The RE/MAX Associates Louisville Real Estate Blog

How Long Does It Take to Get A Mortgage

In 2017 we live in a world where we have instant information at our fingertips, and are baffled when processes become slow.  We can click and tap to articles, restaurants, sport casts; we even have next day delivery on amazon packages. When it comes to getting a mortgage the process is not as fast. It's much slower than you may have originally thought.

The mortgage process is quite involved, especially concerning the legal documents. There are several moving pieces in the process and just one hangup can slow it down tremendously.

How long does it take to get a mortgage?

The mortgage process takes an average of 45 days, and can be as long as 60. With all the moving parts, it begins with getting pre-approved. Next is a home appraisal, and then obtaining the actual loan.  If you had any financial trouble in the past the lender will mercilessly inspect it and slow you down enough to put you behind schedule.

Start the mortgage process as soon as possible

It is not advised to begin the process once you find your perfect home. The time to begin is the moment you think you want to buy a piece of property.

Most sellers will require the buyer get pre-approved for a mortgage even before they consider their offer. The lender will need to check your credit score, debt to income ratio, and plenty more of your Financial information. Some people have steady income, where others have seasonal, and depending on your situation the process can take anywhere from one week to several months.

When you finally get approved, the lender won't tell you how much of a loan you're getting and then you can begin shopping for a new home.

One important thing to do before you even get started on your pre-approval process, he's figure out which mortgage rates and winters are right for you. Most lenders offer different terms and conditions. 

After you find a home there's a couple more steps....

Selling Fast and For More

Trying to sell your home in a hurry? Your first idea might be to offer a great deal to attract more buyers. However, you could get the better end of the deal if you play your cards right. In a competitive market, pricing your home a tad higher can help you sell faster. 

Here's how and some tips for your listing

All marketers should know that the price of a commodity is only worth what somebody will pay for it. They see the item as having that much value. This is the perceived value. 

Apply this to home sales and realize why similar homes have such different prices. They might have the same square footage, number of bedrooms, etc., but are separated by a price gap. In a competitive market this can lead to homes being bought up fast! Some of the reasons are:

New Buyers

It opens the door for a new segment of buyers, perhaps the people who weren't originally shopping in that price range. 

Confirmation bias

It makes the buyer think about why the home is priced higher (from its similar competition) which forces them to look at it's selling points. The confirmation bias is when buyers presume something about the house, and search for an answer to back up their assumption. 

Higher bids 

First bids are usually higher because they are based on the asking price, which could lead to higher negotiations.

Market time

When I home sits on the market for a little while, the perception of the value begins to diminish. Buyers will wonder if there is something wrong with the home, and automatically dismiss it. 

How to get more for your home

Having a slightly higher asking price can get tires in your home to see if the the perceived value is there. Keep in mind that your asking price needs to match the home inside. If the home doesn't back it up, buyers will think you're overpriced...

Build Your Credit Right After Graduating

Graduating from college is a big step in your life, but the rest of your future is ahead of you. What should you do now that your an "adult"? Build your credit and get ready for the next big life event; buying a house! Here's what you need to know about building your credit score.

It really does matter

If you want to qualify for a loan, or even rent an apartment, your credit history will be looked at without question. 

Know where you stand

The first thing you want to do is know exactly where you stand. Get a copy of your credit report by visiting your local bank, or one of those credit viewing services. Look over it carefully to make sure the information is correct, because mistakes are very possible. If there is a problem, report it and get it fixed immediately.

Build your credit history

Your credit history is an important factor in determining your credit score. That three digit number has a lot of power in determining you the rates you will pay. 

When you're young it's important to build your credit history because that's when you have plenty of time to do so. Getting a credit card is one of the most common ways to build your credit history, but it comes with a catch. You must be responsible!  Failing to pay your credit card balances will take your score the opposite way you want to go. 

If you choose not to get a credit card, there's no way for financial institutions to track you. It's almost as if you aren't even on the radar, show you appear as a credit risk.

