Buying A House With A Friend: How To Get Started and the Pros & Cons
Andi • February 28, 2023
By: HomeFinder Staff | June 1, 2022
With sky-high real estate prices coupled with younger generations settling down with romantic partners and starting traditional families later than ever — if they even do at all ! — it’s no wonder that buying an investment property with a friend is a trend on the rise.
Citing data from Attom, the Wall Street Journal reports that the number of co-home-buyers with different last names increased by a whopping 771% between 2014 and 2021. “We split everything three ways, so it’s cheaper to live,” Amandan Scheider told NBC News about how living expenses are split up in the home she shares with her friends Kathy Keel and Stephanie Vandergrift. “If you have good friends, you have a lot in common and can pretty much hang out whenever… it’s like a permanent sleepover.”
But what does it take to actually go through the co-buying process and get to permanent sleepover status? What does co-home ownership even mean and look like? Can you get a mortgage with friends?
We’re here to answer these questions and more about how to buy a house with a friend.
Types of Ownership: Tenancy In Common vs. Joint Tenancy
In general, there are two main ways to go about buying a house with a friend: tenancy in common or joint tenancy.
Tenancy In Common
Let’s start with tenancy in common. This means that everyone with a house title has some level of ownership and, therefore, interest in the property. With the tenancy in common approach, the ownership can be divided up however you’d like. One person could own 50% of it while two people split the other 50% in half, each owning 25%.
Even with sizable differences in the interest in a property, it’s still co-owned by all of the people on the title. In this arrangement, anyone can sell or transfer their share of the property to another person at any time without co-owner approval. Naturally, this leaves owners with flexible options but also leaves major lifestyle factors outside of your control. If you co-owners decide to sell or if they pass away and their ownership transfers to their heirs, you’ll have entirely new co-owners in the mix. Just like roommates, changes can go well or they can take a turn for the worst.
Joint Tenancy
An alternative to tenancy in common is joint tenancy, which is a little more structured than tenancy in common. Under joint tenancy, all co-owners have to hold an equal share of interest in the property. With a joint tenancy arrangement, if a co-owner passes away, their share automatically passes to the surviving co-owner or co-owners.
One of the most notable differences is that, with joint tenancy, no one can sell their portion of the property without the consent of all of their co-owners. While this means a lot more agreement among co-owners, it dramatically reduces the variability and instability that can come with tenancy in common.
Finally, a joint tenancy co-owner can still transfer their interest in the property to another person, but when this happens the arrangement is automatically converted to a tenancy in common.
How joint mortgages work
Unless you and your friends are planning on paying in cash, you’re going to have to get a joint mortgage to buy a home together. Chances are this has brought up a number of questions for you. Whose credit score is used on a joint mortgage? And how many borrowers can be on a mortgage?
What is a joint mortgage?
A joint mortgage is a mortgage that multiple people get together. Joint mortgages are actually super common — this is the main route that married couples take. It’s important to note, though, that a mortgage is different from owning property together. Mortgages only cover who is responsible for loan payments and they’re not tied to the title of a property which outlines who the owner is. Every lender is different, but most limit the number of people on one mortgage to four parties.
Whose credit score is used on a joint mortgage?
When applying for a joint mortgage, all of the co-borrowers will submit everything from proof of income to credit scores, asset reserves, employment history, and more — whatever the lender needs to determine your collective eligibility for the loan.
The most important thing to note about joint mortgages, though, is that you’re likely to all be considered individually responsible for the full amount of the loan. This means that if one of your co-owners can’t or doesn’t pay their part, you’re probably going to be on the hook for it. It’s a big decision to make that requires a lot of trust and open conversations.
The pros and cons of buying an investment property with a friend
The specific pros and cons of any potential co-buying situation comes down to the individual people involved and their relationships. But in general, there are a few common upsides to buying an investment property or a home with a friend:
- You have a better chance of getting approved for a mortgage. It can be super tough to not just qualify for a mortgage solo these days, but saving enough for a decent down payment can be a challenge, too. When you’re co-buying, you have more than just your resources at your disposal.
- You can likely get into the housing market sooner. Much like getting approved for a mortgage, combining the resources of multiple people can get you into a position to buy faster than you could on your own. This means that you can convert the money you were paying in rent into an asset and, if you go the investment property route, you can start generating passive income.
As with all things, there are downsides to buying a house with a friend, too:
- You’re giving up control. When you co-buy a house with a friend, you have to be prepared to do many things together and consider the other person when you make decisions. If you and your friends are super aligned, this might not be much of an issue. But if you have less alignment than formal life partners do, the number of issues that crop up (think costly repairs) could mean a headache if you aren’t seeing eye to eye.
