Welcome to my RU-vid channel! My name is Brian Fitzpatrick and I am a REALTOR in the Greater Boston market with Lamacchia Realty. On this channel, we cover all things real estate, from buying and selling, to market trends and new technology. I was born and raised Massachusetts and have lived in Worcester, Holden, West Yarmouth (Cape Cod), Allston-Brighton(Boston), and currently Watertown. This state offers something for everyone and I am thrilled to share it with others. Whether you are a first time home buyer, empty nester, or anything in between, I can help you find the ideal home. Communities and cities which I am focused on include, but are not limited to, Boston, Watertown, Belmont, Newton, Waltham, Cambridge, Brookline, Weston, and Wellesley. If you are interested in selling your home, I would love the opportunity create a comprehensive marketing plan along with a detailed comparative market analysis (CMA). Again, my name is Brian Fitzpatrick - welcome!
Hi we want to live in boston not the city around the boston. Can you guide me and explain about boston and the average price for rent the 2 bed apartment
I don't think it will be a mass exodus only because many states require associates to part of NAR if their broker is. If things get way worse after these changes go into effect in August, then NAR will see a sharp drop off in membership.
buyers ultimately deciding not to buy has always been a "crippling" event for buyers' agents... no question that now there will be many more than before AND i imagine an overall lower average buyers agents commission on a closed transaction
Buyers have not decided "not to buy" - many unfortunately can't afford to. Higher interest rates have tamped down buyer demand to the point where home prices are finally starting to level off. With fewer buyer agents (i.e. less competition) commissions will actually go up. The only ones remaining will provide real value for their buyers and their higher compensation will be commensurate with that value. I am already seeing experienced agents making significantly more money than before. It will be a challenge for newer agents.
@@brianfitzrealty Fitzy, let’s just say then buyers have ultimately decided that they can’t afford to buy in the current market conditions. However, you actually describe why past industry practices were in fact anti-competitive in a roundabout way. Previously, it didn’t matter who your buyer agent was. It could be a wannabe part-timer who barely passed their real estate exam the week before or Mr. Lamacchia himself, but in either case, the buyer agent commission was fixed by the seller via co-broke language in the listing agreement and typically for a standardized commonplace percentage (2.5% to 3%). These new changes may lead to fewer buyer agents for sure, but, it doesn’t make it less competitive between the buyer agents that remain. In fact, it makes it more competitive. See, by removing the co-broke language and enforcing mandatory buyer agency agreements, agents like yourself (or the previously mentioned Mr. Lamacchia or hell Kevin Sears for that matter) can command higher commissions based upon your value and expertise and you are not beholden to an industry standard. Law firms don’t set hourly rates to industry standards and they surely don’t set them the same for summer associates and name-on-the-door partners in the same firm. If you have great value and vast experience, go out there and get paid your worth.
STOP paying NAR Fees END this Good Ole Boys club-35 yrs selling RE I’ve NEVER been a member ITS VOLUNTARY-Put NAR Out of business they never did look out for YOU! They look out for ThEM-pleasing this Marxist admin is crazy-STOP PAYING THE FEES
It's called Showcase Listings. I talked to them about it a month ago and the buy-in was $1k/mo. and you pay it whether you have a listing or not. If you had more than 1 listing, you'd have to pay an additional $1k for each one. They don't carry over any "unused" listing credits. What's worse is there was no limit to how many showcase listings there could be in any market. So once a market gets saturated, it just becomes the cost of doing business - or your listings will NEVER be seen by consumers.
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Everything is negotiable so there is not need for an additional field like that. In fact, under the new guidelines, even if an offer of compensation is made, not only is it negotiable, but it's non-binding. It's going to be wild! Can you imagine you talk to a listing agent and they say the seller is willing to pay 3% toward buyer agent commission and then decides after your buyer has toured the property to drop it to 1%. I anticipate TONS of sketchy tactics being used and with no transparency or consistency between parties, they are going to get away with it (at least in the short term)
@@brianfitzrealty in that scenario I bet fine instead of the 3% or 1% commission in the buyer agent agreement they change it to 1% ownership interest making them a principal?
AI is still pretty far off from actually helping people buy a home, that's for sure. There is a LOT of distrust with anything AI right now (for good reason!!). Thx for sharing your thoughts!
