Hometown Realty

Dear Revdex.com,Please let this letter serve as the official response to the recently filed complaintThis complaint was towards one of our top agents, who has been with our company for yearsDuring those years, he has helped hundreds of families purchase their new home and he has a stellar reputationPlease also notes we have an EXCELLENT reputation with the Revdex.comWe complete thousands of real estate transactions each year and we hold an A+ rating with the Revdex.com.The buyer or client stated the agent did not respond to messages and textsThese actions occurred after the transaction was closed and our agent had tried many time to satisfy the clientFor that, our agent offers his most sincere apologyDuring the home search process, the negotiation process, and the closing process, our agent went above and beyond his call of duty to satisfy this client’s needsThis includes working nights and weekends and answering calls and texts from the client up to 10-pm.As part of the contract terms, the seller was allowed to retain possession of the home for a few days after closingThe sellers were to pay rent for those days and have the hose professionally cleanedPrior to doing the walk-through with the buyer, after the rental period, our agent asked for a copy of the paid receipt for the cleaning and he was told that the maids did not provided oneOn Friday afternoon, July 1, our agent and the buyer performed a walk-through at the time homeThe home was very clean, dust-free, and event had perfect vacuum lines in the carpet throughout the homeAfter the walk-through the buyer discovered that the seller had left a pot very deep in the back of the kitchen islandThe buyer notified our agent of this and our agent contacted the seller’s agent, and this pot was removed from the property the very same dayAgain, this was the only issue the buyer had and it was addressed very quickly.In regarding to the inspection addendum, the seller agreed to have all the HVAC units services and cleaned by a licensed contractorA receipt dated June 10, was provided to the buyer for this workThis receipt stated that the coils had been cleaned and that the contractor had added 6oz of refrigerant in the upstairs unitThis receipt also stated that the units were in good working orderThe buyer was fine with this receipt at the time of the closing and walk-through inspectionSome time passed and the buyer later had the HVAC unit checked out by a different contractorIf there was an issue, the buyer should have addressed the issue with the original contractor who provided the receipt for the work performedWe, as Real Estate agents, do our very best to protect our clients by getting receipts and performing walk-throughs with our clients, but we are not HVAC contractors and WE can’t be held responsible for the Regional MLS states this very clearly in Paragraph of the contract, called Property InspectionTo Summarize, it state that the Seller and Purchaser released and forever discharged the Realtors involved in the transactions, from any liability or claims that arise out of or in any way connected with any work performed or inspections performed in connection with the saleWe are very sorry if the original contractor missed something during his inspectionThat issue should be addressed with the contractor, no the Realtor.I hope this response will resolved this matterWe are very sorry the buyer had an issue with the HVAC work that was performed and I hope the buyer can hold that contractor accountable