Know your credit card options

With all the credit card offers flooding your mailbox, you may be better off getting one with a credit...

What Is A Lien? What Kinds Are There?

A lien is bad, but it's not the worst thing that can happen. It happens from time to time, and they must be dealt with.

Getting behind on your mortgage, bills, other payments, and diving further into debt by borrowing money to pay those debts will eventually end up as a lien against your property. 

When the creditors start calling and you ignore them, you're probably thinking what can they do when I have no money. Well the lien is in heir power. 

Creditors power

when creditors have been ignored long enough and they want you to know they mean business, they will place a lien against the largest asset you have, which is most likely your house. In the event a lien is placed on your home, your actions will be severely limited. Taking out a second mortgage or a home equity loan will surely be off the table.

If you're thinking of selling your home, the lien needs to be paid off in full by the closing date, or use the proceeds of the sale. 

Common liens

There isn't only one type of lien creditors can place on you. Here are three more common types of liens.

Mechanics lien: these arise when general contractors work on your home, or repair man, or any labor with skilled crafts. They may place a mechanics lien on your home as insurance to make sure they get paid.

Judgment lien: if you are in court for any reason, and lose the lawsuit, the wedding party can file a judgment lien against your home until the payment is collected. These are usually imposed by lawyers if you neglect to pay your lawyer bills.

Tax lien: neglecting to pay your federal, state, or county taxes results in the government placing a tax lien on your home.

The best thing you can do for yourself if you have a lien is get that taken care of as quickly as possible. You do this by talking to the lienholder and negotiate the payment. 

If you...

HomeBuyer's Believe Wrong

Genworth Mortgage Insurance recently conducted a survey and they concluded that potential first-time homebuyers are hindered from joining the real estate market because they cannot meet the 20% down payment rule-of-thumb. Homebuyers may think they are required to have 20% in a down payment, but this is not the case. It's totally possible to put down far less and still get a house, but your chances diminish. 

This survey took place at the 2017 Mortgage Bankers Association Secondary Market Conference in New York City. 

The survey found 28% of the respondents believe that a 20% down payment is a requirement to buy a home. On top of that, 41% of industry executives were surveyed and found they believed potential borrowers who know 20% is not a requirement believe it's far more difficult to buy a home without it. 

A whopping 39% of mortgage industry professionals believe that consumers' lack of knowledge of the process is what is actually hindering them from joining the market.

Another aspect behind this was a lack of inventory at 28%, and crazy student debt at 27%. The rising interest rates showed up at around 6%. 

A lot of first-time home buyers are passing on buying a home because they mistakenly believe they need 20% down, even though this category of buyers is leading the purchasing market. There are many options available to allow homebuyers to become a homeowner without coming up with a lump of cash. There needs to be more education so we can get people into homes.


Investment Property Steps

Jumping into the real estate industry can be frightening, but if you do your homework and put an honest effort into learning, it will all be worth it in the end. Before you buy your first property, here’s what you should know. 

Prepare yourself for the downpayment and interest rates

Buying an investment property is not the same as buying an owner-occupied home. What’s different is mortgage insurance isn’t an option any longer. They do not offer mortgage insurance for properties that are intended to be rented. They will also want a down payment of no less than 20%. 

Another difference is interest rates. The investment property rate is usually a bit higher than owner-occupied home rates. 

Know if you want to rent or flip the property

Renting a home versus flipping it will require a different game plan. You’ll need to know what you want to do before so you can organize and plan your strategy accordingly. 

When you flip a home, you’ll need a lot of cash for repairs, energy to do the work, and a plan to sell it. Renting doesn’t need as much money but you will see your investment coming back in a longer period of time. Renting is more of a marathon, unlike flipping which is a sprint. 

