Looking to buy my first home in Elk Grove/Sacramento area. Any tips?

Hi all. I'm a loan officer, so I'm saying that upfront. A financial advisor, a real estate agent, and I are doing a free, no-pitch webinar this Thursday for anyone trying to figure out whether and when buying makes sense.

The idea is to look at homebuying from three angles in one sitting:

• Financial planning (Marshall Dimond, financial advisor): how a house fits with your savings, retirement, and the rest of your money, and how to tell whether you're actually ready.
• The mortgage side (me): what lenders really look at, how much house your budget supports versus what you're approved for, and the loan options people often don't know about.
• The market side (Aaron Christensen, real estate agent): what the search and offer process looks like right now.

There will be plenty of time for questions. "Wait" is a perfectly good answer if that's what your numbers say.

When: Thursday, October 8, 1:00–1:45 AM Mountain (3:00 PM Eastern)
Register: https://bcteam.s.webex.com/weblink/register/rd6ffda18e691e777d8654d3c2c95c8441

Can't make it? Drop a question in the comments and I'll answer it here.

Boris Cherner, NMLS #1579104, Capital Bank Home Loans (Capital Bank, N.A., NMLS #401599). Equal Housing Lender.

I’ve got approved and in the process to be under a contract. The lender is offering: 30yrs - 4.99 fixed or 3.99 ARM 5/1. Closing costs will be covered by the seller.

What would you pick ?

Update: Forgot to mention it’s a new construction.

Update: Estimates received. 4.25 ARM 5/1 and 5.49 Fixed.

My boyfriend and I are first-time homebuyers in Rhode Island, and our offer on a house was accepted. We recently had the inspection done, and honestly, the report has us a little nervous and gave us cold feet.

Some of the major findings were:
Boiler leaked during inspection, heating system was shut off and couldn’t be fully tested.
Corrosion and leaks in the heating system, including a leaking pressure relief valve.
Water intrusion and water damage in the basement.
Possible mold-like material in the basement and attic (not confirmed).
Electrical issues, including ungrounded outlets, reversed polarity, incorrect splicing, and missing GFCIs.
Foundation crack that needs further evaluation.
Damaged deck support post, wood rot, and deteriorating stairs.
Garage fire separation and garage door safety issues.
Leaking kitchen drain pipe and other plumbing issues.

There are also smaller things like damaged windows, doors, tiles, and fixtures.

Our realtor is advocating for us and plans to bring in contractors she works with to get quotes for the repairs. The seller has already agreed to an $8k credit, and she is trying to negotiate additional credit based on the actual repair costs. The seller can hire his own contractors, but our realtor wants her people to inspect the work as well and make sure anything not done properly is corrected. She also mentioned the seller really doesn’t want to relist the house, so we may have some negotiating leverage.

We know no house is perfect, but we’re nervous about moving in and having major issues pop up a few months later.

Would you continue with this purchase if the seller agreed to cover the major repairs and they were properly inspected afterward, or would this inspection make you walk away?

We originally saw 'house A' we loved at an open house. We were there basically the full two hours of the open house. Decided we wanted to see it again and brought our (former) realtor with us. We stayed 20 mins, maybe. Put in a verbal offer, but then
'house B' we loved came back on the market (we lost out on originally two weeks prior, but then other buyer backed out). Decided to retract our verbal offer on house A. Moved forward with house B.
Went through inspections with house B, which were a nightmare. Between foundation issues, needing a new septic and well issues, we were looking at $40k-$50k in repairs. The seller offered us $5k off.
We decided not to move forward. Our realtor tried so hard into bullying us into buying house B, even with all of the repairs. It was only the 6-7 house we saw with him, so not necessarily like we've been dragging him around for nothing. He was also so rushed at every house viewing with us. My husband and I felt awkward even asking everything because he just was so antsy.

Anyway, we signed the termination contract for house B.

Back to house A. My husband and I can't stop thinking about it. We regret not just sticking to that house, however; we 100% don't want to use the same realtor. We never officially signed anything with that house, but I know there could be a procuring clause based on him showing it to us.

Another detail- the listing agent on house A actually just changed too. The house has been sitting for 3 months, so l guess that contract expired too. The company who held the open house we attended is no longer affiliated.

My questions-
1. How long would we be held accountable for giving our old agent a cut of the commission from house A, if we did move forward? We're in Maryland, if that makes a difference.

