The Double Struggle to Buy A Home

REALTOR® Outlook

By Kay Wilson-Bolton

October 17, 2009

The current shortage of inventory makes it difficult for the average, intentional homebuyer to complete a purchase if the FHA loan is the loan of choice.

A sad condition is developing when a buyer wants or needs to use FHA financing to complete a purchase. This loan was designed to assist marginal buyers. Asset Managers, and sometimes the listing agents, are making it clear that buyers with cash or conventional loans are more desirable

An additional stressor is found in what we hope is a temporary “new normal”. Some buyers have been told their chance of purchasing a home is increased if they work with the listing agent for the property they want to buy.

We have lost clients and buyers who have been told by listings agents that if they offer through them, they are virtually guaranteed to be the successful buyer because no other offers will be presented.

Clients have told us they would be told the amount of the highest offer if they made a new offer through the listing agent or a team member.

Every market and economic environment creates new problems, challenges and opportunities.

Due to today’s issues, many clients have faced the dilemma of staying with an agent they trust or switching to the listing agent who controls the listing but is unknown to the buyer.

These actions fly in the face of the REALTOR® professional Code of Ethics and Standards of Practice.

If you have heard these statements and feel you have been damaged in any way, pleased let your agent know or speak to a member of the Ombudsman Committee for Ventura County Coastal Association of REALTORS®, 805.981.2100. You can also file a grievance to be heard by the Professional Standards Committee. Ask for Randy McCaslin, Executive Officer.



Kay Wilson-Bolton served the real estate industry since 1976. She is the broker for CENTURY 21 Buena Vista with offices in Santa Paula and Ventura. She brings a regional perspective to local issues. She can be reached at 805.340.5025. Her web address is


About Kay Wilson-Boltonhttp://www.kaywilsonbolton.netWith a full-time career in real estate, I can add to your bank of knowledge, not only in real estate but in many areas of life that deal with people and relationships and choices. My real estate career has taught me many lessons about planning ahead and looking forward. I believe in helping along the way so that they can be the best they can be in any situation. I serve as a Fire Department Chaplain and Coordinator for the Many Meals Project which serves homeless and hungry families in my community. The event is far more than many meals. As a result of my work with the homeless population in my community, I received the Good Neighbor Award 2017 from the National Association of Realtors and named as a Champion of Homes in 2015 by the California Association of Realtors. I make pastoral visits to the inmates in the County Jail System and offer them what God says about "all things being new" and His remarkable plan for our lives. I have served my community as Mayor and in many volunteer capacities. I serve others by serving God first. My husband is involved in prison ministry and is a graphic artist. We live a simple life in Santa Paula with an office cat named Scout, three rescued poodles and a cat named Tony Diane at home.

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