Understand the local market

Knowing even a little bit about your local community and market can take you a long way. If you plan on renting this home, you’ll need to know if the city/town is growing, stagnant, or dying. Is the city seeing a population growth, or are people moving out because of dying industries? You’ll want a market that is attracting young entrepreneurs, and hopefully they can afford your price range in rent. 

Research the market

If you have been eyeing a property, do some research and check to see what similar buildings in the area are selling for. Look at the local buying...

Renovating Mistakes

Everyone likes to renovate their home, because we all like the finished product. But renovating a home is not so simple. The upgrades can be crazy expensive, leaving you wondering if moving would have been a better choice. Here are the mistakes most commonly made while renovating your home.

Never smooth sailing

Always assuming your renovations will go according to plan will leave you disappointed. There's always something that is obstructing your plan from being executed flawlessly. There's always obstacles you never anticipate. The lesson here is to prepare for the worst.

Don't cut corners

Sometimes people are in a hurry and just want the job completed as quickly as possible. This leads to rushed work, which is always sloppy work. There is often spillover effects when the work is rushed. The lesson here is to get the job done right. This will save you a headache and money down the road. Trust me.

Make plans

During a renovation you will lose some, if not all of your appliances for a certain amount of time. Maybe you lose your stove and oven, or your washing machine. In this case you'll have to find another way to cook your food and or wash your clothes. If you plan on eating out or using a microwave for the rest of the duration of your renovation, you may leave a big hole in your wallet and put on a few extra pounds. Not to mention finding a laundry mat to go to weekly. The lesson here is to plan ahead and make accommodations for the lifestyle change you are undertaking. 

Do it at your own risk

When deciding to take on your projects yourself, just know that you are on your own and no one is coming to help when you make a big mistake. Just because you think you...

Why Renters Shouldn't Reconsolidate Their Debt

Like most Americans, we have bills to pay and balance loans to meet. With debts coming in from almost every direction, consolidation of those debts may appear to be a smart move. It's looked at as one payment instead of several, and even perhaps get yourself a better deal. This works for some of us, but not all.

It typically doesn't work for those who rent. If a renter wishes to consolidate their debt, a lender will group your debts into one pile and now you owe them, instead of multiple different companies. Here's why it's a bad idea.

1. Consolidating debt affects your credit score

Let me guess, you're renting now to save up for a down payment on a house soon. Oh, and you'll also need a new car in the future, and you plan on going back to school. 

Getting a debt consolidation loan will show a huge red flag on your credit report, which also takes two years to be removed. This will hurt your credit score, and that's a fact. That will probably push your future plans of getting a house and a new car back a ways. 

Having a less than desirable credit score will impact your interest-rate's, potentially costing you way more than you originally planned. 

2. Consolidation can be expensive

While it seems like a great idea to have one payment instead of me, it will do you no good if you can't make the payments. Missing payments can increase your interest rate, as well as incur additional fees. 

Renting is a different game. Landlords and lenders sometimes are very unforgiving. Don't put yourself in the position to have to choose which payments will be made this both. Missing either one can be costly.

3. Consolidation isn't going to help your bad financial habits. 

Be honest with yourself and acknowledge a...

Home Warranties & Why You Need One

Owning a home is a pricey endeavor. It requires attention and upkeep simply because things get old a need to be replaced. Having a safety net will make the joys of homeownership a bit better, but be prepared to shell out some cash for those repairs. 

For the first-timers, it's always a rude awakening when they wake up to a broken hot water heater, or come home to a busted AC unit. This time around, it's your problem, not your landlords! What's a first-time home owner to do when crises strikes?

What's a home warranty?

Home warranties are just like any other warranty you buy for any other appliance, like a dishwasher or TV. They cover nearly every running system in your home, and cost anywhere from $300 to $1,000 per year.

The beauty of home warranties is you don't have to go shopping for repair men, nor do you have to pay out of pocket for the repair itself. 

