Selling my home
Should I sell, and what's it really worth?
Should I sell, and what's my house worth?
What your house is worth is what a buyer will pay in the next 60 days, not what an app says. A comparative market analysis (CMA) looks at homes like yours that sold nearby recently and adjusts for the differences. It's free, and it's the honest starting point. Whether to sell now depends on your reason, your timeline, and what the proceeds need to do for you.
Deciding to sell is emotional even when it's clearly right. Once the reason and the timeline are clear, most sellers feel relief.
- How long
- Most people spend about a week here.
How to: Have a CMA for my home
Ask for a CMA rather than relying on an online estimate
How to: Know my reason and my timeline
Write down why you're selling and when you need to be out
How to: Estimated my net proceeds
Estimate your net proceeds: price minus your loan payoff, commission and closing costs
How to: Decided sell-first or buy-first
Decide whether you need to buy before or after you sell
How to: Everyone involved is on board
Talk it through with everyone who has a say
Go deeper
- Pricing from an online estimate. For homes that aren't on the market they can be off by 5–10%, which on a $400,000 home is the whole negotiation.
- Underestimating the timeline. Most sales take 30–60 days from contract to closing, on top of the time to prepare and market.
- Not knowing your net. Sellers typically pay 6–10% of the price in total costs. Know the number before you decide.
From the Thrive team
- Be honest about your timeline. Rushed sales often fetch lower prices; if you have flexibility, use it.
Do I need an agent, and how do I price it?
Do I need an agent, and how do I price it?
91% of sellers use an agent, a record, and agent-assisted homes sold for a median of $425,000 last year versus $360,000 for owner-sold homes. You can sell on your own; most people who try end up hiring one. Ask any agent three things: how will you market it, how will you price it, and what timeframe do you expect. Then price to the market in week one. Homes that start too high sit longer and sell for less.
Interviewing agents can feel like a sales pitch, because it is one. Look for the one who listens, explains the market plainly, and prices from data rather than flattery.
- How long
- Most people spend about a week here.
- What it costs
- Usually nothing now. Interviewing agents is free. Agent pay is negotiated and set in writing in the listing agreement, and it's usually paid from your proceeds at closing rather than up front.
How to: Interviewed at least two agents
Interview two or three agents
How to: Have each agent's plan in writing
Ask each for their marketing plan and pricing strategy in writing
How to: Understand the commission
Understand exactly what the commission covers
How to: Reviewed the comps
Review 5–10 comparable sales together
How to: Agreed on price and a two-week plan
Agree the list price and the plan for the first two weeks
Go deeper
- Choosing the agent who quotes the highest price. That number is designed to win your listing, not to sell your house.
- Refusing to price competitively. The first two weeks are when buyers pay attention; a price cut in week five costs more than pricing right in week one.
- Not asking about the paperwork. It's one of the most stressful parts of any sale. Ask how the agent handles yours.
From the Thrive team
- Find an agent who sells homes at your price point in your area. Different agents have different strengths.
What's worth fixing before I list?
What's worth fixing before I list?
Almost never the kitchen. Almost always paint, light and the things a buyer touches first: the front door, the entry, the bathrooms. Deferred maintenance costs more in negotiation than it costs to fix now. Then professional photos. They're your first showing, and most buyers decide from them whether to book a real one.
Watching your home get "staged" can feel impersonal. It serves a purpose: buyers need to picture their life there, not yours.
- How long
- Most people spend about 2 weeks here.
- What it costs
- It depends on your list. Around Athens a whole-home deep clean runs about $200–$600 and painting a room about $400–$1,700. Professional photos run about $150–$350, and many listing agents pay for them; ask yours.
How to: Fixed the first-30-seconds items
Walk in as a buyer would and fix what you notice in the first 30 seconds
How to: Small repairs done
Handle the small repairs a buyer's inspector would flag anyway
How to: Cleaned, decluttered, depersonalized
Deep clean, declutter and take down the personal photos
How to: Paint and lighting handled
Neutral paint where it's tired; better lighting everywhere
How to: Professional photos booked
Book professional photography once it's ready
Go deeper
- Skimping on photos. Great photos multiply showings; bad ones get scrolled past.
- Over-renovating. Big projects rarely return their cost at sale; small fixes and cleanliness do.
- Ignoring the outside. Curb appeal is the first impression, and it's cheap to improve.
From the Thrive team
- Focus staging on the main living areas. Buyers care most about the kitchen, the primary bedroom and the bathrooms.
What happens once it's on the market?
What happens once it's on the market?
Showings, feedback, and waiting. Your agent should tell you every week what buyers said. If there are no showings in two weeks, it's the price. If there are showings but no offers, it's usually the condition or the photos. Decide in advance what you'd do about each.
This stretch can feel long or short depending on the market. Keeping the house show-ready is tiring. The first two weeks matter most.
