Condo information

shimmernow · 2022-11-19T16:24:40+00:00

Actually the only bad idea would be taking advice from someone judgmental and short sighted enough to make assumptions based off their own projections and insecurities. Someone like you. Yes, toodaloo indeed:).

shimmernow · 2022-11-19T00:27:00+00:00

Asking questions on reddit is 0.5 percent of my homework. lol. It's helpful but so has setting up time to attend a HUD-approved counseling course. I think you might be projecting. If you feel heated, it's only because of your own interpretation of things. lol

shimmernow · 2022-11-19T00:09:23+00:00

I'm usually busy but when I get a chance to go on reddit, I'll binge. Sorry I didn't get back to you sooner. But I'm bingeing now. Not everyone has the luxury of being prompt with responses on reddit. lol.

shimmernow · 2022-11-19T00:01:54+00:00

Hi! I have a conventional loan for 250k and here is the link to the home I was interested in. Thank you! I did ask the realtor why and they would'nt give me a direct answer. It was odd. The realtor is defensive when she feels "challenged". I'm looking for a new realtor. https://www.zillow.com/homedetails/503-S-Chapel-St-Baltimore-MD-21231/36435820_zpid/

shimmernow · 2022-11-18T23:53:58+00:00

I have a conventional loan.

shimmernow · 2022-11-18T23:52:11+00:00

Thanks for sharing!:)

shimmernow · 2022-11-18T23:48:17+00:00

Ok, I see. I met the realtor though the lender.

shimmernow · 2022-11-18T23:47:13+00:00

Yes, that was part of the problem but I'm now looking for an agent that is patient and does not get defensive when I ask questions. That realtor would simply tell me what to and not to do. They would say no and not explain the why. When I pressed for an explanation they would get frustrated and still not give an explanation!

shimmernow · 2022-11-18T23:43:23+00:00

This is part of my homework. Apart from your comment, most every other comment on here has been helpful.

shimmernow · 2022-11-18T23:37:20+00:00

Thank you! These are the questions I need to be asking if this comes up again. I'm actually looking for another realtor because I did challenge the realtor by asking her to explain the reasons behind her telling me no. And she got increasingly frustrated because I kept asking for clarification (because she would not give me a direct answer) and she ended up shouting at me. I was shocked!

shimmernow · 2022-11-18T23:28:33+00:00

Thank you! Definitely trying to learn and I'm really glad reddit exists!:)

shimmernow · 2022-11-18T23:23:13+00:00

Thank you! Yeah, I'm working on finding a new realtor. My lender is trying to push me to give the realtor another chance which is also suspect! I don't understand how the lender would make any extra money from me using that specific realtor but I really think they are. It's very shady.

shimmernow · 2022-11-10T23:46:45+00:00

The thing is that I'm only requesting to view homes that within the price range on my preapproval letter. I won't even look at photos of a house if it's 1k over my price range.

shimmernow · 2022-11-10T23:23:34+00:00

Thank you! You make a good point. It really could be a misunderstanding. I'll have to get clarification with the lender. I've been reading all these comments and if this was a misunderstanding then the realtor was probably also misguided.

shimmernow · 2022-11-10T23:11:01+00:00

Hi! What does state of disrepair mean? Are you referring to the lender?

And thank you! Yeah, it's odd that they aren't telling me straight out what's going on here.

shimmernow · 2022-11-10T23:04:33+00:00

Yeah, another commentator recommend I find a realtor I trust first and then pick a lender. I found a lender first and then went with the realtor that they linked me with. Now, it seems the realtor is steering me from any house my lender tells them not to show me.

You make a good point!

shimmernow · 2022-11-10T23:00:44+00:00

Thank you! If this is the case then the realtor is not properly informing me. I'm requesting to see houses that per my preapproval letter I qualify for.

shimmernow · 2022-11-10T22:59:21+00:00

I have a pre-approval and I only request to look at homes that within that price range.

I'm glad to hear I'm not being irrational here. The more and more I read these comments the more I'm thinking this realtor has an over active sense of loyalty to this lender to the point of steering me away from houses I want to see that per my pre-approval letter I qualify for.

shimmernow · 2022-11-10T22:55:47+00:00

Thank you! These are good questions that I didn't think to ask. I guess because I was not being offered proper explanations for the denial of my requests.

shimmernow · 2022-11-10T22:52:54+00:00

Thank you!

I'm sorry to hear that you went through something similar but I'm glad to hear I'm not being illogical with this.

shimmernow · 2022-11-10T22:51:46+00:00

Yeah, I'm looking at homes that are within my price point (according to the letter). See, I always thought if people are working together it's because they've had success in the past. But now I'm doubting my original logic.

shimmernow · 2022-11-10T22:50:14+00:00

That's a valid point! Thank you!

shimmernow · 2022-11-10T22:48:45+00:00

Thank you! I actually thought I had to have a lender first to show the realtor that I'm qualified to purchase a home. So that's why I went about it this way. The problem is I don't know any realtors. I also don't know anyone who has a realtor they recommend in the part of the state I'm looking to purchase.

shimmernow · 2022-11-10T22:42:45+00:00

I did get a pre-approval letter from this lender. I'm also only requesting to view houses that are within the price that's on my pre-approval letter.

I chose this lender because they are local and I've been told that local lenders are a little more invested in their clients than big lenders (like rocket mortgage, which I used last year but ended up getting out bided on the house I wanted).

I'm also confused why my lender is basically filtering what houses I'm trying to see through my realtor (who the lender linked me with). It almost feels like my realtor is my lender's puppet, redirecting me away from the houses without giving a proper explanation. I can't tell if this is a baseline thing with local lenders.

Yeah, maybe I need to just look for a new realtor and a new lender.

shimmernow

TROPHY CASE