All you need to do is call your home warranty provider and explain your situation. From there, the company will contact the repairmen they're partnered with and send them over. Your warrant premium will cover the cost, but  expect a co-pay in the ballpark of $50.

Who should buy home warranties?

These are well suited for first-time home buyers. They are used to calling the landlord when problems arise, and this is similar just a little different. 

Homeowners who are used to working long hours and don't have the time to tinker with repairs really benefit from these warranties. Those who also benefit are owners who don't have the know-how to fix things on their own. 

In many cases, one big disaster can show how important these warranties are and can pay for themselves quickly. 

Warranties don't just belong to first-time home buyers or the busy, they're made for everyone. People who buy homes and pay attention...

Real Life Lessons When Buying a Home

Buying a home can be one of the biggest events in your life, so make sure it's one of the best choices you make. They can be pleasant experiences, or they can be complete disasters, or maybe somewhere in the middle. The best way to make sure you don't end up in the disaster category is by avoiding the most common life lessons among first-time home buyers.

Clever staging? Or Excellent hiding?

When homes are listed on the market they are staged as best as possible and are expecting multiple showings where potential buyers walk through and inspect the house. Buyers often see the home once or twice and commit to buying it. Once they've bought it and the stage is taken down they can see what they've really purchased. It's even recommended you walk along with the inspector and check everything they are looking at. Ask for receipts of new improvements or repairs.

In the disaster case the staged home shows flawlessly, and you end up buying a POS.

The lesson to learn here is to visit the home multiple times before you commit to buying it. Inspect the home each time and look for flaws you may have missed the previous visit. This will lessen the likelihood of buyer's remorse.

The home is great but...

Sometimes buyers will buy a home just for the home itself. It's important to choose the right home that is surrounded by the perfect neighbors, and community. If you don't fit in with your neighbors due to age differences, and the surrounding communities don't interest you, you'll wish you would have chosen a different place to call home.

The lesson here is to look for all the amenities that you can, and will enjoy once you buy a certain house. Once you can see yourself living with in the community, you know that is the right house for you.

Power lines where......

3 Things You Never Tell A Seller's Agent

When visiting an open house and you begin talking to the seller's agent, it's important to say as little as you can, while still being charming. Less is always more. The buyer's agent is the light to guide you through your real estate purchase. They should know your needs, wants, and how much house you can actually afford.

When it comes to the seller's agent they are a completely different story. You won't be in contact with them much because that is your agent's job, but if you are in contact just lay low. Play it cool and do not talk about these three things.

1. How much you like or dislike the house

Here is where you want to show the seller you are interested, but not too interested. They don't need to know you're jumping at the bit to make an offer, or that this is your dream house. 

You also don't want to open your mouth too much and be too critical of the house. By having too many harsh comments you could place yourself in a shady light and you become a less-than-viable buyer. When markets have become as competitive as they are, you need to show the image that you are rocksolid.

2. How much you are willing to spend

It's always taboo to talk about your finances. By talking about the money you can and may spend, you might dig yourself into a hole and place your offer at a disadvantage. The first thing you want to do is have your offer accepted, and the second would be at the best price.

You won't be doing yourself any favors by giving the sellers an idea of your financial limits. A little mystery can go along way. As a seller, they should feel they set a fair price for the home they're offering and if you think that house is worth that price, but it may just be the house at the right price for you.

3. Use your head and let your agent do the work...

Clean That Closet Out!

How often do you walk into your closet and tell yourself you’ll lean it out soon? We all tell ourselves that, but rarely do it. It’s probably time to get rid of a bunch of clothes you haven’t worn in years. Take the initiative and clean that closet! It will be easy and worth your time. You’ll be happy you did and it will only take an hour.

The Purge

Donate just a little time occasionally to clean your closet, or go after it all at once. Keep a container in your closet or bedroom that is a donation bag. Whenever you come across a piece of clothing or an item that you no longer use, toss it in the donation bag. When the bag is full, or you’re finished cleaning out the unused items, take that bag to a donation center. 

