Selling a House With a Mortgage: What You Need to Know

Posted on 23.04.202523.04.2025 by Hanna Cena

If you’re wondering about selling a house with a mortgage, you’re not alone. In fact, most homeowners still owe money on their homes when they decide to sell. Whether you’re moving for work, upgrading to a new home, or dealing with life changes, it’s completely possible to sell—even if you haven’t paid off your mortgage.

The key is knowing what to expect, what steps to take, and how to make the process as smooth as possible. This guide walks you through everything in a clear, simple way.

1. Can You Sell a House Before It’s Paid Off?

Yes, you can sell your house before it’s fully paid off—even if you’re still making mortgage payments.

Yes—you absolutely can. Selling a house with an outstanding mortgage is very common. You don’t need to wait until your loan is fully paid before putting your home on the market.

Here’s how it works:

When you sell the home, part of the sale proceeds are used to pay off your remaining loan balance.
After that, any money left over is yours to keep (minus other selling costs).

Your mortgage company will usually provide a payoff amount—this is the exact total needed to pay off your loan in full, including any interest up to your closing date.

2. What Happens to Your Mortgage When You Sell?

If you have more than one loan, like a second mortgage or HELOC, this article explains what you need to know when selling.

At closing, your home’s buyer will pay the agreed purchase price. The title company or attorney handling the sale will then:

Use those funds to pay off your mortgage
Pay any remaining closing costs (agent fees, taxes, etc.)
Send you the remaining balance—your profit!

If your home sells for more than what you owe, you walk away with equity. If your home sells for less than what you owe, that’s called being “underwater” or “upside-down,” and you’ll need to consider a short sale or pay the difference at closing.

3. How to Calculate What You’ll Walk Away With

Before you list your home or accept an offer, it’s essential to understand what you’ll actually earn from the sale. Selling a house with a mortgage doesn’t mean you’ll walk away empty-handed—but your profit depends on a few key numbers.

Here’s how to calculate your net proceeds, also known as what you’ll walk away with after everything is paid:

Basic Formula:

Estimated Sale Price
− Mortgage Payoff Balance
− Selling Costs (typically 8%–10%)
= Net Proceeds (Your Profit)

You can get a more accurate estimate using online tools like NerdWallet’s Home Sale Calculator.

What to Include in Selling Costs:

Real estate agent commission: 5%–6% of the sale price (if you’re using an agent)
Title and escrow fees: Often shared between buyer and seller
Transfer taxes or recording fees: These vary by county in Michigan
Repairs or improvements: Optional, but factor them in if you’re making any updates
Staging or cleaning costs: If you’re prepping the home for traditional buyers

Request a Payoff Statement From Your Lender

Your lender can give you a “mortgage payoff statement,” which includes:

Your principal balance
Any unpaid interest
Fees or penalties (if applicable)
The total amount owed up to a specific date

Having this figure ahead of time gives you more control when negotiating offers.

Knowing your numbers upfront helps you make smarter decisions—and avoid surprises at closing.

4. Can You Sell a House With a Mortgage in West Michigan?

Absolutely—you can sell a house with a mortgage anywhere in Michigan, and West Michigan is no exception. In fact, it’s one of the most common situations we see in cities like Grand Rapids, Kentwood, Rockford, Holland, Jenison, and Belding. Whether you’re selling due to a job relocation, family needs, or financial reasons, you don’t have to wait until your mortgage is paid off.

In many cases, local buyers are especially helpful. Why?

Because they understand the market and can move quickly. If you’re working with a traditional agent, the process may involve some back-and-forth with your mortgage lender. But if you’re selling to a local cash buyer, it often goes smoother.

Here’s why homeowners in West Michigan often sell before their mortgage is paid off:

They’re relocating for work or to be closer to family
They’re upsizing or downsizing based on life changes
They want to avoid foreclosure or catch up on missed payments
They’ve inherited a home and need to resolve the mortgage balance

Working with someone local—like Hometown Development—can help you close faster, skip repairs, and handle all the coordination with your lender.

5. What If You’re Behind on Payments?

If you’ve already fallen behind on payments, this guide offers more in-depth help for understanding your options.

If you’re behind on mortgage payments, don’t panic—you may still have time to sell. The sooner you act, the more options you’ll have.

Here are a few things to keep in mind:

You may qualify for a short sale, where your lender agrees to let you sell for less than you owe.
You could use your home’s equity to pay off the missed payments at closing.
Selling to a cash buyer may help you avoid foreclosure entirely and preserve your credit.

If you’ve received a notice of default or are at risk of foreclosure, talk to your lender and explore selling immediately.

6. Why Working With a Local Buyer Makes It Easier

If the idea of selling while juggling a mortgage feels stressful, a local buyer can make it much easier.

Why?

They know the closing process and can work with your lender
They don’t need bank financing, which speeds things up
They often cover closing costs and skip inspections or repairs

At Hometown Development, our process is simple:

You tell us about your home (even if you’re behind on payments)
We give you a cash offer within 24–48 hours
You choose when to close

We work with homeowners in Kent, Ottawa, Ionia, Muskegon, and nearby counties who want to move on without the usual selling stress.

7. Final Thoughts: Don’t Let Your Mortgage Hold You Back

Selling a house with a mortgage may sound tricky, but it’s totally doable. The key is understanding your numbers, acting early, and working with the right partner.

Whether you owe a little or a lot, you have options—and there’s no reason to wait if you’re ready to move.

💬 Ready to Sell? Even With a Mortgage, We Can Help

If you’re in Grand Rapids, Kentwood, Wyoming, Rockford, Holland, Grand Haven, Jenison, Hudsonville, Belding, Saranac, Muskegon, or Fruitport, reach out to Hometown Development for a fast, transparent home-selling experience.

We’ll help you handle your mortgage and close when you’re ready.

👉 Click here to request your free cash offer

How to Sell Your House Quicker: Smart Moves That Actually Work

Posted on 21.04.202523.04.2025 by Hanna Cena

Selling your home doesn’t need to take months. If you’re wondering how to sell house quicker, you’re in the right place. Whether you’re relocating, dealing with a life change, or simply ready to move on, the process can move much faster than you think—if you approach it strategically.

In this guide, you’ll learn practical, cost-effective tips to sell your house faster—without sacrificing your peace of mind or profit. Let’s dive in.

1. Price It Right the First Time

One of the top reasons homes sit on the market is overpricing. While it’s tempting to aim high and “leave room for negotiation,” buyers today are savvy. If your home is priced too high from the start, you may end up with fewer showings and even lower offers later.

Instead, research local home sales and use online tools like Zillow’s Pricing Calculator or speak with a local real estate expert or cash buyer. In West Michigan, homes that are priced competitively tend to attract offers within the first few weeks—sometimes even within days.

Pro tip: Homes that are priced right from day one sell faster and closer to asking price.

2. Boost Your Curb Appeal Fast

Buyers start forming impressions the second they see your home from the street. But improving curb appeal doesn’t have to mean major landscaping work. Just a few quick updates can make your home more inviting:

Mow the lawn and trim hedges
Sweep the porch and pressure-wash sidewalks
Add potted plants or seasonal flowers
Repaint your front door if it’s chipped or faded
Replace or clean house numbers and mailbox

If you’re trying to sell fast, you don’t need a full outdoor makeover—just a clean, fresh appearance that builds trust right away.

3. Keep the Inside Clean and Clutter-Free

You don’t have to hire a professional stager to make your house look good. Simply removing clutter, personal photos, and unnecessary furniture can make a huge difference. Buyers want to imagine their life in your space—not feel like they’re intruding in someone else’s.

Here’s what helps:

Keep surfaces (kitchen counters, bathroom sinks) clean and clear
Open curtains and blinds to let in natural light
Use lamps to brighten dark corners
Eliminate odors with air purifiers or natural scents

A clean, tidy house photographs better and shows better—which directly impacts how quickly it sells.

4. Use High-Quality Photos and a Clear Description

Most buyers start their search online. That means photos matter—a lot. Low-quality pictures can make even the nicest home look dull. If you’re working with an agent, make sure they use a professional photographer. If you’re selling yourself or to a buyer like Hometown Development, ask if photos are part of the process.

