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Each month AR runs numerous contests as a way for our members to engage in activities
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Your Homepage will alert you of new questions in your state
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These state pages or hyper-local pages provide content directly related to a specific geographical location.
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Farm your niche market and cover all the happenings in your neighborhood
I was at a class last week on Short Sales. The instructor asked the question "Who is responsible for the current situation where so many homeowners find themselves in danger of foreclosure?" The ideas started to fly around the room. It was the stock market, the government encouraging home ownership for all, the banks, the mortgage brokers, unemployment, etc. etc. Well, I raised my hand to add that although it might not be popular in a room full of Realtors, we as a group had to accept some of the blame. In the frenzy of easily obtained mortgage money and the brisk paced market we were taking out people prequalified for mortgage amounts that really were not feasible. I said that as a buyer's representative I would often find that clients had no idea of the monthly payments they were "prequalified" to make. Many times I would say well based on your income you could qualify but do you want to eat??
Many agents in the room agreed but there were still a few that said some disturbing things. Well I assume that the financial details were reviewed by the mortgage lender.... It isn't my job to tell someone that they can't afford what they want.... and most upsetting, well I tried to tell someone they could not afford a $450,000 house once and lost them as clients so I stopped questioning them. I was floored that this was admitted in the class.
Bottom line we are acting in a fiduciary relationship with our clients. We are required to look out for thier best interests. If you work for the seller you need to explain the bottom line of an offer, they need to know how much they will clear at closing and all the things that can affect whether the offer is something that they can accept. If you work for the buyer you absolutely need to make sure they understand what they are getting into.
I hope that I can make a living doing this work for a long time to come but I won't let fear of losing a buyer or seller because I point out important financial information to them. I trust that most of us feel the same. I may lose a client but I can sleep at night.
I'm Paddy Pizappi - Work with Me and You'll be Happy!
Paddy Pizappi, Associate Broker for Buyer Representation RJ Smith Realty - A Real Estate Solutions Company Serving the Greater Hudson Valley of New York from Pine Bush, NY at the corner of Orange, Ulster, and Sullivan Counties Call or Text to 845-800-7086
My blog will deal with working with buyers, my life as a mother of 3 teenagers and how to fit real estate into the other aspects of my world. I will also speak on volunteer efforts to assist my community
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.