Bingo, Grinches, And Boundaries In Real Estate

Ever felt a deal slip through your fingers because someone’s ego bulldozed the process? We open the door on two unforgettable real estate Grinches: a luxury buyer who confessed to huffing refrigerant, bought a Rolex on credit mid-escrow, and picked fights over lender fees and the three-day Closing Disclosure; and a short sale that spiraled when a bank rep tried to force illegal changes to a Texas contract, pushing a ready buyer to walk and the sellers toward foreclosure.

We get candid about the moments we missed and the lessons we won’t forget: what to do when a client crosses personal and professional lines, how to protect a transaction from financing landmines, and why boundaries are a form of risk management. You’ll hear how day-of-closing collapses really happen, why lenders re-verify credit at the worst possible time, and how to respond when a gatekeeper weaponizes process to stall a perfectly valid deal. From contract integrity and title practices to regulatory recourse with HUD and the CFPB, we map out practical steps to keep you compliant, calm, and in control.

Consider this a field guide for agents and buyers navigating high-stress transactions during the holidays. We share scripts to reset expectations, a simple decision tree for firing toxic clients, and a documentation strategy that protects you if a bank or buyer derails the deal. Plus, a quick detour through late-night bingo to remind us that joy matters—and so does walking away when the cost is your sanity. Hit play, then tell us your biggest Grinch story and what it taught you. If this helped, subscribe, share with a colleague, and leave a review to support the show.

https://housenextdoortx.com

Transcript

Holiday Banter And Late-Night Bingo

SPEAKER_01 0:00

Welcome to The House Next Door. With Barbara Gilio. And Anthony Harris. Where real estate meets reality.

SPEAKER_00 0:06

Well, welcome back.

SPEAKER_01 0:08

Yes, welcome back to the house next door.

SPEAKER_00 0:10

Are we going into the Christmas season?

SPEAKER_01 0:12

We are. I have my Merry Christmas shirt on. I got my Plano Black shirt on. And today we're gonna talk about Grinches and our business. Grinches are business that stole our joy, right? Yep. But before we get into that, Anthony has shared a new hobby that has emerged. And I think it's hilarious. And so does my mom. And um, we text about it.

SPEAKER_00 0:40

We text about Anthony's into bingo now. I am. So the crazy thing is I've never won a bingo game in my life. Why am I into bingo?

SPEAKER_01 0:53

I know, but it's not just that you're into bingo, you're into late-night bingo. That's next to sugar strip club. That's next to a strip club called Sugars in San Antonio.

SPEAKER_00 1:03

So I still so I've won two games so far. Okay. But not money. So one was$100 in pull tabs, which we'll we'll talk about that later.

SPEAKER_01 1:10

Pull tabs.

SPEAKER_00 1:11

Yeah. And then one was um I won three tablets. Two tablets. Which the bingo cards are on the tablets.

SPEAKER_01 1:19

Okay. So you want a tablet, like an iPad?

SPEAKER_00 1:21

No, no, only for the game. So because you buy the tablet or you buy the cards, which are tablets. So it's all computerized.

SPEAKER_01 1:30

Anthony, what's the average age?

SPEAKER_00 1:32

Well, it depends.

SPEAKER_01 1:33

Late night bingo's a mix of everybody. Okay.

SPEAKER_00 1:35

Don't discriminate against anything.

SPEAKER_01 1:37

No, I'm being an ageist.

SPEAKER_00 1:39

Um, but if you go at eight o'clock bingo, the average age is 67.

SPEAKER_01 1:45

Okay. And the one next to sugar's, the strip club.

SPEAKER_00 1:49

Yeah, that's late night only.

SPEAKER_01 1:50

Do we get into strip bingo?

SPEAKER_00 1:53

So I think what happens is people start at the bingo. Then they take their winnings to the strip club.

SPEAKER_01 1:59

Okay, I could see that. I could see that.

SPEAKER_00 2:02

So we've been there twice. Not to the strip club, to the bingo. And but the It's funny because there's some same people that are there.

SPEAKER_01 2:12

Okay.

SPEAKER_00 2:12

But also I'm the same person that's there too.

SPEAKER_01 2:15

I was gonna say, I mean, that puts you in the so it's just an interesting side hobby that you our young Anthony, who's not even 30, but has taken on.

