Yes, you have made "sacrifices" but guess what? You're probably getting a pretty good deal on a house, you're only having to put down 3.5% (the MINIMUM) and you're getting a portion of your closing costs PAID! What else do you want? I say be THANKFUL. What's $200 in the grand scheme of things?
It's too bad that you didn't know about needing to put utilities into your name, and having to buy appliances for FHA purposes. Your agent or lender should have mentioned this might be an issue. Hang in there and enjoy your new home!
Feel free to call me anytime ot discuss your specific situation.
Eli Givoni, Director
Short Sale Department, LLC
Serving all 50 states
MARS Disclosure for General Commercial Communications
Short Sale Department, LLC is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
Short sales are difficult, if the property owner has already vacated and turned off all of the utilities it's not surprising you are having to make more sacrifices than the typical buyer, as the seller has probably already resigned to not caring much about the home (otherwise they'd probably be living there) so it's you, your real estate agent and your loan officer as a team who need to make it happen. Not that it matters now, but in hindsight you may have wanted to look into the FHA 203k rehab loan so you wouldn't have had to spend money installing appliances into a home you don't own yet.