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Pat's in stores!" I retorted sourlyto my eighth-grade American schoolmate and neighbor."Sure, the sales are great! Look Jerry, it just ain't gonna happen! Whyshould we wear green when we grow enough of it?"Being Dublin born I was naturally slighted by Paul's assertion, assoberingly truthful as it was.I was just past 12 when my father, an agriculture specialist outsideLondonderry, was reassigned by his company to South Dakota in America, toset up a branch office in the county seat of Mitchell. There, in anewspaper Dad spotted a farm foreclosure whose asking price 'was an offerI could not refuse', as he put it, and we new age Irish homesteadersmoved twenty miles to, ironically enough, the tiny farming depot of FourClovers. If Ireland was a land of rolling green heather then Four CloversSouth Dakota was a flat infinity of gold when wheat and oats and othercereals were in flower.The vastness of the land took my breath away while the excitement made meyawn. The only thing that broke the. She was silent as they walked to the car. Amy sat with a troubled look on her face."Ok, what's troubling you?" I don't understand what I just saw in there. I don't know if you just conned them or they just conned you."Brad smiled. This girl was precious, "This was a straight business deal. This mortgage is what is known as a non-performing asset. The bank is only allowed to have just so many of these in their loan portfolio or the feds get after them. I saved them the expense of going through the lengthy foreclosure process, which would have cost them several thousand dollars in legal fees, ten percent to the auctioneer, and much paperwork in the bank. When a home is foreclosed, the buyer at the auction has to put down about fifteen thousand dollars on a home like this and has to settle within thirty days. Now most people cannot settle on a home that quick so the only bidders are investors. Naturally, an investor is trying to buy it as cheap as possible, so the bank might take a loss.
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