Answers by Bob Arthur

Hi Alexa, The only way to purchase a home before it hits the market is to make the homeowner aware that there is a serious, qualified buyer interested. If you prefer not to approach the seller directly, I can handle that for you in a professional and discreet way. I can reach out on your behalf to explore whether they would consider selling off-market, often making the process easier for them by avoiding showings, open houses, and uncertainty. This approach gives you the best chance to secure the home before it becomes publicly available and attracts competing buyers. If you would like some help, you can contact me through my website www.bobarthurgroup.com

Hi Kylie, Great question—this is exactly the kind of situation where the strategy you choose can make a huge difference in what you end up paying in taxes. Since you’ve owned the home for 5 years but only lived in it for 1, you likely won’t qualify for the full $250K/$500K primary residence exclusion (which requires 2 out of the last 5 years). However, there are several legitimate ways you may be able to reduce—or even defer—your capital gains: • Partial Exclusion (often overlooked) If you moved due to work, health, or certain unforeseen circumstances, you may qualify for a prorated exclusion based on the time you lived there. • Move Back In Strategy If it’s an option, moving back in long enough to meet the 2-year requirement could allow you to capture the full exclusion. • Convert to a Rental + 1031 Exchange If you turn it into an investment property, you may be able to defer taxes entirely by rolling the proceeds into another property through a 1031 exchange. • Don’t Forget Your Cost Basis Any improvements you’ve made (remodeling, upgrades, etc.) can help reduce your taxable gain. ⸻ What most people don’t realize is that the difference between these strategies can easily be tens of thousands of dollars—or more—depending on your numbers. If you’re thinking about selling, I’m happy to help you map out a few scenarios side-by-side so you can see the tax impact before making a decision. I regularly work with sellers on this and can also coordinate with a CPA to make sure you’re taking the most efficient path. No pressure at all—just want to make sure you don’t leave money on the table. If you would like my help, you can contact me through my website www.bobarthurgroup.com

Hi Sara, Great question—and honestly, you’re not alone. Most buyers naturally focus on finishes, staging, and overall “feel,” but some of the most important (and expensive) details are the ones you don’t immediately see. Here are a few key things savvy buyers pay attention to during showings that often get overlooked: 1. The Big Systems (Not Just the Pretty Stuff) Take a moment to ask or look for the age and condition of the roof, HVAC, water heater, and electrical panel. These aren’t glamorous—but they can be major cost items shortly after closing. 2. Layout & Functionality Try to picture your daily life in the home. • Does the floor plan flow well? • Are there enough outlets where you need them? • Is there adequate storage? A beautifully staged home can sometimes disguise an awkward layout. 3. Natural Light & Orientation Pay attention to which direction the home faces and how light enters throughout the day. A home that feels bright during a midday showing might feel very different in the morning or evening. 4. Signs of Deferred Maintenance Look beyond fresh paint. Check baseboards, ceilings, under sinks, and around windows for: • Cracks • Water stains • Warping or patchwork repairs These can be early indicators of larger issues. 5. The Neighborhood & Surroundings Step outside for a few minutes. • How close are neighboring homes? • Any noise from streets, schools, or businesses? • Parking situation? What you experience during a 15-minute showing can be very different from day-to-day living. 6. Future Costs & HOA Details If there’s an HOA, don’t just note the monthly dues—ask what it covers and if there are any upcoming assessments. Also consider insurance costs, property taxes, and utility efficiency. 7. Resale Potential Even if you’re planning to stay long-term, it’s smart to think like a future buyer. Unique features, unusual layouts, or location challenges can impact resale down the road. ⸻ Pro Tip: When I walk properties with clients, we go through a quick “buyer checklist” together so nothing gets missed—because it’s easy to fall in love with a home and overlook the details that matter most financially. If you’d ever like a second set of eyes (or even just a checklist you can use on your own), I’m happy to share what I give my clients. It can make a huge difference in making a confident, informed decision. If you would like some help, you can contact me through my website. www.bobarthurgroup.com

