A Real Estate Experience.
I suppose it started when an acquaintance proudly declared, “I know a realtor! She’s in my networking group!” Considering the source, I gave pause. But common courtesy forced my hand and I acquiesced not to an introduction, but to have her send me the realtor’s contact information, I would get in touch with her when I was good and ready.
The next day an email arrived to both of us, making the introduction. The realtor enthusiastically and immediately replied and my fate was sealed. We met within a week and I found a friendly, professional, ostensibly capable realtor brimming with confidence and positivity. We had a pleasant, reassuring conversation for close to an hour during which time I let pass the puerile sales tactics “How badly do you want to own your own home!?” and signed the entirely unnecessary paperwork, the kind that gives the façade of an official partnership but in reality obviates them of any true responsibility for their job.
Over the ensuing months I saw all that Fishtown and Northern Liberties had to offer. Below ~$300,000. The okay, the bad, the ugly, the trying, the sad. There were brand new condos out of my price and taste range. Beautiful homes abutting the tire repair shops on Front Street. Rehabbed buildings that left you questioning the layout wisdom of the upstanding Philly contractors trying to flip houses with more fervor than Hillary flips policy positions (“Yes! I’m ready for her to do that! Oh wait, okay, I’m ready for her to do that!”). Some of the floorplan decisions politely asked you to expand your imagination, “this 4x4 second room is perfect for a physiologically-beneficial standing-room only office, or Peter Dinklage’s master bedroom!”. Others asked a little too much “I suppose having doors separating rooms is a little Greatest Generation”. Some houses were hundreds of years old (okay, like 80) but I had the vision to see what they could become once I transformed them. I have zero experience working with tools and building stuff and am not particularly good with my hands, much to my engineer Dad’s dismay, but I would have the buoyant energy of a new homeowner and my generation’s secret weapon: the internet. Nothing would be beyond my and an instructional YouTube video’s reach. Obviously I didn’t go with one of those houses. I viewed places with an easy-going bro from the real estate agency who was particularly adept at unlocking and relocking homes. I could not have done it without him.
Finally I found what I felt was “the right” place, and at the lower end of my price range to boot. Open layout, nice sized outdoor area, modern kitchen and bathroom, all in a fully rehabbed, two-condo building in the still transitioning part of Ftown. The hard part was over*, let the buying process commence.
It started innocuously enough, receipt of a lot of the condo docs, a tremendous amount of gibberish for which I paid a lawyer a few hundred bucks to tell me “this all says don’t be putz’s to each other”. Fair enough. Then came the seller’s disclosure. From my review, which was informed by nothing, everything appeared to be in good shape. I did notice that final inspection was “coming”, and not, say, “completed”, but knew they had recently finished construction and I had the utmost faith that my realtor would make final inspection part of the sales agreement. So on to the sales agreement. Here is where you understand that you are agreeing to stuff and they are agreeing to stuff and you are signing it, so you kind of have to go through with it, pending some out clauses. It is the most essential paperwork of the sale. Only I have yet to meet a realtor who actually knows what goes in these things (thank God for copy and paste) nor what to add to protect you. Nor one who looks you in the eyes and says “Jon, hire a lawyer to review this.” After all, that’s what the realtor is for, right? Right?
Then things started becoming… thorny. The listing agent representing the sellers was slightly less than “barely responsive” to requests for further, agreement-stipulated documents, nor were there any explanations proffered for why they were delayed. But no matter, I knew my realtor would shine during this minor communications annoyance. She would rise to the occasion and prove her value to the process. After all, ensuring the transaction progresses smoothly is a pivotal part of her job. In fact, quite literally, it is her only f*cking job. So imagine my irritation as I came to see true impotence personified. As someone recently put it, anyone with a third grade education can pass the multiple choice test and become a licensed and dangerous realtor. Mine was a special kind of hazard in that, “you have no idea what is going on, do you?” kind of way. She kept insisting things would be fine, even as the other agent alternated between outright ignoring her or sending incorrect docs, she continued to stress that we should push forward with inspection, with post-inspection, with post-post-inspection, etc.
Finally the morning of closing came. At last! My own house! Of course, we still did not have all the requested documents and had not heard anything from the listing agent in some time. But being the go-getter that she is, my realtor insisted we do the final walkthrough as a further display of stuff that she does. We get there and well, we walk through it. Things seem okay, it wasn’t cleaned after the staging was removed, but alright. So my realtor calls the listing agent’s office to ask about that white whale of documentation, the tax abatement application. The secretary answered that they were still “working on it”. It was then and there that my realtor developed something resembling the spine I didn’t know she had under all that fluff and demanded to speak with the listing agent. But she couldn’t. Because he was in Mexico. On the day he was supposed to sell a house.
