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04-27-2007, 11:00 AM
The Title Search
As you know, New Orleans residents are challenged often with the task
of tracing home titles back potentially hundreds of years. With a community
rich with history stretching back over two centuries, houses have been
passed along through several generations of families, making it quite
difficult to establish ownership.
Here's a great letter an attorney wrote to the FHA on behalf of a client
that I thought was absolutely priceless!! Everyone who has ever bought a
house will enjoy this.
A New Orleans lawyer sought an FHA loan for a client.
He was told the loan would be granted if he could prove satisfactory title
to a parcel of property being offered as collateral. The title to the
property dated back to 1803, which took the lawyer three months to track
down.
After sending the information to the FHA, he received the following
reply.
(Actual letter):
"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:
(Actual letter):
"Your letter regarding title in Case No. 189156 has been received. I note
that you wish to have title extended further than the 194 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 U.S. from France in 1803, the year of
origin identified in our application.
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, 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
Columbus ' 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 approved.!!! :-)
You gotta love this lawyer.
As you know, New Orleans residents are challenged often with the task
of tracing home titles back potentially hundreds of years. With a community
rich with history stretching back over two centuries, houses have been
passed along through several generations of families, making it quite
difficult to establish ownership.
Here's a great letter an attorney wrote to the FHA on behalf of a client
that I thought was absolutely priceless!! Everyone who has ever bought a
house will enjoy this.
A New Orleans lawyer sought an FHA loan for a client.
He was told the loan would be granted if he could prove satisfactory title
to a parcel of property being offered as collateral. The title to the
property dated back to 1803, which took the lawyer three months to track
down.
After sending the information to the FHA, he received the following
reply.
(Actual letter):
"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:
(Actual letter):
"Your letter regarding title in Case No. 189156 has been received. I note
that you wish to have title extended further than the 194 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 U.S. from France in 1803, the year of
origin identified in our application.
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, 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
Columbus ' 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 approved.!!! :-)
You gotta love this lawyer.