Irene, Home Buyer in Fenton, MI

Buying a Foreclosed Home

Asked by Irene, Fenton, MI Thu Oct 30, 2008

I was due to close on a foreclosed home on 10/20/2008. However I did a final walk through and discovered that the house was vandalized. The purchase is currently on hold as the seller is trying to assess the cost of damage. I am still interested in buying the house. On 10/26/2008, I drove past the house and realized that the seller has done nothing to secure the broken window and door. I would think that the seller would do that immediately to prevent further vandalism. On 10/28/2008, my mortgage broker told me that in order to get a loan, I have to fix the broken window and door and have the house re-appraised. In order to close this deal, I asked my realtor if I could get someone to fix the window and door. The seller's agent was agreeable to it. However without my permission my realtor told the seller's agent that I was doing it for free. The repair has been done. I want to know if I can get reimbursed for this repair and what should I do next?

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Keith Sorem, Agent, Glendale, CA
Thu Oct 30, 2008
I think that you may have answered your own question. I think that you could make the case that because this is soon to be your home, and time was of the essence to prevent further damage, you did in fact make the emergency repairs and expect seller to reimburse you.

Beat in mind that in most markets values are declining so it is likely that the home has declined in value and that the appraisal will probably be adjusted downward. The seller is going to need to agree to the new price.
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