It definitely feels like certain industries are being targeted for no good reason. Ultimately though, the personal injury lawyer in Kansas is doing the most damage - and NAR is taking hit after hit. We are well past the point of no return, but hoping the MLS's force others to come to their senses.
It's 16-16 and it's suuuuuper murky. NAR basically wants the seller and listing agent to modify their contract if an offer comes in that is requesting shared compensation from the listing agent. The other option is to request a direct seller credit/concession that will pay for (or at least contribute to) a buyer's agent commission. I can absolutely envision that credit getting used toward closing costs in lieu of agent commission. As a buyer agent, you are going to have to watch it like a hawk to make sure you are compensated correctly. This may all be a moot point because there are a few MLS's that are fighting back and there is a ground swell of support from others that may challenge the settlement terms as well. We'll have to wait and see!
Dude, read the room, the majority of Americans do not agree with you! They do not want cooperative compensation. 90%!of realtors do nothing except open doors and push paper. The Doj is coming
Right, most buyers are excited to pay their agent directly in addition to the down payment, escrow taxes, inspections, attorneys, and other closing costs. 🤣 I'll be right back, I've got to go open up a door and push some papers...
@@brianfitzrealty Buyers won't be paying buyer agents. Buyers will simply contact the listing agent directly or hire real representation with real estate attorney. A few hours for an atty is money well spent!
As it is, I have a difficult time getting in touch with listing agents - and I have worked with many of them in my market. Do you think they are going to pick up the phone for a random buyer that is interested in the home? Many buyers are going to get soooooo frustrated and will eventually see the value in working with a professional. And for those that don't that's fine - they already have that option today, yet many choose to work with a buyer agent.
@@brianfitzrealty If you were my listing agent that didn't take a call from a buyer, your ass would be out the door. Agents like you are the problem in the industry.
I already have "AI" fatigue. This feels a lot like the dot com bubble. Eventually, there will be a few companies that get it right, but we are VERY FAR away from that. Thx for sharing your thoughts!
Huge step backwards. Only government can destroy something that functions just fine. Buyers paying agents eliminates 85% of Realtors. I see agents offer from 1-3% and builders up to 6%, so hard to grasp intent. Big companies will increase market share and mom pop disappear as always with meddling.
I am already seeing consolidation happening in my market. Smaller brokerages are being gobbled up by the bigger ones. This trend will continue well into next year and perhaps beyond. The agents that are left will have tremendous upside once rates start to come down, demand softens (it already is in some spots), and inventory gets "unlocked".
what happens if you sign a 2.5% agreement with the buyer, and the seller doesnt want to pay and the buyer doesnt have enough for closing can the buyer still buy the home? lets say that u do not agree to lower your commission because you are working with this buyer for 2-3 months, because this will also be the last home you show this client because they will feel that they cannot buy the home because of you, this is going to happen alot. Now it all depends on what the agreements are. in commercial if you signed with the broker, no you cannot buy it unless the broker agrees to lower his fee. This whole issue is because of MLS, they should have just bankrupt the NAR and all MLS and now the value of the agents appear crystal clear, because websites like zillow is all because of realtors info that is monitored and controlled by MLS NAR, other wise zillow would be like craigs list will all bait and switch listings and all fake info and people will just put on there whatever they want no one can control it, today it works because of the NAR control over realtors....the lobby of the NAR is basically not strong enough to show the DOJ that the reason you can see all this info online is because of the realtors and you are basically trying to use the realtors organization and then trying to figure out a way to lower their pay by force or rules, sellers should be able to offer 2% 5% 10% whatever they want to seller their homes and should be able to advertise it wherever they want, its their business and their home.... buyer should be able to hire a realtor if they want and not if they don't want. the lobby didnt work because they don't explain it correctly, the only reason they have zillow info transparent is because of realtors you can not take their value use it and then say they have no value.....almost all listing agents become buyer agents when the sell the listings.. the business for the realtors is 50/50 if you look at other countries, they dont have a robust real estate market transparency, in England look how many contracts fall apart because they dont use buyer agents its a huge number
Shame on the agent for signing a buyer agent agreement with a buyer who does not have the means to pay them directly. This is why it's going to hurt first time home buyers and other people who barely have enough for closing costs / down payment / etc. It appears that several MLS's across the country are rethinking the settlement and are instead fighting back to keep buyer agent compensation in MLS. Stay tuned...