We are writing in response to a complaint filed by *** *** ID ***.We empathize with Mrs***'s frustration, however, after researching this transaction, readingthrough all of the emails and text messages between our agent, their agent, the lender and Mrand Mrs.***
themselves, it is our adamant position that our agent executed the transaction andcommunicated regularly and timely with all partiesMrand Mrs*** had the opportunity within theterms of the contract to cancel this transaction, but chose not toWe understand that purchasing aproperty while selling a property can be stressful, but our agent, our company and our clients acted ingood faith and we believe acted in no way with maliceWe cannot comment to the timelines, terms orlegal obligations under the replacement property transaction that may have added stress as we werenot a party to that transaction.Conversely to Mrs***'s complaint that our agent "did not feel obligated to inform our Agent or wasshe forthcoming with any information at all" is simply not trueThe attached text messages show thatBEFORE even submitting an offer on the property our agent, IIana Huff, communicated with their agent,Jeni Santangelo, that she was waiting for the lender to obtain a credit report because the Buyer had topay off some debts and obtain an updated credit report, known in the industry as rescoring.Furthermore, on multiple occasions our agent included their agent on email threads so that everyonecould be informed directly and immediately without delayAt one point our agent even received DIRECTcommunication from Mrs*** without the addition of their agent, which as we know is highly unusualin a real estate transaction, and our agent responded within minutes to the Seller's email.The Buyers and our agent moved forward with an offer on the property with the understanding that thecredit rescoring was sufficient as communicated from the lender and that credit would not be an issuemoving forward in this transactionThe delays Mrs*** speaks of in her complaint that were VArelated had to do with the VA loan system related to case numbers and getting the appraisal ordered.This was a completely separate issue to conditions placed on the Buyer by underwritingIt wasn't untilAFTER the appraisal was received and the full loan package submitted to the underwriters thatadditional credit score conditions needed to be met in order to have them give approval for the loanAllparties were updated and kept informed throughout this processThese conditions were dealt withswiftly by the lender and the BuyerAll parties were communicated with, see attached email threads.The Buyer even acting in good faith agreed to a reversal of a $credit due to delaysUnfortunatelythe climate in lending right now is extremely conservative and underwriters are being cautious andthoroughThe good news is that due to the hard work of this lender, we were able to bring thistransaction to fruition for all parties.Timeline:4/13- Offer made including preapproval from lenderLender, *** ***, spoke directly withListing agent to explain the complexities of this Buyer's file.4/15- Seller accepted offer4/-Buyer wired deposit4/18- Buyer conducted home inspection immediately at request of Seller due to them being up inOrange County looking at homes and it was convenient for them.4/21- Seller requested a modification to the close of escrow date to be moved up days due toreplacement purchaseBuyer accommodated in good faith.4/24- Buyer submitted request for repairs4/29- Seller agreed to a $closing cost credit in lieu of repairsBuyers Agent included Listing Agenton an email to lender asking for update on appraisal statusLender responded within an hour to allexplaining that there was a prior VA case number assigned to this property and the delay on theappraisalEmail thread attached.4/30- Buyer lifted all contingencies except appraisal and loan5/6- Date of full contingency removal which the Buyer was unable to meet as full loan approval notreceived yet.5/13- Buyer lifted appraisal contingency, file sent to Underwriting for approval.5/14- Lender was notified regarding a credit conditions and notified *** via phone, documented withemail to IIana{Note: from 5/14-5/lender worked with Buyer on accounts and rescored credit timesand all parties were updated.)5/15- Seller issued a Notice to Buyer to Perform thereby, setting up their right to cancel the contract indaysSeller reached out directly to our agent who offered direct communication to the lender so thatthe Seller could understand further the complexities of the file and the unfortunate delays.5/19- Buyers agreed to an addendum REVERSING the $closing credit as a show of good faith dueto the delays in the loan process.5/20- Listing agent placed the property back ACTIVE on the MLS subject to cancellation of the currentcontract.5/-Listing Agent requested that Buyers cross qualify with a lender of their choosing and the Buyerscomplied the same dayBuyer's lender received prior to doc conditions which required another creditrescoring, email attached that Listing Agent and Seller were notified5/28- Underwriter approval of file received and Buyer lifted ALL contingenciesSeller requested amodification of Close of Escrow to 6/and Buyer's agreed plus one day of occupancy for the Sellers.5/29- Listing agent placed property PENDING in the MLS once again6/9- Loan docs received6/10- Loan funded and property closed escrow6/- Seller delivered occupancy at 5pmAs you will see in an email from the lender himself, all was communicated with the Sellers agent JeniSantangelo as well as speaking directly with the Sellers.While we empathize with their frustration, we believe and stand by our agent's actions andperform a nee.Should you need to reach us, we are at ***.Respectfully,*** *** and *** ***, OwnersHometown RealtyDRE #***San Elijo Rd #101San Marcos, CA

