Step 30 to Selling Your Home – The Appraisal Occurs

Andi • March 6, 2023

If the Buyer is using a mortgage to buy your home, then the Lender will require that an appraisal be conducted. 

Who Orders the Appraisal?

The Buyer’s Mortgage Lender orders the appraisal, but the Buyer pays for it.

When Does the Appraisal Occur?

Usually, during weekday hours after the inspection negotiation has been resolved.

Do I Need to Attend the Appraisal?

No, you will not attend the appraisal. I will provide the comps and state our case as to why we think the
purchase price is justified to the appraiser.

How Long Does the Appraisal Take?

Usually about 30 minutes.

How long until we know if the property appraised for the purchase price?

Usually, a week to 10 days after the appraisal appointment. Once the report is written, the Buyer’s Mortgage Lender forwards it to the Buyer to let the Buyer know whether the property appraised
at the purchase price, below the purchase price, or above the purchase price. If the property appraised at the purchase price, nothing further needs to be done, and the closing process will proceed forward as planned. 

How Home Appraisals Work By: SARAH SIDDONS  |   Feb. 22, 2021

You’ve found your dream home. The asking price is $700,000 — an amount you’ve already been pre-approved for by your bank. But is the home really worth that amount? That’s the question at the heart of the home appraisal. The worth, or value of the property, will determine how much a lender is willing to give you to buy that particular piece of real estate.

This all-important step in getting the financing you need is the home appraisal — an oftentimes-confusing part of the mortgage process in which both buyer and seller must depend on the expert opinion of a stranger. A real estate appraisal is simply that — the expert opinion of a certified, state-licensed professional who determines the value of a piece of property. If your $700,000 dream home is really worth only $600,000, then the home is overpriced.

A home appraisal also protects the bank from getting stuck with property that’s worth less than they’ve invested. And it protects you from paying too much for a house simply because it was love at first sight. The home appraisal is a no-nonsense factor in a decision that is often emotional for the buyer.

A home appraisal is not the same thing as an inspection. If you’re buying a home, you’ll want to hire an experienced home inspector to point out any potential problems that could turn into costly nightmares in the future. Property appraisers will likely make note of any obvious issues, but they won’t test your heat and air, check the chimney, or determine if your plumbing is up to code. That’s the job of the inspector.In this article, we’ll take a look at the methods appraisers use to value property and find out what’s included in the appraisal report. We’ll debunk some common myths — for example, will dirty dishes in the sink affect your home appraisal? What about a wet basement? We’ll find out where the appraiser gets the information that determines the value of the property. And, if you get a low appraisal, what happens next?

Home Appraisal Methods

When you apply for a mortgage, your lender typically requires the property to be appraised by one of their approved appraisers. This practice helps create more consistent appraisals and gives you assurance that the appraiser is properly licensed and certified. Even though the home appraisal is the lender’s requirement, it’s the borrower’s responsibility. You usually pay for it as part of the mortgage costs at the time of closing. The cost is typically around $900 but can be more depending on the price of the property.

There are two primary appraisal methods for residential property. In the  sales comparison approach,  the appraiser compares the property with three or four similar homes that have sold in the area, often called  comparables , or  comps . The analysis considers specific components, such as lot size, square footage of finished and unfinished space, style and age of the house, as well as other features such as garages and fireplaces.

The  cost approach  is used more for new property and is based on reproduction costs. The appraiser estimates the cost to replace the structure on the property if it were destroyed. The appraiser then looks at land value and depreciation to determine the property’s worth.

The appraiser gathers information for the appraisal report from a number of sources, but the process often begins with a physical inspection of the property inside and out. Additionally, the appraiser may look at county courthouse records and recent reports from the local real estate multiple listing service.

The appraisal report generally includes:

  • an explanation of how the appraiser determined the value of the property
  • the size and condition of the house and other permanent fixtures, along with a description of any improvements that have been made and the materials used
  • statements regarding serious structural problems, such as wet basements and cracked foundations
  • notes about the surrounding area, such as new or established development, rural acreage, and so on
  • an evaluation of recent market trends of the area that may affect the value
  • a comparative market analysis that supports the appraisal
  • maps, photographs, and sketches

To learn more about what’s included in the report, take a look at this property appraisal form from Freddie Mac, the second biggest provider of residential mortgages. If you have questions about any aspect of the appraisal, ask the appraiser for clarification.

