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I hate being an adult.
Nov. 21st, 2002 02:38 pmOk. About two months ago, I made the motions to start refinancing my condo, because the rates were good, and I could use the extra cash. First I had to call around to all the various insurance companies and get condo contents insurance coverage. Most of the time, mortgage companies will want you to show some proof of coverage so they know that they're not going to just lose money on shit.
It took me about 2 weeks to get anywhere with coverage because my existing car insurance company (State Farm) apparently had quotas on how many homeowner's policies that they could write. So I finally found a company that would cover me (Farmers), paid their fucking blood money, and got ready for the refinance.
After shopping around for good rates, I actually put an application in for my refinance with a company who took my application (along with a $300 application fee). At one point I had to meet a guy at my place so he could appraise it, and then...nothing.
For two weeks.
When I finally get some news, it's bad--some litigious bint who lived here for less than a year has decided to sue the Homeowner's Association and the Developer of the place for water damage (to her bloody furniture). Someone please explain to me how the damned homeowner's association is liable for water damage? How does that make any sense?
On top of that, because the HOA has only been in the control of the homeowners since January of this year, the refinancing's underwriters have determined that the mortgage will be unwarrantable. Eh? All of this means absolutely nothing to me. I've been paying the fucking HOA since October of 2000. How exactly does the voting control of the stupid thing matter?
Well, I can bitch and moan all I want, but the bottom line is that
I need to find out who sued the HOA, so I can spit a chocolate-oj-milk-based loogie on her if I ever see her again.
It took me about 2 weeks to get anywhere with coverage because my existing car insurance company (State Farm) apparently had quotas on how many homeowner's policies that they could write. So I finally found a company that would cover me (Farmers), paid their fucking blood money, and got ready for the refinance.
After shopping around for good rates, I actually put an application in for my refinance with a company who took my application (along with a $300 application fee). At one point I had to meet a guy at my place so he could appraise it, and then...nothing.
For two weeks.
When I finally get some news, it's bad--some litigious bint who lived here for less than a year has decided to sue the Homeowner's Association and the Developer of the place for water damage (to her bloody furniture). Someone please explain to me how the damned homeowner's association is liable for water damage? How does that make any sense?
On top of that, because the HOA has only been in the control of the homeowners since January of this year, the refinancing's underwriters have determined that the mortgage will be unwarrantable. Eh? All of this means absolutely nothing to me. I've been paying the fucking HOA since October of 2000. How exactly does the voting control of the stupid thing matter?
Well, I can bitch and moan all I want, but the bottom line is that
- I need to do more running around to get my place refinanced,
- I'll probably get a higher rate than what I locked in at, and
- Dealing with mortgage companies is about as fun as I'd imagine being the recipient of lubeless fisting would be.
I need to find out who sued the HOA, so I can spit a chocolate-oj-milk-based loogie on her if I ever see her again.