SPEAKER_00 2:23

The horse races are fun, and we'll have to go, and I'll teach you everything.

SPEAKER_01 2:27

I don't know. A horse race is well, yeah, it's a long process. It's it's bingo terminology that I'm not ready for today.

SPEAKER_00 2:33

Well, the could you imagine my first time?

SPEAKER_01 2:35

No.

SPEAKER_00 2:36

Like this is only this week.

SPEAKER_01 2:37

He's a bingo virgin next to sugar strip club.

Setting Up The Grinch Theme

SPEAKER_00 2:43

So, anywho, the Grinch who stole your business.

SPEAKER_01 2:45

Let's get back to the Grinch who stole our business. Okay. So I'm gonna start. Shall I start with my story? Yes. Okay, so early on in my career. I love how we transitioned from sugar strip club to to serious real estate. So But that's but that's how we are. That's how our conversations are. They're very they're very fluid. So I told him not to let those damn dogs out. Stop let the damn dogs out.

SPEAKER_00 3:23

We're just talking and we look across out the windows and two dogs go running.

SPEAKER_01 3:28

My bears are are brutally fighting. And so this is gonna be interesting to try to podcast with two big bears fighting outside. But we're gonna we're just gonna we're gonna put some blinders on like the racehorses. So I'll start with my my Grinch. And it was early on in my career, which I feel like most of my stories are early on in my career because I feel like that's when I don't know. I just felt like the universe was throwing me such terrible things. They were like, Do you really want to be a realtor?

SPEAKER_00 4:03

I felt like that's this year.

The Anesthesiologist Client From Hell

SPEAKER_01 4:06

We're having a relapse. Just testing me, testing me. And or maybe I'm just jaded to everything because I've been in real estate so long that even over.

SPEAKER_00 4:14

You're like, that's all that happened. Okay. Yeah.

SPEAKER_01 4:16

But this particular client was um an anesthesiologist. They're looking at a luxury product. It was early on in my career very excited about having, you know, kind of a higher-end luxury client. It was one of my first, it wasn't my first, but it was one of my first. And so I was very excited about this. And I came from kind of a custom home building marketing background. So I was excited to, you know, possibly we go the custom home build route. And this was in Georgetown. So we looked at several houses and different options, and finally we settled on one that was gonna be a full remodel. But the house had like amazing bones. When we're there, we're doing the inspection, right? And the inspector is out working on the AC. And something comes back where the AC needs to be, you know, the refrigerant's low or the frigerant's low. I'm I'm free on is low. That's probably what it is. I'm not saying it correctly. We're not an HVAC nationalist. And I'm also perimonopause brain all the time. So words just fail to come out of my mouth.

SPEAKER_00 5:24

Or dirty words come out.

SPEAKER_01 5:26

Right, exactly. And so all of a sudden, my client goes, Oh, I used to huff that. Um me and the inspector. The refrigerant? Yes. And I'm like, What do you mean? And he's like, Yeah, I used to go out and like So Like, and I I'm wondering about the logistics of well, that's what I was just about to say.

SPEAKER_00 5:46

So does he go out to the AC unit and like huff on that?

SPEAKER_01 5:49

Yeah, like how do you do that?

SPEAKER_00 5:51

And I'm sure our audience would like to hear me snuff snuff, snuff sniff, puff.

SPEAKER_01 5:57

And I was just imagining him sucking on some sort of refrigerant pipe or something. I don't know.

SPEAKER_00 6:03

I feel like it wouldn't be satisfying at all.

SPEAKER_01 6:05

I don't know, I don't know what he did, but he was talking about and he's an anesthesiologist.

SPEAKER_00 6:10

Yes.

SPEAKER_01 6:10

So he went into the right line of business, right? Maybe. I don't know. So anyway, he's going on and talking about this, and then all of a sudden, and his daughter is there. He has this little girl, she's probably two, she's a toddler, and the wife is not there. And he just tells us a story about how he was way into huffing, you know, AC fluids. And and the inspector and I was like a bit perplexed. And then he goes, Well, I'm kind of hungry, so I'm gonna go to McDonald's. Um, bar, you're good watching my kid, right? Oh and I just sort of looked at him like.

