60 Reasons to Pick Your Selling Realtor Carefully
By Jim Bilbao

Want These Problems? We sure don't! Professionals avoid problems. We have the experience, discipline and acumen to solve them, too.

Your Home

• Home has minor flaws
• Has aesthetic flaws that dont photograph or show well
• Engineer/Appraiser will not approve roof, siding, septic system, well, etc.
• Home is misrepresented in county records regarding size and condition
• Home is damaged or destroyed between contracting and closing
• Home is not structurally sound, requires feasibility studies
• Home is not insurable by VA or commercial insurer, needs work
• Property is incorrectly zoned, or not fully permitted
• Neighborhood is a problem
• Home sits partially on neighbors property
• Because of home's uniqueness, comparables for appraisal are difficult to find

Your Market & Marketing

• Your home is not being looked at on line
• Your home is not being visited by agents/prospects
• Prospects drive by but dont come in
• Prospects dont drive by
• A suspected thief/criminal is identified as operating in your area
• The market slows/accelerates after you list making you less/more competitive
• Your neighbor lists their home becoming your competitor/collaborator
• The mortgage market changes making your home easier/harder to finance
• Regulators change how you have to make disclosure about your property
• New technology/service changes how to market your home on the Internet

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Escrow and Title Company

• Does not find liens or any title problems until last minute
• Fails to notify lender/agents of unsigned or returned documents
• Fails to get information from beneficiaries, lien-holders, insurance companies, or lenders on time
• Loses or incorrectly prepares paperwork
• Does not pass on critical information quickly enough for buyer reaction
• Does not coordinate well, so multiple items can be done simultaneously
• Does not bend the rules on small problems

Appraisers

• Is not local and misunderstands the market
• Is too busy to complete appraisal on schedule or on site
• Is not on the lenders approved list
• Makes important mistakes on appraisal and brings in home value too low
• Lender requires a second appraisal

Inspectors

• Too picky with conditions and scares the buyer
• Infuriates sellers
• Not available when needed to re-inspect
• Issues Inspection Report too slowly for reaction
• Inspection report alarms buyer and sale is canceled
• Misrepresents a feature or condition, misses a home defect

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Buyer's Capability

• Submits incorrect information to lender; undisclosed debts or obligations
  
• Inadequate employment history, pay stubs, rent roll, other disallowed income
• Bankruptcy within two years
• Has recent late payments on credit report
• Makes large purchase on credit card before closing
• Illness, divorce or other financial setback occurs during escrow
• Cannot locate divorce decree, petition or discharge of bankruptcy, tax returns,
• Takes new job before closing, changing borrowing qualification
  
• Co-borrower dies, loses job
• Gift donor changes mind, backs out.
• Interest rate/programs change -- increasing rates, points or fees -- disqualifies borrower
• Mortgage payment is over double the previous payment level
• Spends money needed for down payment/closing, lacks funds to close, lacks paper trail of gifts
  
• Does not bring cashiers check to title company for closing costs and down payment

Buyer's Realtor

• Has no control over client (sellers or buyers)
• Delays access to property for inspection, appraisal, work orders
• Does not get paperwork completed wasting time
• Completes paperwork incorrectly wasting time
• Inexperienced in this type of property transaction
• Unfamiliar with clients finances do they have enough equity to sell, buy, etc.
• Unexpectedly takes time off during property transaction, cant be reached
• Does not do homework on clients or the property and wastes everyones time

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