An "Expert" is someone who has a special skill or knowledge derived from either training OR experience.

Non-experts will say the real estate business so easy, why pay real estate companies so much money to sell your home?

What these people don't see is how someone with expertise can make the difference between a completed sale and a transaction that fell apart.

With enough experience, a real estate expert can even see trouble coming and head it off at the pass.

The following is a list of just some of the things that can go sideways in a real estate transaction:


The Buyer/Borrower:

1. Does not tell the truth on the loan application.

2. Submits incorrect information to the Lender.

3. Has recent late payments on their credit report.

4. Didn't disclose additional debt after loan application.

5. Borrower loses job.

6. Co-borrower loses job.

7. Income verification lower than what was stated on loan application.

8. Overtime income not allowed by underwriter for qualifying.

9. Applicant makes large purchase on credit before closing.

10. Illness, injury, divorce or other financial setback during escrow.

11. Lacks motivation.

12. Gift donor changes mind.

13. Cannot locate divorce decree.

14. Cannot locale petition or discharge of bankruptcy.

15. Cannot locate tax returns.

16. Cannot locale bank statements.

17. Difficulty in obtaining verification of rent.

18. Interest rate increases and borrower no longer qualifies.

19. Loan program changes with higher rates, points and fees.

20. Child support not disclosed on application.

21. Borrower is a foreign national.

22. Bankruptcy within the last two years.

23. Mortgage payment is much higher than the previous payment.

24. Borrower does not have steady two-year employment history.

25. Borrower brings in handwritten pay stubs.

26. Borrower switches to job with a probation period.

27. Borrower switches from salary to 100% commission income.

28. Borrower/co-borrower/seller dies.

29. Family members or friends do not like the home that the buyer chooses.

30. Buyer is too picky about properly in price range they can afford.

31. Buyer feels the house is misrepresented.

32. Veterans DD214 form not available.

33. Buyer comes up short of money at closing.

34. Buyer does not properly "paper trail" additional money that comes from gifts, loans, etc.

35. Buyer docs not bring cashier's check to title company for closing costs and down payment.

The Seller:

36. Loses motivation to sell (job transfer does not go through, reconciles marriage, etc.).

37. Cannot find a suitable replacement property.

38. Will not allow appraiser inside home.

39. Will not allow inspectors inside home in a timely manner.

40. Removes property that the buyer believed was included.

41. Cannot clear up liens—is short on cash to close.

42. Did not own 100% of property as previously disclosed.

43. Encounters problems getting partners' signatures.

44. Leaves town without giving anyone Power of Attorney.

45. Delays the projected move-out date.

46. Did not complete the repairs agreed to in contract.

47. Seller's home goes into foreclosure during escrow.

48. Misrepresents information about home or neighborhood.

49. Does not disclose all hidden or unknown detects and they are subsequently discovered.

   50. Builder miscalculates completion date of new home.

   51. Builder has too many cost overruns.

52. Final inspection on new house does not pass.

53. Seller does not appear for closing and won't sign papers.

The Agents or Brokers:

54. Have no client control over buyers or sellers.

55. Delays access to property for inspection and appraisals.

56. Unfamiliar with their client's financial position—do they have enough equity to sell, etc.

57. Does not get completed paperwork to the Lenders in time.

58. Inexperienced in this type of property transaction.

59. Takes unexpected time off during transaction and can't be reached.

60. Misleads other parties to the transaction—has huge ego.

61. Does not do sufficient homework on their clients or the properly and wastes everyone's time.

The Property:

62. County will not approve septic system or well.

63. Termite report reveals substantial damage and seller is not willing to fix or repair.

64. Home was misrepresented as to size and condition.

65. Home is destroyed prior to closing.

66. Home not structurally sound.

67. Home is uninsurable for homeowners insurance.

68. Property incorrectly zoned.

69. Portion of home sits on neighbor's properly

70. Unique home and comparable properties for appraisal difficult to find.

The Escrow/Title Company:

71. Fails to notify lender/agents of unsigned or unreturned documents.

72. Fails to obtain information from beneficiaries, lien holders, insurance companies, or Lenders in a timely manner.

73. Lets principals leave town without getting all necessary signatures.

74. Loses or incorrectly prepares paperwork.

75. Does not pass on valuable information quickly enough.

76. Does not coordinate well, so that many items can be done simultaneously.

77. Makes small problems a huge stumbling block.

78. Finds liens or other title problems at the last minute.

The Appraiser:

79. Is not local and misunderstands the market.

80. Is too busy to complete the appraisal on schedule.

81. No comparable sales are available.

82. Is not on the Lender's "approved list."

83. Makes important mistakes on appraisal and brings in value too low.

84. Lender requires a second or "review" appraisal.


85. Pest inspector not available when needed.

86. Pest inspector too picky about condition of properly

87. Home inspector not available when needed.

88. Inspection reports alarm buyer and sale is cancelled.


We've experienced all 88 things in our long 35+ year career and we have developed a strategy to deal with every one.

This is similar to an airplane pilot who has one of the engines stop working while in flight. Through experience and training the pilot has a strategy to land the airplane with one less engine.

It's about the same with us. If one of the 88 things mentioned above creates turbulence, we more than likely will have solutions which may safely land your transaction.

How much is it worth to you to have a knowledgeable expert guide the marketing and then the sale of your home? It's worth a lot.

In the world of real estate, just like in other professions, you get what you pay for.

A great real estate broker will make you MORE money so their fees are MORE than justified.

If you'd like to explore the secrets to improving your odds of a fast home sale for top market value, please call us today at 916.682.6454.

P.S. A huge part of a home sale is how you feel the sale will make your life better. If that's not clearly in mind, you may not be willing to do the work to make it happen. So, think deeply about your purpose in life and be certain that your home sale is "on purpose" for you. When you choose to work with us, we'll give you the information you need in order to make a wise decision.

Coleen and David Jurewicz, REALTORS(r) RE/MAX Gold (00661096,00826558)