In your listing description:

Mention the home’s best features: “new roof,” “quiet street,” “finished basement”
Highlight your timeline: “available for fast closing” or “move-in ready”
Be honest about condition—this builds trust

Clear, well-lit images and an honest description will get you more clicks, more views, and ultimately, faster offers.

5. Be Flexible With Showings (or Skip Them Altogether)

The more available your home is for showings, the faster it’s likely to sell. But showings can be stressful—especially if you have kids, pets, or a busy schedule.

If flexibility is hard, here are two options:

Schedule open blocks of time for multiple showings at once
Skip showings entirely by working with a local cash buyer

A buyer like Hometown Development will purchase your home as-is, with no showings, no open houses, and no last-minute scrambles.

6. Work With a Local Cash Buyer

If you truly want to sell fast without delays, working with a local cash buyer may be your best option. There’s no agent, no listings, no showings, and no long waits for mortgage approvals.

Here’s how it works with Hometown Development:

You tell us about your property
We give you a fair cash offer within 24–48 hours
You choose your closing date—we move on your timeline

This option is ideal for people dealing with foreclosure, inheritance, job relocation, or home repairs they don’t want to fix.

7. How to Sell House Quicker in West Michigan

Selling a house quickly in West Michigan is possible when you understand the local market and adjust your approach accordingly. Each county and city has its own housing trends, buyer expectations, and pricing dynamics. The key is to tailor your strategy based on where your home is located.

Local Areas Where Homes Sell Fast

If you’re in one of the following areas, you’re already in a strong position:

Kent County: Grand Rapids, Kentwood, Wyoming, Rockford
Ottawa County: Holland, Grand Haven, Jenison, Hudsonville
Ionia County: Belding, Saranac
Nearby Areas: Muskegon, Norton Shores, Fruitport

Homes in these markets tend to sell quicker when they are priced right and presented in clean, livable condition—even if they’re not fully updated.

Why Local Buyers Act Fast

Buyers in West Michigan are often looking for homes that are:

Move-in ready (not necessarily remodeled)
Priced according to current comps
Located in quiet neighborhoods with good schools

Many are relocating within the region, which means they’re pre-approved and motivated to close quickly.

How to Stand Out

To increase your chances of selling quickly:

Keep your home clean and clutter-free
Be responsive and flexible with communication
Mention your timeline and motivation in the listing
Highlight features that matter locally, such as basement space, garages, or proximity to parks and schools

And if you want to bypass the listing process altogether, working with a local cash buyer like Hometown Development can help you close in as little as 7–10 days—without making any repairs or staging the home.

8. Use a Pre-Inspection to Speed Up Closing

Getting a pre-listing home inspection can eliminate surprises during the buyer’s due diligence. If you’re selling traditionally, this gives you time to fix urgent issues—or disclose them transparently. Buyers may feel more confident making an offer quickly when they know what they’re getting.

9. Offer Buyer Incentives

If your goal is to sell your house quicker, offering buyer incentives can be a smart way to make your listing stand out—especially in a competitive market. Incentives give buyers an extra reason to choose your home over others and can help speed up decision-making.

Here are a few effective incentives to consider:

🎯 Cover a Portion of Closing Costs

Many buyers—especially first-time buyers—are stretching their budgets to cover the down payment, moving costs, and other expenses. Offering to pay part or all of their closing costs (usually 2%–5% of the home price) can remove a huge financial burden and make your home more appealing.

🏠 Offer a Home Warranty

A home warranty covers the repair or replacement of major systems and appliances for the first year after closing. This gives buyers peace of mind, especially if your home has older systems. It’s a small investment (typically $400–$700) that can tip the scales in your favor.

🗓 Be Flexible With Move-In Dates

If you’re not in a rush to move out, giving buyers flexibility with move-in timing can be a huge advantage. Some buyers need to move quickly—others want a little more time. Offering to work with their schedule makes the entire process smoother and less stressful.

🛠 Include Small Repairs or Upgrades

Instead of major renovations, offer credits or cover minor fixes like replacing a worn carpet or repainting a wall. These gestures show you’re cooperative and willing to negotiate in good faith.

Incentives don’t have to cost you much—but they can dramatically increase your chances of selling fast and securing a solid offer.

10. Partner With a Local Real Estate Expert

If you’re not going the cash buyer route, choosing a real estate agent with local experience can be a game-changer. They know what sells in your area and can help price, market, and negotiate effectively—saving you time and boosting your sale speed.

Final Tips to Sell Faster Without Losing Value

Want to move quickly without giving your house away? Here are your key takeaways:

Price your home based on real market data—not emotion
Focus on first impressions: clean, decluttered, and bright
Skip the renovations unless they’re urgent
Consider working with a buyer who can close fast and pay cash

Selling faster doesn’t mean settling for less—it means being smart and strategic.

💬 Ready to Sell Fast in West Michigan?

If you need to sell your home quickly in Kent, Ottawa, or Ionia County, Hometown Development is ready to help. We buy homes as-is, offer cash within 48 hours, and close in as little as 7 days.

👉 Click here to request your free, no-obligation cash offer

Top Things You Should not Fix Before Selling Your House

Posted on 20.04.202523.04.2025 by Hanna Cena

Selling your home can come with a lot of pressure—especially when it comes to repairs. Many homeowners find themselves asking, what not to fix when selling a house? It’s a valid question. The truth is, not everything needs updating before you list. Some repairs won’t boost your home’s value enough to justify the time, money, or effort.

In this blog, we’ll guide you through the smart decisions: what to skip, what buyers really care about, and how to make your home market-ready without overspending.

1. Why Not Everything Needs Fixing Before You Sell

It’s easy to feel overwhelmed when preparing to sell your home. Friends, family, or even your agent might suggest repairs or upgrades—some necessary, many not. But the truth is, you don’t need to fix everything before selling.

First, understand this: most buyers aren’t looking for a “perfect” home—they’re looking for a livable, well-maintained space they can eventually make their own. In fact, trying to make too many changes right before selling can:

Eat into your budget and lower your profit margin
Delay your timeline and cause you to miss the best time to sell
Result in choices that don’t match buyer preferences

Also, many buyers today are looking for homes they can customize to fit their style. So that outdated backsplash or slightly worn carpet? It’s often not a dealbreaker—it’s an opportunity for the buyer to add their personal touch.

Instead of trying to update everything, focus on the essentials:

Clean the home thoroughly
Declutter every room
Take care of any safety or structural issues

You’ll be surprised how far a clean, functional home will take you—without the added stress or expense of unnecessary renovations.

2. Cosmetic Fixes You Can Skip

It’s easy to get caught up in small details—especially when you’re trying to impress potential buyers. But the truth is, many minor cosmetic issues don’t make or break a sale. Buyers aren’t expecting a magazine-perfect home. They’re looking for a clean, well-kept space they can move into and personalize over time.

Here are a few common cosmetic flaws that most buyers will overlook:

Small nail holes or wall scuffs from picture frames or everyday use
Worn cabinet hardware that still functions fine
Outdated paint colors in good condition—especially neutrals
Minor carpet stains or wear in low-traffic areas
Old light switch plates or slightly mismatched fixtures

Rather than pouring money into replacing every outdated detail, focus on creating a clean, bright, and uncluttered environment. Natural light, fresh air, and spaciousness do far more to win over buyers than a perfectly repainted wall.

A good deep cleaning, tidying up furniture arrangements, and removing personal items will make your home feel bigger and more appealing—without the need for costly cosmetic upgrades.

See our article about Can I Sell A House that Needs Repairs?

3. Outdated Features That Don’t Need Changing

It’s tempting to think that every outdated detail in your home will turn off potential buyers—but that’s rarely the case. In reality, many buyers walk into a home already planning to make cosmetic updates to fit their own style. That means they may not mind the older appliances or vintage tiles as much as you think.

Here are several outdated (but completely acceptable) features you likely don’t need to change before selling:

Older appliances that are clean and in good working condition—even if they aren’t stainless steel
Dated light fixtures that still function well and match the rest of the home’s look
Wood cabinetry or original cabinets that are sturdy and presentable
Simple bathroom vanities with some age but no major flaws
Popcorn ceilings in secondary rooms or areas that are otherwise in good condition

Rather than replacing these features, your goal should be to ensure they are clean and well-maintained. A clean older appliance is much more appealing than a broken one, and vintage cabinets can add charm when presented properly.

