This is my house---don't get used to it! - Page 2 - The Horse Forum
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post #11 of 272 Old 11-12-2013, 07:39 PM
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As NorthernMama mentioned, I would personally wait until the bank said yes before I flattened my house.

I would hate for the bank to say no and you winding up without a home.
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post #12 of 272 Old 11-12-2013, 11:23 PM
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Have you applied for the permit to rebuild? In Ontario the cost of the permit is based on the estimated value of the work done before January 1. Another permit has to be purchased for the new year. The bank hasn't said yes until the paperwork has been signed. Don't assume that what an employee has told you is gospel.
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post #13 of 272 Old 11-13-2013, 10:17 AM
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Good luck with everything!!
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post #14 of 272 Old 11-13-2013, 11:49 AM
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Wow you sound so calm about it all - I'd be doing the whole headless chicken thing right now if it was me!!
Shame - it looks a real quirky building
I don't understand the RV rule - its the same here as we found out when we wanted to buy a plot of land and live in either an RV or a trailer home while we built and were told it wasn't allowed under zoning regs
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post #15 of 272 Old 11-13-2013, 05:50 PM
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Quote:
Originally Posted by Saddlebag View Post
Have you applied for the permit to rebuild? In Ontario the cost of the permit is based on the estimated value of the work done before January 1. Another permit has to be purchased for the new year. The bank hasn't said yes until the paperwork has been signed. Don't assume that what an employee has told you is gospel.
Actually, building permits in Ontario are municipal based, so the fees and expiration times vary from town to town.

I also agree that the bank hasn't agreed until you have a signed paper. Been there, done that, got burned.
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post #16 of 272 Old 11-13-2013, 07:35 PM Thread Starter
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Hi guys... Been a little frantic out here. So, all you guys who advised waiting for the bank to sign... You were right! Apparently, the bank still owns the house. Who knew??? And, they had a little bit to say about our impending plans of destruction. They say we can't destroy the house without their written consent. Wish we had known before Ed got busy with the sledgehammer and sawzall. I THINK it will be okay...

We have a meeting with them tomorrow at ten; meanwhile, the wreckers arrive at seven. My husband says there's so much prep work to do he can keep 'em busy until we know what the bank says.

Photos might be hard, since my computer is now stored... I'm left with just an iPad.

Oh, and I agree about the house. I really like it, and am Sad about it's destruction, but, the mold, the eternally wet basement, the roof with no sheathing, just shingles nailed to eachother, and the floor is falling into the wet basement, along with the back wall... So, about $30,000.00 to fix it up. But, I can't help being a little sad, and a lot stressed.
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post #17 of 272 Old 11-13-2013, 08:56 PM
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My ex's relatives tore theirs down in order to rebuild on the same spot. Here was their plan:

They had some type of old spring house on the property (old farm) and it already had water and electric. They put in washer/dryer hookups and set their washer and dryer up in there, along with some type of electric heater to keep water pipes from freezing up.

They had, earlier, installed a half bathroom and a water heater in their pole barn. They used the shower stall there.

They borrowed or rented a camper trailer from their neighbors. It was about a 24' bumper pull camper. They lived in it while the house was being built.

Storage for the entire house contents, including appliances, etc., and I think this was genius: They rented one of those semi trailers, old tractor-trailer box trailers that are no longer roadworthy, the kind you see parked at construction sites to store stuff. They had it delivered to their yard, and they hired local professional movers to pack and move furniture and other items from the old house to the trailer. They kept the trailer locked. The man of the house was retired, so he was generally home all day and acted as general contractor and kept an eye on things so that they didn't get stolen.

He knocked the old house down, using a Bobcat for the most part. (He said looking at how easily it went down, he was convinced they had made the right decision, haha.)

They built a new foundation, slightly deeper than the original rancher house had been, and they put a nice big basement under the new house.
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post #18 of 272 Old 11-15-2013, 11:13 PM Thread Starter
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Well, the house is gone. Totally gone. Still no, ahh, concrete, word on a bank loan... Things got complicated, fast. I have to say, despite the stress of the financial unknowns and the fact that we destroyed a house that technically did not belong to us, things are going well.

The saddest part for me was that my favorite willow tree was severly pruned to make room for the machinery, and an oak and a fir tree were destroyed. The awesome part is everything else (except the money part, of course). The workers are doing an amazing job. At one point they dug some cat tails out of the pond, and in among the rushes was a huge American eel, over a foot long! My husband caught it and returned it safely to the pond, although it was a slippery operation. But how did an eel make it into our man-made, land locked pond? Most intriguing!
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post #19 of 272 Old 11-16-2013, 11:05 AM
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Woah. That's some pretty freaky stuff right there - no loan and you kind of "stole" a house, yet don't have a house to live in now! LOL. Good luck!!!!

As for the eel -- they have been known to do land crossings.
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post #20 of 272 Old 11-16-2013, 11:51 AM
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This does not sound like a fun situation to be in, good luck!

The eel thing is creepy... I don't know how I'd feel about an eel being in my pond. lol
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