STEP 32 – TO SELLING YOUR HOME – SCHEDULE THE CLOSING ON YOUR CALENDAR

A Year of Re-Engagement, Not a Boom Housing forecasts tend to carry emotional weight, especially for longtime homeowners who have lived through whiplash conditions over the past several years. After the urgency of 2020–2021 and the sudden stall that followed, many sellers are understandably cautious about trusting another set of predictions. Beneath the headlines sits a quieter concern: Is this finally the moment the market breaks loose again, or is another disruption waiting just ahead? What makes 2026 different is not optimism, but alignment. For the first time in several years, most major forecasts are describing the same general shape of the market—not overheated, not collapsing, but functioning. That kind of consensus matters because it points to normalization rather than a temporary swing in sentiment. Across nearly every major outlook—from the National Association of Realtors, Realtor.com, Redfin, and regional economists such as Windermere’s chief economist Jeff Tucker—the expectations are strikingly consistent. More listings are expected to come to market. Mortgage rates are projected to ease modestly. Sales activity should rise slightly. Prices are forecast to remain flat or gently higher. This is why 2026 is not best understood as a comeback year. It is a reset year, one where movement returns not because of excitement, but because the system starts working again. National Outlook: The Market Starts Working Again Nationally, existing-home sales are expected to rise modestly in 2026, generally in the low single digits. Even with that improvement, sales volumes will remain well below pre-pandemic norms. This is not a demand problem so much as a turnover problem. Roughly four out of five homeowners with mortgages still hold rates below 6%, which continues to discourage discretionary moves. As a result, transactions in 2026 are expected to be driven primarily by life events—retirement, family changes, job transitions, downsizing—rather than speculation or fear of missing out. Markets shaped by necessity behave very differently from markets driven by urgency, and this distinction is central to understanding the year ahead. Mortgage Rates: Why 6% to 6.3% Is Meaningful Relief Most forecasts place average 30-year mortgage rates in the 6% to 6.3% range in 2026. For homeowners who remember rates starting with a three, that may not sound transformative. But context matters. In 2024 and 2025, rates hovered closer to 6.6% to 7%, with extended periods above 7%. That rapid rise—nearly doubling from early 2022—was the fastest increase in more than 50 years, and it didn’t just slow buyers down. It broke affordability math entirely for many households. A move from the high sixes into the low sixes does not make housing cheap. What it does do is reopen doors that were fully closed. In practical terms, it materially changes monthly payments and purchasing power without requiring prices to fall. In Whatcom County, where a typical home price sits in the mid-$600,000 range, the difference is tangible. At roughly 6.9%, a standard principal-and-interest payment lands around $4,100 per month. At closer to 6.1%, that payment falls nearer to $3,700. That $400 difference does not erase affordability challenges, but it often makes the difference between qualifying and not qualifying, or between stretching uncomfortably and feeling stable. As Andi Dyer notes, “Lower rates won’t bring back the frenzy—but they do make the math workable again, and that’s what allows movement to return.” Over the past 30 years, the average 30-year fixed mortgage rate has hovered around 6.5% to 7%. Seen through that lens, projected 2026 rates are not historically high. The sub-4% years were the anomaly, driven by emergency policy rather than long-term norms. Home Prices: Nominal Stability, Real Improvement Price forecasts for 2026 are among the calmest in recent memory. Nationally, expectations cluster around 1% to 3% appreciation. Locally, forecasts for the broader Puget Sound region lean even flatter. The more important story is real affordability rather than nominal pricing. Inflation and income growth are expected to outpace home price gains, meaning the share of income required for housing is projected to ease. Nationally, that ratio is expected to dip below 30% for the first time since 2022. This shift does not generate dramatic headlines, but it changes behavior. When affordability improves gradually, buyers become more deliberate and sellers must be more precise. Volatility gives way to negotiation, and decision-making becomes less reactive. Inventory: The Quiet Catalyst of 2026 Inventory growth remains one of the most consequential—and least flashy—drivers of change. Across much of Washington, active listings have been rebuilding toward pre-pandemic norms. Homes are taking longer to sell. Buyers have more choices. Sellers face real competition. This is not a distressed market. It is a market where pricing accuracy, preparation, and strategy matter more than timing. Homes aligned with market reality continue to sell. Homes that are not tend to linger until expectations adjust. How Life-Event Selling Shapes the Local Market One reason national forecasts translate more cleanly to Whatcom County than many regions is the nature of local sellers themselves. Most homeowners here