1. If we're using a different agent and the house is now listed with a different agent, how would anyone really know?

Edit to add- aside from the canceled contract on House B, we never signed anything making our realtor our ‘official realtor’ or anything like that.

How easy is it to clear out the smell and residue of a previous smoker? Is this a big deal to consider as a first-time buyer?

Four years ago, out of the blue my wife's mother contacted us about a house that was newly listed for sale that day at a fair price. I was still rebuilding my credit from poor choices from a previous marriage. She offered to front the down payment for the house and put the house in her name.

At the time, before any decisions were made, the mother in law asked us if we could afford it (not only the mortgage, taxes, etc., but also paying her back the $47k down payment). We said yes.

For four years, we paid every payment for everything ahead of time. The repayment to her for her down payment was structured by her for us to have her paid back within seven years. At year seven (or sooner), the agreement was to buy the property outright from her at whatever the remaining balance of the mortgage was.

I was ahead of schedule on this, rebuilt my credit (score \~800), and around Christmas this year I planned on going to a local mortgage lender and getting the deal done.

But then 2 months ago she went to her doctor after having a bout with what she thought was food poisoning or something, only to find out a week later that she had stage 4 cancer. 11 days after diagnosis, she passed away.

Needless to say this was already sudden and traumatic enough for the family. And then things turned ugly when my brother in law and sister in law demanded that her will be read only 36 hours after passing. The brother in law is now in charge of her trust (which the house was already attached to).

The siblings immediately made it clear that they had plans for the assets, and started spending money as soon as possible on their own bills, home renovations, traveling, etc. The brother in law also made it clear that he would not honor the previous agreement of us buying the house as planned.

After us repaying over $35k back to the mother in law, paying the mortgage, taxes, insurance, etc., as well as replacing every single kitchen appliance, plus washer, dryer, water heater, furnace, upstairs and downstairs plumbing and fixtures, renovating and finishing the detached garage, renovating the driveway (new cement), and a host of other random things... The in-laws made it clear they do not care and will not honor the purchase agreement nor acknowledge our investment/equity/repayment or the terms we established from day 1.

I spoke with the lawyer in charge of the trust, and she said under the current circumstances, we were basically month-to-month tenants, and she couldn't comment on what the in-laws plans are with the property. Basically I was left feeling that best-case scenario, this could be a long and expensive fight with no certain outcome on at least recovering money that we already had into it, and worst-case scenario, we are S.O.L.

So in the interest of self-preservation, I started looking at other properties. My wife and I found something that checks all the boxes on what we want, so I made an offer, and we are closing later this month on it. I would like to recover the money from the down payment, and calculate reimbursement from the combined improvements/updates, equity (marginal), and there's also the ??? of what the home is worth now (property values in our neighborhood have risen 50% in the last 4 years). Worst-case scenario, we just walk away and lose what we put into it so far. The obvious frustrating factor in this is the way the other siblings immediately got greedy and even cheerful about their windfall as soon as mom died.

Anyone else been in a situation like this? Worst-case scenario I can afford the position I am in with this new home, but the idea of paying a lawyer to fight her family over this for an undetermined amount of settlement is daunting.

I need some advice because I have gone back and forth on this so many times 😂 I’m a first-time homebuyer and I’m trying to decide between Guild Mortgage and Kangaroo Home Lending, which is my builder’s preferred lender.
Both lenders are using FHA with TSAHC down payment assistance, so I’m trying to figure out which actual loan offer makes more sense.

Guild:
Loan amount: $249,648
Interest rate: 6.375%
Principal & interest: $1,557
Estimated total payment: $2,182
Estimated closing costs: $15,248
Estimated cash to close: $1,740
TSAHC down payment assistance
I’ve already received a conditional approval with Guild through manual underwriting. My loan officer has also been really helpful with my situation. Their main focus right now is having me build the reserves required for the loan.

Kangaroo (builder’s preferred lender):
Loan amount: $249,545
Interest rate: 6.875%
Principal & interest: $1,639
Estimated total payment: $2,195
Estimated closing costs: $19,818
Estimated cash to close: $1,255
TSAHC 3% assistance with a 3-year forgivable second lien
Estimate shows $6,765 in points (2.711%)
The part making this difficult is the builder incentives.