Hi Corbin, Great question—and you’re definitely not alone in wondering how this works. The process is actually pretty simple, but understanding your options can make a big difference in how smooth (and successful) your home search is. Here are your main options: 1. Call the listing agent directly You can absolutely call the number on the listing and request a showing. The listing agent represents the seller, so they can open the door and give you access. 👉 Just keep in mind: their primary responsibility is to get the seller the best terms and price—not to advocate for you. 2. Attend an open house If the property is holding one, this is the easiest way to walk in and take a look without any commitment. 3. Work with your own buyer’s agent (recommended) This is where most buyers gain a real advantage. A buyer’s agent schedules showings for you, points out things you might miss, and—most importantly—represents your best interests throughout the process. ⸻ Do you have to pay a Realtor to see a house? In most cases, no. Typically, the seller pays the commission. Written into your purchase offer, you would ask the seller to pay your agent. That means you get professional representation at no direct cost to you. ⸻ Why it’s smart to have your own agent early on: • 🔍 Unbiased guidance – Someone who’s looking out for you, not the seller • 💰 Pricing & negotiation expertise – Helping you avoid overpaying • 🧠 Spotting red flags – Things like deferred maintenance, layout issues, or resale concerns • 📄 Strategy & contracts – Structuring a strong offer when you find “the one” • ⏱️ Access to opportunities – Including off-market or “coming soon” homes you might not find on your own ⸻ The bottom line: Yes, you can go see a home on your own—but having a knowledgeable agent on your side from the beginning usually puts you in a much stronger position, especially in a competitive market. If you’d like, I’m happy to help you schedule a showing, walk you through the process step-by-step, or even set you up with homes that match exactly what you’re looking for (including ones that haven’t hit the market yet). If you would like some help, you can contact me directly through my website. www.bobarthurgroup.com

In California, it’s usually better for the listing agent to meet the appraiser rather than the seller being present. Here’s why: 1. The Listing Agent Can Advocate for the Property Your agent can provide the appraiser with helpful information such as: • A list of recent comparable sales • Upgrades and improvements (with costs and dates) • Unique features that might not be obvious • Neighborhood insights the appraiser may not know This helps ensure the appraiser has the most accurate data to support the value. 2. Sellers Can Accidentally Influence the Process Appraisers are trained to remain independent. If a seller is present: • It can sometimes feel like pressure, even if unintended. • Sellers may point out things emotionally that don’t affect value. Agents are more experienced at presenting information professionally and concisely. 3. The Appraiser May Want Space Often the appraiser will say something like: “Thanks for letting me in — I’ll take it from here.” Agents typically: • Let them in • Provide the information packet • Answer questions • Then step out while measurements/photos are taken 4. Best Practice in California Transactions Most experienced listing agents will: • Meet the appraiser • Bring a “Appraiser Packet” • Highlight upgrades and comps supporting the contract price This can make a big difference if the value is close.

Hi Mark, Absolutely—this is a great question, and the answer is yes, spouses can absolutely buy property separately, but there are a few important details (especially here in California) that you’ll want to handle correctly to make sure it’s truly considered your separate investment. Here’s how it works and how to do it the right way: 1. Title Matters (How You Take Ownership) You can take title as: • “A married person as their sole and separate property” However, in most cases, your spouse will also need to sign a Quitclaim Deed at closing. This document essentially confirms they are giving up any potential claim to the property. 2. Source of Funds is Critical To keep the property as your separate investment: • Use separate property funds (money you had before marriage, inheritance, or a gift) • Avoid using joint accounts if possible If you use commingled or community funds, it can blur the line and potentially give your spouse a claim to the property later. 3. Financing Can Affect Ownership Even if you’re the only one on title: • Lenders may still consider your spouse’s income/debt (depending on the loan type and state laws) • Some loans require the spouse to sign certain documents, even if they’re not on title 4. Filing Taxes Jointly Doesn’t Prevent This Filing jointly does not stop you from owning property separately. That part is totally fine and very common. 5. Consider a Simple Agreement (Optional but Smart) If you really want to make it crystal clear, some couples create a: • Postnuptial agreement or • Written acknowledgment that the property is separate This can help avoid any confusion down the road. ⸻ Pro Tip (from experience): I’ve helped clients structure purchases like this for investment properties, second homes, and even strategic portfolio building. When it’s set up correctly from the beginning, it can protect your investment and give you flexibility long-term. If you’re thinking about doing this, I’d be happy to walk you through exactly how to structure it based on your goals (financing, title, long-term exit strategy, etc.)—there are a few ways to do it right depending on what you’re trying to accomplish. If you would like my help, you can contact me directly through my website. www.bobarthurgroup.com