are not reacting to financial pressure. They are making planned transitions tied to retirement timing, family needs, lifestyle changes, or long-held intentions to relocate. Life-event sellers behave differently. They tend to prioritize certainty and outcome quality over chasing peak pricing. As a result, price corrections tend to be shallower, inventory builds more gradually, and negotiation replaces volatility rather than panic. As Andi Dyer explains, “This isn’t a market driven by urgency or fear. Most sellers here are moving because their lives are changing, not because the market is forcing them.” That underlying stability is a key reason the 2026 outlook points toward re-engagement rather than disruption. Local Risk Factors: Flood-Affected Sellers Re-Entering the Market While the broader Whatcom County market remains structurally stable, 2026 will likely see a number of homeowners impacted by past flooding in Sumas and Everson choosing to put their homes on the market. For many of these households, the decision is less about current pricing conditions and more about long-term certainty. Flood exposure has introduced ongoing questions around insurance availability, future premiums, and disclosure complexity. Even when properties have been repaired or mitigated, uncertainty around insurability and future risk can weigh heavily on planning decisions. As a result, some homeowners are opting to act sooner, while conditions remain orderly, rather than waiting for insurance rules or buyer sentiment to shift further. This does not represent distress, nor does it signal broader market weakness. Instead, it reflects a practical reassessment of risk by a specific group of sellers—one that may modestly increase inventory in those areas without materially affecting the countywide outlook. Common Misconceptions to Watch For One of the most persistent misunderstandings heading into 2026 is the belief that a “better” market automatically rewards every seller. Normal markets are selective markets. They reward realism rather than hope. Another common misread is assuming that slightly lower rates will recreate the dynamics of 2021. They will not. The conditions that produced that period no longer exist, and that is precisely why the current environment is more stable. Flat pricing is also often misinterpreted as failure. In reality, periods of nominal stability often provide the healthiest conditions for thoughtful decision-making, especially for homeowners with equity and long-term plans. Closing Perspective: A Market That Rewards Clarity For Whatcom County homeowners, 2026 is less about predicting the perfect moment and more about understanding the conditions under which good decisions are made. After years of distortion—first by urgency, then by hesitation—the market is settling into something steadier and more transparent. That does not remove complexity, but it does reduce noise. In a market like this, sellers who plan deliberately, understand their risk, and price with realism are no longer competing against extremes. They are simply meeting a market that has started working again. Sources & Methodology This forecast draws from a synthesis of national and regional housing outlooks, including projections from the National Association of Realtors, Realtor.com, Redfin, and regional economic commentary from Windermere’s chief economist, Jeff Tucker. Rather than relying on outlier predictions, this analysis emphasizes areas of agreement across forecasts. National data is interpreted through a local lens, accounting for Whatcom County’s seller demographics, equity profiles, inventory composition, and historically low levels of distressed sales. Localized risks—such as flood exposure in specific submarkets—are considered for their impact on planning and timing rather than assumed price effects. Press Pull Summary (For Media Use) Headline: Whatcom County’s 2026 Housing Market Signals a Return to Normal Functioning Pull Quote: “Lower rates won’t bring back the frenzy—but they do make the math workable again, and that’s what allows movement to return.” — Andi Dyer, Bellingham real estate broker Summary: According to Bellingham-based real estate broker Andi Dyer, 2026 is shaping up to be a year of re-engagement rather than a boom for the Whatcom County housing market. With inventory gradually rebuilding, mortgage rates easing into the low-6% range, and prices remaining stable, Dyer describes a market that is beginning to function normally after years of disruption. Most local sellers, she notes, are making planned, life-event-driven moves rather than reacting to pressure, creating steadier conditions and more deliberate decision-making across the market. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you’re weighing whether to wait or start planning now, this is a good place to begin: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Real t or.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi.dyer