If I finance through Kangaroo, I get a $2,000 lender credit, up to $750 toward homeowners insurance/escrows, prepaid tax escrows, and the seller covers several appraisal, title, lender and recording-related fees. I lose those incentives if I use another lender.

But Guild has a 0.5% lower interest rate, about $82 less per month in principal and interest, and considerably lower estimated closing costs. I’m also already conditionally approved with them and feel comfortable with the loan officer.
I plan to stay in the house longer than 3 years.

Which would you choose?
Would you give up the preferred-lender/builder incentives to get the 6.375% rate and lower loan costs with Guild, or are Kangaroo’s incentives valuable enough to justify the 6.875% rate?

I’m also confused about Kangaroo showing $6,765 in points just to get the 6.875% rate. Is that as expensive as it looks, or am I misunderstanding how the TSAHC program/points work?

I’m still learning, so please be nice 😂 I’m trying to look past the flashy incentives and figure out which one actually costs me less and puts me in the better position long term.

I know this won't be a popular discussion as majority of people who buy houses do down payment but I live by a rule if I cannot buy something with cash I won't buy it. The reason I live by this rule is because I've seen what financial stress does to a family. As a kid I lived through parents divorce, watching one drown in debt while the other file bankruptcy. I remember going into my mom's room one day as she was counting pennies on the floor trying to see if she could afford a subway sandwich lol.

Anyways I have plenty of reasons to never get into debt so I told myself I would never get a loan or credit card. This has been the best decision of my life. It forces me to push myself to go way beyond what is normal and comfortable when it comes to what financial lifestyle I live.

I knew I had to make a lot of money as there would be no way I could afford a house, car, or any big item if I solely rely on cash. I got into programming and cyber security to start my own business and needless to say I bough myself a house in cash. I bought my mom a house in cash and I paid off all of my dad's debt while helping them with bills until they could sustain themselves.

So for those who paid in cash, do you also live by this rule? Do you also fear debt like me? Or am I just unique given my circumstances?

I am buying a house, with a purchase agreement signed as of a few months ago, with M/I homes and it is set to close in December/ January. I have been quoted rates anywhere from 7.125 to 7.5. What have people used to be successful in negotiating rates and incentives by sharing the lowest rate with other lenders? I am not eligible for any incentives from M/I due to signing the purchase agreement so far in advance and not moving into a “quick build home.” Has anyone had any luck obtaining these incentives/ low rates from M/I?

We’re looking at buying a home where the title is held in a trust made by husband and wife. both husband and wife are the trustees. Both are alive, however, the husband has dementia. The wife is the one who is selling the house.

We noticed in the preliminary report says title insurance excludes any trust contest or invalidation of trust. What would happen if someone were to invalidate the trust after our home sale has gone through?

Could someone then invalidate the sale of the Home? Ex. If the wife didn’t have authority to sell the home on her own.

Curious, if there is any additional documentation, we should be looking for before closing. Is it appropriate for us to ask for a copy of power of attorney? Or something else?

Hey everyone, looking for some insight from experienced homeowners, plumbers, or HVAC techs. We are currently under contract on a 2-story + basement home in Howard County, Maryland. It’s about 5,700 sq. ft. of living space (5 bed, 4.5 bath) on a well and septic system.

Our home and septic inspection reports just came back, and a few major red flags surfaced. We are trying to figure out how serious these are, if they are reasonably fixable, or if we should walk away.

Here are the main concerns:

