Here’s what happens if the appraisal is lower than the contract price.
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What if your property doesn’t appraise at contract price? In this red-hot seller’s market, we always negotiate upfront with the buyer and the buyer’s agent about how much they’re willing to pay above appraised value. We’re seeing appraisals come in at a lot less than the contract price.
For example, if the contract price is $300,000 and the appraisal comes in at $280,000, there is a $20,000 disparity. We need to know how to handle this.
If the buyer is not willing to submit an addendum clarifying this, then renegotiation starts. Generally, the buyer comes up a bit, and the seller comes down a bit to meet in the middle. If they can’t agree, the deal is terminated, and we move on to the next buyer.
If you have questions about how we handle low appraisals or anyth ...

If you’re behind on payments, we can help you avoid foreclosure.
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If you find yourself falling behind on mortgage payments, you still have options. If you have been negatively affected by COVID-19, losing your job, or even working from home, and you’re unable to keep up with mortgage payments, there are ways you can help fix the situation.
You need to reach out to me as soon as possible if you’re falling behind on payments. If you wait too long, the mortgage can start pre-foreclosure proceedings, and you don’t want that. 

"You need to reach out to us so we can discuss this with your bank."


When you call me, we can discuss how far behind you are and why; what hardship have you had? We can take this information to your bank, mortgage company, or lender and let them know that you are having financial hardship. This puts them on notice and ...

Here’s why I preach financial stability to my homebuyer clients.
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Financial stability is something that every homebuyer should have on their mind. The most important thing you can do before starting your search is to get a pre-approval from a reputable mortgage lender or mortgage banker. We can connect you with one of our trusted mortgage advisors to get the ball rolling. The pre-approval helps determine what you can afford and what your monthly mortgage payment will look like.
Another tenant of financial stability is knowing your monthly budget. What’s coming in, and what’s going out? If you’re on top of this, you won’t be house-poor when you purchase your next home. 
"A home takes money to operate, and things will go wrong eventually."


I believe that having cash reserves is also very important. At the same time, you have to be dis ...

Here’s my team’s process for handling a multiple-offer situation.
Looking to buy a home? Search all homes here.Looking to sell your home? Get a free home value report here.

In our current, red-hot market, many buyers are waiving their home inspections when they write offers on homes. Is that a good idea?
Back in December, I purchased a building as is, so I didn’t have a home inspection done. However, I did walk through the property numerous times before I decided to write an offer. Keep in mind that I have a trained eye for doing this over the last 15 years, so I was confident in buying this property as is. 
"Waiving your inspection signals to the seller that you’re willing to assume all risk."


If you’re looking for properties and feel you need to waive inspections, ask yourself if you’ve trained enough to walk through a property and spot the major details. This way, you can feel confident that everything will be okay if you write ...