Now, finally, I was angry. Early on in this process, when they started not delivering on promised documentation and not being very communicative in general, I raised an alarm with my realtor. But again, she insisted everything was okay; after all, it was only a few weeks, not like it had been, you know, years. And look – she’s the professional. I have never purchased a home before. Everything I knew about real estate came from a few choice scenes in American Beauty and watching Million Dollar Listing one time. The truth is, you have absolutely no choice but to fully trust these people to both know what they are doing and do right by you. So you let events take their course, even though you don’t have a sense of control, even though the non-closing meant you had to go hat in hand to the landlord of your current apartment and ask if you can stay an extra month so you don’t become homeless over the course of, ironically, trying to buy a home.
After the only good suggestion from my mom, meeting the seller face to face to clear the air and renew goodwill, things got back on track and the sale was finally made.
Now is when it gets interesting.
But first, I’ve moved in! Hooray! Except for a couch, TV, flatware, furniture, stuff that makes you feel moved in, etc. But I’m here! In my new neighborhood! [Multiple gunshots heard in the background along with what sounds like a plastic knife fight between the long-time neighborhood hobos]. This is exciting! [Why did I do this, I miss renting, can I go back? I can never go back].
Fast forward to present day. I did that most homeowner-y of things and hired an electrician (thanks, Angie). He arrives with his tool belt and 10” strong red beard and I take an instant liking to him. He exudes competence and reasonableness and his pricing is fair. We go to the basement where I need him to swap out the dryer outlet for one that is actually a dryer outlet (in its stead was an oven outlet, surely an innocent mistake on the contractor’s part). The electrician can do this in no time. But he starts looking around in a way that immediately makes you wary. “Huh, that’s interesting”. Give it to me straight Doc. As it turns out, almost nothing is to code. There are 12 amp electric lines running into a breaker wired for 14 amps and neutral line circuit box grounded electricity Thomas Edison lightning the Sun. Things sound bad and incomprehensible. He is convinced they did not get permits. Aha! Nice try, world, I’ve definitely seen the permits! I smugly (actually: desperately, frighteningly, furiously) search Gmail and find them. He sees the electric company and the electrical inspection company listed and promptly gives them a call. “No, no I never did the work on that house and I emailed the electrical inspection company telling them to cancel the permits”. “No I’m pretty certain we didn’t inspect that house”. I shit myself.
This is fraud. The seller presented permits as if they were valid and as if the companies on them did the work. Right then and there, I decide I’m going to lawyer up. I go to Yelp and leave a voicemail for a five star hotshot and promptly get a text saying it will be $500 for a consult. I quickly go to Yelp’s ugly cousin, Craig’s List, as I cunningly think, one lawyer is as good as any, so I call one up. (Here is where I’ll inject a hilarious joke from my Dad: How do you know if a lawyer is lying? Is he talking?).
We speak for an hour. “No, it’s actually not really fraud because it is a valid permit and no, the companies listed didn’t have do the work because it could have been a subcontractor and also, funny thing, in Philly there is sort of a black market for permits, you see it’s kind of like the wild wild wes-“ I can no longer hear him as my vision starts to blur, all noises become dull and distant, I see a beautiful light fading… fading… gone. I’m back. MOTHER F*CKER! F*CK THIS CITY. F*CK BUYING A HOME. F*CK REALTORS. F*CK HOME INSPECTORS. F*CK HOME SELLERS. F*CK. EVERY. THING.
I like my lawyer. And I like, for the first time in my life, legitimately using the term “my lawyer”. It’s kind of like a movie but in real life, with the only difference being that in real life there’s no such thing as happy endings. Except in Chinatown. (Not sorry).I agree over the phone to his pulled-out-of-ass price for him to investigate why the permits are still open and why there did not appear to be final inspections by both the city and the electrical inspection company. He also lifts my spirits by saying the seller’s disclosure listing final inspections as “coming” should have been a major red flag for my realtor. [Slow, deep, breath].
The retainer agreement has been signed. The check is in the mail. My righteous struggle for justice is underway.
A-few-weeks-later update: Does anyone have experience hiring a lawyer to sue another lawyer?