We are sitting in the kitchen of a lovely home in Murrieta. My client is taken by the upgrades all over the place. Granite counter-tops in the kitchen and the bathrooms. Tile floors throughout the downstairs. Nice carpet with a decidedly upgraded pad.
"We want this one," the wife boldly proclaims!
"Who are you qualified with?" (shame on me for not asking this question sooner), I ask.
"We haven't looked into financing yet," she says.
"Banks will not look at offers without a pre-qualification letter," I say.
"That is ok, we will call our lender today and get that ball rolling," he says.
We part company that day with a promise to chat the following day. I sit and wait as they confer with the mortgage officer. He requires documents in order to qualify them (bank statements, income verification, credit scores, etc...). It takes them all day to get those documents together.
The next day (day 3) they get all of the information to the lender. I get the pre-qual a little after noon. I was prepared and had the documents ready. I send the contracts and the pre-qual to the listing agent.
Now, we are both waiting. My phone rings off the hook...literally. I get calls every 3 hours from my clietns, wondering if there is any news. And of course there is not. I call the listing agent. Message after message is left, emails are left...NO RESPONSE! The listing agents are so busy that they do not care about good service.
Finally, on day 10 we get the call. "We accepted an offer 5-6 days ago," they say.
Two weeks have gone by, and somehow we are just barely to step 2. We sat in the kitchen of a beautiful home, unfortunately, we just weren't ready to buy.
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