My wife and I have been hunting for a larger house here in San Diego for several months as we’ve outgrown our little townhouse long ago. We must have looked inside at least 60 houses by now because we have a long list of criteria, and we need to get an excellent deal in a down market.
We’ve made some offers and even walked away from a deal because our house inspector found too many problems. Our agent is getting frustrated with us and I can’t say I blame her.
Finally this week we seem to have closed in on two places about a mile apart. The one we’ve made an offer on is a short sale (pre-foreclosure) in a beautiful upper middle class neighborhood. We’ve visited the house twice. The first time the owner was home, and because he seemed like a nice man, we politely asked him why he was selling. He explained that he and his wife bought the house in 2003 and were doing fine until their second daughter was born with serious medical issues that required costly care. They eventually couldn’t afford making mortgage payments
and recently filed bankruptcy.
I didn’t pry any further but I knew from public records and our agent talking to his agent that they had to take out a second mortgage to pay medical bills, and with the real estate market in decline, were left owing more on the house than it was worth — even after making payments for four-plus years.
The second time we visited, the owner was gone and the house was mostly empty except for a few knickknacks. I happened to open the pantry door in the kitchen and saw written on a small erasable white board, apparently written by the older daughter, “Goodbye House” and below that “Thanks for the memories.” It broke my heart to read that and I quickly closed the door before my wife could see it — she’s even more sensitive than I am.
I did some Googling and found a 2007 Harvard Law School study of foreclosures in four states showing that 49% of respondents said the cause was at least partially due to medical reasons.
Anyone who watched Michael Moore’s documentary “Sicko” is aware that the United States, for all its supposed wealth and freedom, ranks below several second world countries when it comes to infant mortality, life expectancy and access to affordable quality health care. We also know that private health insurance and pharmaceutical companies have among the most powerful lobbyists in Washington and are hell-bent on defending their massively profitable businesses at the expense of our collective well-being.
This week John McCain addressed the issue of health care, and it’s no surprise he came out strongly against any type of universal health care. He also failed to fully explain how he will cover people with pre-existing medical conditions or pay for any of his health care plan. By contrast, either Hillary Clinton or Barack Obama will strive to push this country forward so more Americans get more coverage at lower cost with help from the federal government, even as lobbyist-funded GOP strategists try to trick the electorate yet again with scare terms like “socialized medicine.” This is yet another important issue on which John McCain offers little more than a continuation of the disastrous, failed George W. Bush policies that have made the American dream more of a nightmare for people like the owner we met. His only “mistake” was having the misfortune of bearing a child with a genetic flaw and having the willingness to sacrifice just about everything to give her something approaching a normal life.
I don’t know if we’ll end up buying that house or not. If we do, the first day we move in I’ll erase that white board in the pantry. But I’ll never be able to completely erase the sad memory of why that family had to move and what that says about a so-called “compassionate conservative” in the White House who spends $341 million every day in Iraq but won’t spend a nickel to fix a health care system that is heavily contributing to the skyrocketing rate of foreclosures.
–Theo Chen


