This is the Ramsey Call of the Day, part of the Ramsey Network.

Darlene is in San Antonio, Texas.

Hi, Darlene.

Welcome to the Ramsey show.

Thank you, Dave. Thank you for taking my call Welcome to the Ramsey Show. Thank you, Dave.

Thank you for taking my call.

Sure.

I've been trying to get through since last Friday, so I'm really excited to speak with you.

My question is, I put a contract offer in on a small fixer upper, and it was a cash offer,

and they were asking high 90 90s and I came in

just slightly below that so they did accept the offer and basically uh basically I was going to

buy the house with the loan I I did not get the loan.

So I had to terminate the contract within the three-day termination period.

And the seller and the seller's agent did not like that.

So they said, well, we're still going to hold you to the contract and the earnest money.

And my buyer's agent said she's perfectly within her three-day termination period.

And I did speak with the title company and the title company, the lady who pretty much manages the title company.

She's the main person there told me that you're in your three-day termination period. You did not present the earnest check. And also the contract is full of holes. And the

contract is incomplete. There's two pages missing. And I'm not going to accept the contract.

And she asked us, what, us being my buyer's agent myself, is your concern and the buyer's agent said well

they're going to try to hold her liable for the earnest money and possible breach of contract

and she said well I don't see how that's going to happen when I the contract is dissolved so I just

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