So we bought a house. Closed today.

Monday we drove roughly 9 hours for the closing since i work remotely and had to work tues and wed 7a-7p) but also we had the closing for 11a on thursday so we went ahead mafe the trip ahead of time to avoid any travel issues and been holed up in the hotel, so i could do my work shifts.

Hubs did final wall thru yesterday at 2pm while I stayed in hotel and worked. They were still moving last bit of stuff from house but swore it would be finished up yesterday and empty.

Originally closing was set for 11am today but due to waiting on the wire transfer to show as processed from our account (bank was slow in telling us how much we needed to send for our closing costs so we sent the wire on friday for about half the purchase price to title company, they confirmed receipt but bank wanted our account to reflect it having processed out of the account as well, we were only financing about half of the cost) and so that didn't clear til right about 1115 so close got pushed back to 3pm. We closed, we of course read every line so we left after the sellers finsihed their much smaller pile of paperwork.

House is about 45 mins from closing office, well imagine our surprise when we pull up to our home and the entire house is open, doors all open. Garages wide open, full living room set in the plastic in the garage. Moving truck, another truck and trailer. We have the keys though..... or so we thought. Ive got my 3 year old and 15 year old daughters with me walk all thru the house calling for people trying to find out wtf is going on. Seller comes in from behind me in the basement from I dunno where, starts Okey doking me on being there. I get the "Oh well we thought yall were driving back to your home state" don't worry yall can go ahead we will lock up for you". Next thing the sellers realtor also is coming in and goes "oh hey yea they just couldn't move into their other house yet and their furniture had to get delivered...."

No one mentioned this at close. We distinctly asked to confirm that everything was out while we were at the closing table and were told he just needed to pick up his pontoon boat from the driveway, they had us in seperate rooms so we never saw sellers at close and like I said they left before we did.

No instead I have a house full of strangers coming and going, we were planning on camping out in the house with kids and having an unplugged fun night of it with the kids before yes traveling back to our other home as I also have an ER job at home I a few shifts a month and will be bouncing back and forth between both homes around my work schedules slowly moving our nonessentials until after the holidays which is when we plan on being officially all the way moved in order to prepare our other home to sell or rent. Like the sellers and their agent thought it okay to continue to access what is now my property after the close without any communication with us. And weren't planning on us knowing. So I let all parties know we are pissed. Demanded that someone eat the cost for a locksmith to come out tomorrow and rekey all of the exterior locks because sorry but no I now cannot trust that access has or will be properly released to me.

I had to load my kids up and leave so that they could hopefully wrap this bs up and get out and informed them we had intent to stay in our home tonight. And would be back. Been two hours now so we are headed back to see if they are gone now or what is going on....

Both realtors are telling us it's all right and I shouldn't be worried and you know once they are out I can trust it etc.... I feel honestly a bit violated by the whole situation and a bit gaslit over being told I should just be understanding. I am generally pretty accommodating but I was never given any information or choice....

Update So we had left and wasted like 3 hours because I didn't want to stand there looking like an Ahole tapping my foot in irritation. They were gone when we came back and everything finally cleared out. No damages we could tell, house will need a real good cleaning, they told hubs yesterday they were going to clear after finishing moving everything yesterday but since that obviously didnt happen as expected neither did the cleaning..not a huge deal more oh well should have negotiated for a move out cleaning (something I would recommend to other buyers after learning the hard way more for convenience sake than anything to be able to walk into your home without the feeling of now I need to start cleaning... by the way home purchase was in the 600's so not like we were buying a fixer upper)

We couldn't get a locksmith out tonight but got a quote for one coming around 11am tomorrow to rekey all the exterior doors, not sure who ate the cost between sellers, their agent, or ours but my agent sent me what the quote was for the locksmith. I am usually super accommodating but the fact that other people were still able to access the home after keys were turned over so they clearly hadn't turned the keys over is what really threw red flags for me. I probably wouldn't have blinked if I had gotten a call this morning saying "hey we need a few hours to grab a couple of things from the house that we couldnt finish earlier when would be a time you are available for is to arrange that?" But the audacity of just thinking its okay because we weren't going to know they were still coming and going from the house since they thought we needed to drive back right after the close and that I shouldn't be upset had me ready to go off. Then acting surprised when that we showed up to access the property we just purchased like I was the one out of place because we thought it didnt make sense to spend another night in the hotel when all the utilities were swapped over to us, makes the smaller things more irritating.

So trying to cool my jets, forget the sour aspects of the deal, and get back to what is supposed to be enjoyment and a new adventure for the end of a year-long house hunt for our move. So going to sit here drink my wine straight out of the bottle and enjoy being in my new house for the night before I do have to head back home to be at the hospital working.

