I believe I have been scammed by my real estate co, title company and the mortgage company. I purchased a home in NM. It closed early June. I was told the manufactured home was on a permanent foundation. Now it does not meet the FHA requirements and the mortgage company did not get the required certificate. I have had nothing but trouble with this real estate company, title company and loan company. It should never have closed but it did.
Here is what I was told about the permanent foundation today....
from my understanding after speaking to the engineer who did the inspection the home does have a permanent foundation. All or most of the foundations installed in the state were of the same nature as the one on your home. The state recently change the requirements on the tie downs on the foundation and FHA has different requirements that the conventional lenders do not have on permanent foundations. Here is where the problem is. The state according to the engineer, de-grandfathered the type of tie-down requirement on all mobile homes. This is going to affect not only your home but all the one that used re bar as tie-downs. You are free to call Crawford Development Services at 505-865-6442 and he can further explain the requirement. I spent about 1/2 hour on the phone with him. He explained the new requirements to me but you need to hear it from him. We are in the process of trying to resolve that issue as I indicated before....
So..now what? can the mortgage company call in the loan? sue me? I did everything I was suppose to do but I had a dingbat for a real estate agent. Now I'm stuck with a home not meeting FHA permanent affixation. Can I take someone to court and get them to pay for it to be fixed?
That's only one thing they did to me.
2. None of the repairs were done that were agreed upon. They painted three sides of the house. yep, left one side unpainted.
It was not painted the original color either. It is now Milk chocolate!
3. I paid for some of the repairs and the real estate lady asked for the receipts and I like a dummy gave them to her. This was to be reimbursed to me.
4. They were suppose to leave the washer and dryer and they took them with them. The real estate lady asked if I wanted them returned but I probably didn't want them because they were probably dirty seeing the way they lived. She told me she'd get me the 1000.oo repair money that was in the contract, designated for repairs, and I could get a new set. I figured if they were made to return them I wouldn't know if they were the same ones or not so said ok. Then when I asked a few weeks later about the 1000.00 I was told they used that money to pay for inspections that were forgot at closing.. I think she didn't want to stir the people up because she was in turn, selling them another house and that hadn't closed yet.
Should I get an attorney? any recommendations for the Albuquerque area. I am so stressed out about all of this it's unreal. I know I have been scammed.