You can’t wear it if it doesn’t fit

No matter how attached you are to a special pair of paints, if it doesn’t fit, you cannot wear it. It makes zero cents to keep the items that are old and don’t fit right anymore. The only exception is if you are a gym rat and have a plan of wearing it again soon, while being able to hold yourself to a commitment. 

New seasons and chances

When the seasons change you bring out a whole new wardrobe. If you didn’t wear that sweater last winter, you won’t be wearing it this winter. If the gaudy tank-tee you love never left your closet last summer, it sure isn’t going to this summer. Get rid of these items!

Use the plus one, minus one approach

Just bought a pair of new jeans? Put them in a nice place in your closet, but dat forget to take out the old pair that are collecting dust. The idea is that if you go hopping and come...

Underwater Mortgage Options

And astounding 3.2 million households in America cannot afford their monthly mortgage payments. This is often referred to those in the industry as an underwater mortgage. 

What are underwater mortgage is is when the balance of your mortgage loan is greater than the fair market value of your home. This often happens when there is a downturn in the market or flat out crash and home prices.

Let's say four example you buy a $300,000 home in 2006, and you still owe $250,000. If you tried to sell your home in the current market you may only get $230,000, leaving you still owing $20,000 and no downpayment on your next home. The advice here is to wait it out. But what happens if your family is growing too fast and waiting isn't a viable option?

Here's what to do:

Getting out of an underwater mortgage will hurt, there's no two ways about it. Prepare yourself to feel a little sting, because it is coming.

1. Short sale

Short sales always hurt because they come up as a little mark on your credit history. Yes you've had a short sale in the past few years, all lenders are awfully hesitant to loan you money. The strategy of hurry up and wait is the one that you may have to take.

2. Take a little from savings

To make up the difference you may have to cash out a retirement fund or use your rainy day money. What's worry some about this is you may have nothing left over, or not enough to keep you afloat if a tragedy were to happen. If you skimmed too much out of your savings and don't have enough for a down payment on your next home, your best bet is to find an experienced loan officers who know where they can get you good deals in Fannie Mae.

3. Rent your home

To meet the needs of your growing family you may have to rent out your home while you...

Wasteful Spending is Hurting Your Bank Account

We never really notice little amounts of money being taken out of our bank account. Weekly, we seem to spend $3 here, $5 there, on small things like items at a gas station, or even a quick lunch. Throughout the course of a month all these little purchases on knick-knacks add up. 

We typically have an idea of about how much money we have in our bank accounts, but we seldom pay attention to each transaction. Your financial ship is sailing full speed ahead, but a little leak may be letting in water to slow you down along the way. Here are some common ways we spend money that slow our ship down, and how to plug that leak.

  1. Bank Fees

Banks are sneaky and they’ll take your money any way they legally can, which is usually through fees. The best way they can is through overdraft foes, and then by issuing paper statements. Sometimes they’ll even charge you a flat fee for not having a certain amount of money in your account. Yes, thats right, they’ll take your money for not having enough money. 

Certain banks charge you to move your money around. Also, some banks make you pay for services you really don’t need. So figure out where you bank is taking your money and do everything you can to keep their hands off it.

  1. Food waste

If you ask any American where they spend a good chunk of their money, you will hear food as some common answers. It’s okay to spend money on food, but there’s also food waste involved, no doubt. Americans have the tendency to buy in bulk, which leads to a bunch of it being wasted. The best thing one can do is meal-plan and resist the urge to buy outside of that plan, unless you are 100% sure it will be eaten.

  1. Energy gluttons

Energy is an expense everyone has, but how much they spend is up to the user. Energy consumption varies throughout the year. Winter months we blast our heater, leave it alone in the spring and fall, and blast...

Jobs You Will Want to Hire Out

On this blog we usually promote DIY projects, but not today. Sometimes the workload can be just too large, or advanced for a homeowner. When this kind of circumstance is the case, it is almost unavoidable to hire out the work to a professional contractor. 

