Hi Norma...it belongs or maybe belonged to a co-worker's sister...not sure if it sold yet. I'm pretty sure that she won't see your post anyway. Cindy's number is in the second post if you want to call her. Pam

So you got a quote based on information you provided including the square footage that you probably got from the listing. Once the application was bound and evidence of insurance supplied to your lender an inspection of the property was performed by your insurance company. They came up with something different than you originally were quoted with. If you have your appraisal from your lender, check the cost approach and look at the cost of replacement and compare that to the dwelling coverage you currently have. They should be relatively close. You can shop, another inspection by another insurance company will be done and they may actually come up with yet another number. If you don't agree with your insurance agent, provide the appraisal so they can compare. The inspectors do make mistakes, I've even seen them do the wrong home. Heck, my inspector did my neighbors home.

Hi, AzMom...just saw this! I'm sorry, but a family member has been recovering from surgery. Here, the agent I use has a Fee for Service package that includes a 6 month listing with 24 photos on the MLS system (the real one!), 3 signs (including directional), all standard Realtor documents transmitted in the customary way by Docusign, and all the reasonable help and advice you might need for $800, and a nominal fee paid at closing (which she attends, of course). Or if you need less help, and only 8 photos -which I would never recommend, as photos are important - she does the listing for $500 + the nominal fee paid at closing. Of course, you need to pay the buyer agent something, and feel compelled to offer the standard ridiculously high 3.5% here. So essentially, you are saving nearly half of the commission, less the up front money indicated above. Without exception, she has been far more capable and knowledgeable than any Buyer agent with whom we dealt, by far. Maybe that is why she has a booming business and tons of referrals. I'm sure there is someone like that in your area too.

I know this is not the advice you are looking for, but I am not sure you are a great candidate for FSBO. Unless this is rental property and is generating income while you sell it, it will not take long for your $900 per month payment to eat into any benefit from FSBO'ing. Serious buyers contact realtors, so it is great that you are willing to pay the buying realtor's commission, but by doing so you have removed half the reason to FSBO. In return for not using a listing agent, you have limited the buyer pool significantly. In the end, slower selling and less interest will probably result in a lower price, added to the fact that you were only saving $5,400 to begin with and paying $900 per month, it will not take long for the benefit to become a cost. Finally, and most importantly, forget profit. On a home profit is really a function of how good a deal you got on the house when you bought it. The house is worth, what it is worth and how much of that goes into your pocket depends on what you owe on it. Yes I do realize that houses are worth slightly different amounts to every buyer, you still handicap yourself by thinking of profit when setting the price. Instead forget the past and think only of what you can take and what your life will be like if take that amount. When a buyer offers an amount that exceeds what you set as the amount that will make your life better, take it. Whether you make $100,000 or lose $100,000.