your credit profile and timeline. • Demystify costs (origination, discount points, third-party fees) so your net is clear. About points (quick refresher): 1 point = 1% of the loan amount. Paying points lowers the rate. It only makes sense if the breakeven timeline fits your plans—I’ll run those numbers. Serious Considerations (and How I Handle Them For You) • Selling before qualifying to buy: I pre-underwrite your next purchase so timing doesn’t trap you. • Guessing your payoff or penalties: I verify payoff, fees, and any prepayment terms. • Underestimating closing costs: I deliver transparent net sheets and update them with every change. • Earnest money questions: I negotiate clean contingency language and safeguard your deposits. • Over-sharing with buyers: I keep communications professional and strategic. • Low appraisal risk: I prep appraisal packages, contest when warranted, and renegotiate smartly. • Showings & stress: I systematize scheduling, prep, and feedback to reduce disruption. • Inspection hurdles: I anticipate common findings and line up cost-effective solutions. • Closing prep: I coordinate title/attorney, confirm figures, and review your Closing Disclosure line by line. • Buyer privacy during showings: I ensure buyers tour freely while I field the questions. • Weeding out non-qualified buyers: I require strong pre- approval (or proof of funds) and evaluate lender strength. Bottom Line Could you sell solo? Maybe. Will you likely net more, stress less, and close cleaner with a pro who aligns pricing, marketing, and
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