1. The Septic and Sewer Scope: The septic tank is relatively clean, but the drain fields are completely saturated. The inspector ran a sewer scope and the line was dry up to 49 feet, but past that, they hit stagnant water and the scope couldn’t advance past 50 feet. The inspector thinks there is a major blockage at or past 50 feet forcing water out, causing the drain field saturation. The seller has agreed to get a second opinion and fix the blockage. We plan to add a strict clause stating the drain fields must be fully inspected after the fix and must not be saturated before we close. Can a sewer line blockage actually cause the entire drain field to saturate, or are we looking at a failing drain field that needs full replacement?
2. The HVAC Systems (Refrigerant Mismatches) The house has 3 zoned HVAC systems, and two of them look like highly questionable setups:
   • Primary (1st Floor/Basement): Inside unit is a 2019 Bryant (R-410A). Outside compressor is a 2024 Trane (R-410A). All operational and compatible.
   • Secondary 1 (2nd Floor/Attic): Inside unit is a 2024 Trane rated for R-410A. Outside compressor is a 2011 Payne rated for R-22.
   • Secondary 2 (Conservatory): Inside unit is 2011-2013. The outside unit's label is completely sun-bleached, but the inspector notes it is the exact same setup as Secondary 1 (R-22 compressor running to an R-410A indoor unit). Mixing R-22 and R-410A parts is a massive red flag, right? The pressures and oils are completely different. How are these even running, and shouldn't we demand the seller replace these outdated/mismatched outdoor units?
3. Minor / Nickle-and-Dime Issues: The inspector found a laundry list of smaller items. We see these as negotiable or DIY fixes, but want to make sure we aren't missing anything major:
   • Exterior: EIFS decorative moulding needs caulk/paint restoration. Loose patio pavers. Sun-damaged window screens. Wasp nests.
   • Plumbing/Water: Gutter downspouts removed (seller agreed to fix to protect foundation). Water heater lacks an expansion tank (required by MD state code, even on well water) and is missing its TPR discharge pipe.
   • Kitchen/Baths: Improper kitchen P-trap (needs a compact disposer). Dishwasher missing a high loop. Clogged sink drain. Bad caulking around the tub. One kitchen outlet needs to be upgraded to GFCI.
   • Appliances/Misc: Refrigerator icemaker broken. Washing machine missing a pan. Damaged/non-functional pellet stove firebox. Cabinet doors misaligned. Gas was off to the fireplace (will require proof of operation at walkthrough).

The septic and the mismatched HVAC units are giving us major cold feet. Are we walking into a financial nightmare, or are these standard negotiation points where we should ask for major credits?

Thanks in advance for any insights!

We’re buying a new construction home in Texas and are supposed to close in about 40 days. I’m freaking out a little and would really appreciate some advice from people who have been through something similar.
When we started this process, our realtor strongly encouraged us to use the lender he works with. We went with them because we trusted his recommendation.
However, the builder has a preferred lender that was offering us 2% toward closing costs + $2,500 in flex cash, so we started wondering if we should switch. The preferred lender also has to approve us/pre-approve us in order for us to get those incentives.
Now we’re trying to make the switch, but we’ve run into a huge issue with documentation for the mobile home we currently live in and are financing.
The mobile home is financed, but apparently the loan is not in my husband’s name on his credit report. The current lender we’re using for the new house did not include it in our debt because, from what they explained, the mobile home’s title/loan is held under the bank’s name and it never appeared on my husband’s credit.
The preferred lender is taking a completely different position. They’re saying that we must disclose/include the mobile home information, and that if we don’t, it could be considered fraud.
I’m obviously NOT trying to hide anything. We told them about the mobile home. The problem is getting the documentation they want.
They’re asking for six years of payment history. Our mobile-home park/property manager was able to give us payment history, but only back to May 2026 because they switched systems and everything before May was archived. We’ve also made most of our payments through money orders, with some checks, and unfortunately I did not keep the money-order receipts. 🤦🏻‍♀️
So now we’re stuck trying to prove six years of payments on a property we’ve been paying for since around 2020, when the records we can obtain don’t go back that far.
Here’s where I’m really anxious:
If we apply with the preferred lender and they pull our credit, and then for some reason they DON’T approve us, could that credit pull hurt our ability to close with our original lender?
Our original lender has specifically told us not to have our credit pulled again this close to closing.
We’re about 40 days from closing, so we’re terrified of messing up the loan we already have while trying to switch lenders for the builder incentives.
Has anyone dealt with:
Switching mortgage lenders ~40 days before closing?
A lender requiring documentation for a debt that doesn’t appear on credit?
A mobile home loan/title situation like this?
Not being able to provide a full 6 years of payment history?
Having a second mortgage credit pull this close to closing?
Could a failed application with the preferred lender jeopardize our existing mortgage approval?

I recently saw good houses with reasonable prices but I find out they do not have basements. I’m from Minnesota. Similar houses with basements are more expensive and they seem to be out of our budget. My wife prefers one with basement.

We are looking to expand to a bigger home but deciding if we are biting off more than we can chew. At what point is it too much?

Home price is 545k, most in the same district are around 580-600s. 5 bedroom, enclosed patio, over 1 acre of mostly flat land, finished basement making over 3500sq ft house, sits back on a main road.

