u/Tgyuu

Im not great at judging character and often give people the benefit of the doubt until it’s too late. I had a poor FTHB experience with an agent recommended from a brokerage whose agents work for and those agents were amazing. I think Im a bit of a people pleaser too…

Experience: From the get go, i got the vibe from texting that he might’ve thought we were tired kickers because i had a buy horizon of 3 months. My 215k DP was midway verified and my purchase price ceiling was set at 715k so I thought that projected that I was ready to go. Anyway, we ended up offering on the 2nd house we saw in a limited marketing the specific area I was interested in. The realtor negotiated down from 725k asking to 712k, (i found out weeks later that the property was asking 699k a few months earlier and the realtor mentioned nothing of it). Sellers close date said flexible, they traveled from the date we saw the house (june 1 to june 21st) and I was leaving on a trip June 24, my lender didn’t want me traveling during close so the realtor negotiated a close for june 23. I didnt make it a big deal that I wouldn’t be able to purchase the house if neither party would be away during closing but since the realtor was able to swing the closing date to when both parties were in town, he held that over my head the whole purchase experience. Like the seller did me a real solid and the realtor literally said on several closing items “i refuse to ask them that”. What were the items? 1) The washroom vent exhausted into the attic space and I wanted that remedied. 2) The sellers recently DIY’d the basement floor with laminate and covered over the sump pump access and I wanted that cut out. 3) I wanted to ask if the gas range had an electric plug in the back. 4) i wanted to ask why there’s an abandoned portion of downspout going vertically into the driveway but he current downspout diverts onto the lawn.

He realtor’s response were “we’ll close the house then we can figure it out”. Lo and behold the house closes and he straight up ignored everything and I still haven’t heard from him. Writing this out, makes me think I have my answer, but how should a Good realtor have responded? How should I have behaved so I could’ve been a better client?

Im not great at judging character and often give people the benefit of the doubt until it’s too late. I had a poor FTHB experience with an agent recommended from a brokerage whose agents work for and those agents were amazing. I think Im a bit of a people pleaser too…

Experience: From the get go, i got the vibe from texting that he might’ve thought we were tired kickers because i had a buy horizon of 3 months. My 215k DP was midway verified and my purchase price ceiling was set at 715k so I thought that projected that I was ready to go. Anyway, we ended up offering on the 2nd house we saw in a limited marketing the specific area I was interested in. The realtor negotiated down from 725k asking to 712k, (i found out weeks later that the property was asking 699k a few months earlier and the realtor mentioned nothing of it). Sellers close date said flexible, they traveled from the date we saw the house (june 1 to june 21st) and I was leaving on a trip June 24, my lender didn’t want me traveling during close so the realtor negotiated a close for june 23. I didnt make it a big deal that I wouldn’t be able to purchase the house if neither party would be away during closing but since the realtor was able to swing the closing date to when both parties were in town, he held that over my head the whole purchase experience. Like the seller did me a real solid and the realtor literally said on several closing items “i refuse to ask them that”. What were the items? 1) The washroom vent exhausted into the attic space and I wanted that remedied. 2) The sellers recently DIY’d the basement floor with laminate and covered over the sump pump access and I wanted that cut out. 3) I wanted to ask if the gas range had an electric plug in the back. 4) i wanted to ask why there’s an abandoned portion of downspout going vertically into the driveway but he current downspout diverts onto the lawn.

He realtor’s response were “we’ll close the house then we can figure it out”. Lo and behold the house closes and he straight up ignored everything and I still haven’t heard from him. Writing this out, makes me think I have my answer, but how should a Good realtor have responded? How should I have behaved so I could’ve been a better client?

I spoke with TD and CIBC and they both told me that variable with banks are fixed (non-adjustable), is this true of all the big banks? I wanted adjustable variable since I can’t stomach the idea of paying more interest and less principal at any given time, although after I took a closer look at my budgeting, I somewhat (half & half) regret buying altogether.

First time buying a home and I’ve found a lot of gaps in my knowledge in the chain of events and timelines and legalities.

I get that technically I’m not beholden to any lender until I sign the docs at the lawyer’s but I’m also under the impression that lawyers need time to get the paperwork together before scheduling and signing closing docs. So how close to the signing can I get before I have to settle on a lender? Someone also told me that there’s a potential that I could get in trouble for shopping around between lenders after getting pre-approved because I’m misrepresenting my intentions with the various lenders with pursuing a loan from each (hope this made sense)

I got approved and cleared from RFA for a variable (ARM) 3.8, 143k down on 712k purchase, It was through a broker and now Im finding out about Pine from WS. Im closing on Jun 23 but the lawyer hasnt scheduled with me yet. Am i too late to try and get something in place with Pine? Assuming they can come in lower?