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I bought a house last August with an FHA loan. Part of the provision for buying the house was that the roof needed to be replaced. The inspector came out after the previous owner had the roof replaced and gave it a pass and so we were able to get insured and buy the house. Hooray. Fast-forward to now - the walls in the upper floor are starting to crumble and there's 2 old chimneys that are leaking hardcore because the previous owners just had a few parts of the roof (that you could see from the street) replaced. The rubbed roof is still well over 15 years old and according to the roofer we had up there today "coming up very easily just from me walking on it". The banker said that their appraiser gave it an "average" and so they proceeded with the sale. They are appearing to present the issue like it's completely our problem, when the wording of the paperwork we signed clearly states replacement of the roof as condition of buying, in addition to it needed to have at least 3-5 years of life left per FHA guidelines for us to get the loan. Clearly that's not what happened, but the bank is basically saying "gently caress you" and we don't know what recourse we have at this point. Should we involve lawyers, HUD, and if so, who do we sue? The previous owners, the bank? I am getting the feeling that we were taken along for a bullshit ride by a handful of groups that simply wanted to make a sale. Any advice is appreciated.
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Jul 23, 2015 20:30
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You should ask in this thread: http://forums.somethingawful.com/showthread.php?threadid=3131399
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Jul 24, 2015 01:41
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Unless you can prove the previous owners knew about some deficiency and failed to disclose it, you have very little recourse. And frankly, the onus is on you to determine the condition of the house, not anyone else. Was the inspector from FHA or your personally contracted inspector? I am no lawyer but if you really wanted to take it far I suppose you could sue the inspector for professional negligence or malfeasance but that seems like a great stretch.
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Jul 27, 2015 21:18
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faarcyde posted:Unless you can prove the previous owners knew about some deficiency and failed to disclose it, you have very little recourse. And frankly, the onus is on you to determine the condition of the house, not anyone else. Was the inspector from FHA or your personally contracted inspector? I am no lawyer but if you really wanted to take it far I suppose you could sue the inspector for professional negligence or malfeasance but that seems like a great stretch. I think you should definitely talk to a lawyer, OP. You should be able to get a free consultation, figure out if you've got a case. Make sure you bring whatever you got from the roofer, as well as all of your sales documents.
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Jul 27, 2015 21:32
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