having just sold would i ever want to buy again? vent ok rant

16 years ago

I write this on hold with my lender because I got an email from the title company processing the sale of my house that oh......its all done but Wells Fargo went ahead and paid the property taxes and that was already included in the payout paperwork - none of which I have seen because I'm in another state by now - and so I owe 2036.00. When I called back the woman at the title office couldn't find out who I was supposed to call because she lost the sticky note. (This after I had to fill out and have paperwork notorized and fed ex'ed twice because the first set of paperwork)

I called WF myself, got cut off by an automated system twice after hearing an automated system telling me my escrow account was in the hole 2635.64 NOT the 2036.00 title co emailed me.

You know, this is pretty freaking stressful. I can't even figure out if I'm getting screwed because the property payment thing is so complicated - why am I paying for the next 6 months? Because the next 6 months is actually for the last year or something. No way I can figure this out, especially with no paperwork so I will just have to pay it.

House sold for 275, loan payment should have been around 96, I got like 156 in my bank account. 23,000 to sell a house. I'm wondering who to sue for my heart attack.

So here I sit after having lost my shirt on the house, having moved while it was still on the market and I have to wonder - I was gone for 2 months and the house sat empty. I filled the disclosure out when it went on the market. What if something went wrong while I was gone? Do I now get sued?

I lost a bunch of money

I get to pay more after closing and possibly have my credit rating at risk

I get to spend a bunch of time dealing with automated phone systems and people who are telling my loan hasn't been paid off yet while the title company is emailing they fed exed it today and on and on

Oh, and that's all after my mortgage payment going up incredibly before I sold because WF didn't estimate something right.

You know, its all well and good for people to be fiscally responsible but it shouldn't require a degree in accounting and be your second "home" job to figure out.

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Comments (9)

sparksals
16 years ago
Wow Mary! Sounds like you've been through the ringer. I must have missed the post that you got a contract.

As for the property taxes, some counties bill taxes in advance, some in arrears, some half and half.

For instance, when I lived in Calgary, we had to pay our property taxes by June 30th. That covered the first half of the year (so that's paid in arrears) and the 2nd half of the year (July through Dec) in advance.

Here in Tucson, property taxes are due Oct. 1 for the previous year, so most is paid in arrears. They actually give us an additional break where we can pay half the amount on October 1st and the other half in March. If you don't pay half in Oct, then you must pay the full amount by January 1st and you won't be charged any late fees.

So, the reason you owe taxes is probably because your county charges in arrears. It's confusing for some people because they think when they pay for them that they're paid in advance, but most are not.

Check with your county on how they assess the property taxes in terms of payment, advance/arrears.
minet
16 years ago
Hey, but at least you sold it! And it didn't really take that long, did it? Considering your property was not the norm and would need a certain kind of buyer, and it was hard to get comps, and it's an uncertain market and a lot of buyers are backing off ...

I say congratulations! Now you can look to the future (once you get this current mess straightened out). :-)
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marys1000
Original Author
16 years ago
Thanks guys. Maybe I should have waited to post, I worked really hard at staying calm through the whole process despite being 2 states away and feeling like I had no idea what was going on and not really being able to do a good job of selling and getting the most for house, despite that the Title company kept jerking things around with losses and last minute paperwork.

Then you think its over and you can relax and WHAM I get that email. Just caught me by surprise and got my nerves all jangled. Probably a delayed reaction:)
Basically I just called the bank and gave them a credit number. I'm done. I may be sc****** but I'm done. I hope. Not living in the house for 2 months and not knowing whether anything went wrong really bothers me.
cearbhaill (zone 6b Eastern Kentucky)
16 years ago
Well- nobody wants to eat $2K. Hopefully after all the dust settles you will be able to understand how everything was computed just for peace of mind. I wouldn't leave it without fully understanding how the taxes work- you need to know for next year as well as this chunk of $$.

Selling a home is the single most stressful thing I have ever done and those last minute snafus are really the straw that broke the camel's back. Everything is out of your control and you feel like you are getting jerked around by everyone who wants a piece of your profits. Just hold on and realize that it will indeed be over soon- breathe deep and keep saying "this too shall pass".
terezosa / terriks
16 years ago
I was wondering if you decided to go ahead with the offer you talked about in this thread. I know that you didn't get what you wanted out of the house, but I do believe that you would have been much worse off if you had not worked with this offer. Congratulations on selling your home and having it behind you!
theroselvr
16 years ago
Mary, if you go to Google, there is a web site that tells you how to bypass the automated phone systems of most companies. I'd seen it last year in one of my computer magazines. I don't doubt you'd find the info for WF's system.
mariend
16 years ago
Do you have a Wells Fargo branch in the state you are living in? If so, go to the branch, but not a branch in a market, and talk to the branch manager. they might be able to clarify the problem. Other than that, you might make a phone call to the Real Estate board in the state you came from asking them to investigate the lending institution in your previous area. There is also a way to find phone numbers without going thru the automatated system. Document everything, names, phone numbers, dates, and times and where that person is located.
I find that dealing with Wells Fargo, many times I am talking to a person at a call center many miles/states away from the actual branch. Yes it is frustrating. Banking has changed so much since I was in it as we dealt with people, Wish you the best.
peppermill
16 years ago
I Googled for the automated phone system bypass, and got this link: www.gethuman.com. It's great!

Here is a link that might be useful: Bypass automated phone systems
theroselvr
16 years ago
Peppermill, thanks for doing the search. I haven't had a lot of free time to devote to much

having just sold would i ever want to buy again? vent ok rant

Comments (9)

sparksals

minet

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marys1000
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cearbhaill (zone 6b Eastern Kentucky)

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having just sold would i ever want to buy again? vent ok rant

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