The big picture here is the government is interfering in the market. I am ok with necessary government intervention, but there is not a legitimate problem here. No one is being hurt and anyone who wants to operate the way the DOJ recommends can! There is NOTHING stoppping them. Let the market regulate itself - it usually comes out better than government overreach.
Biden wants us all EQUALLY POOR-vote with your pocket book NOT your emotions! Any realtor that voted for the present admin in White House-you got what you deserve
With all due respect - you just don’t get it. It is never in the sellers best interest to pay an agent to negotiate against them, never! Just because it’s been done this way for the last twenty plus years, doesn’t make it right. I get it that this lawsuit is driven by corporate interests looking to cut their acquisition costs, but it directly benefits the seller too.
First of all, thank you for your thoughtful comment - I truly appreciate it! A lot of people get hung up on this negotiation piece. However, it's a part of any sale. The idea of the shared commission is to attract as many ready, willing, and able buyers as possible to the property. This increased demand will absolutely generate a higher sale price. It's no different than a car dealer advertising a $5,000 incentive on a vehicle. It attracts buyers to the dealership that then do what - NEGOTIATE against the dealer. It's nuanced and I think both perspectives are valid.
The NAR Code of Ethics is necessary and comprehensive, but their operating procedures still need a ton of work. It still too early to tell if these proposed changes will have any meaningful impact on the way business is done.
Anti-trust is designed to combat monopolies. Last time I checked, there is TREMENDOUS competition in the real estate industry. The current commissions are where they are because of market forces over time, not lack of competition. I've been saying all along that as agents leave the industry, there will be less competition and commission will go UP! These lawsuits are an absolute sham. NAR never should have settled. It's not the agent offering different comp - it would be the seller instructing their agent to do so because now it's the seller that is deciding whether to directly contribute to buyer broker compensation or not.
OMG - YES!!!! Who didn't see this happening. When you blow up the organization that writes the rule book, you end up with all these other smaller organizations trying to figure it out on their own. I've seen at least a half dozen different approaches from various MLS's across the nation on how to handle it. What is crystal clear at this point is that sellers STILL want to be able to offer a buyer agent commission because they recognize that it will attract more buyers who do not have the means to pay for a buyer agent in addition to all the other closing costs/down payment. It's such a mess and I'm hearing mixed messaged from everyone. Ultimately, it will be the broker that sets the policy for his/her agents.
@@brianfitzrealty My broker has us listen to the Zoom meetings with the California Association of Realtors given by their attorneys but there is still a lot of confusion. I also have my NMLS license so I am thinking about just doing the loan side, which is better than sitting on the bench until they decide who is on first. (Abbott & Costello)?? I feel it’s too risky right now.
The PNW can opt out because they ALREADY had the DOJ protections in place and have been operating that way for 20+ years. Soon as the lawsuit was settled, numerous PNW agents were saying, "It'll all be OK. We've been doing it this way for years and our sellers still opt to offer BA compensation." So I don't see others choosing to follow their lead, since they didn't have these P&P's in place. But GOOD ON THEM for standing up and saying so!
Interesting, I did not realize they were already set up that way. Most sellers are going to still offer it if given the opportunity. It just makes sense - I'd gladly pay 2% to pick up 5% more in my sale price.
The only people that are going to be getting paid out of those lawsuits on the attorneys, which is completely ironic. Unfortunately the only people who won are the sellers. Buyers are completely screwed and unless lenders allow sellers concessions for buyer agent commissions, over and above what an appraisal comes in at, you're going to see a lot of lawsuits down the road. Everybody thinks that they can go out and buy a house no problem, but that couldn't be further from the truth. There have been countless times where I have kept a deal from falling apart by communicating with the buyer's attorney, lender, third party that was involved. Unless you have a savvy buyer, it's entirely possible that the buyer ends up in a more precarious position than they would have had they had representation.
The reason buyer agency exists today is because of all the nonsense that happened back in late 80's early 90's when the listing agent handled both sides. Feels like we are headed back towards that...
As a long time REI I have always used a flat fee listing service to list my properties on MLS. As a buyer I have never used an agent. I analyze my own properties and I fill in the state promulgated forms. Best practice is to pay a real estate lawyer for one or two hours to review any contract and any other documents. Much less expensive than paying any % commission. I have never met a NASA level scientist doing real estate deals. It’s not that hard.
