Divorcing Your House

By
Real Estate Mortgage Broker with Mike Tullio, Kroboth & Helm Mortgage Company NMLS #208860

divorce It's over.  The love is gone.  We've drifted apart.  Sure, there was a time when everything seemed wonderful.  How crazy were we having our first lien right away?  Remember when we'd spend the weekends together, you, me, a paintbrush, some power tools?  You gave me worth and value and it felt so good.

I was so giving in the past, in fact, I gave until it hurt.  Our beautiful second lien came along a few years later.  I took you on that amazing 7-day cruise through the Eastern Caribbean.  I put your kids through boarding school.  We put in that pool you always wanted.  I even helped buy the boat of your dreams and the Escalade SUV.  It was so good for so long.

But something changed in the past few years and I feel like we're strangers.  All you want to do is take, take, take and I've got nothing left to give.  I thought you knew me and what I worth, but it turns out I was wrong.  You look at me with regret, contempt, and sadness.  You wonder why you ever got involved with me.  And that hurts.  Irreconcilable differences.

So the paperwork has been started.  My attorney will be contacting you shortly.  The relationship is beyond repair and it's time for both of us to move on.  And in case you wondered, you're the one that's going to leave.  You get the debt, and I get the house.

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Tags:
allegory
house
foreclosure
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equity
short sale
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Comments 11 New Comment

Anonymous
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Rainer
17,353
Mike Tullio
Kroboth & Helm Mortgage Company
Mike Tullio, Kroboth & Helm Mortgage Company

David, Jim, and Jackie.  I knew there would be some outside the box thinkers in the AR fold that would take my feeble attempt at personification to the next level.  Well done on the elaboration.  Hilarious.  I especially like the "underlying emotional anomaly".

Jennifer.  You really hit home with your statement; somewhere in the middle lies the truth!  Bill was smart to remain neutral.  All the love our homes have given us has been a subject-to relationship.  Our attachment has been subject to value continuing to rise and now we have some serious dysfunction.  Seek a counselor before it's too late!

April 18, 2008 04:59 PM
Rainmaker
91,861
Kevin Hancock
The Hancock Mortgage Team
Evergreen Home Loans
Another great post Mike.  I was thinking recently about the similarities between Home Buying / Marriage and Foreclosure / Divorce (actually planned to write a blog about it) and this captures some of those thoughts really well.  Good job!
May 02, 2008 03:53 PM
Rainmaker
205,771
John Thomas
First Time Home Buyer Expert
Primary Residential Mortgage Inc.

Great Letter!  That is the truth right there.

John Thomas - Certified Mortgage Planner

May 03, 2008 08:50 AM
Rainer
24,609
Marie Ogle
Contract Mortgage Processor
Mortgage Processing Solutions

LOL!  This is great!  Thanks for the laugh.

 

Love your wit! 

May 05, 2008 05:56 PM
Rainer
26,709
Laura Moore Godek
Laura Moore Godek, PC

You weable to put a humorous spin on the situation.  Thanks for the laugh.

May 09, 2008 04:21 PM
Anonymous
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Rainer
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Mike Tullio

Kroboth & Helm Mortgage Company
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