SPEAKER_00 6:48

Why doesn't he take his kid? He's probably gonna go sniff some.

SPEAKER_01 6:50

He's probably some AC phone. And I, you know, I'm just like a people pleaser at the end of the day.

unknown 6:56

I don't know.

SPEAKER_00 6:57

And so I said, Why wouldn't he take his kid to his phone?

SPEAKER_01 7:01

Well, his kid is a little unruly, so I get it.

SPEAKER_00 7:04

But so and you're now the babysitter, so he leaves.

SPEAKER_01 7:06

So so I agree to it because I'm stupid. And I say, Yeah, sure, I I can watch. So he leaves for three hours the entire time of the city.

SPEAKER_00 7:15

That is not a McDonald's.

SPEAKER_01 7:17

That is not a McDonald's. No, and so when when I was left alone, he could have done a surgery. With he could have done a surgery. The inspector, he's like, That guy's weird. He shouldn't be like, is his brain okay after? And I said, I don't know, he's a doctor. And he's like, Oh gosh, that's scary. And then he saw that I was left with this kid, and the inspector was, you know, I had done many inspections with this guy so far, and and he was kind of my regular guy. And so he was like, I don't know what you got going on. Then he comes back and we're wrapping up with the inspector, and then the wife comes, and she because she had been working, she works at the hospital too, but I didn't know exactly what she does. I think she was a nurse.

SPEAKER_00 7:58

And that treats his hike patients, his high patient, yeah.

SPEAKER_01 8:01

And then he she the inspector ends up wrapping up and leaving, and then we're, you know, closing up the house, getting ready to leave, and they start having an argument. Oh, and so they're fighting in front of each other. So they're fighting with each other in front of me and their toddler. And the toddler has like this play-doh that she's been playing with, and he takes the play-doh, he throws it at his wife, hits her in the face with the play-doh, and they're swearing, all kinds of swear words. And I am You might as well say because And I'm super uncomfortable because Yeah, that's awkward. I don't need like they they were always bickering at each other. So this couple, every time we looked at a house, so they're no longer married. They're bickering, bickering, bickering, bickering. And I just always am just trying to stay neutral and you know, oh, the house, the house, you know, because I don't get involved in that. I just sort of step away. And this time I'm just standing there where they're with Plato getting thrown. Plato getting thrown.

SPEAKER_00 8:56

After he sniffed the scene.

SPEAKER_01 8:58

After he sniffed the AC for three hours, and then he turns to me and he says, Well, maybe I should just marry Barb. Maybe I should just get with her and divorce you. Oh. And I was like, uh, excuse me, I'm married. I'm not on the table. I'm not what are you eating? I am a realtor. What are you guys saying? I'm your realtor. He's like, Yeah, maybe I should just marry her. Oh, how would you like that? And I was like, I was mortified.

SPEAKER_00 9:21

You're you're you're used as a negotiating.

SPEAKER_01 9:24

Yes, I was mortified. I was just standing there, like, what am I supposed to?

Boundary Failures And Escalating Red Flags

SPEAKER_00 9:29

And I just said Is this with your old brokerage?

SPEAKER_01 9:31

This was with home city.

SPEAKER_00 9:33

Oh, okay. I was thinking the other one.

SPEAKER_01 9:35

Yeah, and I just said and I was like, um, I'm not on the table. I'm married, I don't know what's going on here. I can't like I just stepped out and I'm like, no, no, no, no, no, no. I'm like, no, we're not getting me involved. And I stepped away. And and then, you know, I locked up the house. I'm like, it's time to go, let's go. We got him out, blah, blah, blah, blah, blah. Big surprise they terminated on that one.

SPEAKER_00 9:58

Oh, because he's marrying Barb.

SPEAKER_01 10:02

Marrying me. Who says that to their agent? Could you imagine?

SPEAKER_00 10:05

Who says it in front of their wife to their agent?

SPEAKER_01 10:08

After they threw Play-Doh at our face and confessed to huffing huffing AC fluids.

SPEAKER_00 10:13

You know it was his fault.

SPEAKER_01 10:14

Oh, I know. I know. And so then we started looking at houses again. Because we took a little break after that, and I should have fired them, but I didn't know any better. And it was early on in my career, and I was like, well, this is just real estate.

