Thank God I am not a Short Sale!

Let me start by saying thank goodness I am not a short sale!! Let me explain how I got to this. As you have read over the past few days I have been fighting Lennar Homes over the land use here inWoodmont. Our community is having an emergency meeting tom night and the president of the association rang my doorbell and asked if in my Warranty Deed was there any mention of the golf course.

I told them I would look at my deed and bring it with me. So I pull out the folder I had from when I closed on my house close to 10 years ago, and before I was a REALTOR. Going through all those pages I couldn’t find my Warranty Deed nor my Title Insurance. So that got me into thinking of when I was suppose to get them. I thought it should have been in that package.

So now on the hunt to find these papers. I called the title company that I did my closing and come to find out that they are no longer in business. OK now where do I go. I wasn’t sure if I was suppose to call the mortgage company I am with now since I had refinanced two years after I bought the house to change the type of mortgage I got, but changed companies at the same time.

I told myself what the heck let me give it a chance. I called the first time and the number they gave me was a fax, I called a second time and spoke with someone else. Then we got to talking as to why I needed the number. The guy was able to email me the Title Insurance and told me that I can find the Warranty Deed info through them.

So now we are calling this company and trying to read the papers of the insurance was confusing because they were asking me for the OR number. He looked up the number and couldn’t find the Warranty Deed. My thoughts are, Are you kidding me, was it not recorded? Do I own my house? The man just told me to calm down, we will figure this out. I then told him about this being the REFI and not the actual purchase.

He checked another place and viola, there it was, it was on a whole other page. Now what I need to do is to take that number and page down to the Broward County Courthouse and get copies.

But can you imagine if I was a Short Sale how crazy this would be, not having the right papers here, the refi, different pages. Glad I was able to figure it out and now pick up the papers tom.

Have you bought your home recently? I suggest you check to see if you have your Warranty Deed and Title Insurance. I gets sent to you after you close your home. I think somehow mine was not sent. I might not be the first person who is going through this, but at least you know what I had to do to find it.

Jeannette Neerpat