不好了！我的买家因抵押贷款被拒绝 - 现在怎么办？

You?ve accepted an offer on your home and have signed a purchased agreement with the buyer. While most real estate deals will get to the closing table without any major obstacles, sometimes the purchase does fall through. One of the most common pitfalls in the closing process happens when your buyer does not get approved for their home loan. If you find yourself in this situation, then these are your options.

Most common reasons they weren?t approved

It?s extremely common for potential homebuyers to get preapproved for a mortgage. It?s certainly one of the first pieces of advice that any real estate agent will give to those shopping for a home. Today?s market is competitive, and anyone who isn?t preapproved will likely not have their offer accepted. Nonetheless, just because your buyer was preapproved doesn?t mean they will ultimately qualify for their home loan. The most common reasons they don?t get approved include:

• 他们失去了工作或收入发生了重大变化。
• 他们的 信用评分 太低了。
• 他们的 债务收入比 太高了。
• They don?t have enough money for the down payment.
• 房子的估价很低。

您是否仍应尝试与该买家合作？

It can be a real challenge to have a deal fall through before it closes — especially if you have a tight timeline. If you struggled to get an offer on your home, then it may make sense to try to work something out with this buyer. They may be able to find another lender, or you can renegotiate the sales price if they had a 评价低. However, it?s important to know that we are in a seller?s market and 房屋库存仍处于低位.可能有另一个买家准备加入。 事实上，你可能已经有一个 备用报价 on your home that you can turn to if your original buyer falls through. If there?s no backup offer and your 上市协议 仍然有效，那么您的家可以简单地重新投放市场。

你需要退还他们的诚意金吗？

当对您的房屋提出要约时，它通常包括 保证金存款. This is usually one or two percent of the purchase price. The buyers use the earnest money to show the seller that they?re serious about their offer. This money is kept in 第三方托管 直到关闭，然后应用于首付。定金通常是不可退还的，除非合同中有意外情况，例如 融资应急. This type of contingency allows the buyer to recoup their earnest money if they don?t qualify for their loan. If you?re in doubt about whether or not you need to return the earnest money to the buyer, then talk with your agent.

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