SPEAKER_00 10:29

And it's a luxury deal.

SPEAKER_01 10:30

Yeah, and it's just real estate. So then I got him with I thought you were gonna say you got him a present. No, I got him with new construction. So we're doing custom home new construction. So we go down this whole path, and it takes several months before we finally get to we're gonna be building this house. Well, we terminate on that. And so we're not doing that. So then we're gonna- Yes, they're always fighting, they're always fighting, and and the and the the poor kid is always there, and I'm babysitting the kid while they're fighting. So then we meet another builder, and then we decide we're gonna do spec home with this builder. But he wants to customize things. So it's at a time where the builder was able to customize things, so he did. And we get and we we we're under contract, we're moving forward.

SPEAKER_00 11:20

And he terminates.

SPEAKER_01 11:21

Well, he does terminate, but before then, he bought this really expensive Rolex watch, right? And he's you know, so the rule is when you're under contract with a house, you cannot buy cars, you cannot buy furniture.

SPEAKER_00 11:36

You can't buy anything that shows a big decrease in your cash or at all hits your credit.

SPEAKER_01 11:42

So he buys a Rolex. The lender calls me and says Did he buy it on credit? Yes. And the lender calls me and says we have a problem. Because they're they were already a little, you know, right on the cusp. Yeah. And so we have a problem. Uh we're gonna have to figure out how we can close.

SPEAKER_00 12:00

And so why why are you buying a Rolex on credit?

SPEAKER_01 12:05

Yeah, that feels like a that's it feels like if you're gonna buy a Rolex, that's a cash deal. Yeah. That's a cash deal.

SPEAKER_00 12:11

But I guess I've never had that issue, so yeah.

SPEAKER_01 12:14

I mean I buy and I would not be buying a Rolex. There's a lot of things I buy, not a Rolex.

SPEAKER_00 12:20

That's like the cost of a car.

SPEAKER_01 12:21

Yeah, or a really nice thoroughbred horse that I can keep in my backyard.

SPEAKER_00 12:26

Your uh ag exemption. Yeah, I'll give my ag exemption with wildlife.

SPEAKER_01 12:30

So anyway, he we work through this. So the Rolex. Yeah, we've we've been fighting. I I haven't been fighting, they've been fighting marital problems.

SPEAKER_00 12:39

Well, I can tell you why. Because he's buying a Rolex instead of a house.

SPEAKER_01 12:42

And instead of a house, and probably a car.

SPEAKER_00 12:44

He probably bought a nice car.

SPEAKER_01 12:45

He's so disrespectful to his wife, so disrespectful to his child, disrespectful to me, all of this. And I've been putting up with this now for probably about six months. And so we got through that obstacle. Then he gets mad about because there's this three-day period before you close, right? Where you everybody's gotta look at the seller's uh the settlement sheet. Well, he didn't agree with that.

SPEAKER_00 13:10

And he didn't like He didn't agree with the CD?

SPEAKER_01 13:12

Yeah, he didn't agree with the CD that we had to wait three days.

SPEAKER_00 13:16

He didn't agree with the time period or didn't agree with the He didn't agree with the time period, which is a weird thing not to agree with.

SPEAKER_01 13:22

Yeah. And then he also it is law. There's nothing we can do about that. And then he also didn't agree with how much his lender was getting. Like his lender. Commission? His yeah, his lender commission. How did he know that? Well, I I guess it was on the CD. Oh. And so he saw, like, I guess, you know, the fee. And um, he got really mad.

SPEAKER_00 13:43

Oh, like the origination fee.

Financing Landmines And The Rolex Problem

SPEAKER_01 13:44

The origination fee, yeah. Yeah, exactly. And and so we were talking about those fees, and we were talking about the three days. I mean, like I said, I'm I get into lending enough to be dangerous, but I don't, you know, like I stay in I stay in my lane. And so he was upset about the three days, and then he was upset about the origination fee and what his his lender was going to be making, I guess, essentially, off of this deal. But the lender had been working really hard, and you know, nobody's in a non-profit business. You know, none of us are. Lenders make money, realtors make money, title company, you know, all of us are in a profit business.

SPEAKER_00 14:18

This year I'm in a nonprofit.