- It’s harder to qualify for another loan. When applying for a loan, one of the central elements that banks consider is your debt-to-income ratio or DTI. A low DTI is ideal, but when you already have a mortgage, your debt-to-income ratio increases because lenders will tend to view you as technically responsible for the full balance of the loan even if you’re splitting it with a friend.
If this sounds daunting, don’t worry! There’s certainly a lot to consider, but when it comes down to it, the only decision you have to make is what’s best and right for you.
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
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
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
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
Taking a home off the market can feel like admitting defeat, but in some situations it’s a strategic and thoughtful decision. Not every pause means something went wrong. The important thing is understanding why a home might come off the market and what that choice accomplishes. Why sellers consider pausing a listing Common reasons include needing more time for repairs, reevaluating pricing, addressing feedback, or reassessing life plans. Sometimes the timing simply isn’t right. A pause can also make sense if the market response indicates misalignment that requires more than a small adjustment. How taking a home off the market can help Removing a listing can reset momentum. It gives sellers space to make changes without the pressure of public days-on-market tracking. When a home is relisted later with improved preparation or positioning, buyers often respond more positively. When taking it off the market can hurt Pausing without a plan can create confusion. If a home comes back unchanged, buyers may still have the same concerns. The value of a pause lies in what’s done during that time. A planning-forward way to decide Instead of asking, “Should I pull it?” ask: “What would need to change for this home to feel like a confident listing?” That question keeps the decision intentional. Reframing the choice Pausing a listing isn’t failure. It’s information. When used strategically, it can protect equity and create a better experience overall. 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 a pause would help or hurt your situation, 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
Getting multiple offers sounds like the ideal scenario, but for many sellers it quickly becomes stressful. Instead of clarity, there’s fear of choosing the “wrong” one. The pressure can feel especially heavy when offers differ not just in price, but in terms, timing, and conditions. The most important thing to understand is this: the best offer is the one that aligns with your priorities and has the highest likelihood of closing smoothly , not necessarily the highest number on the page. Why multiple offers create anxiety instead of relief When several offers arrive at once, sellers often feel rushed to decide. There’s a fear of missing out on more money, or of upsetting someone by not choosing their offer. This emotional pressure can make it harder to see the situation clearly. What helps is remembering that multiple offers mean you have leverage and options. You don’t need to rush. You need to evaluate thoughtfully. Why price alone doesn’t tell the full story Two offers at the same price can carry very different levels of risk. Financing type, down payment size, inspection contingencies, appraisal risk, and closing timelines all affect how likely a deal is to make it to the finish line. A slightly lower offer with fewer contingencies and a flexible timeline can often produce a better overall outcome than a higher offer that feels fragile or complicated. Understanding risk versus reward Every offer has a risk profile. Some buyers are highly qualified and prepared. Others are stretching to make the purchase work. Neither is inherently wrong, but they require different expectations. Evaluating offers through a risk-and-reward lens helps remove emotion. The question becomes: “Which offer gives me the outcome I want with the least uncertainty?” Why timing and terms matter more than sellers expect Closing timelines affect moving plans, temporary housing, and stress levels. An offer that aligns with your desired timeline can be just as valuable as a higher price that creates pressure. Terms also matter. Fewer contingencies often mean fewer renegotiations later. A calmer way to choose Instead of asking, “Which offer is best?” try asking: “Which offer lets me move forward feeling confident and in control?” That mindset usually leads to fewer regrets and a smoother transaction. 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 help evaluating offers and understanding the trade-offs clearly, 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
Most delayed home sales aren’t caused by dramatic problems. They’re usually slowed down by small issues that compound over time. Understanding what commonly causes delays can help sellers avoid unnecessary frustration. The good news is that many delays are preventable with early planning and realistic expectations . Common sources of delay Pricing misalignment is one of the most frequent causes. When price and buyer expectations don’t match, showings slow and momentum stalls. Inspection surprises can also cause delays, especially when sellers haven’t anticipated how buyers might respond. Financing issues, appraisal timing, and incomplete paperwork can add days or weeks if not addressed promptly. None of these issues mean the sale is failing. They mean coordination is needed. Why preparation reduces delays Homes that are prepared thoughtfully tend to move through the process more smoothly. Sellers who understand their home’s condition, pricing strategy, and next steps are better equipped to respond quickly when questions arise. Responsiveness matters. Clear communication keeps timelines on track. When delays are part of the plan Not every seller needs speed. Some are coordinating a move, waiting on a purchase, or planning around life events. In those cases, a longer timeline may be intentional and appropriate. The issue is not delay itself. It’s delay without a plan. A planning-forward reframe Instead of worrying about what might go wrong, focus on what you can control. Preparation, clarity, and flexibility go a long way toward keeping a sale on track. When expectations are aligned early, delays become manageable rather than stressful. 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 reduce the chance of delays and plan a smoother 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
