This is the house that I looked at, with the white picket fence, a farmhouse from 1880 shouldering up next to an apartment building built in the 1930’s. Is it true that home ownership is a right, or that it makes you a better citizen?
I have always been without a place to call my home; my parents were housed through jobs, first the parsonage and then the halfway house they ran. When my father ran, away, he went homeless, calling late at night from dives on the bowery. When he moved back to Scotland he moved in with his older sisters. That’s when my mother became a dorm director at the private school I attended. My last home, studied internally by how and where I lived there.
I never lived in a shelter or lacked anything, really. A privileged life, in so many ways. But an odd life, shined on by education and formed through instability.
There is something about a home.
My mother’s house is under contract, and I feel that she would want me to spend that money on a house. I happen to like this one, and I happen to feel that I would be a good owner of it. I CAN afford it, this foreclosed property. I CAN make it beautiful.
I have looked at a few houses, at this point, but this is my first foreclosure tour. I cried when we opened the door.
The curved banister and the carved woodwork around the fireplace are intact. As are the children’s toys and so much stuff, too many things that prove a family and a life well lived. The windows have been carefully replaced, one by one, except for the few that still show the careful scraping to fit a new window. The walls are spackled and primed. There’s an unopened bottle of wine on the counter, next to a gallon of margarita mix. The stove and fridge are gone.
There are boxes, everywhere, half filled with detritus from a life or lives. They literally fled, I think.
Upstairs, towels on the floor of the bathroom. Shirts hanging, neatly in a row, in a closet. May I repeat that: shirts, each hanger facing the same way, hanging in a closet. How can I possibly buy your clothing, your dreams, your childrens toys?
It’s like a war happened, and they were forced to flee. And I think that is what happened – that a war on people has happened and is happening, and that this family is a victim. And I am too, but I have, maybe, MAYBE, the chance to buy it all.
The neighborhood is “dicey”. Or “fringe”, according to how you term gentrification. I guess I might be a sign of gentrification as opposed to, well, someone tearing the house down. Was this previous family gentrifying? Absolutely. They loved this little ghetto farmhouse. I wonder if my race would be significant if I get this house, or perhaps my credibility could be established by growing up – in the halfway house – three blocks North. I wonder if my neighbors will like me; I wonder if they see me, entering the house, as a rat or a mole, working with the bank that chased a family away. I naively said “Hi!” to everyone as I waited for my realtor to show up. Thinking, well, maybe it’s a friendly neighborhood. Who knows? Probably people don’t care that I want to plant cosmos and have a vegetable garden and participate in the community. Probably, people just want to keep themselves stable. Not out here to make friends. But maybe someone knew the family.
In the attic there’s a little room. There’s a bunch of photos and a cell phone, a flip phone, left open among the pictures. On the floor. I look down and see everything. There’s a box filled with kites. What happened?
Who leaves photo albums and pictures and clothing and furniture and wine and boxes, half filled, some empty and just so much stuff? People who are chased out of their homes – like people in Afghanistan and Iraq. I am witnessing the effects of a war. And I have no more control over it, besides voting and my limited and admittedly lame activism, than anyone except the fucking banks. The corporate interests. How did this happen?
Chances are the bank won’t even approve of me, with my 20% down. With a foreclosed property you have to deal with the actual bank, and since this one does not even have an actual address in the whole United States, I am dealing with a predatory lender.
Oh my God, I want to open the doors and let them back in, to let them take back their things. Is that possible? If it is, that is what I would do.
Chances are I won’t get this house, and chances are my small windfall (which I would happily return in exchange for my Mother) will lead me to other tours of foreclosed properties. Each one a story of something terrible, and terribly wrong, that happens every day.


Salon.com
Comments
I don't guess this has helped and really the house wants someone to be there to hear laughter again. I will come back to see your pictures!
I had a thought and well it is really silly but I hope they didn't leave so much stuff behind because it is haunted or something :)
Rated.
"The curved banister and the carved woodwork around the fireplace are intact. As are the children’s toys and so much stuff, too many things that prove a family and a life well lived."