Unless you’re selling in a luxury market, most buyers would prefer a lower price with the option to renovate later than pay extra for upgrades they may not even like.

4. Costly Repairs That Might Not Add Value

Not all expensive fixes will get you a better sale price. In fact, some of the most costly repairs can actually lower your return on investment because buyers may not value those updates as much as they cost you. So, before you commit to a major project, it’s important to understand what’s actually worth it—and what’s not.

Here are common big-ticket items that homeowners often feel pressured to replace, but usually don’t increase the home’s market value enough to make it worthwhile:

New windows – Unless your windows are broken, leaking, or severely drafty, buyers are unlikely to expect new ones.
Roof replacements – If the roof is leaking or nearing the end of its life, you may need to negotiate. But many buyers are fine with a roof that has a few years left.
Complete kitchen or bathroom remodels – While flashy renovations look nice, most buyers prefer to make updates themselves. These projects are costly and often offer only partial ROI.
New HVAC systems – If your heating or cooling works fine, there’s rarely a need to upgrade. Buyers are more concerned with function than brand-new equipment.
Energy-efficiency upgrades – Unless you’re targeting a very eco-conscious market, updates like new insulation, solar panels, or energy-efficient siding might not deliver immediate payback.

Instead of investing tens of thousands of dollars, sellers can often get better results by pricing the home slightly lower and letting the buyer decide how they want to improve it.

In fact, according to Remodeling Magazine’s Cost vs. Value Report, the national average ROI for most home remodeling projects hovers between 50%–70%. That means you’ll likely lose money trying to “fix everything.”

If you’re uncertain about a particular fix, ask your agent or cash buyer whether it’s a dealbreaker or just cosmetic. Often, leaving things as-is and adjusting the price is the smarter move.

5. What Buyers Actually Care About

Buyers often focus on the overall condition of the home rather than specific finishes. What truly matters to most buyers is:

A safe, structurally sound property
Functioning electrical and plumbing
Working heating and cooling
A clean, well-maintained appearance
A layout that meets their needs

Clean and functional beats stylish but stressful.

6. When to Sell As-Is and Skip All the Fixes

Selling “as-is” means you skip all repairs—and buyers know they’re purchasing the home in its current condition. This works best if:

You inherited a home and don’t want to renovate
You need to relocate quickly
You’re dealing with financial stress or foreclosure
You don’t want to deal with agents or showings

Working with a local cash buyer like Hometown Development LLC allows you to sell as-is without spending money upfront.

7. What Not to Fix When Selling a House

If you’re selling a home in West Michigan—whether you’re in Kent, Ottawa, or Ionia County—there’s good news: buyers in this area often prioritize affordability and long-term potential over perfection. That means you don’t need to do a full renovation to sell your home quickly and at a fair price.

In fact, over-improving can work against you. Spending thousands on upgrades that don’t match local buyer expectations may leave you with a smaller return on investment. The key is to understand what’s normal—and acceptable—for your local market.

What You Can Usually Skip in West Michigan:

Replacing wood siding with vinyl: Unless it’s damaged or rotting, most buyers don’t expect new siding.
Installing granite or quartz countertops: In entry-level or mid-range homes, buyers will often choose to upgrade countertops themselves later.
New flooring throughout: If your floors are clean and intact—even if a little dated—buyers may prefer to budget for their own choice down the road.
Whole-house repainting: Unless your walls are stained, scuffed, or painted in bold, hard-to-sell colors, you don’t need to repaint everything.

Instead of sinking money into upgrades that may not matter, many sellers in places like Grand Rapids, Kentwood, Wyoming, Rockford, Holland, Jenison, Grand Haven, Belding, Saranac, Fruitport, Muskegon, and Norton Shores choose to price their homes more competitively.

You can also emphasize the home’s structure, functionality, and potential, rather than trying to meet unrealistic visual standards. In this region, a good price and a solid home go much further than cosmetic perfection.

If you’re looking for a simple, cost-effective way to sell in West Michigan, consider selling your house as-is to a local buyer like Hometown Development. You’ll avoid unnecessary expenses and still attract serious, ready-to-act buyers.

8. Final Thoughts: Focus on What Matters Most

When selling your house, your goal isn’t to make it perfect—it’s to make it welcoming and move-in ready. Don’t waste time or money on repairs that won’t deliver a return.

Stick to the essentials:

Clean thoroughly
Fix safety hazards
Price it right

Want to skip all repairs entirely? You can.

💬 Skip the Fixes. Sell Your House As-Is With Hometown Development

If you’re in Grand Rapids, Kentwood, Wyoming, Rockford, Holland, Jenison, Hudsonville, Belding, Saranac, Muskegon, Fruitport, or Norton Shores, Hometown Development is here to help you sell your home fast—without spending a dime on repairs.

We buy houses as-is and close on your timeline.

👉 Request your no-obligation cash offer today

How Much Does It Cost to Sell a House? You Might Be Shocked

Posted on 19.04.202522.04.2025 by Hanna Cena

When you’re ready to move on from your home, one of the first questions that might come to mind is: How much does it cost to sell a house? It seems like selling should be simple—put up a sign, find a buyer, and move on. But the truth is, there are many expenses that pop up along the way. From agent commissions to small repairs, these costs can add up quickly.

In this guide, we’ll break down all the common (and hidden) costs you should expect, plus show you ways to save money—especially if you’re in West Michigan.

1. Understanding the Common Costs of Selling a Home

Let’s start with the basics. When you sell a house, you’re not just walking away with the buyer’s payment. Sellers usually cover multiple costs, such as:

Real estate agent commission: Typically 5–6% of the home’s final sale price (split between your agent and the buyer’s agent).
Home preparation: Think cleaning, staging, landscaping, and painting to get the house showing-ready.
Repairs: These could be minor (patching walls) or major (roof leaks, plumbing).
Closing costs: These vary by state but usually include taxes, legal fees, and more.

Source: Bankrate – Seller Closing Costs

These are just the basics—but the actual cost depends on how you sell.

2. Real Estate Agent Fees vs. Selling Without One

Agent Fees Can Be Steep

Most traditional home sales involve a real estate agent. While they offer expertise, they also take a cut—usually around 6% of the total sale. For a $250,000 house, that’s $15,000 right off the top.

Selling on Your Own (FSBO)

If you go the For Sale By Owner (FSBO) route, you can skip the listing agent’s fee, saving you 2.5–3%. However, you’ll still need to pay a buyer’s agent (unless the buyer is also unrepresented), and you’ll take on all the responsibilities yourself—pricing, marketing, negotiating, paperwork.

More on FSBO pros and cons from The Balance

In summary, FSBO can save you money, but only if you’re confident and have time to manage the sale.

3. What Are Seller Closing Costs?

Seller closing costs are the additional charges you’ll need to pay to officially transfer ownership of the property. These can include:

Transfer taxes (varies by state and local municipality)
Title insurance fees
Escrow service fees
Attorney fees (if required in your state)
Prorated property taxes

These fees are often between 1–3% of your home’s sale price. For example, on a $250,000 sale, you could be paying another $2,500–$7,500 in closing costs.

Tip: Make sure to ask for a settlement statement before closing to see where every dollar goes.

4. Repairs and Improvements: When Is It Worth It?

Another major question many sellers ask is whether they should fix things before listing. While fresh paint and curb appeal upgrades can go a long way, big renovations may not offer a great return.

Minor Repairs That Pay Off:

Patching holes in walls
Replacing outdated light fixtures
Cleaning grout or carpets
Replacing broken hardware

Big Renovations to Think Twice About:

Kitchen overhauls
Roof replacement (unless damaged)
Full bathroom remodels

Buyers often expect a lived-in home—not perfection. Spending thousands on big updates doesn’t guarantee a higher sale price. Sometimes, it’s better to price the home slightly lower and skip the stress.

