"You are not becoming."

In light of recent developments in my life I'm forgoing Tasty Tuesdays yet again to bring you the latest sad saga... Because let's be real, who can eat at a time like this? Well, you know "real food" anyways. I only want to cram my face with comfort foods at the moment, preferably the ones that say Little Debbie on the label.

BE FOREWARNED: It's been a day. A less than perfect day in my less than perfect world. And if you are looking for peaches and cream, you've barked up the wrong blog.

Otherwise proceed with caution and feel free to skim. It's a LONG doozy.

So, according to my husband I am "unbecoming" due to a swear word or two that may or may not have slipped out in a moment of extreme anger and frustration today.

Long story short, our short sale really is never ending. As in, FOREVER, infinite, no end in sight…

It was scheduled to be done the 14th of May, which was LAST Friday. And in case you haven’t been following this nightmarish ordeal… this is the second time around. The first one started the end of Aug 2009. Due to incompetent, dishonest people and lots of other things I’d rather not drag up -our last short sale was cancelled. (If ya want some late night reading on short sales, you can go here and read more, mostly venting.)

We started again Mar 14 after the 30 days it took them to get all their ducks in a row (or whatever the heck they were doing). Friday marked the 60 day mark, the amount of time clearly specified for short sale duration by this lender. But alas, it has been extended yet another 30 days because the last underwriter was too “swamped” and now the new one needs an extension.

I’m starting to have deja vu back to the last 6 month run and wondering if at the end of these next 30 days if it will THEN go to the investor, who will most likely STILL have a special 120 day clause and STILL call the packet of material expired.

There are no words to express this situation. And I have lost all confidence in Aurora's ability to complete this task.

We are by definition conservative. You know, the people who have college funds and a 401K, pay all our bills on time, have a 800+ credit score, who never take risks, and by all means don’t buy a house as an investment.

But we did. We took a risk for once in our lives. And never in our wildest dreams would we have foreseen all of this. Hindsight, right? Due to a series of bad decisions by politicians and bankers our economy is in a recession, hanging on by a thread. If you think it is getting better, go tell that to the appraisers in Utah. In the last 9 months we have waited for this short sale to be processed our home has decreased in value another 10%.

Today our buyers walked. There are better homes at better prices right down the road.

So, yes. I may have cursed. Who wouldn’t? These are expressive words that need to be used at times to properly and adequately convey our emotions. Who wants to keep all that bottled up inside anyways? Well, I for one don’t. And I don’t appreciate being judged. So, I'm "unbecoming" today. There are worse things.

I would love nothing more than to be rid of this weight that has been burdening me for way too long. This has been going on for several years now... everything from trying to sell out of state, to lease option flops, to renting nightmares, to refi attempts, to loan modification rejections, to a never ending short sale. And it is not over yet.

Oh no, the fun has just begun. IF Aurora can get their crap together and IF we get the green light THEN and only then can the buyers (and that's another big question mark since ours just walked) start the loan process. This could seriously be another 6 months to a year.

Oh, and we received 6 certified letters in the mail today saying that our home is in default. Not one, but 6. Three were in my name, three in my husband's name. My assumption is that by sending the same letter six times there's no refuting that that was in fact what we signed for. And yes, another big no-no. Don't under ANY circumstances put both you and your spouse's name on mortgage papers because should something go awry there are dire consequences to not one, but BOTH of you.

Oh, and our lender also mentioned that the foreclosure date is set for June 12th. After this agonizing hell they've put us through, I'm all for it. Let's do this thing. If you are tortured long enough, you eventually get to the point that your tear ducts dry up and you are willing to do just about anything to put yourself out of the misery- including ruining your credit. Because by now who cares.

Unfortunately, that is not in our best interest YET. It would be best for both us and the bank to stick this short sale out and they are prepared to postpone the foreclosure as many times as necessary. Heaven knows they are more than capable of pushing dates out further. We've witnessed it first hand. But that is about all they are actually capable of, at least that I've seen.

The only thing that gives me peace is the knowledge that I know in my heart that we have tried to do the responsible thing at every turn. We paid dual mortgages as long as we possibly could until we finally were just out of funds and realized we were too upside down on this house to continue. It was a bottomless money pit. And we would never see a penny of it in return. We have lost so much money now that it literally makes me sick to my stomach. Geez, I could have my dream SUV and then some for what we’ve lost. Or a great college fund for the kids. Or lots of things. Sigh.

Instead we have needless stress and less money in the bank and after today, a good sized headache. But life isn't easy street for everyone. I've decided it really is just one big crap shoot. If we'd have bought our home one year sooner we'd be rolling in the dough. If we'd have picked more reliable tenants maybe things would have gone differently. If we could have found a job and been able to relocate... But woulda, coulda, shoulda. We can't go back and change the decisions we made in our past, however crappy they may seem now.

We can only move forward, extracting the good from them in an attempt to make better, hopefully more informed and less painful ones in the future.

If you made it through this lengthy, extremely depressing post.... thank you. That brightens my day just knowing you care.

And FYI: AURORA LOAN SERVICES suck!! Please do me a favor and tell everyone you know how horrible they are. They have earned quadruple flip offs in my book, but I'm saving that up for my Friday Flip Offs. If you haven't yet experienced them yet, stop back Friday. You should totally join. Nothing like a virtual detox.