I’m glad it’s done,” Gardner said wearily. His salary as an MorJoann’s parents, Johnnie Gardner, 87, and Estelle, 88, bought the two-bedroom in the Sobrante Park neighborhood in 1954 for $11,500. “I just want to sit down and have some Hennessy.” … Most foreclosures nowadays are homes purchased just a year or two ago with no money down. But the Gardners’ home is different. Another Pathetic Foreclosure Story I nearly choked on my omelette while reading this one in the Sunday paper this morning. Broker fees may come in different forms, either as an addition to your interest rate, a separate fee, or points paid at closing. With all these additional fees, you might find that your best mortgage rate deal may not sound so great after all.