You slay me. My mother was terrible at it, at parenthood, and she walked away from everything, all my college art, our childhood pictures, our precious history, for 5 kids. We were that family. I hope someone noticed, as you do here.
You make the "oh now THAT happens to people" into an immediate event, an urgent call. But more: great writing requires restraint, and the just-so style choices. You and your subject are well met here. Solid choices, great result, and I do so love your writing.
You made me cry, just incidentally. We lost our only home to pay for cancer. Ah shit.
Ardee - Thanks. I have the number of their broker. So, Monday will tell if they want to negotiate with me. They are a "real" bank. With foreclosed houses, you have to get pre-approved from the bank that owns the propoerty. I won't let them get me in a position to take it away!
LL2: if it happens, it happens. I just have to pursue it, and if I can, I WILL give them back their belongings.
Cymraeg: It's so painful. But this is what I can afford.
Tinkertink: Thanks. You get it - it is a war. This war on people needs to stop.
Thanks matt: Good to see you! I HAVE been wondering if something terrible happened...it doesn't show up in any google crime reports. There's no blood on the walls...I don't know. But I will buy it, if I get the chance to. All my homes have been haunted.
Thank you Joan - I believe you! If this works out, it will be HOME. I'll give it all back, if I can. Except, maybe, the wine?
I know, femme! It's like the rapture or something! (There's also a room with about ten Jesus pictures lying on the floor.) It is really, really disturbing. Yet...it could be my house. It also needs to serve as a warning, I think.
greg: I am so, so sorry. Thanks so much for your amazing words and for getting this whole thing. I don't want to capitalize on anyone's bad luck, but I sold all of my stuff, aged 14, three blocks away from this house when my Mom lost her job and we moved to MacDuffie. I would, if possible, find this family and let them retrieve everything. It's too soon to even think about that, but I will always try my best to give people the dignity they deserve. Stupid banks. Fucking cancer. Hate.
thanks Bellwether V. : Those are lovely thoughts. I DO think a house chooses, and I am sort of hoping I might be right for this one. I can heal it, I think. I think it misses people. I can make it warm again.
thanks, latethink. It is so sad. I'm in the midst of selling my Mother's house, which is going well...nice buyer, no hauntings, I think. I don't want to buy anyone's past, but...if I get approved , I will buy this house. And I will find a way to give them back their belongings, or to give it to another family in need.
Thanks so much, everyone. I'll let you know how it goes. I WILL buy a house this year - because I have to - and maybe this is the one. If not, well, let's hope for the best for everyone, every single person who is searching for a home.
And let's try to stop this war on our own citizens who are in crisis.
The photos with the open cell phone really got to me - that seemed like a message, and I felt like they had been taken away...like people in a war torn country. But now I get that we are a war torn country. We are at war against poor people, and soon enough there will be nothing but poor people for the rich people to abuse. You know what? capitalism is NOT sustainable. And democracy and capitalism are not the same thing.
Sorry - I had to rant a bit!
The 2nd time it happened, 5 yrs later, was even worse. 3200 sq ft house to be completely emptied in TWO days with just him and just me again, plus the death of a friend of the family. We got an extra day or two and we moved for 96 hrs with 4 non consecutive hrs of sleep from when we literally collapsed. I rubbed the skin off my pinkie toes by day 2, by day four I had been doing it all with no shoes and no socks (couldn't find them) and it was pouring down rain. I had bruises on the bottoms of my feet and between my toes. On the morning of day 5 I collapsed in the back of the moving truck - fell to my knees b/c my feet hurt so bad I could not stand any longer and cried. There was still quite a lot to be moved, but it was both stolen or tossed in the trash.
This is typically, for whatever reason, something a family deals with without help from others.
The house you are looking at is wonderful. It would be great if you could get it.
I hope this will be your home.
Foreclosures and short sales are not an easy process. We just walked from a short sale we had been trying to buy since last July! There was never any communication from the bank that held the mortgage during that time. No one cares, not the banks anyway. So be prepared!
Wishing you a home in 2011!