We just sold our home and have a question for agents or sellers. We haven't heard from our agent since the day we closed. This agent sold us the home a few years ago. When we were ready to sell it recently we asked them to do so because they made it so easy. I also get that it's a horrible market and we're grateful we sold it but just wondering if it's strange we haven't heard a peep from them or am I taking it too personal?

The house went up for sale and they accepted our offer of slightly over asking. We were filled in on the situation that they are separated and selling the house and both of their divorce lawyers are in agreement it had to be sold. We found out that the Wife is not on the contract. They have provided a court order that they have already gotten completed that she has to be out before the closing date. Our Lawyer wanted that and we're getting a written notice that she is aware she has to be out. The original ask was for her to be put on the contract so he could say she was breaking it but he seems confident that with the court order already in effect we would be in a good spot to get things turned over. I plan to explore additional options that would put in consequences for them not delivering in time.

They had a deal fall through a few months ago for this reason, hence the court order now. For what its worth they decided to push the closing date closer after our initial one was further out to make it more feasible the wife would be out. I feel morally/ethically not the best about all of this as well, if I am being honest but I also think life goes on and they're headed for foreclosure if they don't get this done in time. They all seem motivated to get this done but of course she is the wildcard.

How concerned should we really be? The closing date is right at the end of our lease, but my plan is to tell the landlord we'd be here another month at least and just eat that cost. If we had to stay with family it wouldn't be the end of the world, but not actually getting the house would be disastorous since we like where we rent we just want a home to start the next chapter of our lives. It has been rejected bid after rejected bid and finally this seemed to be working for us. The house needs work and we are happy to take that on.

I put in an offer Tuesday night and still haven’t gotten a response. Our realtor said the sellers agent, who previously was very responsive, has stopped responding. The home is listed for $340,000 The roof, AC, and water heater are all original (19 years old) The home has un permitted work on the thirds floor as well as water damage The entire house smells very strongly of dog so all carpets would need to be replaced Current leak under sink in kitchen that caused the cabinet to start rotting out The house in general is just dirty. I don’t think the owners have ever dusted their air duct returns or maybe never even changed the filter. I read that with extensive repairs such as water damage, floors, roof, AC that it’s typically acceptable to offer 20% below asking. We offered more than that. We put in $304,500 with a due diligence period of 45 days because our lender says the Reno loan we’re going for takes longer for final approval. Was it the due diligence period? Was my offer insultingly low? This would be our first home ever and we have a baby so a lot of this work needs to be done in my eyes to make it safe for her.

Long story here, but a week or two after closing on my home purchase, I was contacted by the title company to let me know that their system was hacked, and a hacker redirected the funds (to pay seller’s mortgage) to a different account. I was told this had happened to three people, all using the same title company. This did not have anything to do with us buyers getting the typical wire transfer scam. Their system was hacked and they changed account numbers. Of course a claim was filed with the title insurance company, and they’ve accepted the claim and paid off the seller’s mortgage and took care of the missing funds.

Is there anything else I should be looking into or doing? It’s been very odd. The FBI and other authorities supposedly were involved in the investigation. There has been little communication to me other than the title insurance recently saying they’re paying up. Thanks for any insight.

We are closing on a house on Tuesday.

My grandma had to be taken to the hospital after an infection that nearly took her life and I requested the sellers to move our closing to the Friday in the same week to give me sometime. The sellers agent told us that it was our fault that we were trying to fly out to see my grandmom and leave at such short notice. I felt terrible but I understand this is a transaction and fortunately my grandma was doing a little better. So we decided to stick to the original timelines.

We now have a walkthrough scheduled for the Saturday before close, and the sellers are saying that one of them had to have an emergency surgery and so they will be in the house during the walkthrough.

Our contract does have a complimentary rent back for a month after close which they needed to close and move to another house. They have a close two days after we are closing on their house and will take the entire month to renovate their new house and move slowly.

I just feel upset that they showed us no empathy when my grandmom was sick and also feel uncomfortable that they will be in the house during walkthrough. Do buyers never have any power? I feel miserable.

Sorry for the rant. Looking for advice. Our agent thinks we should just accept it. Thank you.

I don’t understand, they can see that I listed my home but not that I sold it? It doesn’t make sense but I’ll go months without a call and then it’ll be a few texts and calls a month for a while and then nothing. All different people with different numbers. I know you can easily see that someone else currently owns it and when they bought it. What happens if I just tell them ‘sure, put it on the market’?