A common misunderstanding is that the appraisal amount is only for the house itself. In fact, the figure appraises the total value of the home and any other permanent structures, along with the land that the house is built on. This appraisal figure also determines the loan amount you can get to buy the property.

Now you learn that your dream home is valued at $649,000 — a full $51,000 lower than the asking price! Your lender won’t loan more than the appraisal. So what do you do?

Recovering From a Low Appraisal

An appraisal of $649,000? The home seller learns that his $700,000 asking price is much higher than the actual property value. If you are the buyer, this figure means that the amount you can finance on the property is much lower than you expected. An appraisal value that is considerably lower than what you have offered should be a red light — a warning that you may be paying too much for the property. So is the deal over? Is it time to panic and throw in the towel? Can anything be done?

First, take a look at what may have caused the low appraisal. It might be due to factors that the homeowner could correct, such as repairs or maintenance. If that’s the case, the appraiser may be willing to take a second look and adjust the appraisal accordingly.

You always have the option to order a second appraisal. This may be a good idea if the first appraiser is inexperienced or unfamiliar with the area where the property is located. However, be sure to use an appraiser from a list recognized by the lending institution. It’s possible that a second appraisal will uncover mistakes the first appraiser made. If you believe that an appraisal is simply not an accurate representation of the property’s value, and the appraiser is not willing to listen to your concerns, you can go to your state’s licensing agency for appraisers and file a complaint.

From the lender’s standpoint, however, the mortgage transaction is at a standstill until something else happens. Perhaps the seller will lower the asking price or carry a second mortgage to make up the difference. Or, as the homebuyer, you may be willing to increase your cash down payment. It’s possible that both buyer and seller can negotiate compromises that will satisfy the lender.

If, however, negotiations fall through and the appraisal is still too far below what the bank is willing to finance, then there’s no choice but to cancel the transaction. You probably signed a purchasing contract stating your offer for the property, but it likely contains a loan contingency. This is a statement that allows you to cancel the contract and receive any deposit you paid the seller if you can’t qualify to buy the property at the agreed terms.

A home appraisal is more than just another cost added to the buyer’s bottom line. It’s a protection for everyone involved in the home-buying process. It will help you make a more informed decision about purchasing a home.

Questions? Contact us at andi@andidyer. com or 360-734-6479.

This content is not the product of the National Association of REALTORS®, and may not reflect NAR’s
viewpoint or position on these topics and NAR does not verify the accuracy of the content.
Copyright © 2022 Andi Dyer and Sterling Real Estate Group. All rights reserved.

Why Selling a Home Often Feels Like Closing a Chapter, Not Just a Transaction

By Andi Dyer • February 8, 2026
Even sellers who are excited about what’s next are often surprised by a sense of finality when selling. It’s not sadness exactly. It’s reflection. Selling a home marks the end of a chapter, whether it was a good one, a hard one, or both. Why this feeling catches people off guard Most people prepare financially and logistically. Few prepare emotionally. The realization that this phase of life is ending often arrives late in the process. That can feel unsettling, even when the decision is right. How memories surface during selling Packing, cleaning, and showing the home often bring up moments you hadn’t thought about in years. These memories don’t mean you’re second-guessing. They mean you’re integrating the experience. Acknowledging that process helps prevent emotional whiplash. Why honoring the chapter matters Sellers who allow themselves to reflect tend to transition more smoothly. They don’t rush past the meaning of the home or dismiss their own feelings. Closure doesn’t require ceremony. It requires recognition. How this awareness affects decisions When sellers recognize the emotional layer, they’re less likely to overreact to small issues or feedback. They approach decisions with more patience and self-compassion. That steadiness often improves outcomes. A planning-forward reframe Instead of asking, “Why does this feel heavier than I expected?” try asking: “What has this home represented in my life, and what am I ready to make room for next?” That question often brings peace. 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 navigating the emotional side of selling and want a steady, thoughtful approach, you can 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