5. Hidden Costs That Sellers Often Forget

Even if you’ve planned for the big expenses, don’t forget the “little” ones that sneak in:

Ongoing utility bills until the house closes
Homeowners association (HOA) fees
Professional cleaning or junk removal
Pre-inspections (optional but useful)
Time on the market—each month it doesn’t sell, you’re paying taxes, insurance, and upkeep

These add up quickly. Depending on your location and how long the house sits, hidden costs could total $1,000–$3,000 or more.

6. How Much Does It Cost to Sell a House? (Let’s Crunch the Numbers)

So, how much does it cost to sell a house? The truth is that every property, market, and sales method is a little different. Even so, sellers in the U.S. (and West Michigan) pay 8 %–10 % of the final sale price once commissions, closing fees, repairs, and holding costs are tallied.

Below is a side‑by‑side look at three common price points so you can see exactly where the money goes. Use this as a starting point, then plug in your own numbers for a more precise estimate.

	Entry‑Level Home	Mid‑Range Home	Higher‑End Home
Likely Sale Price	$175 000	$300 000	$450 000
Listing Agent (3 %)	$5 250	$9 000	$13 500
Buyer Agent (3 %)	$5 250	$9 000	$13 500
Closing Costs (2 %)	$3 500	$6 000	$9 000
Typical Repairs/Staging	$2 000	$4 000	$6 000
Holding Costs (2 months)	$1 000	$1 800	$2 800
Total Out‑of‑Pocket	$17 000	$29 800	$44 800

Note: Numbers are illustrative averages. Actual costs vary by condition, location, and market speed.

Why These Costs Add Up Quickly

Commissions compound. Even a modest price increase adds thousands in agent fees.
Closing fees scale with price (transfer tax, title insurance, and escrow charges are percentages).
Carrying costs (mortgage, taxes, utilities) keep ticking until the deed transfers, which in Michigan is often 60–90 days after listing.
Repair budgets expand when inspections uncover hidden issues.

If you’d like an online calculator, try NerdWallet’s home‑sale cost estimator for a quick estimate. citeturn0news3

When a Cash Offer Saves You Money

Because a direct cash buyer like Hometown Development eliminates commissions, covers most closing fees, and buys as‑is, the effective cost to sell often shrinks to 1 %–2 % (mostly state transfer tax). As a result, many sellers keep nearly the same net proceeds—without months of uncertainty.

In the next section we’ll compare real‑world totals so you can see the difference first‑hand.

Want to see a live calculator? Try NerdWallet’s Cost to Sell a House Estimator

7. How to Save Money When Selling Your Home

If you’ve just realized how expensive selling a house can be—don’t panic. You actually have more control than you might think. Many sellers are surprised to learn how much they can save simply by avoiding the traditional path or rethinking their strategy.

Here are proven, practical ways to save money when selling your home:

🏡 1. Skip the Agent and Sell Directly

Real estate agents can add value, but they also charge thousands in commissions. If your goal is to walk away with more of your equity, consider selling For Sale By Owner (FSBO) or working with a local cash buyer like Hometown Development. This alone can save you 5–6% of your home’s value.

🔨 2. Avoid Costly Repairs by Selling As-Is

Don’t have time—or money—for home improvements? No problem. A traditional buyer might request upgrades, but a cash buyer will purchase your home exactly the way it is. That means no contractor quotes, no last-minute fixes, and no renovation headaches.

📸 3. Cut Unnecessary Listing Costs

Things like professional photography, home staging, and premium online listings all add up. While these can be helpful in a slow market, they aren’t always necessary—especially if you sell off-market. If your home is priced right or going to a cash buyer, you can skip these extras and save.

💡 4. Sell Faster to Reduce Carrying Costs

The longer your house sits on the market, the more you pay in monthly expenses like:

Mortgage interest
Property taxes
Utilities
Home insurance

A quick close, especially through a cash offer, can save you hundreds—or even thousands—of dollars just by cutting your timeline down from months to days.

💼 5. Compare All of Your Selling Options

It’s easy to assume that the highest offer is the best offer. But that’s not always true. A higher offer from a traditional buyer might require:

Repairs after inspection
Appraisal negotiations
Long closing timelines
Contingencies that could fall through

By contrast, a cash buyer offers certainty, no delays, and no surprise deductions. So even if the offer is slightly lower, your net proceeds could be the same—or even higher.

🧾 6. Ask for a Seller Net Sheet

Whether you work with a Realtor, a cash buyer, or a title company, always ask for a Seller Net Sheet. This document will give you a breakdown of:

Estimated agent fees
Closing costs
Repair concessions
Mortgage payoff
Expected cash to you at closing

It’s one of the best tools to help you understand where you’re saving—or overspending.

💸 7. Work With a Local Cash Buyer Who Covers the Costs

Companies like Hometown Development buy homes across West Michigan and cover most of the costs for you. That includes:

No commissions
Most or all of your closing costs
Buying your home as-is
Flexible move-out dates

This means you can walk away with more of your home’s value—and less stress.

Learn more about how selling to a cash buyer works

8. How Much Does It Cost to Sell a House in West Michigan?

If you’re selling in Kent, Ottawa, or Ionia County, your costs may vary slightly—but the basics still apply. Taxes, title fees, and commission structures are all very similar across the state. However, one thing that makes a difference is whether you sell traditionally or to a local cash buyer.

At Hometown Development, we’re based in West Michigan and offer:

No repair requests
No agent commissions
We cover most closing costs
A fair cash offer within 48 hours
Closings in as little as 7 days

We’ve helped homeowners in:

Kent County (Grand Rapids, Kentwood, Wyoming, Rockford, Caledonia)
Ottawa County (Holland, Grand Haven, Jenison, Hudsonville)
Ionia County (Belding, Saranac)
Nearby areas (Fruitport, Muskegon, Norton Shores, Wayland)

Final Thoughts: Selling a House Isn’t Free—But It Doesn’t Have to Be Stressful

If you’re asking, “how much does it cost to sell a house,” the honest answer is: it depends. But with the right plan and the right buyer, you can keep more money in your pocket.

Whether you want to go the traditional route or skip the hassle and sell to a local buyer like Hometown Development, understanding your costs is the first step to making the best choice for your situation.

👉 Click here to request your free, no-obligation cash offer

I Want to Sell My House Urgently—And Still Get a Fair Cash Offer

Posted on 16.04.202516.04.2025 by Hanna Cena

If you’ve been thinking, “I want to sell my house urgently,” you’re not alone—and you’re not out of options. Many homeowners find themselves needing to sell quickly, whether it’s due to sudden relocation, financial strain, or life changes like divorce or inheriting a property. The good news?

You don’t have to panic. With the right strategy, you can sell your home fast, fairly, and without the stress. This guide will show you how.

What It Means When You Say “I Want to Sell My House Urgently”

Selling a house urgently doesn’t mean cutting corners or accepting an unfair deal. It simply means you want to move quickly through the selling process—ideally in days or weeks rather than months.

When homeowners need to sell urgently, they often:

Need to relocate for a job
Are going through a divorce or separation
Have inherited a home they don’t want or can’t maintain
Are facing foreclosure or financial pressure
Want to avoid long and expensive listing processes

Understanding your reason can help you choose the best method to sell.

Why Homeowners Need to Sell a House Fast

Everyone’s situation is different, but here are the most common reasons people need a quick sale:

1. Job Relocation

A new job might require you to move within weeks. Selling fast helps you avoid paying for two homes or being stuck in transition.

2. Divorce or Separation

During a divorce, selling the home can simplify asset division and help both parties move forward.

3. Inherited Homes

If you’ve inherited a house that needs repairs or is far from where you live, selling fast might be the most practical choice.

4. Facing Foreclosure

When mortgage payments are missed, acting quickly can help avoid foreclosure and protect your credit.

5. Financial Hardship

Whether it’s medical bills or unexpected expenses, selling a house fast can give you a financial reset.

Whatever the reason, a fast sale doesn’t have to mean giving your house away.

The Fastest Ways to Sell Your Home Urgently

If you’re saying, “I want to sell my house urgently,” there are a few options that move faster than others.

Option 1: Sell to a Cash Buyer

Cash buyers—like Hometown Development—can close in as little as 7–10 days. There’s no need for appraisals, banks, or drawn-out negotiations.

