¡Oh, no! Mi comprador fue rechazado por una hipoteca, ¿y ahora qué?

You?ve accepted an offer on your home and have signed a purchased agreement with the buyer. While most real estate deals will get to the closing table without any major obstacles, sometimes the purchase does fall through. One of the most common pitfalls in the closing process happens when your buyer does not get approved for their home loan. If you find yourself in this situation, then these are your options.

Most common reasons they weren?t approved

It?s extremely common for potential homebuyers to get preapproved for a mortgage. It?s certainly one of the first pieces of advice that any real estate agent will give to those shopping for a home. Today?s market is competitive, and anyone who isn?t preapproved will likely not have their offer accepted. Nonetheless, just because your buyer was preapproved doesn?t mean they will ultimately qualify for their home loan. The most common reasons they don?t get approved include:

• Perdieron su trabajo o sus ingresos cambiaron de manera sustancial.
• Su puntaje de crédito era demasiado bajo.
• Su relación deuda-ingresos era demasiado alto.
• They don?t have enough money for the down payment.
• La tasación de la casa fue baja.

¿Debería intentar trabajar con este comprador?

It can be a real challenge to have a deal fall through before it closes — especially if you have a tight timeline. If you struggled to get an offer on your home, then it may make sense to try to work something out with this buyer. They may be able to find another lender, or you can renegotiate the sales price if they had a valoración baja. However, it?s important to know that we are in a seller?s market and el inventario de viviendas sigue siendo bajo. Es probable que haya otro comprador listo para participar. De hecho, es posible que ya tenga un oferta de respaldo on your home that you can turn to if your original buyer falls through. If there?s no backup offer and your acuerdo de cotización sigue siendo válido, entonces su casa puede simplemente volver a salir al mercado.

¿Necesita devolver su anticipo?

Cuando se hace una oferta por su casa, a menudo incluirá una depósito de garantía. This is usually one or two percent of the purchase price. The buyers use the earnest money to show the seller that they?re serious about their offer. This money is kept in depósito hasta el cierre y luego se aplica al pago inicial. El depósito de garantía generalmente no es reembolsable a menos que existan contingencias en el contrato, como una contingencia financiera. This type of contingency allows the buyer to recoup their earnest money if they don?t qualify for their loan. If you?re in doubt about whether or not you need to return the earnest money to the buyer, then talk with your agent.

Póngase en contacto con Agent inc. ¡hoy!

2021 is an amazing time to sell your home! If you?re ready to get started, then contact the experts at Agente inc. al 949-791-8160 o [email protected] to get started. Let?s open your world to new possibilities!