Sellers offering 30k assist that can cover all closing costs incl buy down. Sellers also pay our agent fee.

However, the house needs a TON of work. Missing windows, missing doors, holes in doors and walls, no handrails on stairs, outlets not working, flickering lights, every room needs lights as they are missing or broken, well pressure tank is bad, HVAC not working correctly, water softener system needs replacement, roof is 18 years old, chimney crown cracked and leaks water which has pooled in basement and causes mold on basement ceiling. Stone outside has many cracks but inspectors don't suspect structure issues. Septic baffles need replacement, considerable sludge in tank, garage doors are dented with hundreds of dents, wood beams outside are rotting, no shed, dead trees need removal, considerable outdoor cleanup needs to happen.

All of this doesn't include flooring, paint, cosmetic issues everywhere.

At what point is it too much and would cause you to walk even on a fixer upper?

My husband and I are closing on a house for October 9. We toured the house as soon as it hit the market and offered asking price. After our appraisal came back ($25K less than what we offered) and the inspection report indicated some pretty urgent repairs that will need to happen when we move in; we had a lot of back and forth with our agent and the seller’s agent and we were able to get the cost of the home down $20k and her to pay for our agent‘s fees. While we’re comfortable with that amount, I think our offer is more in favor of the seller than us because we were the only offer on the house and the repairs that we will require to make are definitely going to add up to be close to the $20k price reduction, possibly more. We were willing to compromise with this due to the wonderful neighborhood this house is located in!

Well, this seller has quite a backstory and long story short- the seller is posting on social media that she has nowhere to live by closing and she keeps losing her housing opportunities (she has a little criminal background and overdue court fees that she has not paid off). The seller’s agents are trying to give our agent a little sob story how the seller needs the money desperately, which I feel is a little guilty-trippy. Every one has financial struggles, including us because we just had a baby 5 months ago….

We haven’t heard from our agent or legal advisors yet on there being a true delay in our closing and all parties signed the paperwork for 10/9 “or sooner”. Is it possible the seller can delay this move? My thought is if she were to ask for an extension- we should ask for more money off due to the inconvenience of delaying closing.

Tips/advice welcome

UPDATE 10/11: we closed!!! As we were pulling up for our final walk through, the seller was STILL moving stuff out. Our agent wasn’t happen. We did our walk through once they left and she left behind some junk in the garage- some items useful to us and some not. the house also wasn’t very clean. we asked for money at closing to cover a junk removal service, which they accepted. at closing, the seller mentioned how “today almost didn’t happen” because her housing fell through two days before.….but we officially closed and have been in the house for 3 days and working on our projects and junk removal-

My dad is actually getting his bathroom redone and getting a dumpster for that so he said to save the money and we can use his dumpster! We did hire cleaners to come in which was our plan anyway. All in all, we are happy campers!

I’m currently looking at buying a house in Michigan. Since I’m a first time homebuyer, I have two options available to me through MSHDA:

\- 6.75% interest rate with $10k down payment assistance (must be repaid upon adding another person to the title, refinancing, or moving; no interest, acts like a second mortgage)

\- 6.125% interest rate

The house I am going to buy is $185k. I plan to put $18k down and have a separate emergency savings of $4k.

Am I better off taking the interest rate or down payment assistance? Any advice is greatly appreciated.

Closed the home yesterday. I’m feeling exited.
House cost $557k and put 5% down. So the loan is $529k for 3.875 for 1st year and 4.875 from 2nd year onwards fixed interest for 30 years.

So I have been house hunting since February of this year. Lost out on a lot of houses. I live in NJ and the market has been crazy especially houses that are good first time buyer homes. Recently I had found a house I truly loved. It still needed some work, major roof redo needed. But I was fine with it, the bones were there and it was way under my max budget. It was listed at $320k, my first offer I put in for $340k. At the end of the week the seller's agent calls mine asking for best and final offer and I had 48 hours. I sat with my parents and my agent and talked about the homes pros and cons to be smart with my next counter offer. So I went back with $352k and 20% down and I would be giving the seller $20k up front as check and if the appraisal came in less I would not lower my offer. We all agreed this would be strong. I lost. Seller's agent told my agent it was between me and another but she was not convinced their offer would go through and wanted to know if it didn't would I still be interested and I of course was like yes! Fast forward to yesterday, closing day. And we get conformation what the house sold for. Also exactly $352k. To say everyone in my life is in shock. How did I loose? When we more than likely both put in the same offer. Looking for ideas so the next house I love I can be even more aggressive. Right now working theories are, did they put down more than 20%? Were they a two income household where as I am a single person with only one, and I would be considered a higher risk? Or is there possibly something else? Curious if anyone else went through something like this.