Option 2: FSBO (For Sale By Owner)

Selling your home yourself can eliminate agent delays, but you’ll need to handle paperwork, marketing, and showings on your own.

Option 3: Real Estate Auction

An auction is fast but not guaranteed. You might sell at a lower price, and there are usually fees involved.

Option 4: List with an Agent Who Specializes in Fast Sales

Some agents focus on quick sales and work with investors, but they still take commission fees and may need time for marketing.

Each method has pros and cons, so consider what matters most—speed, simplicity, or price.

Pros and Cons of Fast Home Selling Options

To help you decide, here’s a simple breakdown:

Method	Speed	Cost	Control
Cash Buyer	Very Fast	No fees	High
FSBO	Medium	Low	Very High
Auction	Fast	Auction fees	Low
Agent (Fast Sale)	Medium-Fast	5–6% Commission	Medium

Selling to a reputable cash buyer gives you the most control and speed, especially when you’re on a tight timeline.

How to Prepare Your Home for a Quick Sale

Even if time is tight, a little effort goes a long way. These tips can help your home sell faster:

1. Clean and Declutter

Make a strong first impression with a clean space—even if you’re not renovating.

2. Price It Right

Don’t overprice. In urgent situations, a fair price attracts more buyers quickly.

3. Be Available

Make your home easy to show. The more people see it, the faster it will sell.

4. Fix Easy Issues

Small fixes like tightening doorknobs or patching holes can go a long way.

For a full guide, check out Zillow’s article on preparing to sell your home.

I Want to Sell My House Urgently — Here’s What to Avoid

Urgency can lead to rushed decisions. Here’s what NOT to do:

❌ Don’t Skip Legal Disclosures

Even in a fast sale, you must disclose known issues with the property.

❌ Avoid “Too Good to Be True” Offers

If a buyer seems overly eager or asks for money upfront, it might be a scam.

❌ Don’t List Without a Plan

Whether FSBO or using an agent, you need a clear process to avoid delays.

❌ Don’t Ignore Title or Tax Issues

Unresolved liens or tax problems can stop your sale in its tracks. Be upfront.

Selling Urgently? Hometown Development Can Help

At Hometown Development, we work with people who need to sell fast. Whether your home needs repairs or you’re facing a time crunch, we can help.

Here’s why Michigan homeowners trust us:

We buy houses in any condition
You get a cash offer within 24–48 hours
You pick the closing date—as soon as 7 days
No showings, no repairs, no stress

We’re based in West Michigan and serve:

Kent County: Grand Rapids, Kentwood, Wyoming, Rockford, Sparta, Lowell
Ottawa County: Holland, Grand Haven, Jenison, Hudsonville
Ionia County: Belding, Saranac
Nearby areas: Muskegon, Fruitport, Norton Shores, Middleville, Wayland

👉 Get your free, no-obligation cash offer here

Final Thoughts: Yes, You Can Sell Your House Fast

If you’ve been thinking, “I want to sell my house urgently,” remember—you’re not stuck. With the right steps, you can move forward quickly and confidently.

Whether you choose to list, go FSBO, or work with a cash buyer like Hometown Development, you’ve got options. Take the first step today and start your next chapter.

Need help? We’re ready when you are. Contact Hometown Development and get a free cash offer today!

Free Paperwork for Selling a House by Owner: The Untold Truth

Posted on 09.04.202510.04.2025 by Hanna Cena

Selling a house is already a big decision, but doing it on your own? That’s next level. Many homeowners today are choosing to sell their homes without an agent to save on fees and have more control. But one question keeps coming up: what’s the deal with free paperwork for selling a house by owner?

In this guide, we’ll break it all down in simple terms. You’ll learn which documents you actually need, where to find them for free, and how to avoid common mistakes. Whether you’re in Grand Rapids or Norton Shores, this article will help you feel more confident about the paperwork side of selling your home solo.

Why More People Are Selling a House Without a Realtor

Selling a house without a real estate agent—also called “For Sale By Owner” (FSBO)—has become more popular, especially in markets where homes are moving fast.

Here’s why people go this route:

1. Save on Commission Fees When Selling Your Home

One of the biggest perks is saving money. Real estate agents usually charge 5–6% of the home’s sale price. On a $250,000 home, that’s up to $15,000!

2. Take Full Control of the Home Sale Process

When you sell FSBO, you set your own rules. You schedule showings, negotiate directly, and don’t have to rely on a middleman.

3. Online Tools Make Selling a House by Owner Easier

Thanks to sites like Zillow, Redfin, and FSBO.com, homeowners have access to pricing data, listing platforms, and marketing tools they didn’t have before.

Must-Have Free Paperwork for Selling a House by Owner

If you’re doing this solo, don’t stress. The paperwork is manageable—and you can get most of it for free.

Key Documents You’ll Need to Sell a House by Owner:

Property Deed
Purchase and Sale Agreement
Seller’s Disclosure Statement
Lead-Based Paint Disclosure (for homes built before 1978)
Property Survey or Legal Description
Payoff Statement From Your Lender
Final Settlement Statement (HUD-1 or Closing Disclosure)
Bill of Sale (for personal property included)
Title Documents or Title Insurance Info

Michigan sellers are also required to complete the Michigan Seller Disclosure Statement (Form FIS 0486).

Where to Download Free FSBO Paperwork Online

Here’s the good news—you don’t have to pay for expensive legal services to access these forms. There are plenty of free and trustworthy sources online.

Best Places to Find Free Paperwork for Selling a Home:

eForms
Rocket Lawyer
Your Local County Website
Michigan.gov
Local Title Companies

Before downloading, double-check that the forms are specific to Michigan. Real estate laws vary by state.

Tips to Fill Out FSBO Paperwork Without Mistakes

Once you have the right paperwork, the next step is to fill it out properly. A mistake here can delay the sale—or worse, lead to legal trouble.

Pro Tips:

Use Your Legal Name
Be Accurate With Property Details
Disclose Known Issues Honestly
Never Leave Blank Spaces
Keep Both Paper and Digital Copies

Still unsure? Many title companies and attorneys offer document review for a low flat fee.

Mistakes to Avoid When Using Free House Selling Documents

Nobody’s perfect, but there are a few slip-ups you’ll want to avoid during your FSBO sale.

Common Errors in FSBO Paperwork:

Using Generic or Outdated Forms
Skipping Required Disclosures
Forgetting Lead Paint Disclosure
Not Notarizing Important Documents
Overlooking Lender Requirements

A quick consultation with a local expert can save you time and future problems.

Free Paperwork for Selling a House by Owner: Is It Enough?

This is the big question. Can you actually sell your house just using free documents? The answer is—yes, if you’re organized and your transaction is simple.

However, FSBO isn’t for everyone. If your home needs repairs, you’re facing a tight timeline, or you’re overwhelmed by paperwork, there’s another option.

Skip the Paperwork and Sell Your House the Simple Way

Companies like Hometown Development simplify the process by handling all the legal work for you. You’ll still get a fair offer—without the headache of filling out forms, coordinating with multiple people, or waiting for months.

Sell Your Michigan Home Without an Agent — and Without the Stress

If you’re in Grand Rapids, Kentwood, Wyoming, Rockford, Sparta, Comstock Park, Holland, Grand Haven, Jenison, Hudsonville, Belding, Saranac, Muskegon, Fruitport, or Norton Shores, you don’t have to go through this process alone.

At Hometown Development, we:

Buy homes as-is
Pay cash with no hidden fees
Close on your timeline
Handle all the paperwork for you

👉 Click here to get a free, no-obligation cash offer

You can sell your house—without the paperwork stress. Let us do the hard part so you can move on faster.

Final Thoughts: Selling a House by Owner Is Possible

Selling your house on your own is doable—and free paperwork makes it more affordable. Just make sure you’re using the right documents, filling them out completely, and protecting yourself legally.

And if it ever feels like too much? We’re right here when you’re ready.

📍 Serving homeowners across Kent, Ottawa, and Ionia counties—and beyond.

Selling House As Is in Michigan – Fast & Hassle-Free Tips

Posted on 06.04.202509.04.2025 by Hanna Cena

If you’ve been thinking about selling your home but don’t have the time, energy, or money to fix it up, you might be wondering about selling the house as is. It sounds simple, right? But what does it actually mean? And is it the right choice for you?

