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It seems like 20 or even 30 years ago, people could get a house with relative ease. Now though, its insane, im struggling with this mortgage lender because they want a receipt over my HOA fees ... they're 200$/yr, but apparently they are being insistent they want this. And for the past few weeks, they have been complete pedantic assholes wanting the dumbest documents imaginable, like a job contract with the closing date of the house instead of the start date. It's actually pissing both me and everyone else off, because when i bought my first house, i dont remember it being THIS fucking hard to do

It seems like 20 or even 30 years ago, people could get a house with relative ease. Now though, its insane, im struggling with this mortgage lender because they want a receipt over my HOA fees ... they're 200$/yr, but apparently they are being insistent they want this. And for the past few weeks, they have been complete pedantic assholes wanting the dumbest documents imaginable, like a job contract with the closing date of the house instead of the start date. It's actually pissing both me and everyone else off, because when i bought my first house, i dont remember it being THIS fucking hard to do

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[–] • 1 pt

A good example, I gave them a document of the HOA dues, which was from early 2000s. Apparently it's too old, they want the EXACT same document but dated from 3 years or less essentially. Or a receipt paid of the fees, which didnt happen because they didnt collect dues for COVID reasons. So what the fuck, this document they want literally doesn't exist

[–] • 0 pt

I feel you. I don't and will not deal with HOAs, but since the lender wants this doc, and the HOA didn't collect dues, could you ask the HOA for an MFR stating exactly that they did not collect dues and therefore there is no 'new' document/receipt? This should, theoretically, excuse the 'lack of current documentation' and instead allow for your previous doc to be submitted. As for your contract dates and closing - I've never heard of shit like that before. Refi and go somewhere else?

[–] • 1 pt

I live in bumblefuck nowhere where the concept of a functional road is commie talk, the idea i can find an MFR is close to zero. I ended up having my neighbor write me a "fake" statement with a letterhead, since he's on the board saying i paid the dues for this year. Like what the fuck else can i do in this case? Also the HOA in bumblefuck is 99% of who maintains roads, not so much what you can do with the property.

[–] • 1 pt

Careful. If someone ever gets a hair up their ass and wants to get you on some bullshit charge, that's banking fraud. That's a major federal felony.