With getting their first place? Right now we're on month 4 of trying to get our place and everytime wit seems like we're about to get it, something comes along and derails the process.
Background: The previous owners went into foreclosure due to the banks overlending him money during the housing boom right before it went bust. Now the guy was forced out. We expressed interest in the place and began the process of getting it. Apparently the previous owner borrowed from THREE different banks and now each of them are wanting a share of the money that we're putting down to get the place. We've been delayed for 4 months because they were procrastinating and plotting to get more money from us, but our broker managed to agree to an extra $5000.
So today, the paperwork is signed to officially close on the place and now the Homeowner's Association wants us to pay the HOA fee for the previous 2 MONTHS even though it's been sitting empty, we still don't own it just yet and because the previous owner "is broke and can't pay it". Even if the guy is broke (and should be in JAIL), the place is completely devoid of people, therefore what's the justification in paying the HOA fee for an empty place that is owned by no one?
So we're waiting for the agent of the HOA to come back and give us "their decision". Meanwhile, I'm looking up attorneys. I don't know how I'll afford it, but this recent event has pushed me to my ultimate limit and I'm not going to let them hold our place over our heads after we agreed to everything they've asked of us up to this point over a fee for an empty apartment.
Am I being irrational? Has anyone experienced this when it came to getting their first place? I'm just so tired of having the carrot dangle in front of us and then have it pulled away when we reach for it.