Selling costs can feel confusing because most people only sell a few times in their life, and costs are not discussed in a consistent, clear way. This often leads homeowners to focus on the offer price and ignore the expenses that shape what they actually keep. The short answer is: selling costs in Washington State include agent compensation, the Washington State excise tax, escrow and title fees, and any negotiated credits or concessions, plus practical moving and transition costs. Some are predictable. Others depend on how the sale unfolds. Why This Matters More in a Balanced Market In a fast market, sellers can sometimes ignore costs because offers feel abundant and forgiving. In a balanced market, the details matter more. Terms, concessions, and the psychology of pricing can influence what you keep. That is why cost planning is not just a closing-day detail. It is part of your listing strategy. The Washington State Excise Tax Deserves Special Attention Many sellers are surprised by the real estate excise tax because it is tied to the sale price and calculated at closing. It is not a small rounding error. It can meaningfully impact net proceeds, especially in higher price ranges. Understanding it early allows you to plan with more realism. It is much easier to make good decisions when you are not surprised later. How Negotiations Affect Costs Selling costs are not only fees. They include the outcome of negotiation. Repair credits, buyer concessions, and terms that shift financial responsibility can change net proceeds even if the sale price looks similar. This is another reason why preparation and pricing accuracy matter. Strong early demand often creates leverage, and leverage often reduces concessions. When Costs Look Different Costs can vary if you are selling a condo, selling an investment property, dealing with multiple liens, or coordinating a purchase. This is also where longtime homeowners often benefit from planning and advice well before listing, especially when the sale intersects with retirement or the desire to simplify. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you’re trying to plan realistically around costs and net proceeds, this is a helpful starting point: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Realtor.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi,dyer For longtime homeowners: Selling a longtime home often intersects with taxes, retirement timing, and lifestyle planning. Getting clarity early tends to preserve options later.

Many homeowners assume that waiting is the conservative choice. If you don’t sell this year, you can always reassess next year. On the surface, that feels cautious and responsible. But for many sellers, “waiting one more year” isn’t a neutral decision. It’s an active choice with trade-offs that are easy to overlook. Why waiting feels comforting Waiting postpones disruption. You don’t have to declutter yet. You don’t have to make decisions about where you’ll go next. You don’t have to engage with the market or expose your home to feedback. In that sense, waiting protects emotional energy. But comfort isn’t the same as clarity. What waiting quietly changes Markets don’t stand still. Neither do personal circumstances. Over time, maintenance costs increase, systems age, and life plans shift. A home that feels manageable this year may feel heavier next year. A move that feels optional now may feel urgent later. Waiting can also compress decision-making. When external factors eventually force action, sellers often have fewer choices and less flexibility. Why this isn’t about predicting the market This isn’t an argument for timing the market. It’s about timing your life. Selling earlier can create options: downsizing on your terms, relocating without urgency, or simplifying before things feel rushed. Waiting can be the right choice too, but it’s best made intentionally rather than by default. Questions that help clarify the decision Instead of asking whether the market will be better next year, it’s often more useful to ask: What would staying another year give me? What would it cost me, financially or emotionally? Would selling sooner make my next chapter easier or harder? These questions tend to surface the real priorities. A planning-forward reframe Waiting isn’t wrong. But waiting without examining the trade-offs can quietly limit options. A steadier approach is to explore scenarios now, even if you decide not to act yet. Information doesn’t force decisions. It usually does the opposite. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you’re weighing whether to wait or start planning now, this is a good place to begin: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Re a ltor.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi.dyer

Many homeowners ask this because they are tired, busy, overwhelmed, or simply realistic. Not everyone has the time or desire to do repairs and upgrades before selling. The good news is that homes are sold as is in Bellingham and Whatcom County regularly. The short answer is: yes, you can sell as is, but your price and your strategy must match the reality of the home. An as-is sale can be smooth and successful when it is positioned clearly. It becomes stressful when expectations are misaligned. What “As Is” Really Means in Practice “As is” means the seller is not committing to making repairs. It does not mean inspections go away. Buyers will still inspect. They will still evaluate risk. They will still decide whether the home fits their comfort level. In practice, as-is works best when it is paired with honesty and strong preparation in other areas: clear disclosures, clean presentation, and pricing that reflects condition. Why Buyers React Strongly to Uncertainty Buyers can handle a fixer. What they struggle with is