Cool - sounds like you have figured out a process that works well for you. Since you are routinely doing deals, it makes sense to have it set up the way you have. But for most people who buy a house every 10-15 years, a buyer agent adds tremendous value.
@@brianfitzrealty I am a firm believer in paying a lawyer for one or two hours of their time if a client needs help or I need help and any specific legal authority. That turns out to be much less money out of pocket than paying a % up to 6% of a $1M or more property. Housing markets are extremely local to a zip code. In my ACL market an SFR average home value is $750K up, most in this area are a $1M or over. Paying 3-6% on $1M sale is too high. If the DOJ and plaintiff's attorneys get their way, I see flat fee contracts between sellers and agents and buyers and agents the way of future.
You miss the whole point of hiring an expert in a field. You're a REI, so am I and a former agent - very different than the typical person going through a once or twice in a lifetime event. RE is in your lane - it's not in most people's.
@@GregPentecost Did you read my two posts above. What did I say? Pay a real estate lawyer for one or two hours of their time. I think you missed my posts. Again, pay a real estate lawyer if seller or buyer don’t understand contract law or how real estate contracts work. They are real estate experts in addition to legal experts. Agents and brokers are not experts to give legal advice or legal opinions and are conflicted because they are trying to get paid on the deal.This was only one class action case. Others are pending. DOJ got interested because several "expert" broker firms were posting about how to get around the jury verdict. Touting loopholes. DOJ is watching.
@@dewholdingsllc1050 Most people don't want to pay lawyer rates to walk them through and explain each step to them. You already know the process. As an agent I spent most of my time helping people understand the process - the knowledge and information you now take for granted. I wasn't giving legal or financial advice. I was helping people understand the process. As an investor I do what you do, but that's because I know the process and only need to call in that particular expert when they are necessary. You and I have knowledge of the RE process that 99.9% of people do not have.
Yes, exactly! If the buyer agent commission field is removed, there is little reason to even have MLS. They probably figure they are going out of business anyway, so might as well fight as long as they can.
Possibly. What I love about it is that are actually willing to fight for what's right. NAR had a terrible defense strategy and lost. The jury verdict would have almost certainly been overturned by any sensible judge due to the lack of ANY evidence of collusion or price fixing. But, due to limited financial resources, they decided to settle rather than go bankrupt. This MLS realizes that if the proposed changes do go through, they will likely go bankrupt anyway so they have nothing to lose.
@@brianfitzrealty fight for what is right? You mean continuing to rip off home buyers to enrich themselves with an outdated commission structure. I do think flat rate fees are coming
That is the fundamental issue I have with all of this. In the current system, that money is earmarked for buyer agents. Moving forward, if given the option, most buyers would choose the put the seller concession toward their closing costs, not an agent. What everyone is overlooking in that scenario is that the listing agent is not going to work for the buyer for free - most, if not all, of those concessions will be eaten up by the listing agent (or some other facilitator) charging them buyer "fees' (draft offer, P&S, inspection, etc.) It's going to be interesting to see how quickly things change when the buyer agent commission field gets removed from MLS in a few months. Grab your popcorn 🍿. Thx for adding to the discussion!
A little to late if you ask me 🤦🏻♂️ until these day I ask myself how the hell did we lose this lawsuit! Anyways about the “secret deals” the old way of us doing thinks it need it to be disclose because the buyer never paid the commission but now that the buyer supposed to paid the commission there’s no need for transparency since they have to pay for it thing about it the commission disclosure will have to be disclose between the agent and customer before we show them houses
It is going to be a real challenge to get someone to agree to a contract at the first meeting. I'd imagine many people will instead just go to the open house and try to buy through listing agent. What they will soon find out is that the listing agent is not going to work for them for free so they are still going to pay a commission, but to someone that represents the seller's interest, not theirs. And they will likely pay a premium in hopes that their offer gets accepted.
Dual agency exists only when there is a pre-existing relationship between the buyer and listing agent. However, my interpretation takes it even further. If an unrepresented buyer starts asking questions about offer strategy, contingencies, etc. then the listing would then be entering into dual agency (which is prohibited in many states and brokerages). But if a buyer knows exactly what they want to offer, the listing agent can assist with the paperwork and be compensated by the buyer for it. Hope that helps clarify - great question!
