Saturday the 13th is the first anniversary of my arrival in Italy. It’s been a busy, exciting year and, while I haven’t made nearly the progress with language that I wanted to, pretty much everything else has been going very well for me. That includes finally, this week, closing on the sale of my condo in Everett.
The condo got listed back in late June of 2013, so it’s been over a year and a half in the doing, and it has not been easy. The basics of cleaning, preparation, and actual moving are things anyone would have to do. Photos were taken, a sales agent contracted, applications for a short sale made.
Short sales, for those who don’t know, are sales where the value of the property falls short of the amount of the mortgage. Because of my inability to drive, I couldn’t stay, so for me it wasn’t the usual “I can’t afford this property anymore” issue but a medical necessity that I move to a location with more accessible transportation. It was a Veterans Administration loan. And there was a small second mortgage on the property, which is where a lot of the problems arose.
In August of 2013 I had an offer from a potential buyer, but the second mortgage company kept putting things off for so long that she had to back out, and we had to start the process all over again, after nearly a year. Once again, applications had to be made. “Hardship” letters had to be drafted. Now that I was in Italy, even more problems seemed to arise. And part of the problem had been that I had tried to pay the second mortgage off early, so I was nearly a year ahead on my payments, and the company insisted that I had to be in arrears before they would approve a short sale. So I had, essentially, screwed myself over by trying to do the right thing.
Anyway, we got a second buyer, who is apparently being a miserable arse to my neighbors. I was informed (rather than asked) that they would be renting the place until the sale went through, so I was getting some rent, but ended up paying over half the amount I got in that three months to the homeowner association for back HOA fees and special assessment, so I didn’t end up with much of anything extra. The mortgage company wanted me to pay four months worth of rent because, obviously, I had all this extra money sitting around. As though I can’t add.
At the point of the sale, I was feeling rather like Arlo Guthrie in Alice’s Restaurant. “What’d you get?” people want to know. “I didn’t get nothin’. I had to pay $50 and pick up the garbage.” I had to pay $300 before they would let me sign the sale agreement. So, no, selling my condo doesn’t mean I got rich, it means I got rid of a huge debt that I may still have to pay taxes on. I’m hoping it won’t come to that, because I’m uncertain where I would get a lump sum to send to the IRS.
But enough about that. Confetti has been thrown, cheers have been cheered, and I close a door on a chapter of my life.
My first year here in Italy has been filled with lovely people, fantastic places, and great food. I’m making new friends, slowly learning how to speak to people, and carefully trying to navigate a new culture without creating too much offense due to ignorance. I’ve been fortunate enough to have friends and family come visit, and this month I’ve got a friend from Prague coming down over the Christmas holiday for a few days, as well. Saturday, I’m having a little party here with friends I’ve made and people I’ve met, to celebrate my first year anniversary. Moving to Italy is a decision that has suited me very well and, despite some frustrations on both sides of the ocean, I don’t regret it at all.
I don’t know what the coming year will bring. I hope it will be more new friends and visits from old ones, more opportunities to travel lightly and inexpensively, and many more photos taken. It should bring a new book, as I’m close to ready to submit the manuscript to my publisher. And I know it will bring more facility with Italian as I spend more time in class working on it. My brother will be bringing his tv up from storage later this week so I can watch the Italian news and get more exposure to the language that way. Actually having and turning on a tv will be strange, as I didn’t really use one for years back in Everett.
A new year. A new phase of my life.
A new page.