SPEAKER_01 14:21

And so he got really mad and he accused me and the lender of being in cahoots to make money off of him, and that's why I pushed this lender, which I never pushed the lender.

SPEAKER_00 14:33

Well, if y'all were married, the buyer I knew, then it would have made a difference.

SPEAKER_01 14:36

Yeah, perhaps. And so, you know, and I gave him three lenders. He chose this lender, and you know, the whole nine yards, and he he went in this whole really kind of crazy down spiral, kind of a paranoid thing about probably because he was too busy sniffing the refrigerator. So he went down this whole path of how me and the the lender uh conspired against him and now he can't act because of the three days, which made no sense. And he was yelling at me, and he was just screaming at me on the phone. And again, early in on my career, I didn't totally know how to how to handle it. And I got triggered as we talked about our ego flares, and I may have said something.

SPEAKER_00 15:21

I guess we gotta know now because you bleeped out the last one. So what did you say?

SPEAKER_01 15:25

I said I'll f pay it. If you want$2,000 to close this deal, I will pay it.

SPEAKER_00 15:33

Well, that's better than what you told the other agent on the other deal.

SPEAKER_01 15:36

That's true, that's true. And and I shouldn't have said it, but he he just been screaming and yelling and and Yeah, when it comes down to that, it's like we're done. He's accusing me of of being fraudulent and unethical, and I wasn't. This is like one, this is law. Yeah, and two, this was always disclosed to him that his lender was not working for free. Yeah, and then he's turning it around on me. So I just got so frustrated. I'm like, fine, I'll fucking. I don't care. At this point, I just don't care. And that's all he wanted. And he got really mad and he said, I can't believe you said that to me. I can't believe you swore at me. And I'm like, Well, yeah, it's not professional, but you've been yelling at me and you've been accusing me of something I didn't do. And he hung up on me, and I'm like, also, you propositioned, it's not really propositioned me, but let's talk about that fight where you threw something at your wife's face and then said, What if I just get with me? Like bar. Like I'm just so sexual harassment. It's kind of sexual harassment, yeah. Like I've been putting up with a lot from you, and I say the F word to you, and then all how breaks loose. And now I'm unprofessional? What are you? You are huffing off of a you got you got your lips next to an AC unit, and and you're propositioning me and and you know, throw a play-doh at your wife.

SPEAKER_00 16:55

I just think he's an anesthesiologist.

SPEAKER_01 16:58

Oh, and he did talk about that. He's like, I'm a god. He's like, so we were driving around looking at houses. Nobody's a god. He's like, I'm a god. I hold people's lives in my hands.

SPEAKER_00 17:07

And I'm like how many did you kill?

SPEAKER_01 17:09

I'm like, oh, do you, do you though? I mean, I'm scared if you're my god. I mean, if you're my anesthesiologist, I'm running. Did not give me a lot of faith in the medical community. And it it turns out he's really more pain management than actual people going under general anesthesia. What? And so I was like, That's the thing, you know, he's probably pain managing himself. Probably. I'm just saying. Anyway, so he calls my team lead because at this time I was on a team. I was on that team with that that male realtor that I didn't fancy so much, you know, the one about the smoke house.

SPEAKER_00 17:46

Oh where he was he was the leader, yeah.

SPEAKER_01 17:49

And he's pretty, you know, typical, you know, kind of money man motivated. Money motivated, not client motivated.

SPEAKER_00 17:56

And so he kind of stone real estate.

Accusations, Meltdown, And Day-Of Termination

SPEAKER_01 17:58

Oh yeah. Oh yeah. He's on a team, another team. Is he on the team? No. Okay. Uh he's just on a team. And so anyway, um, so he kind of took over and handled it. And you know, of course, he made me, you know, he's like, Yeah, you shouldn't have said that, you shouldn't have done that. I'm like, Well, welcome to, you know, having a Bob's world new a newer agent on a team. This is some of the things you're gonna have to deal with.

SPEAKER_00 18:22

And I Well, he very happy you didn't do anything else.

SPEAKER_01 18:25

Well, and the thing is he didn't know the whole story of how abusive this man had been. Um, and and that was on me for not really sharing all of that. I probably should have, but um But as a new agent, you don't want to I know you know he you think this is how life is, you think this is how real estate is, and these are the things you should handle when they're really things you shouldn't have had to handle. Yeah, and I should have fired him.