uncertainty. If a home looks like it might have hidden issues, buyers often assume worst-case scenarios. That does not mean you need to repair everything. It means you should think carefully about what the home communicates. A home that is clean, accessible, and straightforward about condition can feel safer than a home that looks half-finished or poorly maintained. When As-Is Is a Smart Strategy As-is can be ideal when the seller wants simplicity, when repairs would be costly or time-consuming, or when the home’s best buyer is someone who wants to renovate anyway. In those cases, the key is to align the listing strategy with the likely buyer pool. That often includes thoughtful pricing, clear marketing, and a plan for handling inspection conversations without surprise or defensiveness. When As-Is Can Backfire As-is tends to backfire when sellers expect top-of-market pricing while also expecting buyers to absorb visible projects. In a balanced market, buyers have choices. If the home feels like extra work and the price does not reflect that, they often move on. The goal is not to “get away with” selling as is. The goal is to sell as is with clarity and confidence. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you’re considering an as-is sale and want to understand the tradeoffs before you commit to anything, this is a good first step: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Realtor.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi.dyer.com

Many sellers don’t delay selling because they’re unsure about the market. They delay because there’s always one more thing that could be improved. One more project. One more update. One more box to check before the home feels “ready.” This instinct is understandable, but it can quietly keep sellers stuck longer than they intend. Why improvement feels productive Making improvements feels active. It gives a sense of control and progress. Instead of facing the uncertainty of the market, sellers can focus on tangible tasks with clear outcomes. In that sense, improvement can feel safer than exposure. How “almost ready” becomes a moving target The challenge is that “ready” is rarely a fixed point. Once one project is finished, another becomes visible. Homes evolve slowly, and perfection remains just out of reach. Over time, sellers may realize they’ve been preparing for years without moving closer to a decision. When improvements stop adding clarity Some improvements meaningfully reduce buyer hesitation. Others simply make the home nicer to live in while extending the timeline. The difference often lies in whether the improvement changes how buyers perceive value or merely improves comfort for the seller. Why waiting can narrow options Delaying for incremental improvements can compress future choices. Life circumstances change. Maintenance continues. What once felt optional can become urgent. Selling earlier doesn’t mean selling unfinished. It means deciding which “enough” actually serves your goals. A planning-forward reframe Instead of asking, “What else should I fix?” try asking: “What would need to be done for me to feel comfortable listing?” That question often reveals whether improvement is serving clarity or postponing it. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you’re wondering whether one more project is helping or holding you back, start here: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Rea l tor.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi.dyer

Selling a home you’ve owned for a long time is very different from selling a recent purchase. The decisions are heavier, the stakes feel higher, and the ripple effects extend far beyond the transaction itself. That’s especially true right now, as Bellingham’s market continues to shift away from the frantic pace of previous years and into something more balanced and selective. For longtime homeowners, the question is rarely “Can I sell?” It’s “How do I sell well without creating unnecessary stress, risk, or regret?” Why the current market requires more judgment, not more hype In hot markets, speed covers a lot of mistakes. Homes sell quickly, buyers compete aggressively, and imperfect decisions are often forgiven by momentum. That environment rewards agents who focus on volume and visibility. In today’s market, momentum is earned rather than assumed. Buyers are more cautious, more analytical, and less willing to overlook uncertainty. This shift places much greater importance on strategy, preparation, and decision-making — especially for sellers who have significant equity and long-term financial considerations. What homeowners need now is not pressure to act fast, but guidance that helps them act wisely. The importance of protecting equity, not just achieving a sale For longtime homeowners, equity often represents decades of commitment and patience. It may be tied to retirement plans, downsizing decisions, or long-term financial security. Protecting that equity requires more than choosing a list price and hoping for the best. It requires an agent who understands how pricing, preparation, negotiation, and risk management interact. Small missteps — poorly handled inspections, reactive concessions, or misaligned pricing — can quietly erode net outcomes even when a sale technically “succeeds.” Strong representation focuses on preserving value throughout the process, not just at