Asked by Mariesa, Hawthorne, CA Fri Apr 24, 2009

I gave a deposit for a mobile home papers that I signed were contingent on loan approval & park approval. The realator told me my dog would be no problem now the park states dogs can only be 20lbs, & cannot be left in the yard during the day must be indoors or with the owner at all times. I have only rec'd a good faith estimate from the loan company which is a different name than the realtor had me write the deposit check to. I have not heard from the park regarding approval. But the loans closing cost are over 3000.00 on a 50,000 loan is that normal for a mobile home. I only signed for the deposit, no escrow papers. The realtor keeps telling me my dog will be no problem. But with the closing cost and down payment it is just to much for me right now. Do I say no thank you. I don't want to have a bad relationship because I'd like to buy when I have more cash on hand for everything & not spend all my savings getting in. I really feel I should take a class on real estate 101

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Alane Anderson’s answer
Alane Anders…, Agent, Newport Beach, CA
Tue Sep 4, 2012
During the escrow process, disclosures must be provided to you including the HOA documents. If the rules state you outside of the bounds, cancel. The rules and regulations will be enforced and you'll be unhappy without your pet. Best Wishes.

Alane Anderson
0 votes
Dyanna, , California
Fri Apr 24, 2009
I don't see what the problem is, cancel. If you really don't like the estimate and are having second thoughts about the purchase and you have not signed escrow instructions, then you still don't have a deal.

The check was made out to the escrow company,not the loan officer or his/her company.

If you have not moved forward with escrow you still have time to canel without having to pay any penalties, but it has to be done before you sign anything else.

Good Luck,
1 vote
Gloria Commi…, Agent, Hermosa Beach, CA
Sat Apr 24, 2010
If you havent released your contingencies you can cancel. You should ask your agent for a copy of the HOA or park Rules and Regulations (part of right to disclosures) Your park can issue a citation for violating the rules and regulations. .....the lender needs to give you a good faith estimate by law so you know exactly what your closing costs are.........Have your agent put something in writing in regards to the pet policy if you are going to move forward, Also ask a resident who has a pet if the policy is being enforced, Bottom line listen to your gut!
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