We are writing in response to a complaint filed by *** *** ID ***.We empathize with Mrs***'s frustration, however, after researching this transaction, readingthrough all of the emails and text messages between our agent, their agent, the lender and Mrand Mrs.*** themselves, it
is our adamant position that our agent executed the transaction andcommunicated regularly and timely with all partiesMrand Mrs*** had the opportunity within theterms of the contract to cancel this transaction, but chose not toWe understand that purchasing aproperty while selling a property can be stressful, but our agent, our company and our clients acted ingood faith and we believe acted in no way with maliceWe cannot comment to the timelines, terms orlegal obligations under the replacement property transaction that may have added stress as we werenot a party to that transaction.Conversely to Mrs***'s complaint that our agent "did not feel obligated to inform our Agent or wasshe forthcoming with any information at all" is simply not trueThe attached text messages show thatBEFORE even submitting an offer on the property our agent, IIana Huff, communicated with their agent,Jeni Santangelo, that she was waiting for the lender to obtain a credit report because the Buyer had topay off some debts and obtain an updated credit report, known in the industry as rescoring.Furthermore, on multiple occasions our agent included their agent on email threads so that everyonecould be informed directly and immediately without delayAt one point our agent even received DIRECTcommunication from Mrs*** without the addition of their agent, which as we know is highly unusualin a real estate transaction, and our agent responded within minutes to the Seller's email.The Buyers and our agent moved forward with an offer on the property with the understanding that thecredit rescoring was sufficient as communicated from the lender and that credit would not be an issuemoving forward in this transactionThe delays Mrs*** speaks of in her complaint that were VArelated had to do with the VA loan system related to case numbers and getting the appraisal ordered.This was a completely separate issue to conditions placed on the Buyer by underwritingIt wasn't untilAFTER the appraisal was received and the full loan package submitted to the underwriters thatadditional credit score conditions needed to be met in order to have them give approval for the loanAllparties were updated and kept informed throughout this processThese conditions were dealt withswiftly by the lender and the BuyerAll parties were communicated with, see attached email threads.The Buyer even acting in good faith agreed to a reversal of a $credit due to delaysUnfortunatelythe climate in lending right now is extremely conservative and underwriters are being cautious andthoroughThe good news is that due to the hard work of this lender, we were able to bring thistransaction to fruition for all parties.Timeline:4/13- Offer made including preapproval from lenderLender, *** ***, spoke directly withListing agent to explain the complexities of this Buyer's file.4/15- Seller accepted offer4/-Buyer wired deposit4/18- Buyer conducted home inspection immediately at request of Seller due to them being up inOrange County looking at homes and it was convenient for them.4/21- Seller requested a modification to the close of escrow date to be moved up days due toreplacement purchaseBuyer accommodated in good faith.4/24- Buyer submitted request for repairs4/29- Seller agreed to a $closing cost credit in lieu of repairsBuyers Agent included Listing Agenton an email to lender asking for update on appraisal statusLender responded within an hour to allexplaining that there was a prior VA case number assigned to this property and the delay on theappraisalEmail thread attached.4/30- Buyer lifted all contingencies except appraisal and loan5/6- Date of full contingency removal which the Buyer was unable to meet as full loan approval notreceived yet.5/13- Buyer lifted appraisal contingency, file sent to Underwriting for approval.5/14- Lender was notified regarding a credit conditions and notified *** via phone, documented withemail to IIana{Note: from 5/14-5/lender worked with Buyer on accounts and rescored credit timesand all parties were updated.)5/15- Seller issued a Notice to Buyer to Perform thereby, setting up their right to cancel the contract indaysSeller reached out directly to our agent who offered direct communication to the lender so thatthe Seller could understand further the complexities of the file and the unfortunate delays.5/19- Buyers agreed to an addendum REVERSING the $closing credit as a show of good faith dueto the delays in the loan process.5/20- Listing agent placed the property back ACTIVE on the MLS subject to cancellation of the currentcontract.5/-Listing Agent requested that Buyers cross qualify with a lender of their choosing and the Buyerscomplied the same dayBuyer's lender received prior to doc conditions which required another creditrescoring, email attached that Listing Agent and Seller were notified.5/28- Underwriter approval of file received and Buyer lifted ALL contingenciesSeller requested amodification of Close of Escrow to 6/and Buyer's agreed plus one day of occupancy for the Sellers.5/29- Listing agent placed property PENDING in the MLS once again6/9- Loan docs received6/10- Loan funded and property closed escrow6/- Seller delivered occupancy at 5pmAs you will see in an email from the lender himself, all was communicated with the Sellers agent JeniSantangelo as well as speaking directly with the Sellers.While we empathize with their frustration, we believe and stand by our agent's actions andperform a nee.Should you need to reach us, we are at ***.Respectfully,*** *** and *** ***, OwnersHometown RealtyDRE #***San Elijo Rd #101San Marcos, CA

