If you see a little old lady on the street fumbling with her purse and a $20 bill falls out, would you pocket it and act nonchalant when she notices it is missing or… give it back to her? What would make you feel better about yourself?

I commend you for putting 25% down and doing things the ethical way. You can sleep at night and look at yourself in the mirror. Those who renege on their financial arrangements thinking they “got one over” on their bankers will get their just desserts, even if you aren’t around to see it.

I know that those with horrid credit histories (BKs, foreclosures) get a lot of turn-downs when it comes to renting, never mind buying. Also, more would-be employers run credit checks these days before hiring… and it’s quite probable that the “Realtor” who “owned” this home will be looking for another job soon.

After all, who would want her to do any RE deals if she can’t even hang onto her own house?