Hi Cameron, Great question—and this is actually a good problem to have. If the home appraises for more than your agreed purchase price, you do NOT have to pay more. The price you and the seller agreed to in the contract is the price you pay—period. An appraisal is done for the lender’s protection, not to renegotiate the deal. It’s simply their way of confirming the home is worth at least what they’re lending on. If it comes in higher than your purchase price, it just means: 👉 You negotiated a strong deal 👉 You’re walking in with instant equity 👉 The lender is even more comfortable approving your loan The only time an appraisal becomes an issue is when it comes in lower than the purchase price—not higher. So in your case, if it appraises above your offer, it’s essentially a win. Nothing changes in your contract, and you get the benefit of buying the home below market value. The seller usually doesn’t see what the appraisal came in at. The only information they would need to know is that the appraisal was favorable and your transaction is moving forward. If you want, I’m happy to take a look at your specific deal or help you understand how to leverage that equity position going forward—this is exactly the kind of situation where having the right strategy can really pay off.

Hi Thad, Great question—and the good news is, you do have options to stop or get out of foreclosure. The key is acting quickly, because the earlier you intervene, the more control you have. ⸻ If your home is heading toward foreclosure (or already in the process), there are several ways to resolve it depending on your timeline, equity, and financial situation. ⏳ How long does foreclosure take? In California, foreclosure is typically a non-judicial process and usually takes about 4–6 months from the Notice of Default to the trustee sale—but this can vary. That window is your opportunity to take action. ⸻ 🛠️ Your main options to stop foreclosure: 1. Reinstate the loan (catch up on payments) If you can pay the missed payments, fees, and penalties, you can bring the loan current and stop the foreclosure. 2. Loan modification You may be able to work with your lender to adjust your loan terms (lower payment, extended term, etc.). 3. Forbearance or repayment plan Some lenders will allow you to temporarily pause or spread out missed payments. 4. Sell the home (before foreclosure) If you have equity, selling is often the best option—you can pay off the loan and walk away with cash instead of losing everything. 5. Short sale If you owe more than the home is worth, your lender may allow you to sell it for less than what’s owed and forgive the difference. 6. Bankruptcy (last resort) Filing can temporarily stop foreclosure, but it’s a more serious step and should be discussed with an attorney. ⸻ 👥 Do you need an attorney or real estate agent? • Real Estate Agent: If there’s any equity at all, this should be your first call. A good agent can quickly determine your home’s value, market it fast, and potentially sell it before foreclosure—often saving your credit and putting money in your pocket. • Attorney: Helpful if you’re dealing with legal issues, bankruptcy, or lender disputes. Not always required, but important in more complex situations. 👉 In many cases, the best strategy is using both—an agent to handle the sale and an attorney if legal protection is needed. ⸻ ⚠️ Biggest mistake to avoid: Waiting too long. The longer you wait, the fewer options you’ll have. ⸻ 💡 Pro tip: Even if you’re unsure what to do, getting a quick professional evaluation of your situation can open up options you didn’t know you had. ⸻ If you want, I can take a look at your specific situation (timeline, loan balance, estimated value, etc.) and help you map out the best path to either save the home or protect your equity—no pressure, just clarity so you can make the right decision. If you would like some help, you can contact me directly through my website. www.bobarthurgroup.com

Yes — you absolutely can set those boundaries as a seller, and it’s actually a fairly common request, especially for privacy, security, or when children are involved. As the homeowner, you control the showing rules. Your listing agent can place clear instructions in the MLS and showing instructions. Here’s how this is typically handled in California. ⸻ 1. Add a “No Photography or Video” Showing Rule Your listing agent can add a note in the MLS Agent Remarks and Showing Instructions that says something like: Example: For seller privacy, no photography or video recording is permitted inside the property during showings. Buyers and agents must rely on the professional marketing photos provided in the listing. Personal photos may be permitted after an offer is accepted or with seller approval. This alerts every agent scheduling a showing before they arrive. ⸻ 2. Require the Buyer’s Agent to Enforce It The rule is usually directed at buyer agents, who are responsible for their clients during the showing. Typical MLS instruction: Buyer’s agent must accompany buyers at all times and ensure no interior photos or videos are taken. Agents generally respect this because violating showing instructions could create professional or ethical issues. ⸻ 3. Post a Friendly Sign in the House Even with MLS instructions, it helps to have a visible reminder inside the home. Example sign at entry: Seller Request – Privacy Please For the privacy of the homeowners and children, no photography or video recording inside the home is permitted during showings. Please refer to the professional listing photos. Thank you for respecting the seller’s privacy. ⸻ 4. Your Compromise Idea Is Actually Very Reasonable What you suggested is a very common compromise. Many sellers allow: • No photos during showings • Photos allowed after an offer is accepted • Or after seller approval This protects your privacy while still allowing serious buyers to document things later. ⸻ 5. Exceptions (Inspectors, Appraisers, etc.) You’ll usually want to allow photos for: • Home inspectors • Appraisers • Contractors during inspections • Insurance documentation Those are normal parts of escrow. ⸻ 6. Why Some Sellers Do This Your concern is valid. Interior photos can reveal: • Children’s rooms • Security systems • Valuables • Layout of the house • Personal belongings With social media today, sellers often prefer to control what images circulate online. ⸻ ✅ Bottom line: You have every right to require no interior photography during showings, and most professional agents will respect that when it’s clearly written in the MLS instructions.