Dear Richmond Revdex.com,
I am writing about complaint ID: [redacted]. I received an email this morning from Becky P[redacted] realtor with Hometown Realty and the...

condition for releasing my real estate listing is that I withdraw my complaint. 
Please withdraw my complaint concerning Hometown Realty so that my my home will be released. If you need to contact me I can be reached at
 [redacted] 
I greatly appreciate your help with this matter.  What a great resource for consumers.  Thank you!
Sincerely,
[redacted]
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
Hello [redacted]Thanks for your call back to me the beginning of November.  As mentioned in my voicemail, the response that was received from Hometown Realty fails to meet our expectations on accountability and customer service.While there is a slight allusion to an apology for poor service from their Agent, Adrian S[redacted], the notion of that apology being sent through their response to your correspondence to them as opposed to directly to us is poor and inappropriate.  To that end, their apology is not accepted.  A more professional response would be a direct call to me on my cell phone (a number that Mr. S[redacted] has received multiple calls and texts from).  The absence of such an apology clearly suggests that there is nothing sincere about their position as being apologetic.There are likewise inaccuracies in their response and clearly there is no sense of communication between the individual who responded on behalf of Hometown Realty with the facts.  Per my text to Adrian on Saturday, July 2, 2016 at 11:43am "The sellers left all of their pots and pans in the island.  We put them in a large box and put in the garage.  Will you be able to pick them up?".  By "all pots and pans" being placed in a "large box", this is hardly a case of a "single pot in the back of the island" as their misinformed respondent indicated in his letter.  Likewise, the presence of such pots and pans (which included a large fryer filled with oil, which did spill on our floor) confirms that no such "professional cleaning" was done.  To suggest that there was no receipt provided, is in our opinion, a clear indication that there was no such professional service rendered (which Adrian knew was a clear concern to me).  To suggest that a mere "rows in the carpet from a vacuum cleaner" is an indication of professional cleaning is clearly ignorant of our understanding of what a professional cleaning entails.  My vacuum cleaner does the same thing and I'm not a professional cleaning service.  Finally, to suggest that we should reach out to the service that "supposedly" cleaned the air handlers is improper.  We did not commission this individual to do this "work" and as such to put this back to us is improper.  This is not what I thought a realtor would do as far as giving us guidance.We have continued to have issues with our house as far as having to replace the head on the sprinkler system, the garbage disposal and concerning issues with the refrigerator.  When I asked Adrian about a Home Warranty, he was incredibly dissuasive of such, suggesting that the home was new and that we might offend the sellers.  This is clearly the work of someone who was not supporting or guiding us in the proper way (which per my discussion with the [redacted], the suggestion of a home warranty is a "best practice" and as such is something that I plan to raise with them as an ethical concern that I will express relative to Adrian's performance).Per the above, to summarize, the response from Hometown Realty is insufficient:* a lack of formal apology* a clearly misinformed response relative to the alleged professional cleaning that we have evidence to suggest never occurred (no receipt + pots and pans in the island + hair in the sink/showers = no professional cleaning service)* the continued lack of resolution on the air handler concern being something that is expected of us to follow up on* the lack of providing "best practice" service in confirming our inquiry into a home warrantyPlease know that I'm happy to speak further on this matter and can be reached at [redacted]  We are in the process of securing legal counsel to address these matters which is an unfortunate outcome.   A lot more accountability and a little more professionalism on behalf of those involved could have avoided this outcome.
[redacted]

Dear Revdex.com,Please let this letter serve as the official response to the
recently filed complaint. This complaint was towards one of our top agents, who
has been with our company for 14 years. During those 14 years, he has helped hundreds
of families purchase their new home and he has a stellar...