One option is to pack up the absolute most personal and important things, then to let the people come and get them if or when they can. I have friends who have done that because the very personal items got to them, too.
But one thing to remember: a lot of the junk in American's lives is just excessive. Sometimes it is a relief to get rid of it.
I think you are quite right that there is war being waged against the middle class, the same war that has long been waged against the poor, a war waged by people who aren't satisfied to be richer than Midas, people who want it all.
If I may expand on your analogy, this tragedy is compounded by the sad fact that the "generals" in this war have used racist appeals, homophobia and propaganda about "family values" to convince millions to join their war. Apparently, these volunteers are so crazed by fear and lies that they cannot see they are being shot in the back.
I have been going to estate sales and they are foreclosed homes. I cannot do that anymore.. I like you want to let them all back in.
Rated with hugs
Perhaps, getting this house would be a good thing. I would have cried, too. And I really don't know what to say.
The only one writing about any of this is Bob Herbert of the NY Times.
Beautifully written. But do you really want to "own" a house??? I don't think it a good investment right now, not at all, regardless of the great deals. And certainly not on the heartbreak of someone else's despair. Just bad Karma. Keep looking.
It's up to you whether or not you buy this lovely home. But I wouldn't.
When I looked at homes to buy so I could run away from now-XH (who needed to be left--long story), I saw foreclosures, and there was always something eerie about them. I could almost feel the pain and desperation of the previous residents--and I didn't want that bad karma haunting me. Felt the same way about homes sold due to divorce--LOTS of ill will that was almost palpable inside those places.
Eventually I found the home where I live today--vacated by a widow who left when she checked out of life's hotel at 93. It had the most welcoming aura about it, and after a few pushes and pulls about price I finally bought it. I now plan to die there; it's the first place I've ever lived in that really felt like HOME.
As for buying a foreclosure--someone else's misfortune becomes your opportunity. But do you really WANT it?
Rated.
Great post. very well written and definitely deserving of the EP. Congrats!
~R~
Really enjoyed this piece. I too wonder about all the families displaced by this war and the empty houses they leave behind.
Good luck with the house.
The realtor's equivalent of the little old lady from Pasadena
Thanks hyblaen: Feeling mixed emotions just now...
Apache: I'm so, so sorry about your experiences. Thanks.
Ema: Your comment means so much to me!
Harry: That's the big question...
ladyfarmerjed: Good words of advice, that I will follow!
Thanks Dave: I am, at least, beginning the process!
Thanks so much Cartouche...your comments always mean so much.
xenon: Excellent point...It's the way the photos and the cellphone are sitting there, it's very strange...but you are right, we have too much stuff (says she of the thousand books). I joke that I'm just buying a heated storage unit with a bathroom.
Thanks pastvoices: The cover is static for the weekend...thank you very much for your vote of confidence!
Thank you, Tom, and I am sorry about all that you are experiencing. Very apt to expand the analogies that way, in reflection of where we are after this weekend.
Thanks Linda and OESheepdog. Linda, I so get it with those estate sales...
Bernadine: I appreciate your lovely comment more than I can say.
Thanks vanessa: We shall see, we shall see.. if I start talking to the bank, I'll go back with a friend who inspects buildings and get a much clearer picture.
From The Midwest: Thanks for sharing that story, and I am so sorry. There is so much to think about...this is just the beginning, and I need all the help and advice I can get!
It is a little crazy, Duane G. Still, at this point, I'm just beginning to get the facts and think it through. I hope I will know enough to make the right decision, whatever house that might be.
That's a good point, codger07. There's a lot about this city that is turning around right now, and I think abandoned houses are bad for neighborhoods. As for me in that neighborhood - I don't know! The gentrification debate, everywhere, is something I think about. I think it's more realistic that someone will pay for it outright and attempt to flip it - it's being sold $50,000 below the appraised value.
Blue in Tx: Thanks - that is something I will look into. It's definitely an old house, and retains so much of the original interior. But, y'know, with all the water and utilities shut off, there's a lot I still have to see. As a New Englander, I am still amazed by these old relics.