Hi Morgan, Great question—and you’re actually right where a lot of smart buyers start. The short answer is: you do NOT need to be preapproved before speaking with or working with a real estate agent. In fact, a good agent will happily connect with you early and help guide you through the entire process from the beginning. That said, here’s how it typically works and what your options are: 1. You CAN start looking at homes now If you have a general idea of your budget, it’s perfectly fine to start browsing homes, attending open houses, and getting a feel for neighborhoods, layouts, and pricing. This is actually a great way to refine what you want. 2. A good agent will still work with you (and help you get preapproved) Experienced agents understand that preapproval is just one step in the process—not a prerequisite to having a conversation. In fact, many of us prefer to meet buyers early so we can: • Help you understand true pricing in the market • Connect you with trusted lenders • Map out a clear game plan so you’re ready when the right home hits 3. Preapproval becomes important when you’re ready to make an offer This is the key point. Sellers will not take an offer seriously without a preapproval letter. So while you don’t need it to start, you’ll want it in place before you act. 4. There’s a strategic advantage to getting it sooner rather than later Even if you’re just “looking,” getting preapproved early can: • Confirm your true buying power (which is often different than expected) • Strengthen your confidence when you find the right home • Allow you to move quickly in a competitive situation 5. You don’t have to figure this out alone A strong agent will walk you through both sides—home search AND financing—so everything lines up smoothly. ⸻ Bottom line: ✔ You can absolutely start looking now ✔ A good agent will work with you before preapproval ✔ But you’ll want preapproval in place before submitting an offer ⸻ If you’d like, I’m happy to connect you with a great lender, help you dial in your budget, and set you up to see homes at your own pace—no pressure at all. You can contact me on my website directly at www.bobarthurgroup.com

Yes, you can accept contingent offers, but you want to structure them carefully so you don’t get trapped if a better offer comes in. In California this is very common, especially when a buyer needs to sell their current home before buying yours. The key is how the contingency is written in the purchase agreement. Here’s how it typically works and what you should consider: ⸻ 1. What a Contingent Offer Means A contingent offer usually means the buyer’s purchase of your home is dependent on something else happening first, most commonly: • The buyer must sell their current home • The buyer must close escrow on another property • The buyer needs to remove another contingency If that event doesn’t happen, the buyer can cancel the contract. ⸻ 2. The Protection Sellers Usually Use (Kick-Out Clause) In California, sellers often accept contingent offers with a kick-out clause (sometimes called a 72-hour clause). This means: 1. You accept the buyer’s contingent offer. 2. Your home usually remains active in the MLS. 3. If another buyer makes a stronger offer, you can issue a Notice to Perform. 4. The original buyer typically has 48–72 hours to remove their contingency (for example, remove the home-sale contingency). 5. If they cannot remove it, you are free to cancel and accept the new offer. This protects you from being locked into a weak position. ⸻ 3. What Happens if a Better Offer Comes In If you did not include a kick-out clause, you are generally bound to the contract until: • the contingency expires, or • the buyer cancels. But if you did include the clause, you can: • Notify the first buyer • Give them a short window to remove their contingency • If they cannot → accept the better offer ⸻ 4. Questions You Should Ask About a Contingent Buyer Before accepting, look at: • Is their home already listed? • Is it already in escrow? • Is it realistically priced to sell quickly? • How long is their contingency period? A buyer whose home is already in escrow is very different from someone who hasn’t even listed yet. ⸻ 5. Strategy Many Smart Sellers Use A common approach: ✔ Accept the contingent offer ✔ Keep marketing the property ✔ Use a kick-out clause ✔ Continue showing the home ✔ Encourage backup offers This gives you a buyer without losing leverage. ⸻ 6. A Real Example Example timeline: • Buyer A makes offer contingent on selling their home • You accept with a 72-hour kick-out clause • 2 weeks later Buyer B makes a better offer • You notify Buyer A • Buyer A has 72 hours to remove their contingency • If they cannot → you move to Buyer B ⸻ 💡 One important nuance: Sometimes contingent buyers are very strong financially and simply want to reduce risk. In those cases they may be willing to remove the contingency quickly if pressured.