SPEAKER_00 18:47

My grand story is the same.

SPEAKER_01 18:49

Well, and so about abusive. So he ended up terminating the day of closing.

SPEAKER_00 18:56

And so he Did they keep us earnest money?

SPEAKER_01 18:59

Yeah, they did, and he and it came that he just ended up not having the cash to close, and he never really had the cash to close. Because he bought a Rolex. Because he bought a Rolex, and then the builder was stuck with all these modifications that he had done to the house, and you know, that's part of it.

SPEAKER_00 19:14

It is what it is, so he never bought.

SPEAKER_01 19:16

No, he never bought, and I never heard from him again, and it was a good lesson for me to learn on boundaries.

SPEAKER_00 19:24

Do you ever look up these people? No, you should want tax records.

SPEAKER_01 19:28

I know or forewarn.

SPEAKER_00 19:29

Do you still have his phone number?

SPEAKER_01 19:31

No, no, and you know, and I'm I I know a lot of my friends that are realtors do forewarn, which I need to do more, but sleuth a little bit more than I do. I'm kind of like out of sight, out of mind.

SPEAKER_00 19:41

So my thing is whenever I can't go to sleep at night. You think about this stuff? Then I'm like, I wonder what they're up to. And then I like, I'm like, so toxic treat.

SPEAKER_01 19:50

Okay, so tell us about your grinch, because I dominated this whole podcast talking about my anesthesiologist who huffs, you know, refrigerant.

SPEAKER_00 20:00

So Migrant is this fat old lady that lives in Idaho.

SPEAKER_01 20:04

Okay, what's wrong with being fat? Let's not fat shame.

SPEAKER_00 20:07

Well, I don't even I've never seen her.

SPEAKER_01 20:10

So you're just being mean now, Anthony. You're just being mean. Okay. And you're being an ageist on top of it.

unknown 20:15

Okay.

SPEAKER_01 20:18

A Buddha, a Buddha. Reframe. Buddha, excuse me.

SPEAKER_00 20:21

No, no, no. I did not. Okay, cut that.

SPEAKER_01 20:25

Yeah, refrain. Okay, so who's your grand?

SPEAKER_00 20:28

So Carol.

SPEAKER_01 20:29

Okay.

SPEAKER_00 20:29

Carol.

SPEAKER_01 20:30

And not Christmas Carol.

SPEAKER_00 20:31

No, we call her Bitchy Carol. BC.

SPEAKER_01 20:36

BC. So far Christmas. Bitchy Carol.

SPEAKER_00 20:41

Yes, and it was before Christmas. So yes, yes, yes, yes. Um, so I had a short sell. Oh. Um, and for those that don't know, a short sale is pre-foreclosure. Yeah. It's where the bank takes short short money on what's owed. But in reality, with this one, I don't think they lost any money because they made all their interest up front, and it we weren't taking that much of a hit. So um, so Carol was our assigned point of contact with the bank. Yes. Okay. And she was a work of art from the very get-go. Her first email to me, she sent me an email and she's like, hey, here's their approval for the program, here's the addendum, here's blah, blah, blah. So I didn't respond because we were going through a suable loan, and so we didn't want to start that until we figured out about the suable loan, because that was our first, you know, that's better for everybody. Someone just takes over the loan and you don't lose any money, you just wipe even. So fast forward, it got denied, and blah, blah, blah. But so Carol said, so I responded, like, she sent out on a Monday, Tuesday. I don't know. I didn't respond until the next Wednesday or Monday. And I said, sorry for the delay. Um, thank you so much. I'll get it signed by my clients, I'll send it back. She said, Why are you sending it from another email? And so a little backstory is Realty Austin got acquired by Compass. So we have two email addresses. One is Compass, one is Realty Austin. My Compass forwards to my Realty Austin, so it doesn't freaking matter.

SPEAKER_01 22:15

Right. Right.

Lessons On Firing Clients And Safety

SPEAKER_00 22:16

Like I get both emails, I send from both emails, so be it. Who cares? I'm getting the email. So I respond and I say, sorry for the confusion. We got acquired by Compass. I have two emails. I check both of them. She's like, Well, I don't understand why you didn't respond then.