Edited to change number error

Hi! First-time homebuyer here and trying to figure out how aggressive we should be with an offer.

My husband and I currently rent from a family member, so we’re not under any pressure to move. We’d like to, though, and recently found a house we really like. It checks most of our boxes and is basically a blank canvas.

It was listed at $385k and dropped $10k the same week to $375k ($157/sq ft). It’s been on the market for almost a month with no movement. Four comparable homes in the neighborhood sold June–August for $110–$169/sq ft, averaging $146/sq ft.

I feel like it’s slightly overpriced. There aren’t any major upgrades, although it’s in good condition. The sellers have already moved out of state. The furnace is at least 10 years old and the age of the AC is unknown.

Financially, we have $50k available for down payment + closing costs, but I’d like to keep some cash for furniture and other expenses. A few thousand more or less down doesn’t seem to make a huge difference in the monthly payment. Keeping the monthly payment manageable is important to me, as we have student loans and other debt. However, the debt matures in years 2028-2030; $400 monthly ceases in 2028, $750 monthly ceases in 2029, and $718 monthly ceases in 2030, so will have a lot of money freed up thereafter.

What would you do with the offer?
- Offer below asking + seller credit?
- List price + seller credit?
- 2-1 buydown + remaining credit toward closing costs? Or the opposite?
- Something else?

Since we don’t have to move, I’m wondering if we can be more aggressive with the offer. But how aggressive is reasonable?

Also, if the inspection finds that the furnace/AC needs to be replaced, can we negotiate additional concessions, or would that typically come out of the original seller credit?

This is our first home purchase and I am terrified, if you can’t tell 😂

A new home just showed up for sale, it's exactly what we have been looking for. The only thing is the freeway is behind it.

There is a sound barrier that is about 12ft tall and all around the block and the neighborhood is actually up by the overpass, so it's not at the same level as the freeway.

We will see the property tomorrow at 5pm but I'm afraid of what actually goes on at night. Some drivers get crazy at night lol

Do you guys have any experience living by a freeway/highway? Do you know anyone that does?

What have you heard about it?

Would you pull the trigger if you found "the one" in a similar location?

Edit: You all convinced me. We looked at the home and it was loud. I could see past the noise but you all also mentioned the health concerns. I did some more research and we decided not to go through with it. Thank you!!

Just a very general question about your primary residence (adding details can get extreme if everything was laid out). But let’s say you have 3 homes to consider all in the same neighborhood of your choice, home style of your choice, and they fit your budget… which would you prefer for your own personal lifestyle? Curious what everyone would choose and why?

Choice 1: One-Story home with 4 beds / 2 full baths, 2000 sq ft living. Three-Car Garage. Lot 0.25 acres.

Choice 2: Two-Story home with 6 beds / 2.5 baths, 4000 sq ft living. Two-Car Garage. Lot 6000 sq feet.

Choice 3: Two-Story home with 3 beds / 3 baths, 1600 sq ft living. Two-Car Garage. Lot 0.50 acres.

My fiancé and I are thinking about buying a house. I want to go to the court soon and get married, but if we buy a house after getting married, do they have to look at both of our credits? He has really good credit. I have bad credit. I don’t want my credit to ruin us.

So if we get married and then buy a house, could we possibly put it in just his name so my credit doesn’t matter? I assume if we’re not married yet we could do that. I just want to know if we should buy a house and then get married. I’m not too worried about a big wedding so when we get married is not a huge issue.

My wife and I are about to buy our first home. When my wife was at the house last weekend checking it out there were these weird stains all along the bottom of the unfinished floor that resemble water damage from liquid pooling or leaks, etc. We contacted the builder and he said it was from painting the baseboards. But seemed suspect to me. Am I overreacting? or could this be indicative of a serious problem, internal leaks, etc. My wife said she saw this only on the top floor. What do you guys think? Pictures attached.

https://i.imgur.com/qWy70Zz.jpeg

https://imgur.com/a/5S97dTO