Hi Sabrina, Great question—and one that comes up more often than you might think. In California, you generally need to be 18 years old to legally enter into a binding contract, which includes purchasing real estate. That’s the key issue—not ownership itself, but the ability to sign enforceable contracts like a purchase agreement or loan documents. A minor (someone under 18) can technically hold title to property, but there are some important limitations: • Contracts are not fully enforceable: A minor can enter into a contract, but they also have the legal right to void it, which makes sellers very hesitant to accept an offer from a minor. • Financing is extremely difficult: Lenders will not issue a mortgage to a minor because they can’t be held to the loan terms. • Escrow/title complications: Most escrow and title companies will require a legal structure to protect all parties involved. Because of this, if a minor is involved in purchasing property, it’s typically done with an adult in one of the following ways: • Parent or guardian on title (and usually on the loan) • Holding title in a trust or custodial arrangement (like a Uniform Transfers to Minors Act account) • Adult purchases the property and later transfers ownership So to answer your question directly: 👉 No, a minor doesn’t have to have an adult on the deed—but in practice, it’s almost always necessary to involve an adult or legal structure to make the transaction work smoothly and be accepted by the seller, lender, and escrow. If someone is considering doing this, it’s definitely worth speaking with a real estate professional and possibly a real estate attorney to structure it correctly from the start. If you want, I’m happy to walk through the cleanest ways to set this up depending on your specific situation. You can contact me directly on my website. www.bobarthurgroup.com

Hi June, Canceling a listing agreement in California is absolutely possible—but it needs to be handled the right way to protect you legally and financially. First, it’s important to understand that most listing agreements (typically the California Association of Realtors Residential Listing Agreement) are binding contracts for a set period of time. That means you can’t always just “cancel” unilaterally without potential consequences—but in practice, many agents and brokers will agree to release you. Here’s the best way to approach it: 1. Start with a direct conversation Reach out to your agent and clearly explain your concerns. Whether it’s communication, strategy, or results, give them a chance to address it. Sometimes this alone solves the issue. 2. Request a written cancellation (Release of Listing) If you still want to move on, ask them to sign a “Cancellation of Listing” form. This document formally releases you from the agreement. 👉 Make sure it includes a full release from any future commission claims, except for buyers they may have already introduced (this is called a “safety clause”). 3. Review the “protection period” (safety clause) Many agreements include a clause that says if someone who saw the home during the listing ends up buying later, the original broker may still be owed a commission. You’ll want clarity on: • How long that period lasts • Exactly which buyers are covered 4. Go to the broker if needed If your agent is unresponsive or unwilling, you can contact their managing broker directly. Brokers have the authority to cancel the agreement. 5. Get everything in writing before relisting Do not sign with a new agent or put your home back on the market until you have a fully executed cancellation in hand. ⸻ One important tip most people don’t realize: How you exit a listing can impact your ability to sell smoothly moving forward—especially when it comes to pricing strategy, days on market, and how your property is perceived when it comes back online. If you’re thinking about canceling because the home isn’t selling, there’s usually a deeper issue (pricing, exposure, negotiation strategy, or positioning), and fixing that correctly the second time is critical. If you’d like, I’m happy to take a quick look at your situation, review your current agreement, and give you a clear game plan on the best way to exit cleanly and relaunch successfully so you don’t lose momentum. If you would like some help, you can contact me directly through my website. www.bobarthurgroup.com