the offer stage. Why communication and pacing matter more than ever Longtime homeowners often need more space to think through decisions. There may be emotional attachment, logistical complexity, or uncertainty about what comes next. An agent who rushes these conversations can create anxiety and resistance rather than clarity. What helps instead is steady, transparent communication. Clear explanations of tradeoffs. Time to absorb information. Guidance that respects the fact that this isn’t just a transaction, but a transition. When sellers feel supported rather than pushed, decisions tend to be stronger and outcomes more satisfying. The value of local, situation-specific experience Bellingham is not a single market. Neighborhoods behave differently. Buyer expectations vary by price range and home type. What works for one property may not work for another, even a few blocks away. Longtime homeowners benefit from agents who understand these nuances and can adapt strategy accordingly. Local knowledge isn’t just about knowing sales data. It’s about understanding how buyers interpret value right now, and how that interpretation should shape decisions. A planning-forward reframe Instead of asking, “Who can sell my house the fastest?” a more useful question right now is: “Who will help me navigate this sale with the least amount of risk and the most confidence?” For longtime homeowners, that distinction makes all the difference. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you’re a longtime homeowner weighing your next move and want thoughtful, low-pressure guidance, start here: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Rea l tor.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi.dyer

Inspection negotiations are one of the most emotionally charged parts of a home sale. Sellers often feel blindsided by requests and worry that the deal is slipping away. The key to navigating inspections successfully is understanding that inspection negotiations are not a judgment of your home, but a normal part of the transaction process . Why inspections feel personal For many sellers, an inspection report feels like a critique of how they’ve cared for their home. In reality, inspection reports are designed to identify issues, not assign blame. Nearly every inspection uncovers something. That doesn’t mean the sale is in trouble. How buyers typically approach inspections Buyers use inspections to understand risk. Some focus on safety issues. Others focus on major systems. Very few expect perfection. Requests often reflect buyer comfort levels rather than absolute necessity. What sellers can reasonably expect Not every request requires action. Some items are informational. Others may be reasonable to address or negotiate through credits. Understanding which requests are typical and which are outliers helps sellers respond calmly instead of defensively. Why preparation matters here too Sellers who have a clear understanding of their home’s condition before listing tend to feel more confident during inspections. They are less surprised and better able to decide what they are willing to do. A calmer way to approach inspection negotiations Instead of reacting to the list, it helps to ask: “Which items truly affect safety, function, or buyer confidence?” That perspective leads to better decisions and keeps negotiations focused. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you want to understand inspection negotiations before you’re in the middle of one, start here: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Realtor.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi.dyer

When a home goes under contract, many sellers assume the deal is done. But experienced sellers know that transactions don’t close until they close. This is where backup offers can play an important role. A backup offer is an additional offer that takes effect if the primary contract falls apart. Understanding how they work can give sellers more security and leverage. Why deals sometimes fall through Even strong contracts can fail. Financing issues, inspection disagreements, appraisal problems, or buyer hesitation can all derail a transaction. This isn’t always a reflection of the home or the seller. It’s part of real estate reality. Backup offers exist because of this uncertainty. How backup offers protect sellers Having a backup offer keeps momentum on your side. It signals to the primary buyer that there is continued interest, which can reduce the chance of aggressive renegotiation. If the first deal does fall apart, a backup offer can allow the transaction to continue without going back to market, saving time and stress. When backup offers are most useful Backup offers are especially helpful in balanced markets where buyers are cautious. They provide insurance without forcing a decision. They can also be useful when sellers are coordinating a purchase or want to avoid re-listing and restarting the showing process. What sellers should consider before accepting a backup  It’s important to understand the terms of the backup offer, including timing and contingencies. Not all backups are equal. Some are stronger than others. A thoughtful review helps ensure the backup truly adds security rather than complexity. A planning-forward perspective Backup offers aren’t about mistrust. They’re about realism. Having a plan B often makes plan A stronger. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you want to understand how backup offers fit into your overall strategy, start here: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Realtor.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi.dyer

