In few months I will be moving to Hawaii on a work related move. I joined a website to view home listings. An agent replied with a generic letter, I replied and she put me in contact with an agent. What little I could find out made this agent sound fairly impressive, if not a little out of my league with the value of properties she normally deals with.
I send the agent an off the cuff list of things I'm looking for in a house or condo. and tell her what I'm looking to spend based on my down payment. I told her what I wanted to keep my monthly housing payments including principle, interest, insurance, taxes, maintenance fees and homeowners association dues below. She immediately starts steering me towards the new developments they are building on Oahu, I'm vaguely familiar with this as this company has been developing this part of the island for quite a few years. The problem is these houses even at the lowest end of the spectrum are beyond what I initially told her I was interested in paying. The developers website only gives the most basic price info "Starting in the low $400's". I told the agent I would think about it, but would have to really see how the numbers played out and if I could really afford it.
The agent sends me back an email telling me I'll qualify and how great the houses are. I told her yes they are very nice, I checked some youtube videos and looked at the floor plans in a brochure. I applied for a pre-approval, and told the agent, she replies with "oh I told you you would qualify", never mind the bank hasn't actually approved it yet. The problem is all she talks about is wanting to hookup and talk on skype to show me the houses so I can pick a floor plan. She commented about me not being able to find price info on the web...then proceeded to not give me any of the price info I asked about (actual base price, upgrade prices, fees, etc).
I honestly don't think she's really reading my emails very closely, she just trying to stuff me into one of these new houses...yes they are exactly what I want. But she seems to not really care if I have to live paycheck to paycheck to pay my mortgage. It doesn't help that she asked me in 3 different emails if I was active duty military even though I answered her in each one. I know she is trying to steer me towards a VA loan even though that's not what I'm interested in using. I'm trying to avoid becoming a statistic like so many people who bought more house than they can afford.
I'm wondering if she's used to dealing with people who are buying multi-million dollar homes and for whom price and payments is not an issue.
I'm really getting close to telling her "thanks, but no thanks. I no longer need your services".
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