If you are flipping or renovating there will surely be several parts of the home where you hire a professional to make sure the job is done right. You pay for what you get (typically) and hiring out is usually expensive. When you hire out you'll save yourself time and hassle. These are the four jobs that you should probably hire a contractor to complete. 


If your home needs a new roof this is the most important project to hire the professionals. It will take forever if you do it yourself, and you could even do it wrong. If you're working on the flip house, just remember, time is money. 

If you've never installed a roof, but feel like you can learn through YouTube, do yourself a favor and hire it out.


Plumbing is a dicey venture best left to the professionals. It's possible you could make a huge mistake and cause yourself hundreds, if not thousands of dollars in damage. Sometimes plumbing can be an instant issue, or it may take months to notice the problem, so why even chance it?

You would be better off hiring a professional who does this for a living. The time you'll save will be much more valuable than the cost you save by doing it yourself, and possibly doing it wrong.

Structural improvements

The newest trend in homes are open floorplans. As a flipper, chances are you will need to knock down some walls. The problem with this is that you can't just knock down any wall. Something may crumble! If you knock down the wrong wall you may have structural issues....

Termites and Insurance? Are You Covered?

Termites live to eat, and if they are in your walls and/or foundation, your home is under attack. The countless number of termites will be eating day and night without rest. Termites cause billions of dollars of damage every year, and most homeowners don’t know their home is under attack until it is too late. At that point the homeowners ask whether their home insurance covers termite damage. The answer is, nope!

Homeowners insurance doesn’t cover any damage that is preventable, and this includes any insect like bed bugs, fleas, roaches, termites, etc. The way insurance companies look at termites and other bugs is interesting. They figure them to be preventable, because homes deserve maintenance and inspections fairly often. Some insurance companies boldly outline the rejection of coverage for bug infestations. 

There is one exception though. It’s called collateral damage. Picture this, termites eat away at a corner of your foundation, and a beam collapses. When that corner of the house collapses, and  it takes the second story corner weight with it, insurance will cover the repair of the second story; but the cost of the foundation beam will be out of your pocket.

So it’s clear that homeowners insurance covers unexpected/accidental situations, but nothing that happens over time like termites. 

On the plus side several insurance companies offer special policies for “wood destroying insects”. This rather small list includes termites, carpenter ants, and beetles. The cost will depend on where you live. States like California, Arizona, Texas, etc. can have terrible termite problems, while states like Alaska and Maine have very few termites. It all just really matters where you live, so a good way to decide if you need this is to talk to your insurance agent, but don’t buy everything they say. 

One way to prevent an infestation is to call pest control to treat your home. Another option is to inspect and treat your...

Foreclosings Dwindle

Less and less foreclosure signs have been sprouting up in the past several years, which has been excellent for the industry.

A foreclosure filing includes default notices, and auctions and bank repossessions. These have dropped 19% across the country from the first quarter of 2016. This is roughly 235,000 homes! 

A report by Attom Data Solutions, a real-estate data firm, claims these are the lowest level of foreclosures since the third quarter of 2006! 

If we view this on a local level, more than 100 markets fail sufficiently below pre-recession foreclosure levels, which is up from 78 markets last year. These cities that still have a higher number of foreclosures include Philadelphia, New York, and Boston.

In March 2016 foreclosure rates were up 24% compared to March 2017. However, March rates are up 6% from February. 

The state of new jersey had the highest rate of foreclosures followed by Maryland in Nevada.

Since foreclosure rates are dropping, this indicates a strengthening housing market. It may also impact the affordability crisis that is popping up throughout the country. And because people are finding it harder to afford houses, they are choosing to rent rather than buy. 

Regardless, we like seeing the rate of foreclosures shrink!


8 Home Improvements Under $1,000

Here's how you can upgrade you home in under $1,000!