This question comes up because flooring sits right at the intersection of money, effort, and buyer psychology. You can live with worn carpet for years without thinking twice, but buyers experience it in a single walk-through, often while they are comparing three other homes that day. Flooring is one of the few features buyers literally feel underfoot, and that sensory experience affects their perception faster than most sellers expect. The short answer is that replacing carpet usually creates a cleaner, easier “yes” for buyers , while an allowance can work in certain situations but often introduces uncertainty that reduces urgency . The right choice depends on your home’s condition, your price range, and how buyers are behaving in your corner of the Bellingham and Whatcom County market. Why Flooring Has Outsized Impact Buyers make snap judgments at the entry and in the main living areas. Dated or stained carpet can quietly communicate “project,” even if the home is otherwise well-maintained. That mental shift matters because it changes how buyers negotiate. Once they view the home as a project, they start protecting themselves by mentally discounting their offer, adding contingency concerns, or planning future hassle. In a balanced market, buyers have more options. When they have options, they gravitate toward homes that feel easy. Flooring plays a big role in “easy.” Why Replacing Carpet Often Works Better Than Sellers Think Replacing carpet is rarely glamorous. It can feel annoying because it’s not a fun upgrade. But it often pays off because it removes a common reason buyers hesitate. New, neutral carpet can make the home feel brighter and more cared for, even if nothing else changes. It also helps photos look cleaner, especially in bedrooms and lower-light areas. That matters because the first showing is online now. If photos subtly signal “worn,” fewer buyers click, and fewer clicks means fewer showings, which can lead to a longer time on market. Replacing carpet also reduces negotiation friction. Buyers are less likely to ask for credits or concessions when the home feels move-in ready. Why Allowances Sound Good and Sometimes Underperform Flooring allowances feel logical from the seller side. You don’t have to spend money upfront, and the buyer can choose their style. The challenge is that buyers rarely value allowances at face value. Buyers often discount allowances because they are thinking about: The time and coordination required after closing The risk of surprises under the carpet Whether the allowance amount will actually cover replacement The inconvenience of moving furniture and living around a project Even when none of those risks are real, the perception of risk changes behavior. In practice, allowances can sometimes attract buyers who want to customize finishes. But they can also reduce urgency among buyers who prefer clarity, especially when those buyers have other options. When an Allowance Can Be the Smarter Choice There are times an allowance can make sense. If replacing the carpet would delay listing significantly, or if the carpet is dated but still clean and functional, an allowance can be a reasonable strategy. Allowances also make more sense when the home is already positioned as having opportunities for personalization, and the pricing reflects that. The mistake is offering an allowance while still pricing the home like it is fully updated. That combination often causes buyers to feel like they are paying top-of-market while also inheriting work. The Decision That Usually Produces the Best Outcome The best question is not “Which option costs less?” The best question is: Which option makes it easiest for the right buyer to say yes without hesitation? If worn carpet is one of the only visible distractions, replacing it may produce a stronger outcome than you’d expect. If the home is already a project, an allowance may fit the overall strategy. Either can work. The goal is to align the choice with your pricing, your timeline, and what buyers in your market segment are responding to right now. ABOUT THE AUTHOR Andi Dyer is a Bellingham-based real estate broker with RE/MAX Whatcom County, specializing in helping longtime homeowners and sellers make confident, well-informed decisions. With a calm, data-driven approach and strong negotiation expertise, Andi focuses on protecting equity, reducing stress, and guiding sellers through the process with clarity and care. 📍 Serving Bellingham and all of Whatcom County 📞 Call or text: 360 • 734 • 6479 📧 Email: andi [at] andidyer [dot] com If you’re weighing improvements and want to choose what actually supports your sale, start here: 👉 Start with a low-pressure home value and seller planning tool here: https://www.andidyerrealestate.com/seller/valuation/ Zillow: https://www.zillow.com/profile/AndiDyer Realtor.com: https://www.realtor.com/realestateagents/andi-dyer Homes.com: https://www.homes.com/real-estate-agents/andi-dyer Google Business Profile: https://g.page/andi-dyer-real-estate Facebook: https://www.facebook.com/AndiDyerRealEstate Instagram: https://www.instagram.com/andi.dyer