reputation. Please
also notes we have an EXCELLENT reputation with the Revdex.com. We
complete thousands of real estate transactions each year and we hold an A+ rating
with the Revdex.com.The buyer or client stated the agent did not respond to
messages and texts. These actions occurred after the transaction was closed and
our agent had tried many time to satisfy the client. For that, our agent offers
his most sincere apology. During the home search process, the negotiation
process, and the closing process, our agent went above and beyond his call of
duty to satisfy this client’s needs. This includes working nights and weekends
and answering calls and texts from the client up to 10-11 pm.As part of the contract terms, the seller was allowed to
retain possession of the home for a few days after closing. The sellers were to
pay rent for those days and have the hose professionally cleaned. Prior to
doing the walk-through with the buyer, after the rental period, our agent asked
for a copy of the paid receipt for the cleaning and he was told that the maids
did not provided one. On Friday afternoon, July 1, our agent and the buyer
performed a walk-through at the time home. The home was very clean, dust-free,
and event had perfect vacuum lines in the carpet throughout the home. After the
walk-through the buyer discovered that the seller had left a pot very deep in
the back of the kitchen island. The buyer notified our agent of this and our
agent contacted the seller’s agent, and this pot was removed from the property the
very same day. Again,  this was the only
issue the buyer had and it was addressed very quickly.In regarding to the inspection addendum, the seller agreed
to have all the HVAC units services and cleaned by a licensed contractor. A receipt
dated June 10, 2016 was provided to the buyer for this work. This receipt
stated that the coils had been cleaned and that the contractor had added 6oz of
refrigerant in the upstairs unit. This receipt also stated that the units were
in good working order. The buyer was fine with this receipt at the time of the
closing and walk-through inspection. Some time passed and the buyer later had
the HVAC unit checked out by a different contractor. If there was an issue, the
buyer should have addressed the issue with the original contractor who provided
the receipt for the work performed. We, as Real Estate agents, do our very best
to protect our clients by getting receipts and performing walk-throughs with our
clients, but we are not HVAC contractors and WE can’t be held responsible for
the Regional MLS states this very clearly in Paragraph 14 of the contract,
called Property Inspection. To Summarize, it state that the Seller and
Purchaser released and forever discharged the Realtors involved in the transactions,
from any liability or claims that arise out of or in any way connected with any
work performed or inspections performed in connection with the sale. We are
very sorry if the original contractor missed something during his inspection. That
issue should be addressed with the contractor, no the Realtor.I hope this response will resolved this matter. We are very
sorry the buyer had an issue with the HVAC work that was performed and I hope
the buyer can hold that contractor accountable.

Review: My complaint deals with a contract and lack of realtor ethics. I visited the Board of Realtors website and contacted the broker as suggested and wrote a letter outlining the contract issue and ethics violations. Matt C[redacted], the broker, made it clear he did not want to get involved and has not been helpful.

Complaints communicated to broker Matt C[redacted] concerning Becky P[redacted]:

- Ms P[redacted] bought the listing promising $495,000+ sale price knowing other realtors interviewed came in at $439,000

-Contract expiration date is 6-30-17 contract signed 12-18-15 exceeding 6 months. I did not agree to a 6 month contract and there are no signatures or initials on the cover page of the contract. We were not given contracts, were promised copies once made. I received a contract digitally when I wanted to end our business relationship.

-Becky P[redacted] told my ex-husband she was listing the house for $470,000 and the contract I signed was for $450,000. He and I had discussed the listing price and I questioned her when I signed the contract and she said she had convinced him to lower the list price. In January Ms P[redacted] wanted to lower the price by $25,000 and I found out that my ex-husband did not know she had listed it for $450,000 when questioned she said he was confused.

-Becky P[redacted] brought printed documents to show another realtor's sales history, shining bad light, to get our listing.

-Poor communication

-Lack of screening buyers

-It was requested that I miss work to remove my dogs to allow a 10am showing on a Monday and Friday in April. I said any time after 6pm would be fine. I was told they were returning people, but the showing realtor had never been in before and Ms P[redacted] didn't answer my question about when they had visited the first time.

-House has only been shown to potential buyers 7 times.

