our NEEDS!!! The sellers were over priced by about $12,000 compared to other houses being sold in the neighborhood. We made a decent offer... what other houses of that size and land were selling for... and asked that the sellers pay 50% of the closing costs ($4400) The refused that offer and held their ground. We came back saying we'd come up $5000 but still wanted them to pay half the closing costs. They countered by dropping their asking price by $1400 and refused to do any of the closing costs. Seeing as how they were pretty firm on what they wanted, I was forced to walk away... Completely saddened, and disappointed. I had been envisioning how I would decorate it. That hurt. I still think about it.
The third house we saw and quickly became interested in had everything on our list of needs, as well as all of our wants! We started seeing problems up front...mostly from the seller's realtor. He was slow to return calls, or emails if he got to them at all. He had discrepancies from realtor's reports to buyer's reports like he was trying to trick the buyers. We liked the house enough that we were willing to look past his character. Our realtor tried to contact him numerous times and he took weeks to respond if he did at all. We wanted to write up an offer, but wanted to answer some questions we had mostly about the discrepancies. We were in the process of waiting to hear back from him, when I went to show a friend a picture of the house we were interested in. I couldn't find it! The MLS number wasn't matching anything in any of the databases! I contacted our realtor, and had him run a search for it. He found out the seller had pulled if off the market for the time being. On the Realtor's notes page, it stated that the house was NOT to be shown until after April 09... we found it odd, and at that point started pulling away from the house. The other day, Mike drove past that house and saw a for sale sign in the front yard, but it's still isn't showing up on the market... Something fishy is going on... at least I'm not involved in it now! It was sad to walk away from that one, but made easier because the whole thing had been pulling teeth.
So this last weekend, we saw a listing we felt we HAD to see. Huge, and well in our price range at ASKING price! We found out it was bank owned, not a problem, we can deal with that if we need to! We did our walk through. Knew this house would be wonderful for our family. We saw things we felt we'd need to change or fix for safety, and felt we could handle it all. So we came home and mulled over what we thought and how we felt. Both Mike and I talked it over with our families discussing the pros and cons... and felt like we wanted to make an offer! So today, in preparation to making an offer, I called our insurance company to get a quick quote... We found out it's UN insurable... apparently the previous home owners made 2 claims in 6 months for a total of around $3600.
We are so heartbroken! Again, it is something the OWNER did to effect us being able to get a home! We couuld probably change insurance companies, but with those claims stuck to the property it would be sky rocketing the rates. AND we found out the bank has an addendum that we would have to sign, and apparently it's pretty tightly in favor of the bank, and we'd be "screwed" from that side of the table too.
SO, to recap...we are sitting at a table us on one side, the bank on another side, and the old owners claims, and the insurance company surrounding us. We can't win. So, we walk away yet again, heart broken and devistated.
Goodbye House!!! We could have been great together!!!
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