I work in the stock market. Your industry has been under regulated forever and has no idea what is coming. This is a toe on the throat; the foot is coming. Don't mess with the DOJ
I'm not opposed to additional regulations - history has proven that regulated industries enjoy higher profits than those that are not. You can already see it starting to happen with rapid consolidation amongst brokerages. Less competition = more money for those that remain. My problem with the settlement is that it doesn't go far enough. If the DOJ wants to de-couple commissions, let's do it. I've said it in countless videos - if that happens, not only do prices go up, but so do commissions. The average home buyer (and seller) and is worse off under this new proposed system and the personal injury attorneys are laughing all the way to the bank.
Dual agency is illegal in a number of states. And in the states where it is legal, there are many brokerages that do not allow it for obvious reasons. The reason we have buyer agency today is because of the dual agency debacle we had back in the late 80's, early 90's. I do agree that a number of buyers will buy direct from the listing agent not because they want to, but because they can't afford proper representation. It's sad.
Not necessarily "dual agency." I work only for one party at a time. If a buyer wants to be unrepresented, that's fine. I will certainly help guide things, but the buyer will be fully aware that I am not his/her agent.
This is going to be nothing but a disaster for those looking to buy. I can see agents now telling buyers 5k up front non refundable and no guarantees Those with money will be able to have representation and those out will be left out in the cold.
It will definitely have an impact on those that need representation the most but can least afford it. I've already had to turn a few clients away that are not unwilling, but unable, to pay for my services out of pocket. When I explained that there is a real possibility that in the event that the seller would not pay my commission, they would have to walk away from the house, they were not willing to do so. In a way, it's better to have that conversation up-front rather than deal with it during the stress of an offer/negotiation. Buyer agents who are not having those conversations up-front are eventually going to run into a situation like I just described and are going to be upset for doing all that work for nothing.
Yes, until someone jumps on this new predicament, builds a better mouse trap and dematerializes the need for agents. Just another step. Sorry inevitable 🤷♂️ Maybe buyers will just tell agents to pound sand . There’s always someone willing to do it for less.
This will lead to buyers contacting the seller agents directly or hire a real estate atty. No one is going to pay a buyers agent $5000 to drive around and open doors!
I just love how all these realtors always say "Everything in real estate is negotiable." There is a reason 90% of the population does not know that. None of you realtors are letting the customers know that. I am sure you all tell your customers, oh by the way we can negotiate my commission. There is a reason you lost the DOJ nar settlement, because your shady. You realtors have a 4 month certificate and think you should make $24000 on a $400000 house. What is it you do???? Clean and stage the house for showings? Nope the home owner does that. I know you tell the buyers what's wrong with the home. Nope The home inspector does that. Wait I know you take the pictures of the home. Nope the photographer does that. I know, I know you do all the paper work. Nope the TITLE company does that. But you help with the financing right. Nope the bank does that. What you do is type an ad and open doors. You have the MLS which is the only thing saving your jobs. I have to give you realtors credit you all stick together with the MLS (The real estate Mafia).
Wow - seems like you've got it all figured out. Since it's so easy, you should become an agent yourself. If you don't see the value in using an agent to buy or sell your home (clearly you don't) then don't use one? There is nothing preventing your from doing it yourself. And since it's so easy, you shouldn't run into any issues. 🤣
@@brianfitzrealty 🤣🤣🤣 I noticed you didn't dispute anything I posted. As far as being a agent, I could not live with myself scamming people out of their money just like a used car salesmen. Remember the DOJ is requiring the nar to pay $418 million and change the requirement for buyers commission because realtors got caught being shady. (Antitrust)
This will absolutely hurt buyers who are barely able to scrape up enough for the down payment and closing costs as it is. I am ALREADY seeing the value of buyer leads plummet. During my new buyer consult, I explain that they may have to pay for some, or potentially all, of my commission and they look at me like I've got three heads. In the past, I'd explain it no differently, but also tell them that the situation is rare. Moving forward, it will be the norm. Until the market flips to a buyer's market, it is going to be very difficult (but not impossible) to get an offer accepted with a full buyer agent commission included. I can see most sellers paying for some portion of it and the rest being paid for by the buyer. We'll have to wait and see how it actually plays out - if every offer includes buyer agent commission, then it's impact will be much smaller.
That's fine - we can decouple the commissions. But please don't complain when commissions AND home prices go up together. It's sooooo obvious to me that is what's going to happen (it's already happening) but no one seems to realize it. For experienced / value-added agents, this new system is going to work out in their favor.