How to Decide What to Do With Your Equity After You Sell

By Andi Dyer • February 7, 2026
Equity is often talked about like a number on paper, but once you sell, it becomes something much more tangible. It turns into options, responsibility, and sometimes pressure. Many sellers are surprised by how emotional this stage feels. Why equity decisions feel heavy Equity represents years of work, sacrifice, and patience. Once it’s realized, there’s often a sense that you need to “do something smart” with it right away. That pressure can lead to rushed decisions or unnecessary stress. Common paths sellers consider Some sellers use equity to reduce monthly expenses. Others reinvest, support family, or hold funds while deciding what’s next. None of these paths are inherently right or wrong. What matters is alignment with your priorities and risk tolerance. Why “doing nothing” is sometimes a valid choice Holding equity in a safe place while you think is not wasted time. It’s often how clarity forms. Rushing to redeploy funds can feel productive but may create regret later if decisions aren’t well-considered. The importance of separating advice from obligation Well-meaning people may have strong opinions about what you should do with your equity. Those opinions often reflect their values, not yours. Your equity should support your life, not someone else’s expectations. A planning-forward reframe  Instead of asking, “What should I do with this money?” try asking “What do I want this equity to make easier?” That question tends to lead to calmer, more intentional choices. 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 thinking ahead about how a sale could support your next chapter, 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

What Sellers Should Know About Home Warranties in a Bellingham Sale

By Andi Dyer • February 6, 2026
Home warranties are often misunderstood. Some sellers view them as unnecessary. Others assume they solve every post-closing issue. In reality, a home warranty is a limited tool that can be helpful in the right context and disappointing in the wrong one. Understanding what a home warranty does — and doesn’t — do can help sellers decide whether offering one makes sense. What home warranties are designed to do Home warranties typically cover certain systems and appliances for a limited time after closing. They are meant to reduce anxiety around unexpected failures, not to guarantee a problem-free home. They are not substitutes for inspections or repairs. Why warranties sometimes help negotiations In some situations, a warranty can help bridge a gap. Buyers may feel more comfortable moving forward when they know there’s a safety net for early surprises. This can be especially helpful when systems are older but functioning, and replacing them pre-listing doesn’t make sense. Common misconceptions sellers should avoid Home warranties don’t cover everything, and they often include deductibles, exclusions, and service call limitations. Offering one doesn’t eliminate the need for honest disclosure or appropriate pricing. When sellers expect a warranty to replace negotiation, disappointment often follows. When a warranty may not add value In homes with newer systems, or where buyers are highly informed and confident, a warranty may not influence decisions at all. In those cases, it’s simply an extra line item without impact. A planning-forward reframe Instead of asking, “Should I offer a warranty?” ask: “Does this meaningfully reduce buyer hesitation in my situation?” That answer determines whether it’s worth including. 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 whether a home warranty would help 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 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

How to Plan a Smooth Move After Selling Your Bellingham Home

By Andi Dyer • February 4, 2026
Once a home sale is underway, many sellers realize that moving logistics deserve as much planning as the sale itself. Even a well-negotiated transaction can feel stressful if the move is rushed or disorganized. The good news is that most moving stress is preventable with early planning and realistic timelines. Why moving feels harder than expected Selling a home already involves emotional and logistical work. Layering a move on top of that can amplify stress, especially if timelines feel tight or uncertain. Many sellers underestimate how long it takes to sort belongings, schedule movers, and coordinate utilities. When these steps are delayed, pressure builds quickly. How early planning changes the experience Planning your move early gives you flexibility. You can compare movers, choose dates that work for you, and avoid peak pricing periods. You can also build in buffer time in case closing timelines shift slightly. Early planning also helps with decision-making. Knowing where you’re going and when reduces last-minute scrambling. Coordinating the move with closing Closing dates are usually known weeks in advance, but they can still move slightly. It helps to plan your move with a small buffer rather than scheduling everything tightly around a single date. This flexibility can make the difference between a smooth transition and a stressful one. Downsizing and transitions For sellers downsizing or moving to a lower-maintenance home, moving is often part of a larger lifestyle shift. Giving yourself time to adjust emotionally and practically can make the transition feel more intentional. A calmer way to approach the move Instead of viewing moving as the final hurdle, see it as the bridge between chapters. Planning it thoughtfully helps close one chapter with less stress and open the next with 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 planning a move and want help coordinating the timing with 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