SPEAKER_01 22:32

Oh.

SPEAKER_00 22:33

So we started out Carol's a peach.

SPEAKER_01 22:36

A peach. Yeah, Carol's a peach.

SPEAKER_00 22:39

Yes. So, or a bitch. Um, so that's how we started. We went through this whole process for months, probably two or three months. And it was the same buyer getting thrown around. She kept denying, she never denied the offer, but she'd say, You need to fix this, you need to fix that.

SPEAKER_01 22:58

So she would deny the contract. Yeah.

SPEAKER_00 23:00

Like the contract. She wouldn't deny it. She would just say, This needs to be fixed, this needs to do this. She wanted the lend or the title company to do certain things, and like, we can't do that. That's illegal. Yes, illegal. And then she wanted me to rewrite the contract, then she wanted me to not put an addendum on the contract, even though it's an addendum, and by definition, it's attached to the contract.

SPEAKER_01 23:22

Right. So she just never said no to the contract, but never accepted the contract because she wanted all these modifications that were not legal.

SPEAKER_00 23:30

Yes. Oh wow. And it wasn't her place to tell us how to write a contract, not her place to tell us what could be on a closing statement, not her place for anything. No. So and she kept blaming everything on her. And it's very systematic.

SPEAKER_01 23:44

Yeah.

SPEAKER_00 23:45

It's like I do this day in, day out. I understand you do too, but you're also in all 50 states.

SPEAKER_01 23:51

Right.

SPEAKER_00 23:51

I am in Texas.

SPEAKER_01 23:52

And Texas real estate is very, very different.

SPEAKER_00 23:54

Yes. We can't just go. She wanted me to delete a page from the contract. Okay. After it's been ex executed.

SPEAKER_01 24:00

Oh, we can't do that.

SPEAKER_00 24:01

No, she wanted me to go in and black out, like to make it white. Just delete it.

SPEAKER_01 24:06

Oh, you can't do that.

SPEAKER_00 24:06

Like it never happened.

SPEAKER_01 24:07

You can't do that. Not in Texas. No, we don't know.

SPEAKER_00 24:10

Not anywhere. Not anywhere. But state. Yeah. It's a contract. You've agreed on a contract. You can't just delete a page because you're not filling it. That's stupid.

SPEAKER_01 24:18

No.

Anthony’s Short Sale Versus “Bitchy Carol”

SPEAKER_00 24:19

But so to each their own.

SPEAKER_01 24:22

So how did you my dogs just came up again? So so how what happened?

SPEAKER_00 24:28

So my clients, so the buyer actually terminated um because they were done with it.

SPEAKER_01 24:34

They sir took several months and they were done with it.

SPEAKER_00 24:37

Yeah. So they they terminated the contract leading up to this. I already had the conversation with my clients. Like, what happens if this doesn't go through? Because it wasn't looking great.

SPEAKER_01 24:47

Yeah.

SPEAKER_00 24:48

So we we went through all the pros and cons of like, we're done with it. We don't care. They can take it as foreclosure. We can do deed in lieu of foreclosure, which is where it's little less than foreclosure. You pretty much surrender it and you say, Don't go through the process, here's the deed, all back down and you move on. Yeah. It doesn't go on your credit.

SPEAKER_01 25:06

It's still so it does it go to foreclosure at that point? Okay.

SPEAKER_00 25:10

No, the bank just takes it. You just deed it over to them. Oh, essentially. Okay. So you just bypass all that legal stuff. So banks rather do it that way because it's cheaper on them. Well, and it's better for the borrower because it doesn't go on as a foreclosure. Yeah. Because it wasn't foreclosed.

SPEAKER_01 25:25

It'll stay on your record for seven years.

SPEAKER_00 25:27

Seven years, exactly. So and they gave us that offer at the very beginning. And so my clients inquired about it about a month ago when things weren't going great. And they're like, Well, we've changed our policy. We really don't know.

SPEAKER_01 25:40

Oh, wow.

SPEAKER_00 25:41

So then now, fast forward. So they offered the bank the um D and Lou foreclosure. They're like, nope, you're not getting it. We're not doing it. We're only doing foreclosure.

SPEAKER_01 25:52

Oh no.

