Anyone Know a Good Realtor?

[laramie]

We've finally got a little rain, and that's a relief. It's hard for me to enjoy it though, as I'm feeling sick-at-heart. Tagster is still missing, though a neighbor who's familiar with him reports seeing him this weekend.

I spoke with Dale at AmeriQuest today and learned that Bank of America and Best Buy both failed to update their credit reports on me after I dealt with them last month, leaving my credit score just a few points lower than needed for a refinancing. If I go back to press the matter with them now there will be further delay, and an increasing risk of foreclosure - all on the off chance that BA and BB just might do what they should have done already.

I can't, in good conscience, risk that further delay. I see no real choice but to sell my home. I don't want to do it. I don't want to leave the place where I've buried my dead (pets Ariel and Guy), where I've planted flowers and ferns that were gifts from friends, where I've kept five rose bushes alive for so long, where I've hosted many a filk circle and a few Mnstf meetings, where I have room to spread out with my various art materials and books and have a home office that I can keep separate from my personal matters.

One of the hardest parts is knowing what to do about Twinkler and Skippy - the two strays who have adopted the house, but only tolerate me. If I tried to take them with me I doubt that they would stay, or take it at all kindly. If I leave them, what happens to them? Do I sell the house with cats included? Free cat with every purchase; no extra charge.

The other hard part is 'Where do I go from here?' Can I find a realtor who can help me find an alternate housing situation at the same time that he/she's finding a buyer for this place? The sooner the better?

Comments

[dreamshark.livejournal.com]

I'm so sorry that things aren't working out better with the mortgage. But it is obviously time to move forward on finding out what your house is worth and what you would have to do in order to sell it before the bank takes it away from you. There's still chance for the cavalry to come over the hill at the last minute with a refinancing, but at least you'll be prepared for the worst. I'm surprised you didn't get some comments back - probably your posting scrolled off of everybody's friends listings too fast to be noticed. You want to talk to Realtor Bob, of course. Any number of local fans can give you his contact info. Beth, for instance, who is currently in the middle of buying and selling a house through him.

[skylarker.livejournal.com]

Thanks! Geri gave me Realtor Bob's contact number, and she and Pam both gave him excellent references. I've left a message on his machine. If he's too busy, or something I've gotten a reference from Ray for someone he recommends very highly, and one for the people who helped Mahuleia sell her house not long ago.

I don't think there's a chance of a refinancing at this point. It will take too long to get my credit score up, even if Bank of America and Best Buy and the agency are as cooperative as they could possibly be. I was months behind on my mortgage when I arranged the repayment plan, and now I'm two months in default of that.

See today's post for a more positive side of things.

[davidschroth.livejournal.com]

I'd urge you to pursue both options. Yes, you should start trying to sell your house, and that may be the eventual resolution. But you should definitely insist that BA and BB correct their credit reports on you. Even if this doesn't happen in time to make a refinancing possible, it will be a good thing to get done.

Wishing you the best luck.

[skylarker.livejournal.com]

Thanks! I'll work on both fronts; I just think that there's little hope of getting the credit score up in a timely enough way.