A New Orleans lawyer sought an FHA (Federal Housing Administration) loan for a client. He was told that 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 FHA, he received the following reply:

“Upon review of your letter adjoining your client’s loan application, we note that the request is supported by an Abstract of Title. While we compliment the able manner in which you prepared and presented the application, we must point out that you have only cleared the Title to the proposed collateral property back to the year 1803. Before final approval can be accorded, it will be necessary to clear the title back to its origin.”

Annoyed, the lawyer responded as follows:

“Your letter regarding Titles in Case No. 189156 has been received.

I note that you wish to have Titles 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 arena, 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 to the prior to U.S. ownership was obtained from France, which had acquired it by Right of Conquest from Spain. The land came into possession of Spain by Right of Discovery made in the year 1492 by a sea captain named Christopher Columbus, who had been granted the privilege of seeking a new route to India by the then reigning monarch, Isabella.

The good queen, being a pious woman and careful about titles, almost as much as the FHA, took the precaution of securing the blessing of the Pope before she sold her jewels to fund Columbus’ expedition.

Now the Pope, as I’m sure you know, is the emissary of Jesus Christ, the Son of God. And God it is commonly accepted, created this world.

Therefore, I believe it is safe to presume that He also made that part of the world called Louisiana.

Now, may we have our loan?”

…..

THE GOOD AND THE BAD NEWS

The following letter from the family’s solicitor is addressed to a member of the British aristocracy who has been spending much of the summer in his residence in the south of France leaving his wife in the United Kingdom to look after the ancestral home.

Dear Sir Royston,

I hope you are having a good time on your holiday.

I say this with sincerity because I am afraid that I have some bad news for you, although there is good news too. First the bad news. I am sorry to tell you that your favorite dog, Honey, is dead. The vet says that she died instantly and could have felt no pain. She was kicked in the head by your horse, Sherbert, though I’m sure that no blame can be attached to Sherbert, frightened as he was by the fire in the barn.

I’m afraid that Sherbert was in the barn along with your other horses when it burnt to the ground. The fire brigade had been called within a short time of the barn catching fire and would normally have been able to put the fire out. Had it had not been for the fact that the tender crashed into your Bentley in the lane. Your wife had taken it out for a spin with your brother. As it was, both the tender and your Bently were written off. No blame can be attached to your wife for the accident I’m sure.

The Bentley was stationary at the time and your wife was in the back seat of the car. She managed to escape death only due to the fact that your brother was lying on top of her at the time of the collision. The doctors say that given time she will regain her sight but that she will never walk again. She has also lost her memory and cannot even remember you. Your brother, unfortunately, was killed.

I should explain how the barn came to be on fire in the first place. You see a spark from the house blew over and set the roof alight. The fire started in the main hall of the house where, as you know, your Mattisse and your Picasso once hung. I say `once’ because they are not there now. Fortunately neither of these paintings were damaged in the conflagration as they were stolen beforehand by the burglar who started the fire.

Although all of this may seem to you very serious it is not in fact the bad news that I wrote of. Your wife and brother had been visiting your Insurance agent in prison where he is serving a three year sentence for fraud. I’m afraid that none of your insurance policies are valid.

As I said, there is some good news. The heat from the fire warmed your greenhouse and brought your flowers on.

Yours sincerely, Ernest.