Dealing with the FHA
Another cut/paste email form one of my friends...pretty funny stuff and I don't have any idea if it's true...
Part of rebuilding New Orleans (after Katrina) often caused residents
to be challenged with the task of tracing titles to their homes...
back potentially hundreds of years. With a community rich with history
stretching back over two centuries, houses have been passed along
through generations of family, sometimes making it quite difficult to
establish ownership. Here's a great letter an attorney wrote to the
FHA on behalf of a client:
You have to love this lawyer ........
A New Orleans lawyer sought an FHA loan for a client... He was told the loan would be granted if he could prove a satisfactory title to a
parcel of property being offered as collateral. It took the lawyer
three months to track down the full title to the property which dated
back to 1803. After sending the information to the FHA, he received
the following reply.
(Actual reply from FHA):
"Upon review of your letter adjoining your client's loan application,
we note that the request is supported by an Abstract of Title. While
we compliment the able manner in which you have prepared and presented
the application, we must point out that you have only cleared title to
the proposed collateral property back to 1803.
Before final approval can be accorded, it will be necessary to clear
the title back to its origin."
Annoyed, the lawyer responded as follows:
"Your letter regarding title in Case No.189156 has been received. I
note that you wish to have title extended further than the 206 years
covered by the present application. I was unaware that any educated
person in this country, particularly those working in the property
area, would not know that Louisiana was purchased by the United
States from France, in 1803 the year of origin identified in our
For the edification of uninformed FHA bureaucrats, the title to the
land prior to U.S. ownership was obtained from France, which had
acquired it by Right of Conquest from Spain. The land came into the
possession of Spain by Right of Discovery made in the year 1492 by a
sea captain named Christopher Columbus, who had been granted the
privilege of seeking a new route to India by the Spanish monarch,
Queen Isabella. The good Queen Isabella, being a pious woman and
almost as careful about titles as the FHA, took the precaution of
securing the blessing of the Pope before she sold her jewels to
finance Columbusís expedition...Now the Pope, as I'm sure you may
know, is the emissary of Jesus Christ, the Son of God, and God, it is
commonly accepted, created this world. Therefore, I believe it is safe
to presume that God also made that part of the world called Louisiana. God, therefore, would be the owner of origin and His origins date
back to before the beginning of time, the world as we know it, and the
FHA. I hope you find God's original claim to be satisfactory.
Now, may we have our damn loan?"
The loan was immediately approved.