In this guide, we’ll break down what “as-is” really means, when it makes sense, and how you can sell your home this way without feeling overwhelmed.

Whether you’re in Grand Rapids or Fruitport, this guide is written with you in mind—simple, straightforward, and easy to follow.

Selling House As Is: What It Really Means for You

Selling a house as is means exactly what it sounds like—you sell the home in its current condition. You’re telling potential buyers upfront: “I’m not making any repairs. What you see is what you get.”

This doesn’t mean you can hide problems. In most states, including Michigan, you’re still required to disclose known issues with the property. But you won’t be expected to fix anything before closing.

Common issues found in as-is homes:

Outdated kitchens or bathrooms
Roof or foundation damage
Plumbing or electrical problems
Cosmetic wear and tear

Buyers understand that a home sold as-is may need work—and that’s often why they’re able to get it at a better price.

For more about disclosure laws in Michigan, check out Michigan Seller Disclosure Act.

When Should You Consider Selling a House As Is?

There are many situations where selling as is just makes sense:

1. You’ve Inherited a Home

Maybe the property is far from where you live, or maybe it needs a lot of work. Selling as is can help you avoid the hassle.

2. You’re Going Through Divorce or Separation

When emotions and logistics are high, dealing with repairs and showings isn’t always realistic. Selling as-is helps keep things simple.

3. Financial Hardship

If you’re behind on your mortgage, facing foreclosure, or dealing with medical bills or job loss, fixing up a house may not be possible.

4. Relocating Quickly

Whether for work or family reasons, if you need to move fast, you don’t have time to wait for repairs and open houses.

5. The Home Needs Major Repairs

Sometimes the cost of fixing a property outweighs the benefit. If your home needs a new roof, updated plumbing, or other major fixes, selling as is can save time and money.

Pros and Cons of Selling House As Is

Let’s keep it real—selling as-is has both ups and downs. Here’s what to expect:

Pros:

Faster Sale: No need to spend weeks or months prepping the home.
Save Money: Avoid repair and renovation costs.
Less Stress: No contractors, showings, or inspections to worry about.
Sell On Your Terms: Especially helpful in life transitions like inheritance or divorce.

Cons:

Lower Offers: Buyers may offer less because they know they’ll need to make repairs.
Limited Buyer Pool: Not every buyer wants a fixer-upper.
Disclosure Is Still Required: You can’t skip being honest about the home’s condition.

Still, for many sellers, the pros outweigh the cons—especially when time and simplicity matter most.

How to Prepare Your Home When Selling House As Is

Even though you’re not making repairs, a little effort can still go a long way. Here’s how to get your house ready:

1. Clean and Declutter

This helps buyers focus on the home’s potential, not the mess. A clean space always shows better.

2. Be Honest About Issues

Full disclosure helps build trust. If you know there’s a leaky pipe or roof damage, say so. Buyers appreciate honesty.

3. Gather Paperwork

Make sure you have things like your property deed, utility bills, and any past repair receipts. The smoother your process, the better.

4. Take Good Photos

If you’re listing online, even an as-is home should look its best. Natural light and tidy rooms make a difference.

Selling House As Is: Can You Still Get a Fair Offer?

Many people assume that selling as is means settling for a lowball offer. That’s not always true. You can still get a fair price—it just depends on the buyer and how you approach the sale.

Here’s what influences the offer:

Location of the home
Condition compared to similar properties
Local market trends
How quickly you need to sell

By working with experienced buyers (like Hometown Development), you can get a price that reflects your home’s real value—without the long wait.

Selling House As Is: Here’s How the Process Works

Let’s walk through what the as-is selling process looks like from start to finish:

Initial Contact: Reach out to a cash buyer or investor.
Quick Walkthrough or Photo Review: Many buyers can make an offer based on photos or a short visit.
Get a Cash Offer: Usually within 24 to 48 hours.
Review the Offer: Accept it if it works for you. No pressure.
Close on Your Timeline: You pick the date. It can be as fast as 7 days or as long as a few months if you need time to plan.

If you want a more detailed view of how this works, visit Hometown Development’s How It Works page.

Why More West Michigan Sellers Are Choosing to Sell As Is

Michigan sellers—especially in Grand Rapids, Holland, Muskegon, and Belding—are realizing that selling as-is isn’t just an easy way out. It’s a smart solution for people who value time, flexibility, and peace of mind.

You don’t have to fix up the bathroom. Hosting open houses isn’t necessary either. And there’s no need to stress about a buyer’s financing falling through.

Whether it’s a home you’ve inherited, a property you’ve outgrown, or a house that’s simply too expensive to fix—selling as is might be your best move.

Sell Your Home As Is Fast with Hometown Development

At Hometown Development, we help homeowners sell without the stress. We’re a local team that understands the real estate market across:

Kent County: Grand Rapids, Kentwood, Wyoming, Rockford, Sparta, Lowell
Ottawa County: Holland, Jenison, Hudsonville, Zeeland, Grand Haven
Ionia County: Belding, Saranac
Nearby Areas: Muskegon, Middleville, Wayland, Fruitport, and more

We’ll give you a fair cash offer, no pressure, and we’ll work on your schedule—not ours.

👉 Click here to get your free cash offer

Whether your home needs repairs or you just want to move quickly, we’re here to help you every step of the way.

How Long Does It Take to Sell a House? You Might Be Surprised!

Posted on 03.04.202509.04.2025 by Hanna Cena

If you’re planning to sell your home, one of the first questions you might ask is: how long does it take to sell a house? The answer isn’t always simple. It depends on many things, like where you live, your home’s condition, and how you choose to sell it. In this blog, we’ll walk you through everything you need to know—in clear, simple language—so you can make the best choice for your situation.

1. What Can Affect How Long It Takes to Sell Your House?

Several key factors can impact the time it takes to sell a house:

Location: Homes in popular or fast-growing areas tend to sell quicker than homes in rural or declining areas.
Time of Year: Spring and early summer are often considered the best times to sell. Homes can take longer to sell in winter.
Home Condition: Updated, clean, and move-in-ready homes usually sell faster than homes needing major repairs.
Price: Overpricing can cause your home to sit on the market longer. A well-priced home gets more interest right away.
Buyer Financing: If a buyer needs a mortgage, the process may take longer. Cash buyers can close more quickly.

These variables can either speed up or delay your sale. That’s why setting realistic expectations is important.

2. How Long Does It Take to Sell a House in Michigan vs. National Average

According to Zillow, the average home in the U.S. sells in about 55 to 70 days. That includes the time it takes to get an offer and the time needed to close.

In Michigan, though, it can vary:

Hot areas like Grand Rapids and Holland may see quicker sales.
Rural areas or homes in poor condition may take longer to sell.

Market conditions also play a role. In a seller’s market (where there are more buyers than homes), things move faster. In a buyer’s market (more homes than buyers), it takes more time.

3. Traditional Timeline: How Long Does It Take to Sell a House the Usual Way?

Let’s break down what typically happens when selling through a real estate agent:

First 1–2 Weeks: Preparing the Home

Cleaning, painting, repairs
Staging for showings
Taking listing photos

By Weeks 3–5: Listing and Showings

Posting the home on MLS and other platforms
Hosting open houses and private showings

Next Phase (Weeks 6–7): Receiving Offers and Negotiating

Reviewing buyer offers
Going back and forth on price, contingencies, etc.

Weeks 8–10: Under Contract to Close

Home inspection
Appraisal
Buyer financing and final walk-through

All in all, the process often takes 2 to 3 months or longer, especially if issues come up with inspections or buyer financing.

4. What Slows Down the Home Selling Process?

Even when everything goes smoothly, several things can add delays:

Overpricing: This is a big one. If your price is too high, your home could sit for weeks with no offers.
Repairs and Renovations: Some buyers want move-in-ready homes, so homes needing work may not sell as fast.
Buyer Loan Issues: A buyer may get denied for a mortgage or need extra time for approval.
Home Appraisal Gaps: If the appraisal comes in lower than the offer, it can cause renegotiations or cancellations.
Title Issues: Unpaid taxes, liens, or inheritance complications can delay closing.

