Help PLEASE!!!!!!!?

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Senario ok I am in the process of buying a home from H.U.D the home is beening sold as is well I signed the contract and all is well until my mortgage company asks me to turn on all the utilities on the home well I have been getting the run arounds from my agent(pretty new agent) and the mortgage company has not return my call yet I called yet another mortgage broker and this is what I got that the seller hud has to turn on all utilities so I can have a home inspection done on the home and if you have come close or have been in this senario PLEASE HELP……………..

  1. Reply
    November 10, 2011 at 5:09 am

    Call your agent’s boss – don’t be afraid to do whatever you have to in order to get things taken care of.
    You could even contact the seller’s agent yourself and make arrangements to have the utilities reconnected, it shouldn’t be that much of a hassle!

  2. Reply
    November 10, 2011 at 5:34 am

    To get the loan you have to get the utilities turned on, no matter what. It’s required. I understand the contract says “As-Is”, but did it say subject to home inspection and appraisal? Then the inspection would have to be acceptable. The things they need to check with the utilities on may not be operable and that’s why the agent is avoiding you. But, it may not be. If you can’t get financing you can’t close on the house.

    Stay strong. It will all work itself out. Closing late would probably only affect your locked in rate which might expire.

  3. Reply
    November 10, 2011 at 5:46 am

    You have an incompetent agent. Call the real estate agency
    you are dealing with and get the Broker to handle the problem.

  4. Reply
    Mary B
    November 10, 2011 at 5:46 am

    I’m having a little trouble following your post, but here is what you need to know.

    It is NOT your responsibility to turn on utilities for a home inspection, it’s theirs.

    That is Real Estate 101, and I’m suprised your agent doesn’t know that.

    The above poster that said you have to have the utilities turned on to get the mortgage is wrong…200% wrong. NO ONE would put utilities in their name and have them turned on WHEN THEY DON’T OWN THE HOUSE.

    Appraisers are not licensed Realtors…all they know is that it’s hard for them to do a full assessment of the house without the utilities on.

  5. Reply
    November 10, 2011 at 6:12 am

    HUD homes typically do not have the power on. Besides, your home inspection is for information purposes only, HUD isn’t going to bend the rules. That’s the chance you take when you buy a foreclosure. I wouldn’t put the utilities in my name until the day of settlement. That’s just common sense.

  6. Reply
    November 10, 2011 at 6:14 am

    Your (pretty new) agent probably works under a broker. Call the broker or the owner of the agency and explain to them that your agent doesnt seem to know how to get the utilities turned on for your inspection and you need it done. It is a very nice way of informing the broker that your agent is an idiot.

    Another route is to contact the utility companies directly, explain that you are buying the property and need the utilities turned on for the inspection. Give them as much lead time as possible. They are more than likely familiar with the process.

    You may want to have your agents worked checked over by the broker. The broker needs to know the agent is in over his/her head so that the broker can make sure the agent doesnt screw up entirely and end up getting everyone sued. If the broker is any good at all, they will appreciate the heads up.

    Best of luck to you,


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