Most good Realtors will be able to tell you what the market value of your home is. The process they use in determining that value is just about what an appraiser goes through for your purchaser's mortgage company.

When it comes to pricing your home ask a lot of questions about the market value and how it is determined. Then, we recommend you price it close to that amount.

A Competitive Market Analysis (CMA) is one way Realtors estimate the current market value. However, there is another important reason to have a CMA of your home. You may be paying unnecessary private mortgage insurance (PMI). When you purchased your home, a down payment of less than 20% of the home's previous CMA meant most lenders would require PMI. A current Competitive Market Analysis may indicate you now have enough equity in your home to discontinue those PMI payments. Your mortgage company will require an appraisal to eliminate that fee, but a CMA will give you a good idea what that appraisal will say. Elimination of your PMI would reduce your monthly payments without any refinancing or closing costs.

FREE COMPARATIVE MARKET ANALYSIS: For a free, no obligation Comparative Market Analysis (Starkville area only please) fill out the CMA Request form and submit it electronically. We will be in touch shortly to make an appointment at your convenience.

We will ask a few easy questions, look at your home, and do some market research. There's no obligation to sell your home. No one else will be calling and you won't be on any mailing lists unless you ask for additional information. It's also a good time to ask any other questions you might have on a more personal level. Again, this is a free service and there are no hidden motives.

One last thing about your home's market value to consider, "It's not what you need to get...not what you want to get...not what you think it is worth...it's not what you have invested in it compared to the guy next door." The key to selling you home is usually pricing it close to its real market value.

WHY LIST YOUR PROPERTY WITH SRE REALTORS?

• 16 full-time sales associates
• Office open six days a week, including Saturday
• Well-trained support staff
• Voice mail — always reachable
• Each listing toured by staff, all agents are familiar with your house
• Out of town buyers
• Established working relationship with lenders
• Listings advertised locally, as well as Coldwell Banker web site, Realtor.com and Golden Triangle Association of Realtor's Multiple Listing Service
• Listing in Home Buyer's Guide
• Seller's Disclosure
• Open Houses
• Negotiating skills
• Hours of showing homes is unlimited
• Appointments are very seldom "no shows"
• All closing arrangements are handled by a Realtor
• Competitive Market Analysis
• Realtor acts as buffer between seller and buyer
• Coldwell Banker Marketing Tools
• We pre-qualify the buyers before bringing them to see your home
  
  If you've come across some confusing terms, try our page of Real Estate Terms . If you cannot find an answer please call 323-8700 or use our convenient Information Request form.