The more steps you can simplify, the faster your sale will likely go.

5. Want to Sell a House Fast? Here’s How to Make It Happen

If you’re looking to speed up the process, here are a few proven tips:

Price it right from the start. Use comps from your area to set a competitive price.
Clean and declutter. A tidy home makes a great first impression.
Be flexible with showings. The easier it is for people to see your home, the faster it might sell.
Work with experienced professionals. Whether it’s an agent or a cash buyer, having the right team matters.

Still, if you’re short on time or just want to skip the stress, there’s another option…

6. How Long Does It Take to Sell a House With a Cash Buyer?

Wondering how long it takes to sell a house if you skip the traditional process? With a reputable cash buyer, you can often close in as little as 7 to 10 days.

Here’s how it usually works:

Contact a cash buyer and provide some basic info about the house.
Get a fair, no-obligation cash offer—often within 24 to 48 hours.
Choose your closing date based on your needs—some sellers move quickly, while others take more time.
Finalize the paperwork and close. No showings, no lender delays, and no repair costs.

At Hometown Development, this process is what we specialize in. Our goal is to make selling your house quick, easy, and stress-free. You can learn more about how our process works by visiting our How It Works page.

This type of sale is especially helpful for people going through foreclosure, inheriting a property, relocating, or dealing with unexpected life changes. When time matters, having a trusted local buyer can make all the difference.

7. Why Working With a Local Buyer Speeds Things Up

Big national companies may take longer and make you feel like just another number. Local buyers in West Michigan understand the neighborhoods, housing styles, and market conditions—and they bring a more personal, flexible approach to the table.

When you work with a local buyer like Hometown Development, you’re partnering with people who live and work in the same communities as you. They’re not working off a national script or passing you off to multiple departments. That means quicker answers, faster decisions, and more flexibility.

Benefits of working with a local buyer like Hometown Development:

Familiar with West Michigan neighborhoods: From Grand Rapids and Wyoming to Rockford, Holland, and nearby towns, they understand what matters in your market.
Faster home visits and evaluations: A local buyer can stop by in person and make an offer based on real insight, not a computer algorithm.
Streamlined process without the wait: No long approval chains or bank delays. Just a straight path to a fast sale.
They care about your situation: Local buyers build relationships. You’re not just a number on a spreadsheet.

Choosing a local team means you get the speed of a cash buyer with the trust and attention of a neighbor who’s ready to help.

8. How Long Does It Take to Sell a House in Today’s Market?

With changing market conditions, economic shifts, and seasonal trends, many sellers ask: how long does it take to sell a house in today’s market? The answer can change from month to month and city to city.

In competitive markets like Grand Rapids or Holland, homes may receive offers in days. In slower markets or for homes that need work, the timeline can stretch out.

Staying informed is key:

Watch local real estate trends
Look at how long similar homes in your area take to sell
Consider the time of year and buyer activity levels

Whether you’re selling traditionally or looking for a faster alternative, understanding the current market can help you make the best move at the right time.

9. Ready to Sell? We Buy Houses Fast in West Michigan

If you’re ready to sell and don’t want to wait months, Hometown Development is here to help.

We buy houses fast in:

Kent County (Grand Rapids, Wyoming, Kentwood, Rockford, Sparta, Lowell)
Ottawa County (Holland, Jenison, Hudsonville, Zeeland, Grand Haven)
Ionia County (Belding, Saranac)
And nearby areas like Middleville, Wayland, Muskegon, and Fruitport

No repairs needed. No extra fees. Close on your timeline. Just a fair, local cash offer that works on your timeline.

👉 Click here to request your free, no-obligation cash offer

Final Thoughts: The Timeline Is Up to You

So, how long does it take to sell a house? The truth is—it depends. Selling the traditional way can take a few months or more. But if you’re in a situation where speed matters, working with a trusted local buyer like Hometown Development can save you time, money, and stress.

Whatever you decide, just know you have options. And if you ever need help, Hometown Development is just a click or call away.

Inherited a House? Don’t Miss These Smart Next Steps

Posted on 28.03.202509.04.2025 by Hanna Cena

Inherited a House? Here’s What You Can Do With It

Inheriting a house can bring up a mix of emotions—grief, confusion, maybe even stress. While it’s a generous gift, it also comes with big decisions. One of the most common questions is: What should I do with this inherited house?

Whether the property needs repairs, is located far away, or you’re unsure how to handle it with other family members, don’t worry. You’re not alone—and you do have options. In this guide, we’ll walk you through everything you need to know in simple terms, so you can make the right choice for your situation.

1. What Does It Mean to Inherit a House?

Before we talk about what to do, let’s break down what it actually means to inherit a house.

When someone passes away and leaves their home to you—either through a will, a trust, or as part of their estate—that’s called inheriting a house. This can happen if you’re a child, spouse, sibling, or other relative of the deceased.

Sometimes you’ll inherit a house by yourself, and sometimes you’ll share it with other family members (called co-heirs). The property may come with a mortgage, property taxes, or even back bills attached to it.

In many cases, this all happens through a legal process called probate. If you want to understand probate in more detail, we recommend this helpful guide from Nolo.

2. What Are Your Options After Inheriting a House?

Once the house is officially yours, you have three main options:

✅ 1. Move Into the Home

If you’re interested in living there yourself, you can choose to make it your primary residence. This may be a good choice if the house is paid off or in good condition.

✅ 2. Rent It Out

Some people choose to turn the home into a rental property. This could bring in monthly income—but you’ll need to be ready to manage tenants, repairs, and maintenance.

✅ 3. Sell the Property

Many people decide that selling the house is the best option—especially if they already have a home or live out of state. Selling lets you avoid ongoing costs and move forward.

Not sure which route to take? Start by asking:

Do I want to live in the home?
Can I afford the maintenance, taxes, and insurance?
Do I want to manage renters?
Is this house creating stress or peace?

Your answers will help guide your decision.

3. Check These Things Before Making a Final Decision

Before you take action, there are a few important steps to check off:

🔍 Is the Mortgage Paid Off?

Some inherited houses are owned free and clear. Others still have a mortgage—or worse, are behind on payments. You’ll want to contact the mortgage company to understand what’s owed.

🧾 Has Probate Been Completed?

If the home is still in probate, you may not be able to sell it yet. You’ll need to wait until the court officially transfers ownership to you. If it was held in a living trust, probate may not be needed.

👨‍👩‍👧 Are There Multiple Heirs?

If you’re not the only person who inherited the home, you’ll need to agree with co-heirs about what to do. You can either:

Buy out the others
Sell and divide the profits
Co-own the house together (not always ideal)

🧾 Are There Any Outstanding Bills?

Check for unpaid property taxes, liens, or utility bills. These need to be settled before or during a sale.

4. How to Sell an Inherited House in Michigan

Selling is a popular choice—especially when the house is too far away, needs major work, or feels like more responsibility than you’re ready to take on.

Here’s how to sell an inherited house step by step:

Step 1: Transfer Ownership

If the house is still in the deceased person’s name, work with a probate attorney to legally transfer it to yourself or the rightful heirs.

Step 2: Talk to Co-Heirs (if applicable)

If others are involved, meet to discuss what to do with the home. Agree to sell, split profits, or transfer it to one person.

Step 3: Decide How You Want to Sell

You can:

List with a realtor (takes time, may need repairs and updates)
Sell it yourself (FSBO) (you handle all paperwork, marketing, etc.)
Sell to a cash home buyer (fast, no repairs, no fees)

If the home is outdated, has damage, or you’re on a tight timeline, selling to a cash buyer can be the simplest way.

5. Can I Sell an Inherited House As-Is?

Yes, and many people do.

Selling a house as-is means you don’t fix it up, clean it out, or update anything before the sale. This is especially helpful if:

The house has old plumbing, roofing, or electrical work
It’s been sitting empty for months or years
There’s too much stuff left behind
You live in another city or state

A cash buyer or real estate investor will buy the home in its current condition—saving you the time, money, and stress of preparing it for the market.

For more about this, check out HomeLight’s guide to selling as-is.

