Realtor won’t make offers I want to make.. is this normal?
So this is my (36f) first time looking to buy a house. I have a child (5m) and my husband passed away 2 years ago. We currently rent a house from my in-laws but they’ve been not so nice to us. The day my husband died my MiL said “you can stay here as long as you like” then the next day she came back and said “I misspoke”. Because my FiL is an asshole.
I’m a teacher as well and when he learned childcare was free to teachers in our district, he wanted to raise my rent by 75%. My husband made 6 figures but I don’t. And they’re about to put a timeline on me leaving because “he just doesn’t want to be a landlord anymore”. Can’t buy this house because our neighborhood doesn’t have any kids and I want us to live somewhere with community. That was just the background..
My realtor is a wonderful human. I used to work with her at a school and she left teaching to pursue real estate. But I’m just not very knowledgeable about things and I think she’s maybe not doing the right things?
We’ve been looking for new builds for incentives, I made sure that she knows I want a community center in the neighborhood. But she’s taken me to a few new communities that will not include amenities. And I’m like why did I even look at this if I can’t have it?
Then I found a resell house I REALLY loved. It was in a great neighborhood with a big community center that throws events and there are so many kids my son’s age so he could grow up with friends playing in the neighborhood.
The problem was.. it was WAY above market value and I wanted to send a low-ball offer with a letter about my situation. Tbf it was $80k less than asking. I will have about $150k-$200k to put down from my husbands’ life insurance and I’ve been told this is a good thing. But she refused to send a low-ball offer.
I just thought, what’s the worst that can happen? They say no? But she wouldn’t. She said it was “disrespectful” to do that. Is that true?
Does it look bad on her if we make a low-ball offer? Is that why she told me she wouldn’t? I was so upset and took a month off looking. The seller took the house off the market so I’m like.. what if we had sent the offer? Would they have sold to me?
I don’t really know what to do. I also asked if she would contact a seller who is renting a house to see if they would be interested in selling, but she wouldn’t do that either. Is this normal?
Am I being swindled or is this regular realtor things? I just thought she would fight harder for me. The universe screwed me and my son over, so I will be using that to try and get a better offer. I’d just love some feedback.
ETA: I now understand that writing a note to a seller is not a good idea. Thank you for all of the kind words of advice some of you have given. To the others who are making negative comments about my “sob story” of the death of my husband, I hope you never have to experience a loss like this in your life. Please be kind, you don’t know what everyone is going through.