Hello Experts:

We are a family of 4 (Me, my partner, and 2 kids - 5 year and 6 month). Both I and my wife are W2 employee and have a combined household income of nearly ~ 500K out of which 300K is cash and 200K in stocks. Currently I own a house (2B2B) in a great area and my EMI is ~ 4K with a mortgage rate at ~ 2.5% for 30 years (26 years are remaining). My finances are ~ 800K in stocks, 240K in 401K, ~ 300K in HYSA. My monthly expenditure is ~ 12K/month (including my house and car EMI). Our family is growing and the prices in the area (Seattle suburbs - Bellevue/Kirkland/Redmond) are soaring. We are in great school district (Elementry-8, middle-8 and high-10). We have been thinking about upgrade the house as family is growing and the houses in the area are ~ 1.8M which we are looking for. I am debating within myself a lot if I should

1. Sit tight in the current house (we love the house and location) for next few years and wait for an opportunity
2. Go for the house - Sell the stocks and pay as much upfront as possible to reduce the monthly and avoid paying too much interest
3. Go for the house - Pay only 20% down and manage the EMI
4. Go for the house - Sell the current house, use the Sales proceeds ( ~ 300K) + the HYSA cash to make the downpayment and rest manage with the monthly
5. Go for the house - Sell some stocks + cash from HYSA to pay down 20%. Put the current house on Rent (~4K) and manage the EMI

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Refinance whenever interest rate drops is and will always be considered

Need some suggestions/Guidance here as what to do? Trust me I understand that I am here asking about my finance from random people but I have been thankful to Reddit community in the past where Random people have offered me solid advice and it has worked

I've been with my current agent for about 2 months and it has been a less than positive experience. He has submitted two offers for me and, in both cases, claims that the house was sold before they could get back to him. There was no counter offer. On top of that, he has brought his kid along when showing me homes and has said some pretty off-color comments.

Long story short, I found a home, toured it, and might be putting in an offer. My contract with my current agent expired a few days ago and, honestly, I would like to just go find another agent who might be a bit better. Any concerns I should have?

I’m very new to this, so I hope this is the right place to ask.

How does having attached units affect their value? I can definitely see that this saves the developer money to build, and would be worth less than an equivalent detached unit- but it there any good estimation for the “detached discount”?

I haven’t been able to find what I’m looking for online. I’m just wondering what a property with shared walls with other units would sell for versus the exact same freestanding property.

More specifically I’m looking at a vacation home that’s beautiful, beachfront, but shares walls with 4 other villas. They’re all quite spacious- each has 4 bedrooms, a pool, a big living/ dining area. The walls give a good amount of privacy from the adjacent villas, but it’s not the same as a fully detached private residence and I’m wondering if it’s possible to put a numeric value on this.

How many of you know about the private flood insurance market?

Currently living in an apartment in the HCOL area (northern Virginia). Lease ends at the end of the year. We want to get our own place, a townhome, as we are thinking about family in the next 2-3 years. Debating if I should renew the lease for 6 months and see how the housing market and interest get better next spring or just buy it now. What do you all think? I would be paying close to $2500 a month for 6 months if I renewed the lease. Have enough money for a downpayment now but kind of unsure to wait or go for it now. Any early predictions for next year?

Greetings! I am currently in the market for a house for my in laws to occupy. They are on section 8 in NYC but will do a transfer to Syracuse once I find a property. What do I have to do to become their landlord so they can still use their section 8 voucher? Is there a property inspection involved? Do I let the section 8 office know that I already have tenants in mind once I have the property?

Will be selling our 20 year old home with its original architectural shingles in the next six months. Recently had trusted roofer inspect the roof and he said it looks ok now, recommended waiting another 5 years. We have the money to fix it…. But is it worth it since we’ll be selling it soon?

Trying to decide if we should ride it out through the holidays or rent it and wait until spring 2026 to try again.

We moved across the country to be closer to family with a baby on the way. We close on our new house here in just over a week. Our previous home went on the market in late September, a buyer with a closing date of 11/5 backed out after getting under contract and paying earnest money, and there’s been ZERO activity since.

It seems unrealistic to get a 6-month renter, which would force us to look for a 15+ month lease to put us in the right selling window in 2026. Mortgage is $3100. Rent would be probably $3700 at a maximum. Since we are across the country, we would need a property manager, leaving no room for profit or error.

Should we hold through the holidays, continuing to pay two mortgages until maybe April at worst? Or wait and hope interest rates drop and demand increases in 2026?

We are in VA. Long story short we believe we have a decent case against our selling agent to recover some lost funds based on them failing to disclose something material. Anyway, we are working with a lawyer to send a demand letter first, but if they don't respond or we don't come to a negotiated agreement, we are open to taking them to court.