1. Install a smart thermostat

Heating and cooling your home accounts for more than 40% of the total energy usage. Having a programmable thermostat allows you to keep an eye on the temperatures even when you're not home. Many people forget to turn it off when they leave for work in the morning and it runs all day. Having a smart thermostat allows you to manage it from the road. There can be a substantial amount of savings over the long-term with this cool feature.

2. Update your fixtures

Old lights, vanities, and appliances can really make a Home look old. New anything will breathe new life into the home. Simply installing new hardware on cabinets gives it a fresh new look. Replace the spa think that your house that look old and it will go along way.

3. New toilet

Replacing an old, ugly, heavily used toilet can make a substantial impact of your home. Toilets only cost anywhere from $100-$300. The new toilets even use less water which can shrink your water bill over time. 

4. Reglaze the bathtub

Bathtubs can really make or break a deal. They are a pain to install, so every buyer really hopes the current one is in good shape. For a couple hundred bucks you can reglaze your tub and make it look brand new. 

5. Lay down a tile floor

Tile is sexy, and it makes a home look elegant. Shiny new floors really help homes sell. They are easy to clean and don't hold dirt and grime like carpet does. Lay some time in your bathroom and if the budget allows, in other parts of your house.

6. Add new blinds or shutters...

Market Value Vs. Assessed Value

A home's value is not a set number, it is based on what somebody will pay for it. These numbers move almost daily. There are usually two numbers to look at when buying or selling a home. There's the "assessed value", and the "market value", so let's learn the difference. 

These numbers seem identical, but they can be vastly different. The assessed value is usually lower and used in different ways.

Market value

The definition of market value is, "The most probable price that a given property will bring in an open market transaction." 

Essentially it's the price that a buyer will pay for the property, given the seller accepts that price.

A professional real estate agent is trying to determine a home's market value by looking at a couple of characteristics. 

External characteristics: these include the curb appeal, the outside condition of the home, style of home, size of the lot, and availability of public utilities.

Internal characteristics: The number and size of rooms, construction and appliance quality and condition, HVAC systems, and energy efficiency.

Comparable: what the homes nearby are selling for, or have already sold for.

Supply & demand: The number of buyers and sellers in your area.

Location: how desirable of a neighborhood this home is in, the quality of school districts, and the crime rate.

The market value of a home is a good place to begin for a plethora of things. Agents can use the market value to prod sellers to come up with a reasonable asking price for their home. A seller may give an unrealistic number they want for their home, but the agent is there to guide them towards the more realistic...

4 Things That Could Be Stopping Your Home From Selling

Your home is your castle; with all the loving memories you've made along the way in such a special place. When it is time to sell your home and you don't even get any showings you start to question what has gone wrong. 

Instead of moping around about it, go through the house and look at it the good, the bad, and the horrible so that you know what needs to be done to sell your house.

The worst thing you can do is nothing, and the best thing you can do is take action. Ask what few people have looked at your house have thought, and request your agent send out surveys for feedback.

Don't take the results of the site surveys personal, that they are only looking at this as a business deal. And just remember that the customer is always right.

When you're selling your home make sure you don't fall in the trap of the four common things a seller typically overlooks that turns off buyers. One of these may be stopping your home from selling. 

1. Keep a clean home

Dishes in the sink, toys on the floor, male laying around - all of these eyesores portray to the potential buyer that the home isn't well cared for. It may also signal there is a lack of storage room. Clean your home of all the unnecessary items before anybody steps inside. Box stuff up, sell it online, or donate it; however you choose it has got to go. 

2. Update décor

Popcorn ceilings, wood paneling walls, shag carpet, are completely out of date. Buyers don't want to buy a home they'll have to renovate them selves. Simply trading out the brass doorknobs or painting the wood paneling or quick fixes that could remedy your problem.

3. Clean up after your animals

It's common that pets leave a lingering smell and the buyers walk out after a couple minutes. A house full of pets leaves...