@@brianfitzrealty How are commissions going Up? The free market will decide whether 1) there is any commission 2) new brokerages are flat rate fees 3) if you increase your commissions, consumers can go somewhere else
1) Nobody works for free 2) Flat fee brokerages exist today 3) This will drive out so many agents from the industry that the only ones left will be true professionals that expect to be compensated fairly for their experience and value they bring to the table. Less competition means higher prices (i.e. commission). Price is only an issue in the absence of value...
@@brianfitzrealty you’re missing the point and Cruz of this lawsuit which is steering. Sellers can offer zero or very little compensation to the buyers side. In the past that same seller would get blackballed and have their house sit on the market. On top of that, the doj has made this a personal vendetta
@@shawnp.2084 Brian doesn't understand how the free market is supposed to work. Most buyer's agents (about 1,000,000) will be 'fired' as soon as the changes are implemented. This industry has lied to homeowners for decades by saying that buyer's agent's services are FREE. That lie will now come back to haunt them. No buyer will now agree to pay a broker, since it has been 'FREE' for decades. The buyer's agent in this video gets waterboarded (at 5:03, with an assist from the DOJ), for refusing to lower his fee. It worked. He lowered his fee. The free market and a little waterboarding WORKS. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-bL6ZBNv2EQ8.html
So if I as a home seller want to offer a sellers consession to a buyer's agent and place that offer on a 3rd party NON-MLS or BROKER website...DOJ wants to ban me.from doing that?!
That's correct - the DOJ does not want ANY blanket offer of compensation in the listing itself. They are OK with the seller paying a buyer agent commission, but it has to be negotiated as part of the deal, not beforehand.
True, but all the brokerages are doing is following the guidelines that NAR sets. If NAR goes bankrupt, that will have huge repercussions throughout the industry. Without a Code of Ethics that everyone is adhering to, consumers lose. We are already starting to see all kinds of games that agents are playing that are no longer REALTORS.
Quicken told me in Jan 2021, that my Mom had life insurance on the mortgage that paid off the mtg when she passed in Dec 2020! And in Feb 2021, Quicken called me to ask me if I would make the mtg pymts to keep the acct current until the life insurance paid off the mtg? I did and up until June 2022 when Rocket sent me a fraudulent default letter, the acct was paid eveyi months! In fact, when I called forebearance to see if I qualified for the resource, I was told I didn't qualify because I had to be at least one month behind in my mtg pymts? I told her that Rocket Mtg claims I'm 3 months behind and she said she didn't see that! I told her that I had not made the mortgage payment for July 2022, and she qualified me! Long story short, I paid off the 6 months of Forebearance in Dec 2022, for a balance of almost $8,000.00! And by June of 2023 after I was granted a grant that paid my acct current I was sent another fraudulent default letter and foreclosure warning if I didn't bring my acct current again for another $3,000.00? I am on disability and they had taken every bit of my savings account and any inheritance I had which was very little after claims on my Mom's estate! But, went through foreclosure court, after Rocket and HUD, had started a escalation process two days before the foreclosure court day and didn't post pone the court date and the judge tried me in my absence and a sale date was placed on my home I grew up in and lived in for over 55 years and on 05/06/24, they were auctioning off my home, but a company called me just in time and stopped the auction. And now the company is trying to scam me out of my home? CFPB complaints in the past complaining about the descrepancies in serving of my loan were always in Rockets favor! I have proof that my Mom had life INS that paid off the mortgage when she died! But, Rocket claimed that they did offer that type of insurance? But, on their website they claim they don't offer it, but that Quicken does! And I told Rocket that I didn't care if they did or not? Because they didn't originate our loan, Quicken did! I have been fighting to keep my home for over 3 1/2 years and almost 4 years in Probate! Any suggestions as to what, and I'm not asking for legal advice, but as a person that buys and sells homes and talking about the problems with Rocket I already have lots of knowledge about, could you please offer your opinion as to what a 59 year old disabled woman can do to deal with the situation I'm in? Because I don't think that I can buy any more time?! And honestly so very tired! Thank you very much for sharing your info! Marian
Sorry to hear that you are going through this lengthy ordeal. I can't add much as I have very limited experienced with situations like yours. A real estate attorney is going to be the best resource for you at this point. Hope it all works out!