Thanks Sheila TG: It is absolutely heartwrenching...
elsma03: Thanks for your comment and advice. This process of looking at houses has just started, so this is my second house...and most people look at dozens before everything works out. I am trying to assess my feelings, and of course, talking to the banks broker (who is local) will be a huge step...
Thank you Scylla!
Jerry DeNucio: I appreciate your lovely comment. I'm glad the story is resonating for so many here...my state has not been hit as hard as other parts of the country, so it is an education for me.
Thanks Unbreakable: Another good point! I'm trying to use my heart and head, because it's all so huge...just the process of getting approved...we shall see!
And Now I Am Going To Call The Bank!!!
I think people do ... and they will love having you for a neighbor.
We'll be losing our house soon. While I want to leave it in wonderful condition, including notes about where to find more of the beautiful porcelain we used in the kitchen we were never able to finish, I also understand that when some folks have to leave they have nowhere new to put their "stuff." I hope whoever gets my house will appreciate the luscious fruit trees and all the landscaping I did in the back. I want them to say "ah" when they see how the teal paint behind the plant shelf sets off the sage walls. I hope they take the time to watch the baby doves each spring in the cactus. Maybe I'll leave the hummingbird feeder so they'll know that they can have a great show when they have coffee on the patio in the morning.
The next people really should put in the automatic watering system we never got around to; and they'll probably want to redo the bathroom.
While I'm sad that we will never ever own a house again, and will never ever recoup the down payment and all the money we put into improvements, I'm trying to make the best of it. And I'm glad that someone will be able to enjoy my house in the future because it will probably be sold for a really cheap price ... maybe a family with kids who can go to the elementary school a block away, or the high school two blocks in the other direction.
Maybe your new neighbors will know how to get in touch with the former owners and you can get some of their possessions to them ... that would be nice. But if you can't, know that you tried and don't feel bad about getting this house ... if you are meant to have it, it will be yours. I can just picture the cosmos blooming brightly against the picket fence. Rated with blessings.
2) If you and your attorney are satisfied that the bank (not in the US?) has the right to foreclose, then as Marilyn wrote, buy it and then pack up their things and see if you can contact them. At least the personal things. Try never to feel guilty and always enjoy the home.
One more thought: If you have not been pre-approved for a loan by another lender, please take the time to do so. That way you will know how much home you can purchase with your debt to income ratio and 20% down payment. If the bank does NOT approve you, you will know something about their business practices.
Again, I don't know if a bank can demand that you get your loan through them because they have foreclosed on the property. If they can in your state and that is normal practice fine. If not, then you should most certainly have a real estate attorney review the title work. If it is not in order and the chain of title is uncertain, DO NOT BUY unless your title insurance covers this fact. It must say "Bona Fide Purchaser". With that, supposedly, a former seller will have trouble getting the home back should they try.
This whole scenario has its potentials and pitfalls. In this day and age, having a competent real estate attorney should be the new MUST HAVE in real estate!
Good luck -- love the home!
and your sensitive empathy for the previous owners, clothes still on hangers all facing the same way. "How can I possibly buy your clothing, your dreams, your childrens toys?" - just heart wrenching. they could not maintain their dream and must sprout it again, in another form and place. but you can keep the power of dreaming alive by making real yours. powerful post.
Moving into a gentrifying neighborhood no matter how nice the house can be very dicey. You may not bewelcome, and you may find little acts of vandalism to house and car, and cold shoulders and neighbors screaming outside your house in the middle of the night will reminding you that you are not welcome. I have two well-intentioned friends who have sorely regretted their decision. I also have colleagues who have worked with youth in the northeast growing up in gentrifying neighborhoods and how they and their families feel about it. None of it is personal, but it can make life unpleasant. Can you take a walk in the neighborhood if you want?
Secondly, you are an intuitive, energetically sensitive. Buy the house where when you walk in, you feel that love and joy live there. Maybe it will be a smaller house, probably not a foreclosed house. But it will feel like a sanctuary..
We of the middle class are certainly living in a predatory atmosphere these days, the deck is stacked, and most of us just shake our heads. Where this leads, I do not know, for now, I wait.
So what happened?