We decided to buy a house

[Kimbear 53]

So i put an offer on this house almost 4 months ago right?....and it was supposedly approved and we wer just waiting for the fha loan etc...

well i just got an email from my lawyer....

the hosue was forclosed on and sold and is no longer for sale...

so now..i have no home no where to live nohting nada zip...

how hte ** did this happen...4 months. of...wasted time money etc etc etc...

Can this even happen up in Canada?....

I dont know what to do...i just feel so lost...ever god damn turn since i met my husband then fiance has been nothing but an up hill battle...and now this...

after over a year of waiting for a effing k1 they shoulda just said permanently denied if they didn't want me in thir fvucking god damn country...

i think my heart has just about had it ..period...

[Moosker 7]

Oh gosh Kimbear I'm so sorry!! That TOTALLY sucks.

So, after an initial meltdown, I would start to look at it like (to make myself feel better) that maybe there were things wrong with it, and it was better that I didn't have it. Stupid, I know, but that's how my mind works.

Boo.

[Flames9_RN 358]

As usual I have nothing wise to offer, but sorry! When it comes to buying a house, I think things happen for a reason! (I'm not a religious person, so its not an act of god either,lol) This just wasn't the right house for you and a better 1 will show up! Sort of happened to me in Victoria, was a few houses I really wanted, but it just dint work out, back then I wasn't prepared to get into a bidding war for a house. But in the end I found a great house and was much happier in it, then I would have been in the others!! Of course I didnt see it that way at first, was pretty ticked off, disappointed, but in the end it worked out! Not going to tell ya not to worry, or get upset, what good does that do? lol You have every right to be upset, ticked off, disappointed, but in the end, you wil find the right house!! Take a breather, and get back into the saddle!! At least now, you can cross some of the idiots off you list, and know better not to work with them!! Only like 1 trillion other idiots out there, but at least a few less now,lol Keep smiling, and good luck

[Kimbear 53]

gota letter from sellers attorney just now..it was sold at the sherrif's auction today..

i find it very unlikely NO ONE knew it was going for auction and that it was legally not allowed to be even sold.. coulda swore they had to give exisiting owners that live there 30 days notice..which means the sellers realtor that told us it was approved and ok for the sale at 66k was lying...

[Udella&Wiz 325]

Wow - that's just really crappy. I agree that someone must have known something or at least that it was getting close to some deadline. The best you can do is think of it as Flames says - I'll bet that house would have had some major problem next month or it will turn out the neighbourhood is horrible and you wouldn't have wanted to live there anyway. Protect yourself and consider that maybe this turned out for the best....stupid, freaking realtor. Can your agent contact the seller's agent and find anything else out? I hate that you've been taken advantage of and wasted so much money.

Try not to drag this housing experience into everything else though. You know it's not related to immigration or anything else, it's just an unfortunate situation. Yes, it can probably happen in Canada too, I doubt there's any difference....but it doesn't really matter now, does it? You're here right now.

Best of luck.

[Flames9_RN 358]

I would be finding a new Realtor as well!

[Moosker 7]

I would be finding a new Realtor as well!

I second this!

[Krikit 1,165]

gota letter from sellers attorney just now..it was sold at the sherrif's auction today..

i find it very unlikely NO ONE knew it was going for auction and that it was legally not allowed to be even sold.. coulda swore they had to give exisiting owners that live there 30 days notice..which means the sellers realtor that told us it was approved and ok for the sale at 66k was lying...

The sellers would have received a number of notices prior to foreclosure. If they didn't communicate this with their realtor then the realtor is running blind. We were in the same situation..... I may have mentioned that previously. The only reason I found out about the foreclosure (while our contract was pending) was because we had taken early possession.... which is a risky thing to do in a short sale process but we went in with eyes wide open. Fortunately, the bank bought back the home at the auction because the bids did not meet the outstanding loan. We immediately went into full-on pursuit with the bank once that happened.

Okay, I just googled the address. You may be okay, Kimbear. It appears the bank may have bought back the property and you can go into the next phase.... like we did. Start at this link and keep googling to see what you can find out. Better yet, give the info to your realtor and have them work on this also. If the bank bought back the property then it will go to the asset manager. You/your realtor, need to find out who the asset manager is and get on their case. They have piles and piles of foreclosure files and they're not going to pick one up until someone keeps bugging their #### to do so. If you need to call me for some help, I'm here for you. Good luck.

http://www.dupagesheriff.org/foreclosuresale.asp

[Kimbear 53]

i swear i'm going to be a bloody expert on this ####### soon..lol..maybe thats what i should go into or a job since i dont have one yet...

ok i did some research on the forclosure notice that was done a year ago..found a nifty site..wehre you can tell who you loan servicer is..its a site called MERS...its listed i on all the deeds i noticed.." mortgage electronic registration service".

so i went there and found out the history of mortgage companies servicing this address was.

research has shown the company originally doing the mortgage Magnus financial went bankrupt a few years ago and sold off all the mortgages it owned to Aurora who is now..obviously overwhelmed.

there was also a delay in forclosure paperwork at the county level...dupage has nothing listed since last year but in MAY there was an updated forclosure notice done..which of course i can't access due to all these damn pay for it sites..not even on HUD!!! ..so lame. and i'm not coughing up 50$.

details of the auction will take a week to find out if it was sold or kept by the bank.. David talked to our realtor..who is not the one that was selling the house..(btw dont believe the "reo and short sales are my specialty BS..that century 21 chik new nothing..not a damn thing).

Susan our coldwell banker realtor is calling Aurora to find out ####### is going on with the hosue and to see if its possible for us to still get it...

In the meantime i'm still looking at houses but pickings are slim..most of the ones i would have been interested in OF COURSE are all sold...LE SIGH..

And thats another day in the life of Kimbears attempt at buying a home in the U.S.A...

[Moosker 7]

Any updates Kimbear? Good updates I hope

[Kimbear 53]

sorry to dissapoint..but nada zip nothing. going on 3 realtors now since the auction..i have yet to have anyone help us or get a reply on anything. no new houses on the market, the ones i was interested have been sold, others are not fha approved.

Been stuck in one room with hubby 2 dogs and naught but a bed and clothes for over a month now. Tired of ppl telling me how to use a stove, a laundry machine or how to cook. Im not a baby i'm 37 years old. Think i'm slowly going crazy.. mood swings..anger outbursts etc.

Seriously contemplating going to stay at my uncles in Niagra Falls Ontario, so i can get a job there and get a place to live. At least up in Canada my credit counts for something. Here they tell me i need 3 years of USA credit to ever consider buying a house or car or anything.

I even contacted an REO specialist referred to me by a friend, still no answer from them on anything. I guess no one wants to sells houses to us. But that pretty much sums it up and is why i haven't been around much. Too depressed to do anything lately but cry and sleep.

[Moosker 7]

Have you considered TD Bank? They are now in the US, I know they will use your Canadian credit history here in the US for a mortgage. As does RBC Bank.

Keep your chin up girl!!

[Kimbear 53]

And another realtor bites the dust..sigh

"I wanted to avoid you any further heartache after the last bump in the road. I can not tell you just how sorry I am that this turned out the way it has. I am not able to help you reach your goal as you have outlined below"

Thats what i got today from my realtor. So thats umm 3 realtors that have com and gone i think? yeah.....i dunno. Anyone know a forclosure specialist in illinois?