Home Buying in Doylestown>Question Details

Mommy34, Both Buyer and Seller in Pennsylvania

I bid on a house recently and had a solid offer. I make a good amount of money and have been working at my

Asked by Mommy34, Pennsylvania Wed May 6, 2009

job for 13 years. I prepared the bid with my realtor and filled ou the financials. I only owe 1,000 in my credit card and have no other debts except for my current home which I just sold. I was told that eventhough my bid as higher, the seller chose the lower bid. My realtor said that the reason that was given to her was that the other buyers were older and had more money to put down on the house. I was going to put 5% down and had a pre-approval. Does the seller have a right to judge me based on how much I was going to put down? Was I discriminated against?

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Because the other Buyer had a more substantial down payment - he/she appears more qualified to make it to the closing table. You don't know, the Seller may have been burned by a prior 5% down purchaser who did not make it to closing. It's not discrimination. It's Seller's choice.

In this situation you just have to believe that everything happens for a reason and a more suitable home for you and your family is just around the corner.

Best of luck!
Web Reference: http://www.321advantage.com
1 vote Thank Flag Link Wed May 6, 2009

According to the NAR Code of Ethics REALTORS® shall not deny equal professional services to any person for reasons of race, color, religion, sex, handicap, familial status, or national origin. REALTORS® shall not be parties to any plan or agreement to discriminate against a person or persons on the basis of race, color, religion, sex, handicap, familial status, or national origin. (Amended 1/90)

Unfortunately on your part, the Seller has control until everything is finalized.

Sorry you lost your offer but you probably will find something much better.

0 votes Thank Flag Link Wed May 6, 2009
Sorry but you were discriminated against very legitimately. The seller had another offer. They decided that it appeared stronger. They have not declared, at least in what you say, that they were discriminating against a protected class.

Five percent down s not a strong offer. On the contrary, it's a weak one.


Licensed in NJ & PA.
0 votes Thank Flag Link Wed May 6, 2009
Hi Mommy. My sense is that there was no discrimination, other than the fact that the sellers feel more comfortable with seeing a higher down payment from the other buyers. As Realtors, we owe it to our clients to get not only the best price possible, but also the best terms (closing date, inspections, earnest monies, down payment, credit worthiness, etc). I've seen sellers accept thousands of dollars less in sale price for a more convenient or strategically better settlement date, or because the buyer requested no inspections. We don't have to like it, but it does happen occasionally.

Even though you feel badly, I think you can feel comforted by the fact that the sellers did NOT dicriminate against you. Hang in there.... yo'll get a home that you want.

Mark Haban, REALTOR, ABR
Keller Williams Realty Group
215-262-8319 (Direct)
610-792-5900 (Office)
Web Reference: http://www.markhaban.com
0 votes Thank Flag Link Wed May 6, 2009
The sellers can pick whichever offer they want to. Not all decisions are made strictly on dollar ammounts. If they thought the other buyer gave them a better chance of closing sooner, they may pick the other buyer.They have the right to do so.
I am sorry about losing the home you wanted to buy. I hope you find another to your liking. The very best of luck to you!

Michael D Delp
Mortgage Pro
4802 Old Bethlehem Pike,
Telford Pa. 18969
Ph- 215-453-1025
Fax- 215-453-1012
Cell- 610-762-0318
0 votes Thank Flag Link Wed May 6, 2009
Its the seller's decision to chose the offer that they feel will best suit their needs and it sounds like your sellers were very cautious and felt more money down was more of a sure thing. I have sometimes used a letter of introduction from my buyers to the sellers and in many cases in a competitive offer situation that sealed the deal for me. I introduce the buyers, speak of their jobs and job stability, their family, what they liked about the house. I know your agent can say all these things but there is nothing better than a personal letter from you, even if your agent helps you write it.
Good Luck on the next one. Sometimes everything happens for a reason.
Marlene Macbeth\
Santa Ynez Valley, CA
0 votes Thank Flag Link Wed May 6, 2009
They can pick another offer that had more money down. This way, they have less to worry about regarding appraisals, inspections, etc.... Can't discriminate on age, though.

Good luck!

Tina Walsh, Realtor
Class Harlan Real Estate
(215) 348-8111 x 24 or (215) 669-0439
Web Reference: http://www.PAHomeShop.com
0 votes Thank Flag Link Wed May 6, 2009
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