The Boiling Point

In case ya'll haven't figured it out, this ain't Sarah. This is Andy. I think that you should get a list of things that you should expect from my writing, and some things you should not expect. You should not expect a lot of eloquence from me, just not who I am. You should expect more explicitness. In general, my writing is not as good as Sarah's. I apologize in advance.

So, ya'll already know that we are not getting the house we wanted on Denny Street in High Point. Whereas Sarah gets sad at this fact, I have a very different emotion. If emotions had color....it would be red. I'm not talking about the lovey-dovey red either. For my part, buying that house, or trying to buy that house as it turns out, was without a doubt the most financially responsible thing that I have ever tried to do. Not only was it only $50,000, not only was it the right size for my family, not only was it endowed with a nice sized yard for mein Hund to run around and poop in, it was also an investment. It was an investment that I was looking to pay off in at least 10 years. I can tell you why in three words: High Point University. This college is expanding, and it's high dollar, AND its like literally right up the street as you can see in the map.

If this map doesn't enlarge when I'm done, here's the skinny:
the arrow on the left is where the house is. The arrow on the
right is the college. The arrow in the middle is a piece of land
the college is getting ready to develop. See where I'm going
here?

Even if they did not eventually expand more in that direction and offer to buy us out, hopefully for a larger sum than what we paid for the house, the uber-low price ensured a way early pay off. With that house paid off we could have rented it to rich college kids and basically had another income!!! Buuuuut.....water under the bridge I guess. Or as ole Clayton Beahn says "might as well try to put toothpaste back in the tube." Doesn't make me any less angry though. 

Soooooo.....limbo.......otherwise known as my parents place. God bless their souls. It's ok and really close to work, but we need our space, and they need theirs. I guess that families of yester-century used to live like this, and I'm all for having all my family under one roof where I can help them, they can help me, we can all help each other, but not in a 3 bedroom apartment. So we looked around for rentals in the area. We found one that was just freaking awesome but with one drawback: location. North of Greensboro. Too far away from work and everything that we want to be close to. This is where Sarah shows her true awesomeness.....with a little cajoling on my part. I started talking about the house that my ex-wife lived in. Good school for Haddie, close to her (Sarah) friends, the boys have friends in the neighborhood, I hardly lived in it with my ex-wife (at the most I stayed there for 1.5 weeks at a time), it'll save my credit, blah, blah, blah. She has agreed to, maybe not happily, but not too angrily either move into that house....and make it her own. Sounds too good to be true for me right? Well, it has conditions, none of which Sarah is demanding. First, the mortgage company is going to have to modify the loan to a payment we can afford. $1100 a month ain't gonna cut the cheese here. Second, and this is one I did not really see coming because of previous conversations, I have to convince my ex. Previously, when we were in the Denny Street home buying process, she suggested that we just move into the house in Thomasville. OF course we said no because we were of the impression that we were going to get a house, and what self respecting woman wants to live in her husband's ex-wife's house? Now that that deal has fallen through, after considering options, we have decided to do just that. Speaking of the Denny House falling through, is it just coincidence that my ex decides to quit making mortgage payments when we are in the middle of a home search/buying? I have my opinions, but I'll let you decide. She says it is indeed coincidence. Anywho....now she says that she doesn't want us to move into it unless we can get her name off of it because she does not want to be tied to me anymore. She told me, and I quote, "I would rather foreclose on that house and ruin both of our credit scores, than for my name to still be on it with you living in it." End f@#king quote. 

I know Mr. President, it doesn't make sense
to me either.

To top that, I submitted a work out package with the mortgage company on the 23rd of October. I have called my assigned "Relationship Manager" damn near every single day since then. He has yet to answer the phone. I leave messages asking that he call, or at least email, me. To no avail. Do these people want money or not?!?!?!? 

Andy gets angry.

Somethings I refuse to do:

1. Move my family into this house, and start paying what we can afford, before I have some reassurance that they're not just going to foreclose on it. Not that my ex will let me anyways.
2. Have them take my ex-wife's name off of the mortgage before I find out if they are going to make it to where I can afford it. If it goes under with my name on it, her's will be right there beside mine. 
3. Make any payment on a house that I am not living in and which default I'm not morally responsible for. 

Yes, I know I'm LEGALLY responsible. But dammit, There's principalities involved here Smokey!

So tomorrow I will call the mortgage company, again. And I'll probably have to leave another voice mail, again. But know this, every time I call them I will get a little more belligerent until I get some sort of result. Oh, and just so ya'll know, if you call my phone...you will be recorded. I have an app. I could say that it is for quality assurance and training purposes if that makes you feel better; but let's face it, it's for evidence. After dealing with these mortgage companies I want to be able to prove what I was told.

So there ya have it folks. There's an update from my perspective. Hopefully it'll be us that lets you know what happens next and not a story on the news of some perfectly normal couple suddenly breaking bad on some bankers!! (just kidding, maybe ;-) )