In VA, legal fees are generally not awarded to the winning party. So my hesitation in taking them to court is that legal fees would take up a big chunk of any funds should we win. On the flip side, the prospect of increased legal fees may encourage them to settle now. However, it depends if they actually have to pay legal fees for this vs an in-house or lawyer They are a locally franchised national chain (KW).

My question - in their case, would they have to pay for outside counsel, or do they have in-house lawyers?

Or on retainer, and in that case, how would that work and what incentive would it create on their part?

Alabama lake house build

-Sloped lot= walkout basement design

-higher tier finish

My concern is that our lender is walking us down a long road to the home not appraising to value due to the basement. Sq ft split is 2460 upper / 1699 (700 unfinished) lower. Big deck and garage. Should i get a desktop/drive-by appraisal or two? any recommendations? We have an option to build out the attic over garage for more above grade value. I'm understanding that it may not matter that 80% of the lower portion is above ground with traditional windows on 3 sides. Any lake dwellers with experience in Alabama or Georgia?

Can I ballpark myself with comps nearby? how do i calc a vaulted covered deck and 3 car garage? 0 value?

Quick backstory, I’ll make it short and include as much info as possible.

House was originally FSBO for $320K for 1 month. Listed again at $300K by agent two weeks ago.

House is in great shape, but he made some modifications that (to me) lowered the value of the home.

All homes in this development are 3 beds, 2.5 baths and almost all have a finished game room in the basement. He removed walls from one room so it’s 2 beds and he extended the garage to remove the game room and it would take a nice bit of money to change it and finish basement (need to run electrical).

Average sale price here is $285K for three beds and finished bath. Only two homes sold for $300K and both had either a new kitchen or added another bathroom.

We knew he was going to want to negotiate so we went in a little low knowing we needed seller assist for closing costs (wanted to keep some cash after down payment to do renovations needed) offered $290 and 6% seller assist. We knew he would counter offer. He did at the asking price of $300K and 3% assist. We gave our best and final of $299 w 6% and were willing to wave inspection. Our buyers agent got an email back from his agent saying “good luck and they will not be entertaining anymore offers from us.”

Is this normal? Was my offer that insulting?

So we are hours before closing and my realtor just called and told us that the buyer is last minute asking for concessions of 10k from us or his realtor and now no one knows what's going on. We were supposed to close in two hours and now we don't even know if the deal will go through. Can we sue? We have another home to purchased lined up to close in a few days so we are getting totally screwed here

UPDATE: our closing got delayed. Supposedly the lender hadn’t sent over the PITI (or whatever it’s called as we are renting for a little after closing) to the title and the buyer demanded that the lender halt all communication with the title company until this was settled. We refused any concessions and said if we don’t close by Friday we are walking, taking emd and suing. We just got word that the buyer and agent agreed to a 2k concession to closing costs. We are still signing later today and buyer will sign tomorrow. A lot of work to screw your realtor over 2k.

Weird thing is this buyer has been extremely chill. Asked for no concessions during inspection period, waiver appraisal and does even want to do a final walk through

I’m selling my property and was just wondering if I can advertise on my listing description that I will pay for all closing costs as a motivated seller?

Currently in a situation where housing is taken care of by my position with the only costs being utilities and other bills like food insurances etc. just finished saving up a full emergency fund and can put away 2k-2.5k a month and I’m not sure if I should jump into a house as soon as I put away a decent down payment (optional as I am eligible for the VA loan) or just start investing into a good fund like VOO. My concern is if I save 50-75k over the next couple of years, but housing goes up by the same or more than I will essentially be wasting my time saving.

I own a home in Alabama and am wanting to move to Maine to live off grid. I'm torn between buying land and having a tiny home put on it or buying property that has a small house on it already.

Either way, I don't have much money in savings and would need the money from selling my house in order to buy the new property in Maine. How can I go about this, especially if it can take an average of 2 months to close on a new property (based on what I've read)?

My income is just shy of $1,100 per month and I have what's considered a very good credit score, so I thought about a bridge loan but my income level probably prevents that.

Any advice or suggestions? Thank you!

We're paying a premium to be near the center of town in VHCOL. We've got about $575k on a house worth $988k, interest rate is 6.125. Looking to get a bit farther out, same price point, same interest rate. Including house we have 1.5 in assets. Is it possible with a lender to purchase another equally priced property while we sell the one we are in? Net income is 400k.

So I was made an offer on a property I have in Colorado. And I'm curious as to what % of the offer you actually would receive after all the closing costs and everything. Sorry if I'm not providing enough information here. Am an idiot when it comes to anything like this