6. Why Many Sellers Choose a Quick Sale

Selling an inherited house fast isn’t just about convenience—it’s about peace of mind. Here are common reasons people choose to sell quickly:

✅ They Don’t Live Nearby

Managing a property from far away can be costly and exhausting.

✅ The Home Needs Too Many Repairs

If the house is outdated, damaged, or cluttered, prepping it for a traditional sale may feel impossible.

✅ They’re Paying Out-of-Pocket

You might already be covering utilities, taxes, or mortgage payments you didn’t plan for.

✅ They Want to Avoid Family Conflict

Selling fast with a clean split can help avoid arguments among heirs.

✅ They Just Want to Move On

For many, letting go of the property helps with emotional closure after losing a loved one.

7. Tips to Make the Process Easier

Dealing with an inherited home doesn’t have to be overwhelming. Here are some ways to reduce stress:

✅ Gather all paperwork early (will, death certificate, mortgage details)
✅ Stay in communication with co-heirs
✅ Work with professionals you trust
✅ Don’t rush—take the time you need to feel ready
✅ Explore selling options without pressure

You’ve got this—and there are people who can help.

8. Inherited House in West Michigan? We’re Here to Help

If you’ve inherited a house in Kent, Ottawa, or Ionia County, or nearby towns like Grand Rapids, Wyoming, Holland, Jenison, Belding, or Rockford, Hometown Development is ready to help you through the process.

We buy inherited houses in any condition—no cleaning, no repairs, no long wait. Whether the home is in probate, occupied, or completely empty, we can give you a fair, no-pressure cash offer and close when you’re ready.

👉 Get a free cash offer here
Or call us directly to talk through your situation with someone local.

Final Thoughts: You Have Options With an Inherited Home

An inherited house may feel like a burden, a blessing, or something in between. No matter where you are emotionally or financially, just know this: you are allowed to move forward in a way that’s best for you.

Whether you keep the home, rent it, or sell it, there’s no “right” answer—just the one that works for your life.

If selling feels like the best step, there are people right here in Michigan ready to support you.

Can You Sell a House in Foreclosure ? Yes—Here’s How

Posted on 27.03.202522.04.2025 by Hanna Cena

If you’re going through a difficult financial time and have fallen behind on your mortgage, you may be wondering, can you sell a house in foreclosure? The short answer is yes—you can. And better yet, doing so might actually help you avoid even more damage to your credit or finances.

This guide breaks down everything you need to know in a way that’s easy to understand. Whether you’re just starting to fall behind or already in the foreclosure process, you still have time and options. Let’s walk through it together.

Understanding Foreclosure in Simple Terms

Before we talk about selling your house, let’s make sure you understand what foreclosure really means.

Foreclosure is the legal process your lender starts when you’ve missed too many mortgage payments. In most cases, this happens after 3 to 6 months of non-payment. The bank is trying to get back the money they loaned you by taking ownership of your house and selling it.

In Michigan, most foreclosures are non-judicial, meaning they don’t need to go through the court system. This process ends with a sheriff’s sale, where your home is sold at auction.

But here’s the key point: Until the auction is complete and the redemption period expires, you still legally own your home. That means you have time to sell it—if you act quickly.

For a helpful legal overview of Michigan foreclosure laws, check out Michigan Legal Help.

Yes, You Can Sell a House in Foreclosure (But Timing Matters)

This is the most important question: can you sell a house in foreclosure? Yes, but only if you do it before the foreclosure process fully ends.

There are two windows when you can sell:

🟢 1. Before the Sheriff’s Sale (Pre-Foreclosure)

This is the best time to sell. The home is still 100% in your name. If you find a buyer and close the sale before the sheriff’s auction, you can use the money to pay off the mortgage and stop foreclosure completely.

🟡 2. During the Redemption Period (After the Auction)

In Michigan, homeowners usually get 6 months after the sheriff’s sale to “redeem” the property. If you can sell the home and pay back the auction price plus fees, the deal can still go through.

Selling during either of these timeframes is legal and possible, but it takes speed and a buyer who can move fast—like a cash buyer or real estate investor.

Why Sell Your Home During Foreclosure?

There are several smart reasons homeowners decide to sell before foreclosure finalizes:

✅ Avoid Long-Term Credit Damage

A completed foreclosure can hurt your credit for up to 7 years. Selling the home before the process ends can help avoid that.

✅ Take Back Control

Selling puts the power in your hands—not the bank’s. You get to decide how and when to move.

✅ Stop Harassing Calls

Once you agree to sell, many lenders pause collection activity.

✅ Keep Some Equity

If your home is worth more than what you owe, selling might allow you to keep the leftover money after the mortgage and fees are paid.

Step-by-Step Guide to Selling a House in Foreclosure

Now that you know you can sell a house in foreclosure, let’s break down how to actually do it:

Step 1: Talk to Your Lender

Let your mortgage company know that you’re working on selling the home. Some lenders may temporarily delay the foreclosure process if they know a sale is in progress.

Step 2: Get a Payoff Statement

Ask your lender for the payoff amount, which includes your mortgage balance, late fees, legal costs, and interest. You’ll need this to know how much your sale must cover.

Step 3: Choose the Right Selling Method

Traditional agent sale: Takes more time, may involve repairs, inspections, and buyer financing delays.
Cash sale to investor: Faster, no repairs needed, no agent commissions.

Step 4: Close the Sale

If you’ve agreed to a cash sale, the buyer can usually close in as little as 7–10 days. At closing, the lender gets paid and the foreclosure process is stopped.

Can You Sell a House in Foreclosure Without Making Repairs?

Yes—and this is where many homeowners breathe a sigh of relief. Most traditional buyers expect a home to be move-in ready. That means fixing up everything from plumbing and paint to appliances and flooring.

But when you’re already behind on mortgage payments, spending thousands on home repairs probably isn’t an option.

Luckily, you can sell your home as-is to a real estate investor. These buyers purchase properties in any condition, handle the repairs themselves, and move quickly to close.

They’re not scared by broken windows, old roofs, or outdated kitchens. They’re focused on helping you move on without added expenses or stress.

For an example of how this process works, see HomeLight’s article on selling a house as-is.

Why Cash Buyers Are a Great Option for Foreclosure Situations

Let’s be honest—when time is tight, you don’t want to deal with open houses, bank delays, and endless paperwork.

Here’s why cash buyers can be the best solution:

✅ Close in days, not months
✅ No need to fix up the house
✅ No showings or open houses
✅ No agent fees or closing costs
✅ Help with paperwork and communication with your lender

If you’re already feeling overwhelmed, this kind of support can make a tough situation much easier.

What to Watch Out for When Selling a house during Foreclosure

While selling your house in foreclosure is legal, you do need to be careful. Some buyers may try to take advantage of your situation.

Here’s what to avoid:

🚫 Upfront fees: Never pay a fee just to get an offer.
🚫 High-pressure tactics: You should never feel forced to sign anything.
🚫 Vague terms: Always ask for details in writing.

Choose a local, reputable company that has real reviews and experience helping Michigan homeowners.

Need to Sell Fast in Michigan? We Can Help

At Hometown Development, we work with homeowners across West Michigan who are facing foreclosure. We understand how stressful this situation can be, and we’re here to make the process easier—not harder.

We’ve helped people sell in:

Kent County: Grand Rapids, Kentwood, Wyoming, Lowell, Comstock Park, Sparta, Rockford
Ottawa County: Holland, Grand Haven, Hudsonville, Zeeland
Ionia County: Belding, Saranac
And nearby areas like Muskegon, Middleville, Wayland, Fruitport, and more

No repairs. No commissions. Just a fair, fast cash offer—on your terms.

👉 Click here to request your no-obligation cash offer

We’ll walk you through everything and work on a timeline that fits your needs—even if that’s just a week away.

Final Thoughts: You Have More Power Than You Think

Facing foreclosure is tough, but it doesn’t mean you’re out of options. You can sell a house in foreclosure, and it might just be the best decision you can make to protect your finances and peace of mind.

The most important thing? Don’t wait. The sooner you take action, the more choices you’ll have.

Whether you want to stay in your home or sell it and start fresh, there’s a way forward—and we’re here to help you find it.