What Sellers Should Know About Title, Escrow, and Closing in Whatcom County

By Andi Dyer • February 3, 2026
The final stage of a home sale is often described as “just paperwork,” but for many sellers, it’s where questions and anxiety resurface. Title, escrow, and closing each play distinct roles, and understanding them helps the finish line feel calmer. What title and escrow actually do Title ensures that ownership can be transferred cleanly. Escrow acts as a neutral third party that holds documents and funds until all conditions are met. Neither exists to complicate the process. Their role is to protect everyone involved. Common questions sellers have at this stage Sellers often wonder when documents need to be signed, how funds are distributed, and what happens if something unexpected appears on the title report. These questions are normal. Most issues are resolved routinely and don’t affect closing timelines. Why the final days can feel tense After weeks or months of preparation, sellers are often emotionally ready to be done. Small delays or last-minute requests can feel outsized. Understanding what’s typical helps prevent unnecessary worry. What sellers can expect at closing Once all conditions are satisfied, documents are signed, funds are disbursed, and ownership transfers. The exact sequence varies slightly, but the process is designed to be orderly and secure. A planning-forward reframe Instead of viewing closing as a cliff, it helps to see it as a handoff. The work you’ve done earlier in the process is what allows closing to feel smooth. 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 a clear picture of what the closing phase will look like for 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

What Sellers Should Know About Buyer Financing Types in Bellingham

By Andi Dyer • February 2, 2026
Not all offers are created equal, even at the same price. One of the biggest differences between offers is how the buyer plans to finance the purchase. Understanding financing types helps sellers evaluate certainty, risk, and potential friction before accepting an offer. Why financing matters to sellers Financing affects appraisal requirements, timelines, and the likelihood of closing. Some loans are more flexible. Others come with stricter guidelines. For sellers, financing isn’t about judging buyers. It’s about understanding how each offer may behave once under contract. Common financing types you may see Conventional financing is the most common and often offers flexibility. Government-backed loans can be excellent options for buyers but may involve additional requirements. Cash offers eliminate financing risk entirely, but they don’t always guarantee the highest net outcome. Terms still matter. How financing influences negotiations Some financing types are more sensitive to appraisal and condition. Others allow buyers more room to absorb surprises. This doesn’t mean one type is “good” and another is “bad.” It means sellers should evaluate how financing aligns with the home’s condition and pricing. Timing considerations Different loans close at different speeds. If timing matters to you, financing type can affect how smoothly the process unfolds. Clear expectations upfront reduce stress later. A planning-forward reframe Instead of focusing only on price, it’s often helpful to ask: “Which offer gives me the highest confidence of closing on the timeline I want?” That lens keeps decisions grounded. 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 comparing offers and want help understanding how financing affects risk, 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

What Sellers Should Know About Contingencies in a Bellingham Home Sale

By Andi Dyer • February 1, 2026
Contingencies are one of the most misunderstood parts of selling a home. They often sound abstract or legalistic, but in practice, contingencies are simply conditions that must be satisfied for a sale to move forward. Understanding contingencies helps sellers evaluate risk clearly rather than reacting emotionally when offers arrive. What contingencies actually do Contingencies give buyers specific opportunities to investigate or confirm aspects of the purchase, such as inspections, financing, or appraisal. They are not inherently negative. They are a normal part of most transactions. For sellers, contingencies define when and how a buyer can walk away without penalty. Knowing this helps you understand how solid an offer truly is. Common contingencies sellers encounter Inspection contingencies allow buyers to assess the home’s condition. Financing contingencies protect buyers if their loan cannot be finalized. Appraisal contingencies address lender valuation. Each contingency carries a different level of risk and timeline. Some are straightforward. Others require more patience and communication. Why fewer contingencies aren’t always better It’s tempting to assume that fewer contingencies automatically mean a stronger offer. Sometimes that’s true. Other times, a buyer with fewer contingencies may be stretching financially or skipping protections that later resurface as stress. The goal is not eliminating contingencies, but understanding which ones matter most given your priorities. How contingencies affect leverage Contingencies shift leverage at different points in the transaction. Early on, sellers often have more leverage. During inspections or appraisal, that balance can shift temporarily. Knowing when leverage changes helps sellers respond calmly instead of feeling surprised. A planning-forward reframe Instead of asking, “How many contingencies are there?” ask: “Which contingencies am I comfortable with given my goals and timeline?” That question keeps the focus on alignment rather than fear. 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 reviewing offers and want help understanding how contingencies affect your risk, 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

