A few things here.

1. There is nothing wrong with asking too many questions. Whether the snake is $100 or $3,000, your money earned takes your hard work.
2. Credit card protection is an amazing thing if you have one. You mentioned your little brother, so I'm not going to try and guess your age. But if you do not have one, ask you parents.
3. MorphMarket is an amazing place to help verify morphs. Just plug in the claimed traits and see what they look like. For the most part, most popular morph combos have plenty of examples on the site.