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Part of rebuilding New Orleans causes residents to often be challenged with the task of tracing home titles back potentially hundreds of years. In a community rich with history stretching back over two centuries, houses have been passed along through generations of families, sometimes making it quite difficult to establish ownership. Here's a great letter that is absolutely priceless, written to the FHA by an attorney on behalf of a client (You have to love this lawyer, and, it's too good not to share!):
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 application, we note that the request is supported by an Abstract of Title. While we complement 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 title back to it's 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 of the land prior to U.S. ownership was obtained from France, which had aquired 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 Cristopher 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 acceped, 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, of 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.
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