So, my weekend has not been good.

First of all, I got into it with my Mom yesterday for God knows what. We seem to butt heads a lot lately. So I had that stressing me out at the start of my day. Then while on the phone, still going at it with my Mom but actually talking to my brother at the moment, I get a knock on the door.

It’s the nice mailman. He has a certified letter. GREAT. I freaking love when people knock on my door with certified letters. :grumpy:

Turns out, we have to either a) move or b) buy our house.

Our house is a lease to own. Meaning, every single cent we pay on the house gets taken off the purchase price of the house, and we as good as own it, we just don’t hold a mortgage on it. Why not? Well when we saw this house for sale, we wanted it. When we asked about it we found out they do lease to owns and that would mean we could move in without getting a mortgage. We could have gotten one, but it just didn’t seem like something we should do at the time. We would have, but after finding out we could lease to own on it we decided that would be better and give us time to prepare to actually buy the house at any time we wanted. That was the plan. March 1st marked one year of living here and we have already paid $36,000 on the house. We aren’t in any rush to buy the house, because we didn’t need to be. We wanted to pay off a huge chunk of it first before going to get a mortgage.

Well that was until yesterday when we got this letter. It turns out, the guy who actually owns the house, basically has fallen off the face of the freaking planet. He is no where to be found. The company we pay our lease payment to, handles the house for this guy and the guy pays property taxes and other fees associated with this company handling his house for him. Well the property taxes are behind, and due again, totaling aparently in the double digits. We had kinda known for quite some time that people were trying to get a hold of this guy because he has been served papers at our house several times and I’ve had to tell the sweet little deputy every single time, “Sorry, he still doesn’t live here.”

So, now the bank is foreclosing on this guy’s house. Our house. According to the paperwork on the house, the house is as good as ours. We’re the only ones who can buy it. Except the small little tiny itsy bitsy detail that guess what, THE REAL OWNER SUCKS. It was, I suppose, pretty stupid to feel so confident that we would be living here until the end of time when we didn’t actually own the house yet. And I suppose, it could be possible that something has happend to this guy, but…. it looks pretty unlikely that that is the case. And if it is, well then I suck.

The thing is, the company who we work with for our house, this was a special deal on this house that they worked out with that guy. They don’t actually run all their houses this way. It was a special circumstance that was handled differently than all their other houses. All their other houses, THEY actually own and so the only way they get foreclosed on if if THEY don’t pay their end of things and well, that’s not likely to happen with a company like this. Preston talked to the guy on the phone yesterday and he admitted to this being a special case that he shouldn’t have even taken on, and now they are paying for it and so are we.

So what do we do? We can try to get a mortgage. We probably can get one. I don’t see any reason why we couldn’t… besides the fact that we just aren’t prepared and have not exactly been planning on buying the house yet. We had a plan in place for how we were going to buy the house, and I freaking hate when people mess up my plans. The plan was definitely not to be rushed and forced into buying the house when we’re not ready. I’ve been thinking about this basically non stop since yesterday. For some reason, I don’t know why, I have this huge gut feeling not to buy the house. I just do not feel right about it at all at this point. I have no idea why. Of course everyone is telling us it would be stupid to not get a mortgage on it but seriously, I have such a strong, werid feeling against it for some reason. It’s really confusing me.

The other option - move - is not that bad. Besides the fact that I absolutely love this house, the area, our neighbors… it would be sad to leave because of the awesome community. Other than that, it’s not such a bad option. Sure it could not have come at a more inconvenient time. We had just got our nursery bedding and planned out the whole nursery (which, by the way, is going to be so freaking cute) but at least we didn’t actually start it yet.

And, we can move into another property that is actually owned by the company we are currently working with, and not owned by some guy who they worked out a deal with. So, we can move into an even bigger house (sweet! as if 5 bedrooms isn’t enough already… ) and have the same monthly payment we do now, and all $36,000 that we have already paid on this house will get transferred to the new house and then if we want to buy a new house that we move into, we will be able to take every penny we have paid on this current house and the house we would move into, and take it off the purchase price of that house. Same deal that we loved, different house. Bigger house. Bigger investment when we actually do buy the house (which was only going to be a year or so down the road in the first place).

So what are we going to do? We’re going to go look at houses. If we find one we love just as much, or more than the current house, we will move. If we can’t find one that we love, we’ll try to get a mortgage… even though I have this strangely strong feeling not to buy this current house. We both hate moving and with me being pregnant, that really sucks. The good thing is, the company is paying all of our moving costs if we do move. That is really nice of them since they don’t have to do that. Plus, all the houses they have available are brand spanking new, built in 2006, never been lived in, and bigger than our current house. Hey, we plan on having lots of kids, might as well have an even bigger house.

I really don’t see how moving would be that bad. We can do the lease to own and basically pick up our plan where we left off as far as actually buying. We pay a lot of money on a lease every month, and I personally like it that way because it forces us to pay off a lot on the house. Which, makes the purchase price go down, which is good for when we get a mortgage. The house will appraise at much, much, much more than we’ll be asking for from a lender. And, someone stable will actually own the house until we can buy it. Unlike this house, which we had no idea the owner was a low life who would run off and try to get away from his responsibilities.

Either way, I’ll keep you posted.