-I was ask to leave with 30 min. notice in 17" of snow. I had reservations due to weather conditions and she assured me they were going to buyDesired Settlement: I would like to be released from a contract with Hometown Realty immediately without penalty. I was promised by Ms P[redacted] that Matt C[redacted], her office manager, said that if we were unhappy with her service we would be released from the contract, that was another fabrication. This business relationship is toxic and is of no benefit to either party.

Mr C[redacted] emailed he had shorten the expiration to June 18, however we never signed any contract changes. I questioned how the contract could be altered without signatures and Mr C[redacted] emailed "I can change it back to what it said before if you would like. Let me know."

I only communicate with Ms P[redacted] and Mr C[redacted] through email. We have had no offers on our house and I have not heard from Ms P[redacted] in almost two weeks in regard to the last showing. Since the contract end date is June 18, per Mr C[redacted], less than 30 days remain. I don't feel it is unreasonable to ask for our house to be removed from MLS at this point.

Consumer

Response:

Dear Richmond Revdex.com,I am writing about complaint ID: [redacted]. I received an email this morning from Becky P[redacted] realtor with Hometown Realty and the condition for releasing my real estate listing is that I withdraw my complaint.

Review: On April 13 my husband, [redacted], and I entered into a Real Estate contract with clients represented by [redacted] of HomeTown Realty. We accepted the offer in good faith because Mrs. [redacted] had made statements regarding the timing of the offer was only made, AFTER her clients received clearance from their lender and we were also presented a copy of a pre-approval letter, which stated within the document, "Income, Assets, and Credit Scores had been verified". But after conversations between our Agent and Mrs. [redacted] we chose to go with the family, who by all appearances, were approved for this purchase. All contingencies were supposed to be removed the first week of May. This did not occur until May 28, with the close of escrow on June 10. The original close of escrow was scheduled for May 27. I would also like to mention because were were unaware of the loan issue, my husband and I entered into a purchase contract for our home on May 13...if it were not for this and the money we had already spent on the new home purchase, we would have cancelled the contract with Mrs. [redacted]s clients.My biggest issue with the Buyers Representation is that these loan issues had been going on for some time and NOT ONCE did Mrs. [redacted] feel obligated to inform our Agent or was she forthcoming with any information at all. It wasnt until it could no longer be hidden were we informed of the loan issues. Prior to this, the explanation given was it was related to the typical VA delays and not the issues with the Buyers Credit Profile, which seemed to be the true underlying reason for the delays. Throughout the real estate Mrs. [redacted] concealed pertinent information related to this Real Estate transaction, which is a direct violation of the National Real Estate Code of Ethics. On June 14 I reached out to Mrs. [redacted]s employer regarding this situation. I was told on June 15 this will be researched and a response would be provided, however, this has yet to happen. Therefore, I want to follow through with our complaint.Desired Settlement: Based on Mrs [redacted]'s reprehensible work ethic, we feel she was in breach of contract and due to the multiple grievances she had caused my husband and I throughout this transaction we would like an adjustment in the commission she had received of $15,450 to be reduced by 35% and $5,407.50 be refunded to us.

Business

Response:

