We closed on our house last Thursday. On Friday morning, I called the city to come out and check their lines, the plumbing was backing up in the house and I had been told that having the city come out was the first thing I should do. Well, the wonderful (no, really, they were great) 3 men that ended up out there informed and showed me that our house was in fact not hooked up to city sewage but on a septic tank. I was thoroughly confused because all documentation we had seen, all the listings for the house, stated that it was hooked up to the city sewer. This is called misrepresentation. HUD and the listing agent sold the house to us lying to us, telling us it was on sewer, we had ZERO reason to question this.
The very first thing I did was call my wonderful real estate agent, and friend, Heather Larson. She immediately called her lawyer and then the title company to get the deed stopped. This way, we would not be closing on a house that had any major issue.
The city of Newport News has a grandfather clause which allows houses with access to sewer hookups to still be on septic tanks, BUT, if ANYTHING goes wrong, we are not allowed to repair or replace it, we have to tie into the city sewer, which can cost upwards of $6000 dollars.
After many, many phone calls and bounce arounds, this is what we were told/found out
- Get an attorney (LOTS of money, like over $1000)
- Have a septic pump/inspection ($450 dollars)
- Get a letter from the nice water works man proving what we say is true. Hello, why would I make this up!?!?
- Have slobbery break down in front of parents...oh wait, not on the list, just happened in this order.
- Pray, pray, pray and pray
After all this we were faced with the decision of whether to go ahead and close on the house (and then have to chase the money down that this is all going to cost us) or hold off, rack up a ton more expenses by delaying closing, and not get stuck with a potential $6000 time bomb. We got to make this grand decision in about 30 min. So, we decided to close. We have already invested so much of ourselves and our money in this place. But we made this decision at 4:30, giving some person in VA Beach 30 min to get paperwork filed in Newport News Courts. Possible? We have no clue. They never called us back. Typical, oh yes.
So, moral of this story. I have no clue tonight as to whether or not we are home-owners and tomorrow is pretty much guaranteed to be pretty stressful as well. I am emotionally drained but I'm not worrying about tomorrow tonight.
HUD has been absolutely horrible throughout this whole process. Heather Larson and her people are the only ones who have done their jobs well this entire time. She has been amazing, *shameless plug*. No matter what happens here, we are going to fight this system. It is ridiculous what they put you through.
Anyways, say a prayer for us. We need it. I'll let you know more tomorrow.
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