What Sellers Should Know About Emotional Attachment When Selling a Home

By Andi Dyer • January 30, 2026
Emotional attachment is one of the least discussed but most powerful factors in a home sale. It influences pricing, reactions to feedback, and how sellers experience the process overall. Acknowledging that attachment exists doesn’t weaken your position. It strengthens it. Why emotional attachment is normal Homes are not just assets. They’re places where life happened. Expecting to feel neutral about selling is unrealistic, especially for longtime homeowners. The challenge isn’t attachment itself. It’s letting attachment quietly drive decisions without awareness. How attachment can affect decisions Emotionally attached sellers may resist market feedback, overreact to buyer comments, or feel personally criticized during inspections. These reactions are understandable but can create unnecessary friction. Recognizing these patterns early helps keep decisions grounded. Separating meaning from strategy One helpful approach is separating what the home means to you from how buyers will evaluate it. Buyers are comparing options. They’re not evaluating your memories or care. Holding both truths at once allows you to honor the past without letting it complicate the present. A calmer way to move forward Instead of trying to suppress emotion, it helps to plan around it. Build in time, support, and space for decisions. When emotional reality is acknowledged, selling often feels less draining and more intentional. 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 guidance that respects both the emotional and practical sides of selling, 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

How Selling a Longtime Home Is Different Than Selling a Recent Purchase

By Andi Dyer • January 29, 2026
Selling a home you’ve lived in for decades feels different than selling a place you bought a few years ago. The process may look similar on paper, but emotionally and practically, it often isn’t. Understanding those differences can make the experience feel more manageable and less overwhelming. Why longtime homes carry more complexity Longtime homes hold memories, routines, and personal history. Decisions about repairs, pricing, and timing can feel more personal because the home has been part of your identity for so long. There’s also often more accumulated “stuff,” deferred decisions, and uncertainty about where things should go next. How preparation tends to take longer Preparing a longtime home often involves more sorting, downsizing, and decision-making. This isn’t a sign of procrastination. It’s a natural part of closing one chapter and opening another. Giving yourself enough time for this stage reduces stress later. Why pricing can feel harder Longtime homeowners sometimes anchor to past values or to what the home “should” be worth based on effort and care. Buyers, however, evaluate homes based on current alternatives. Bridging that gap requires context, not pressure. A planning-forward reframe Instead of viewing the sale as a single event, it can help to see it as a transition process. The transaction is just one piece. When preparation, pricing, and timing are aligned with your goals, selling a longtime home can feel respectful rather than rushed. 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 selling a home you’ve lived in for many years and want to approach it thoughtfully, 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

What Sellers Should Know About Timing a Sale Around Retirement in Bellingham

By Andi Dyer • January 28, 2026
For many longtime homeowners, selling a home is closely tied to retirement planning, even if retirement is still a few years away. The decision often isn’t just about market conditions. It’s about lifestyle, income, taxes, and how much flexibility you want in the next chapter. Selling at the “right” time is less about predicting the market and more about aligning the sale with your broader plan. Why this decision feels especially heavy Homes often represent the largest store of equity a homeowner has. When retirement enters the conversation, that equity starts to feel less theoretical and more consequential. Many sellers worry about selling too early and missing appreciation, or selling too late and feeling rushed. That tension is normal and deserves a thoughtful approach rather than a reactive one. How timing affects financial flexibility Selling before retirement can create options. It may reduce housing costs, eliminate maintenance responsibilities, or free up equity that can be repositioned conservatively. Selling after retirement can also make sense, especially if staying put supports lifestyle or community ties. The trade-off is often carrying higher housing costs longer. Neither choice is inherently better. The right timing depends on income stability, health, housing preferences, and how much certainty you want. Why the market is only one variable Market conditions matter, but they’re only one part of the equation. Tax considerations, mortgage balance, and future housing plans often have a bigger impact on outcomes than short-term price fluctuations. This is why planning ahead matters. Waiting until a life change forces a decision can limit options. A planning-forward reframe Instead of asking, “Is now the best time to sell?” try asking: “What timing gives me the most flexibility and peace of mind?” That question tends to lead to clearer, calmer decisions. 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 thinking about how a future sale fits into your long-term plans, 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
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