We are writing in response to a complaint filed by [redacted] ID [redacted].We empathize with Mrs. [redacted]'s frustration, however, after researching this transaction, readingthrough all of the emails and text messages between our agent, their agent, the lender and Mr. and Mrs.[redacted] themselves, it is our adamant position that our agent executed the transaction andcommunicated regularly and timely with all parties. Mr. and Mrs. [redacted] had the opportunity within theterms of the contract to cancel this transaction, but chose not to. We understand that purchasing aproperty while selling a property can be stressful, but our agent, our company and our clients acted ingood faith and we believe acted in no way with malice. We cannot comment to the timelines, terms orlegal obligations under the replacement property transaction that may have added stress as we werenot a party to that transaction.Conversely to Mrs. [redacted]'s complaint that our agent "did not feel obligated to inform our Agent or wasshe forthcoming with any information at all" is simply not true. The attached text messages show thatBEFORE even submitting an offer on the property our agent, IIana Huff, communicated with their agent,Jeni Santangelo, that she was waiting for the lender to obtain a credit report because the Buyer had topay off some debts and obtain an updated credit report, known in the industry as rescoring.Furthermore, on multiple occasions our agent included their agent on email threads so that everyonecould be informed directly and immediately without delay. At one point our agent even received DIRECTcommunication from Mrs. [redacted] without the addition of their agent, which as we know is highly unusualin a real estate transaction, and our agent responded within 30 minutes to the Seller's email.The Buyers and our agent moved forward with an offer on the property with the understanding that thecredit rescoring was sufficient as communicated from the lender and that credit would not be an issuemoving forward in this transaction. The delays Mrs. [redacted] speaks of in her complaint that were VArelated had to do with the VA loan system related to case numbers and getting the appraisal ordered.This was a completely separate issue to conditions placed on the Buyer by underwriting. It wasn't untilAFTER the appraisal was received and the full loan package submitted to the underwriters thatadditional credit score conditions needed to be met in order to have them give approval for the loan. Allparties were updated and kept informed throughout this process. These conditions were dealt withswiftly by the lender and the Buyer. All parties were communicated with, see attached email threads.The Buyer even acting in good faith agreed to a reversal of a $1200 credit due to delays. Unfortunatelythe climate in lending right now is extremely conservative and underwriters are being cautious andthorough. The good news is that due to the hard work of this lender, we were able to bring thistransaction to fruition for all parties.Timeline:4/13- Offer made including preapproval from lender. Lender, [redacted], spoke directly withListing agent to explain the complexities of this Buyer's file.4/15- Seller accepted offer4/17 -Buyer wired deposit4/18- Buyer conducted home inspection immediately at request of Seller due to them being up inOrange County looking at homes and it was convenient for them.4/21- Seller requested a modification to the close of escrow date to be moved up 2 days due toreplacement purchase. Buyer accommodated in good faith.4/24- Buyer submitted request for repairs4/29- Seller agreed to a $1200 closing cost credit in lieu of repairs. Buyers Agent included Listing Agenton an email to lender asking for update on appraisal status. Lender responded within an hour to allexplaining that there was a prior VA case number assigned to this property and the delay on theappraisal. Email thread attached.4/30- Buyer lifted all contingencies except appraisal and loan5/6- Date of full contingency removal which the Buyer was unable to meet as full loan approval notreceived yet.5/13- Buyer lifted appraisal contingency, file sent to Underwriting for approval.5/14- Lender was notified regarding a credit conditions and notified [redacted] via phone, documented withemail to IIana. {Note: from 5/14-5/22 lender worked with Buyer on accounts and rescored credit 3 timesand all parties were updated.)5/15- Seller issued a Notice to Buyer to Perform thereby, setting up their right to cancel the contract in2 days. Seller reached out directly to our agent who offered direct communication to the lender so thatthe Seller could understand further the complexities of the file and the unfortunate delays.5/19- Buyers agreed to an addendum REVERSING the $1200 closing credit as a show of good faith dueto the delays in the loan process.5/20- Listing agent placed the property back ACTIVE on the MLS subject to cancellation of the currentcontract.5/22 -Listing Agent requested that Buyers cross qualify with a lender of their choosing and the Buyerscomplied the same day. Buyer's lender received prior to doc conditions which required another creditrescoring, email attached that Listing Agent and Seller were notified.5/28- Underwriter approval of file received and Buyer lifted ALL contingencies. Seller requested amodification of Close of Escrow to 6/10 and Buyer's agreed plus one day of occupancy for the Sellers.5/29- Listing agent placed property PENDING in the MLS once again6/9- Loan docs received6/10- Loan funded and property closed escrow6/11 - Seller delivered occupancy at 5pmAs you will see in an email from the lender himself, all was communicated with the Sellers agent JeniSantangelo as well as speaking directly with the Sellers.While we empathize with their frustration, we believe and stand by our agent's actions andperform a nee.Should you need to reach us, we are at [redacted].Respectfully,[redacted] and [redacted], OwnersHometown RealtyDRE #[redacted]1501 San Elijo Rd #101San Marcos, CA 92078