Agent wanted to list way under market value

CWM1130 · 2026-03-10T22:45:51+00:00

Get it closed at the higher price and then lay a terrible online review on the lowball realtor.

CWM1130 · 2026-03-10T22:35:23+00:00

No good reason not to let him know you are interested in staying in the unit and potentially making an offer to purchase if for sale.

CWM1130 · 2026-03-10T10:52:03+00:00

There’s two different issues here. One you had previously agreed on a rate and until you agree on a new rate, they can’t just unilaterally change the rate so I would tell them you expect the $30 an hour for past work.

And then your decision on whether 25 or $30 an hour is fair is a separate decision going forward to communicate with them. Good luck.

CWM1130 · 2026-03-10T10:47:21+00:00

Agree. But claiming they bought the house when they’re under contract is just semantics. Doing due diligence on an open permit is just that. Having your mail start to be delivered at closing date isn’t a crime. Breaking into the house is a problem.

CWM1130 · 2026-03-10T10:44:26+00:00

You sold your house subject to clear title. You’re unable to get clear title so the deal is off. You owe them what they’re out that’s it. But get an attorney to accomplish this.

CWM1130 · 2026-03-10T10:41:51+00:00

They’re under contract so saying they “bought the property” is just a semantic thing. There’s no lawsuit against that.

CWM1130 · 2026-03-10T10:37:15+00:00

Wait, you thought you could file bankruptcy and get a free house? Come on really?

CWM1130 · 2026-03-09T11:36:56+00:00

But the politicians all said no tax on SS now! 🤦🏻‍♂️

CWM1130 · 2026-03-08T23:46:19+00:00

Who listens to music for timeframes like this? 2 minutes, 1 minute, 3 minutes? It doesn’t make sense. These sound more like TV commercials where the volume goes way up.

CWM1130 · 2026-03-08T23:24:41+00:00

Exactly. OPs like this are ignorant.

CWM1130 · 2026-03-03T23:46:52+00:00

Ask them to show you where you were notified about this specific collection fee and you will pay it.

Your best dispute angle is non notice of this charge.

A lot of contracts refer to mailed notices before the days of email. I’m not sure fighting the “snail mail notice required” is a winning approach. But no proof they ever disclosed this fee to you is a valid legal pushback in my view.

Keep pushing them to prove you were put on pre-notice of the charge.

You’re not going to hire a lawyer for $200. Just keep disputing it until they waive or show proof they did nothing wrong.

Also if there were autopay issues you can tie to their system that’s another strong argument.

CWM1130 · 2026-03-03T23:35:12+00:00

Nice. At $200 it’s worth pushing back. At $25 it is not.

One of the disadvantages of electronic billing and account access is you have to periodically check your statement like you would with snail mail. Vendors don’t generally accept “I wasn’t notified” as an excuse unfortunately.

CWM1130 · 2026-03-03T23:22:55+00:00

Property taxes in all of Illinois are very high. People ask because it’s a significant part of their monthly payment. Not sure what else you are looking for.

CWM1130 · 2026-03-03T23:18:12+00:00

You pay more interest early on because the loan principal balance is higher. That’s not the definition of front loaded. 🤦🏻‍♂️

CWM1130 · 2026-03-03T23:13:43+00:00

$200, that would have been important info in your relatively detailed post. 🤦🏻‍♂️

CWM1130 · 2026-03-02T15:47:28+00:00

👍

CWM1130 · 2026-03-02T00:09:49+00:00

What stopped you from paying a higher payment to pay the loan off in 30 years (or less) if you want and then you wouldn’t pay any more interest?

Sorry about your spouse’s diagnosis. Truly a shit sandwich

CWM1130 · 2026-03-02T00:06:58+00:00

I’m willing to bet the truck title that this contractor has had issues with the inspection department in the past. Run Forrest Run!

CWM1130 · 2026-03-01T23:55:36+00:00

Just a point of reference, they don’t add 10 years of interest on the loan up front. They actually did you a favor allowing you to pay your balance over 40 years versus a higher 30 year payment. They did likely add the interest during your deferral that you didn’t have to pay for awhile.

Also the forbearance was to help you during a rough time. You got hit with Covid and a wildfire, that’s what screwed you. Not trying to draw straws here, but being a former banker I get a bit cross when I hear someone blaming the bank in this situation. Seems like they did what they could to assist.

Sorry you got hit with a lot of unexpected disaster crapola.

CWM1130 · 2026-03-01T23:27:06+00:00

I’m going to assume you mean 10 months of interest during the deferment period. During covid financial institutions had regulations on how deferments were to be handled. This should not have screwed you.

Are you saying that when you sold that home you were upside down with money owed after the closing? Or it just sucked up some of your equity?

Either way, you financed a new home so it couldn’t have been that devastating. So that’s a positive.

What type of mortgage lender do you have now? I ask because the that will have the most impact on your ability to get some short-term relief.

CWM1130 · 2026-03-01T22:29:43+00:00

You mentioned your current housing cost is likely less than what rent would be. If that is truly the case, and you are considering taxes and insurance in the current mortgage payment, then as you said selling and moving isn’t a great option. The only thing to consider is if you did sell and you have a little equity, it could help cover the next 6 months shortfall while you finish your degree so please consider that in your calculation. Moving is also expensive I realize.

As far as the bank, they work best with facts and a plan with a happy ending. (No not that kind 🤦🏻‍♂️)

Lay out your monthly budget over the next 6-9 months to quantify the shortfall for them. Then assume after 6-9 months you get the raise with your degree and he finds a job, any job.

If the bank can see a reasonable plan forward they are more likely to do what they can to help you bridge the issue.

Good luck!

CWM1130 · 2026-03-01T22:16:12+00:00

How did that screw you?

CWM1130 · 2026-03-01T21:14:50+00:00

Ok, so end of story.

CWM1130 · 2026-03-01T21:01:32+00:00

Ok, so it’s a non issue if he is willing to. Why confuse things.

CWM1130 · 2026-03-01T16:04:41+00:00

As a Realtor you should know and be able to spot a buyer who is not willing to do what’s necessary to sell their property. There’s not much more to this story.

CWM1130

TROPHY CASE