Posted by Marian_in_CA on 5/27/09 12:37pm
Msg #290077

Funniest Affidavit I've seen yet...

And I had my hopes up that we finally have a decent purchase package, right? All of the disclosures are combined together, it's only about 60 pages total. Sweet.

Then I get to a Fire Damage Affidavit... not on it's own that funny, really.

But the affidavit states, "I hereby swear/affirm that I/we have inspected the property located at the address given above, and that there was no damage to the property as a result of the California Wildfires of 2003. The property is habitable and the condition is acceptable to me/us. I/We understand that there will be no disaster-related expenses to me/us and I/we wish to close the loan."

Okay... fair enough. Didn't think anything of it, until the borrower started snickering.

The house was built in 2005. And, while it is in an area that could potentially see a desert wildfire... there hasn't been one there in...well, forever. It's right between a high school and a state prison. (mmmm...Same thing?)

Reply by cdoty_IL on 5/27/09 3:16pm
Msg #290097

My personal favorite is the affidavit where the BO is stating that they "feel their home is structurally (SP?) sound". Honestly, they had an appraisal done....I would think that if the house was "condemned" the appraiser would note that. Not to mention that most people would not be living in a home if they felt it was not safe. I have had quite a few borrowers chuckle at that one also.

Reply by CNaylor on 5/28/09 1:17am
Msg #290146

It's right between a high school and a state prison. (mmmm...Same thing?)

I lived in San Diego through the '03 Fires, sold the home just before the last big one. Evacuated our home in '03, luckily for me a smaller fire a few weeks earlier burned a specific canyon, the fire turned and went another direction, not so lucky for Scripts Ranch who got hit hard instead.

Back on topic, was involved heavy in Camp Fire who lost their summer camp in the Cuyamaca mountains, with state property intertwined in and around the area. The camp, other local camps and many homes were lost (in the localized area). The local Lake Cuyamaca all volunteer Fire Dept. lost the majority of their homes, while they were fighting to fires in what ever area they were assigned. No one was covering the area of their homes, and other private property. All was left to burn in order to save the state property & buildings. One of which was a camp taken by the state from the Boy Scouts (end of lease) where the majority of the buildings are condemned. Today there still standing (and still condemned.)