Margaret Rome's Blog


It Doesn't Happen Often


Many years ago, I listed a home and received a call after placing the for sale sign. 

Not knowing the buyer, I had my husband take me to the appointment. The prospective buyer liked the house and when I started asking questions, found out he had been at the same company for almost 20 years, married for a long time and had a young daughter but... had never bought a home. 

I asked about his credit...he had none. Asked about his car payments...he took the bus. Asked about his gas and electric...he went to the utility company and paid his bill.  Groceries..always paid cash.

He did not believe in credit cards or checking accounts. He owed nothing to anyone.

So I asked: "Where is your money? " He answered "It's in the bank."

I asked another question, "May I speak with your banker."  He smiled and said: "Of course."

We drove him to his bank, met the manager and was assured he had sufficient funds to purchase this house with cash.

He had been renting for over twenty years.



Other agents would not talk with him without pulling his credit or without being qualified by a lender.

 Not once was he asked how he would pay!

Imagine not owning a car, not  having a credit card and not owing anything!

They bought the house free and clear

This was a wonderful family that worked hard and  lived within their means. 


Margaret Rome 410-530-2400



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Comment balloon 18 commentsMargaret Rome, Baltimore Maryland • July 28 2017 02:50AM


Congratulations on your insight, Margaret Rome, Baltimore Maryland .  Here is a client who had all the means (cash) to purchase a home.  You asked the right questions and made a great sale. Great for your client and great for you. 

Posted by Lynnea Miller, Premier Real Estate Service in Central Oregon (Bend Premier Real Estate) over 2 years ago

Good for you, Margaret, for how you handled this...but then I am not in the lest surprised. I suspect there used to be far more people who lived this way than these days.


Posted by Jeff Dowler, CRS, The Southern California Relocation Dude (eXp Realty of California) over 2 years ago

I am in awe of people who can not only live within their means, but manage to put money away for a purchase such as this one. Kudos for you for listening!

Posted by Kat Palmiotti, The House Kat (406-270-3667,, Broker, Blackstone Realty Group - brokered by eXp Realty) over 2 years ago

Thank you for sharing this story. You are a good agent because you are a good listener  and really care about others.

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) over 2 years ago

A very rare buyer and i will bet you that they are clients for life too! Great story to motivate us today!

Posted by Sandy Padula and Norm Padula, JD, GRI, Presence, Persistence & Perseverance (HomeSmart Realty West & Geneva Financial, Llc.) over 2 years ago

Good morning Margaret Rome, Baltimore Maryland ,

It always comes down to listening and asking the right questions. Great story..I'm sure these clients will recommend you to family, friends and use you again in any real estate purchase they make.

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker United Realtors® ~ 512.750.6899) over 2 years ago

What an amazing story. Goes to show you just how other "professionals" can drop the ball sometimes!

Posted by Sharon Tara, New Hampshire Home Stager (Sharon Tara Transformations) over 2 years ago

Congrats and thanks for sharing!

Posted by Lillie Painia, ABR, NHC, TAHS (Lillie L. Painia, Tri-R Realty Group) over 2 years ago

Living within means and not abusing credit is something that is certainly not the norm in our society.  Glad to know there are folks out there that can do it.

Posted by Chris Ann Cleland, Associate Broker, Bristow, VA (Long and Foster REALTORS®, Gainesville, VA) over 2 years ago

Lynnea Miller It was amazing that this sweet family did not enjoy home ownership sooner. This was one of my most rewarding transactions.

Posted by Margaret Rome, Baltimore Maryland, Sell Your Home With Margaret Rome ( HomeRome Realty 410-530-2400) over 2 years ago

Chris Ann Cleland There are  people living within their means... but you have to ask the right questions.

Posted by Margaret Rome, Baltimore Maryland, Sell Your Home With Margaret Rome ( HomeRome Realty 410-530-2400) over 2 years ago

Awesome story Margaret!  I can see you going right to his bank and making sure all is a go! I've had clients like that - paid cash for everything (my Dad) and had no use for massive debt or any. Some of these folks learned to save every dime because of growing up in the depression era.  Lots to be learned by for the younger Starbucks crowd!!

Posted by Anna Banana Kruchten Broker/Owner, CRB, CRS, 602-380-4886 (Phoenix Property Shoppe) over 2 years ago

Anna Banana Kruchten, CRS This was one of my favorite transactons. My next post is going to be how I got this listing. 

Posted by Margaret Rome, Baltimore Maryland, Sell Your Home With Margaret Rome ( HomeRome Realty 410-530-2400) over 2 years ago

Anna Banana Kruchten, CRS That would be a great contest...Like you. there are many unique and interesting transactions.

Posted by Margaret Rome, Baltimore Maryland, Sell Your Home With Margaret Rome ( HomeRome Realty 410-530-2400) over 2 years ago

Hi Margaret - We've had a few clients that didn't use credit cards or have much documented credit, but never one that extreme. Good for them! Have a great weekend!

Posted by Dick Greenberg, Northern Colorado Residential Real Estate (New Paradigm Partners LLC) over 2 years ago

That guy sounds exactly like my parents.  They were in their 20s when the Great Depression hit in the 1930s.  When I grew up, they had no dealings with banks.  Everything was cash.  Dad worked at the railroad.  He was paid every other Friday.  They would take his payroll check to a local grocery store and cash it.  I remember a Saturday morning in 1950, my dad moved an end table in their bedroom, peeled back the carpet, and took out an envelope. Dad counted out cash, put it in his wallet, and we went to the car dealership to buy a brand new Hudson.

Posted by Myrl Jeffcoat, Greater Sacramento Real Estate Agent (GreatWest Realty) over 2 years ago

Sounds like my parents - cash for everything except for their very first house.  They knew the value of saving as well as sacrificing by not having every new shiny toy.  

Good for you in taking the time to ask the right questions and do the right thing.  Great story!

Posted by Susan Haughton, Susan & Mindy Team...Honesty. Integrity. Results. (Long and Foster REALTORS (703) 470-4545) over 2 years ago

Susan Haughton I think many of us grew up with these values. Thanks for sharing your story.

Posted by Margaret Rome, Baltimore Maryland, Sell Your Home With Margaret Rome ( HomeRome Realty 410-530-2400) over 2 years ago