SPEAKER_00 25:54

And there's been a little heated emails back and forth between me and Carol and my clients. We might have talked to her supervisor.

SPEAKER_01 26:02

Okay.

SPEAKER_00 26:02

Because she would send us emails all in caps and bold letters.

SPEAKER_01 26:05

Really?

SPEAKER_00 26:06

Yes. So and it was all from her. You know, I'm a very like easygoing person. The at the end of the day, I'm here to sell a house.

SPEAKER_01 26:16

Right. You are. I'm the one who loses my temper from time to time. And and drops an F bomb on people, as we have learned.

SPEAKER_00 26:23

And I know and I never told bitchy Carol that she was a bitch. You'll have to bleep a lot on this.

SPEAKER_01 26:29

It's okay.

SPEAKER_00 26:31

So um, so I talked to my clients. I was like, well, what do you all want to do? And I was like, I'm I'll do whatever you want. But at this point, I don't think this house is sellable in the condition that it's in with the lender the way they are.

SPEAKER_01 26:43

Well, and that the bank isn't willing to work with a buyer. When you have a buyer, they're not willing to work with it. They want to get into the logistics of the contract about and rewrite it.

SPEAKER_00 26:52

Who pays the recording fee? Not even who pays it, that it's paid. Because we put that the buyer pays it. Right. And she cared that the buyer that the recording fee that is required by law that goes to the county for recording the document.

SPEAKER_01 27:06

Right. Yeah.

SPEAKER_00 27:07

So stupid.

SPEAKER_01 27:08

Yeah, that's stupid.

SPEAKER_00 27:09

Um, so my clients ended up terminating the contract or the offer or the listing agreement, sorry. And um we just moved on.

SPEAKER_01 27:16

And so now they're are they suing the bank?

SPEAKER_00 27:20

Uh no. They decided not to. Okay.

SPEAKER_01 27:22

So they're just walking away.

SPEAKER_00 27:24

But they have turned them into HUD, F um S the Fair Trade Commission, yeah, and consumer protection for lending and the um Well, because they stood in the way of a a willing buyer and a willing seller.

SPEAKER_01 27:38

The bank did. And that it, you know, the bank was gonna benefit from this. Everybody was gonna benefit. But again, somebody's ego got in the way of a deal and then it all fell apart.

Illegal Requests And Contract Tampering

SPEAKER_00 27:49

And that's pretty much what I put in my email. So I emailed her and her boss whenever I sent over all the documents with the termination. Yeah. And I said that Carol prevented I didn't call her out by name, but I said bank representatives have derailed this transaction from the get-go, and that we were pretty much doomed for foreclosure, and that they did not do anything to help us. So but that's that.

SPEAKER_01 28:13

Um, and those are some pretty good grenches for the year. Yep.

SPEAKER_00 28:17

You know, like that was just this week.

SPEAKER_01 28:20

That was just this week. Mine was about ten years ago, but yours was this week.

SPEAKER_00 28:27

So there might be some anger still there, but you know.

SPEAKER_01 28:30

That's okay. It's fine. Well, as we're wrapping up this holiday season, if you guys have any grenches, our listeners have any grenches that they'd like to share, go to our website. Yeah.

SPEAKER_00 28:40

Share your house comments.com.

SPEAKER_01 28:45

Yeah.

SPEAKER_00 28:46

Um drop us a line.

SPEAKER_01 28:47

Tell us what your grinch has been for 20 years.

SPEAKER_00 28:50

Is this our last episode for the season? Nope. No, we got one more.

SPEAKER_01 28:54

One more episode for this season in this year.

SPEAKER_00 28:56

Yeah. Yes. So y'all have a is it a Merry Christmas?

SPEAKER_01 29:00

It's a Merry Christmas.

SPEAKER_00 29:01

No, the next one's Merry Christmas.

SPEAKER_01 29:02

Merry Christmas. But we're saying we're in the Christmas season. True. So it's still we can always say Merry Christmas.

SPEAKER_00 29:08

Until next week. Merry Christmas! And happy new year. Thank you for tuning in.

SPEAKER_01 29:14

We'll see you next week. Yes, so please like, subscribe, subscribe, comment, share, follow. Whatever it might be. Until next time.