01 Aug Should I be mad at my realtor?
**(Entirely too long rant warning!)
Not sure if this is the right sub but here goes:
Went under contract a month a go with quite a few repairs in addendum (at the time I didn't know that it was best to negotiate price of home or concessions instead of letting seller repair and was not told about that option from realtor). I "mistakenly" sent lender the contract with repairs addendum. When underwriting came back they turned a few things on the addendum into lender required repairs. Realtor was annoyed and said that the lender is going to make things difficult. That confused me considering the fact that all the seller had to do was provide proof that work was completed, paid, and performed by licensed professionals.
Fast forward to many requests to realtor for updates on repairs and all I've gotten is one receipt and two proposals/estimates all of which didn't even address half of the total amount of repairs and only one of lender required repairs on one of the estimates.
This morning, after a frustrating conversation, realtor revealed that some of repairs are being made with sellers "closing proceeds" therefore no receipts, some repairs were made without invoices therefore no receipts, and not sure if any were done by licensed professionals. Realtor suggested that we would be able to see many of the repairs with our own eyes on walkthrough. I reminded realtor that if it wasn't for the inspection, many of the issues like the electrical stuff, roofing etc. would have been unnoticed because neither of us are aware or qualified to inspect that stuff! She then suggested that I could pay for another inspection if I want to ?. That was definitely my tipping point! I told her that I would be willing to accept the word of the guys that inspected the property for me previously but I wouldn't be paying a dime. She then proceeded to tell me to watch my tone and accused me of being rude for telling her to fix it (as in this whole mess I feel she herself has created considering she "knows the work is completed" because it's "her guy" that she referred the seller to to have SOME of the repairs fixed).
Even IF realtor or seller paid for new inspection to satisfy me, the lender has made it clear to me and directly to realtor that they won't sign off unless there's proof work has been completed by professionals. Was scheduled to close tomorrow but clearly that's not happening now and I've already scheduled some utilities and USPS change of address to start tomorrow. I'm a first time buyer and this whole experience has been stressful and mainly due to issues I've had with realtor. As I'm writing this I'm realizing everywhere I went wrong. I got waaaay too comfortable with realtor and took her word as gospel. I allowed her to be snappy and unprofessional at times when I should have checked her but I was under the impression that she was teaching me the ropes. I definitely gave her TMI regarding my personal life and opinions, stuff that she may have been able to use to figure out how to manipulate me. Or maybe I'm just being paranoid.
Either way I'm confused about what steps to take next. Do I just walk away from deal and will I get my earnest money back? Will seller be able to sue me or something? Ugh.
Update: surprisingly my lender is willing to side with whatever I want to do. I want the home and have been through too much to give up now so I'm trying to get a re-inspection, to be paid by me upfront with seller reimbursing through concessions since they are out of cash apparently. As expected, I got major pushback from realtor regarding the payment of re-inspection but I finally grew some balls lol and put my foot down and said present my resolution to the seller or I walk.
Final Update: I retracted my newly grown balls and just went ahead and paid for the re-inspect since the company I used was luckily available today but was booked until next week. Just got the update that everything was properly repaired except for one little thing that's already in progress to be fixed. Hoping to still close on schedule tomorrow. Thanks for all the great advice that I'll def use for future reference. Can you give gold to a sub? ?