Hi Juan, Absolutely—you can still reach out, and in the right situation, it can be a very smart move. When a home is marked “pending,” it means the seller has accepted an offer and is moving through escrow—but the deal is not guaranteed to close. Contracts fall apart more often than most people realize due to financing issues, appraisal gaps, inspections, or simply buyer cold feet. Here’s how I advise approaching it (and how I’ve successfully helped clients win these situations): ⸻ ✅ Yes, You Can Submit a Backup Offer You (or better, your agent) can absolutely contact the listing agent and ask if they are accepting backup offers. Many sellers are open to this because it gives them a safety net. A strong backup offer puts you in pole position if the current escrow cancels—you may step in without the home ever going back on the market. ⸻ 💡 How I’ve Helped Clients Win “Pending” Homes I’ve had multiple situations where we pursued homes already in escrow and got the deal—without competing in a bidding war. What made the difference: • We reached out early and established a relationship with the listing agent • We positioned our offer as clean and reliable (strong financing, fewer contingencies) • We made it easy for the seller to say yes immediately if the first deal fell apart • We stayed in touch so we were the first call when things got shaky In some cases, the original buyer canceled during inspections or loan approval—and my client stepped right in. ⸻ ⚠️ Important Strategy Tip Not all backup offers are treated equally. A well-structured backup offer should: • Be fully written and signed • Show proof of funds / strong pre-approval • Minimize risk for the seller • Be positioned as the “sure thing” compared to the current buyer This is where having the right representation really matters—you’re not just submitting paperwork, you’re competing behind the scenes. ⸻ 🚀 Pro Tip Most Buyers Miss Even if the seller won’t formally accept a backup offer, just making your interest known can pay off. I’ve seen listing agents come back weeks later and say: “Hey, that deal is falling apart—are your buyers still interested?” If you’re not in that conversation, you miss the opportunity. ⸻ 🎯 Bottom Line Yes—you can (and often should) pursue a pending home. The key is doing it strategically and professionally so you’re first in line if anything changes. ⸻ If you want, I can show you exactly how to structure a winning backup offer or even help you approach the listing agent the right way. This is one of those “insider” plays that can land you a home other buyers think is already gone. If you would like some help, you can contact me directly through my website. www.bobarthurgroup.com

Hi Eileen, This is a great question—and you’re smart to get clarity before putting your home on the market, because situations like this can have a few important legal and financial nuances. Here’s how this typically works: 1. Ownership vs. Loan (These are two separate things) When your ex signed a quitclaim deed, he most likely gave up his ownership interest in the property. That means: • You are now the sole owner (assuming the deed was properly recorded) • He no longer has a legal claim to the property itself However, as you mentioned, he is still on the loan, which is completely separate from ownership. The lender doesn’t automatically remove someone just because they signed off title. ⸻ 2. Does he need to sign anything to sell? If the quitclaim deed was properly executed and recorded: • No, he typically does not need to sign the listing agreement or seller documents • You should be able to sell the property on your own as the sole owner That said, title will confirm this during escrow to make sure there are no remaining claims or clouds on title. ⸻ 3. Is he entitled to any of the proceeds? In most cases: • If he legally gave up his ownership via quitclaim, he is not entitled to proceeds from the sale • The proceeds would go to you as the current owner However (and this is important): • If there was a separate agreement between the two of you (written or even implied), or • If he later disputes the transfer …it could open the door to a claim, though that’s more of a legal matter than a real estate one. ⸻ 4. What about the loan still being in his name? Even though you’ve been making the payments: • The loan will still need to be paid off in full through escrow when you sell (which is normal) • His name being on the loan does not prevent the sale ⸻ 5. Smart steps before listing (highly recommended): To protect yourself and ensure a smooth transaction: • Confirm the quitclaim deed was recorded correctly • Have a preliminary title report pulled • Consider a quick consult with a real estate attorney if there’s any uncertainty about past agreements • Work with an experienced agent who can spot and resolve any red flags early ⸻ Bottom line: If the quitclaim deed was done properly, you should be able to sell the home on your own and retain the proceeds—but it’s worth double-checking everything upfront so there are no surprises during escrow. ⸻ If you’d like, I’m happy to take a quick look at your situation (completely confidentially), help verify how title is currently held, and walk you through exactly what your net would look like if you sold. I deal with scenarios like this often and can help make sure it’s handled cleanly from start to finish. If you would like my help, you can reach out to me directly through my website. www.bobarthurgroup.com