- How long
- Most people spend about 3 weeks here.
- What it costs
- Usually nothing new. Your holding costs, from any house payment to insurance, utilities and upkeep, keep running while it's listed, so each extra month on the market costs you another month of them.
How to: Home is show-ready
Keep the home show-ready, especially for the first two weeks
How to: Saying yes to showings
Say yes to showings, even inconvenient ones
How to: Reviewing weekly feedback
Read the feedback every week and look for patterns
How to: Leaving for showings
Leave during showings so buyers can talk freely
How to: Know my price-adjustment trigger
Decide up front when you'd adjust the price
Go deeper
- Limiting showings. Every "not today" is a buyer who may not come back.
- Dismissing feedback. If three buyers mention the same thing, it's real.
- Staying home during showings. Buyers won't open closets or talk honestly with you there.
From the Thrive team
- Buyers schedule on short notice. Keeping the house ready means you never miss the one who was going to make the offer.
How do I read an offer, and when do I push back?
How do I read an offer, and when do I push back?
Price is one line. The rest — financing, contingencies, closing date, what conveys — decide whether it actually closes. A slightly lower cash or well-financed offer often nets you more than a higher one with a shaky loan. Counter on terms before you counter on price.
An offer is a relief. Multiple offers feel like a windfall and a puzzle. Either way, take a breath: negotiation is expected, and it's rarely personal.
- How long
- Most people spend about 3 days here.
How to: Compared offers on net and certainty
Compare each offer on net proceeds and certainty, not just price
How to: Checked each buyer's financing
Check the buyer's financing and inspection window
How to: Countered on terms
Counter on terms first: dates, contingencies, what conveys
How to: Chose an offer
In a multiple-offer situation, ask for highest and best
How to: Earnest money confirmed
Confirm the earnest money is deposited once you accept
Go deeper
- Taking the first offer before others arrive. In a hot week, wait for the full picture.
- Looking only at price. Terms and timing decide whether the sale closes.
- Pushing too hard. Buyers walk, and the next offer is usually lower.
From the Thrive team
- With multiple offers, ask for "highest and best." It gets each buyer's strongest number and cleanest terms at once.
What happens after I accept?
What happens after I accept?
The buyer inspects and their lender appraises. Expect a repair request, and decide ahead of time what you'd fix, credit, or refuse. If the appraisal comes in low there are three ways through: the buyer covers the gap, you lower the price, or you meet in the middle. Most deals survive both.
The inspection report can feel like a list of everything wrong with your home. It isn't. Inspections always find things; what matters is how you respond.
- How long
- Most people spend about 2 weeks here.
How to: Out for the inspection
Be out of the house for the inspection
How to: Responded to repairs on time
Respond to repair requests inside the contract deadline
How to: Repair vs. credit decided
Offer a credit instead of repairs for cosmetic items
How to: Appraisal done
Provide easy access for the appraiser
How to: Utilities staying on
Keep utilities on and the home in the same condition through closing
Go deeper
- Getting defensive about the inspection. It's normal; almost every home has findings.
- Refusing all repairs. Reasonable sellers keep deals alive; stubborn ones restart the clock.
- Ignoring a low appraisal. It has to be resolved or the buyer can't get the loan.
From the Thrive team
- If the appraisal comes in low, ask the lender about a reconsideration of value with better comps before you cut the price.
What do I pay at closing, and when do I move?
What do I pay at closing, and when do I move?
Your settlement statement shows exactly what you walk away with after commission, closing costs and paying off your loan. Sellers typically pay 6–10% of the price all in. In Georgia the closing attorney runs the closing and disburses your proceeds, usually by wire the same day. Possession at closing is the norm unless you negotiate a short rent-back.
Closing day is surreal: you sign, you hand over keys, and it's done. Most sellers feel relief and a little grief. Both are normal.
- How long
- Most people spend about 2 weeks here.
In Georgia
In Georgia a closing attorney conducts the closing for both parties and disburses the seller's proceeds. Your agent will coordinate the payoff of your existing loan with the attorney's office.
How to: Reviewed my settlement statement
Review the settlement statement before closing day
How to: Final walkthrough done
Do the final walkthrough with the buyer's agent the day before
How to: Movers booked
Schedule movers for the day before closing
How to: Keys, openers and manuals left
Leave manuals, keys, openers and codes for the buyer
How to: Utilities scheduled to end
Cancel or transfer utilities for the day after closing
Go deeper
- Being surprised by the closing costs. Read the statement early and ask about every line.
- Leaving things behind. Anything left becomes the buyer's.
- Turning off utilities early. The walkthrough needs lights and water.
From the Thrive team
- Verify your net proceeds calculation before closing day so you know exactly what you're receiving.
That's the whole path.
Keep it, and come back any time. If something here doesn't fit your situation, ask one of us.
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