Appraisals often create anxiety because they feel outside a seller’s control. Once a price is agreed upon, many sellers assume the deal is essentially done, only to worry when the appraisal is ordered. The truth is that most appraisals come in as expected , but understanding how they work and what influences them can reduce stress and help you respond calmly if questions arise. What an appraisal actually does An appraisal is performed for the lender, not the buyer or the seller. Its purpose is to confirm that the home’s value supports the loan amount. Appraisers look at recent comparable sales, market trends, and the home’s condition. They are not trying to renegotiate the deal. They are assessing risk. Why appraisals feel tense in balanced markets In fast-moving markets, prices can rise faster than comparable sales. In balanced markets, buyers and sellers often meet in the middle, which usually aligns well with appraisals. Tension tends to arise when a home is priced at the very top of its range or when there are few recent comparable sales. That doesn’t mean the deal will fail. It means expectations need to be managed. What happens if an appraisal comes in low A low appraisal doesn’t automatically end a transaction. Often, there are options: The buyer may bring in additional funds The seller and buyer may renegotiate The parties may meet somewhere in between The right response depends on the strength of the offer, the buyer’s financing, and the seller’s goals. How preparation helps even here Clear pricing, strong presentation, and accurate documentation of improvements can all support a smoother appraisal process. While sellers can’t control the outcome, preparation reduces surprises. A calmer way to approach appraisals Instead of fearing the appraisal, it helps to view it as another checkpoint in the process. When pricing and strategy were sound from the beginning, appraisals tend to align. 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 appraisal questions are part of what’s causing hesitation, 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
Few words make sellers more uncomfortable than “price adjustment.” It often feels like a failure, or a signal that something went wrong. In reality, price adjustments are a normal and sometimes strategic part of selling in a balanced market like Bellingham’s. The key is understanding when an adjustment helps restore leverage and when it quietly gives it away . A thoughtful adjustment can reignite interest. A reactive one can undermine confidence. Why price adjustments feel so emotional A home price isn’t just a number. It’s tied to expectations, memories, and often a sense of worth. When a home doesn’t receive the response a seller hoped for, it’s easy to take that personally. But the market’s response isn’t a judgment. It’s information. Buyers are constantly comparing options. If a home isn’t getting traction, it usually means the price isn’t aligned with how buyers are currently perceiving value relative to alternatives. When an adjustment actually helps Price adjustments are most effective when they are: Made early, before a listing feels “stale” Large enough to reposition the home into a new buyer search bracket Paired with a renewed marketing push and clear communication Early adjustments often reset momentum. They can bring the home in front of buyers who hadn’t previously considered it and create a sense of renewed relevance. When adjustments quietly hurt leverage Small, incremental reductions spread out over time often do more harm than good. Buyers tend to interpret repeated minor reductions as hesitation or uncertainty, which can encourage aggressive negotiation. Adjustments made after a long period on market can also signal increased flexibility, even if the seller doesn’t intend that. This is why timing and intent matter more than the adjustment itself. Using feedback instead of fear The most productive way to approach pricing decisions is through feedback. Are buyers commenting on value? Are they comparing the home to others at a lower price point? Are showings happening but not converting? Those signals are more reliable than headlines or averages. A planning-forward reframe Instead of viewing a price adjustment as “giving in,” it’s often more accurate to see it as realigning with current buyer behavior . When done intentionally, adjustments can restore confidence, reduce time on market, and lead to cleaner negotiations. 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 an adjustment would help or hurt 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
Receiving multiple offers can feel exciting and overwhelming at the same time. Sellers often worry about choosing the “wrong” one, even when the numbers look good. The most important thing to remember is that the strongest offer is not always the highest price. Evaluating offers holistically leads to smoother closings and fewer surprises. Why price alone doesn’t tell the whole story Two offers with the same price can carry very different levels of risk. Financing type, contingencies, timelines, and flexibility all influence how likely an offer is to close successfully. A slightly lower offer with strong terms can often lead to a better overall outcome than a higher offer that feels fragile. Understanding contingencies and risk Contingencies give buyers protection, but they also introduce uncertainty for sellers. Inspection timelines, appraisal conditions, and financing terms all affect risk. Understanding which contingencies are standard and which ones carry more uncertainty helps sellers choose confidently. Why timelines matter more than sellers expect Closing timelines can affect moving plans, temporary housing, and stress levels. An offer that aligns with your desired timeline may be worth more than one that creates pressure. Evaluating offers through a planning lens Instead of asking, “Which offer is best?” try asking: “Which offer supports the outcome I want with the least stress?” That lens helps remove emotion and clarify decisions. A calmer way to choose You don’t have to rush. Multiple offers create options. Taking a moment to evaluate the full picture usually leads to better decisions and fewer regrets. 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 help evaluating offers and understanding the trade-offs clearly, 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
