Do I legally have to tell buyers about my horrible neighbor?

This is a tough situation and a very real concern for some sellers. Short answer: In Florida, you're generally required to disclose known material facts that affect the value of the property. The gray area is whether a " bad neighboraEUR? rises to that level. Here's how it typically breaks down: What you DO have to disclose: aEURc Ongoing disputes that could impact the property aEURc Legal issues involving neighbors (police reports, lawsuits, restraining orders) aEURc Anything that could materially affect a buyer's decision or the home's value What you typically DON'T have to disclose: aEURc Personality conflicts or general annoyance aEURc Situations that aren't documented or legally established Where your situation may cross the line: If there are documented issues like: aEURc Police reports for harassment or theft aEURc Ongoing disputes that could continue after the sale aEURc Safety concerns Then it becomes something you should discuss carefully with your agent and possibly a real estate attorney. Important reality: Even if something isn't strictly required, failing to disclose a serious, known issue could come back later if a buyer claims it was intentionally hidden. Smart way to handle it: aEURc Talk to your agent before listing and be completely honest aEURc Let them guide you on what rises to a disclosure level aEURc If needed, get legal advice so you're protected Also worth considering: Buyers often observe neighbors during showings, inspections, and visits. So these situations sometimes reveal themselves naturally. The goal: Protect yourself legally while still positioning your home to sell

Are those cash offer postcards in the mail legit?

Great question because a lot of homeowners get these and aren't sure what's real. Short answer: Most " We Buy HousesaEUR? postcards are legit businessesaEUR| but they are almost always low offers by design. Who's sending them: aEURc Investors aEURc Wholesalers (they put your home under contract, then assign it to another buyer) aEURc Small local flippers How their model works: They're not paying retail. They're looking to buy well below market value so they can: aEURc Flip it for profit aEURc Rent it out aEURc Or resell the contract Are they ever a good option? Yes, in the right situation: aEURc You need to sell very quickly aEURc The house needs major repairs aEURc You want to avoid showings and uncertainty aEURc You're okay trading equity for convenience But here's the trade-off: You're paying for speed and simplicity with a lower price. Offers can be 10%"30%+ below market value depending on the property. Red flags to watch for: aEURc They won't give proof of funds aEURc They avoid letting you use an attorney or title company aEURc They try to lock you into a contract with no clear exit aEURc They renegotiate the price right before closing aEURc They won't clearly explain if they're wholesaling the deal How to protect yourself: aEURc Always compare it to what you could get on the open market aEURc Ask directly: " Are you the buyer or assigning this contract?aEUR? aEURc Require proof of funds aEURc Use your own attorney or title company aEURc Don't sign anything you don't fully understand Pro tip most people don't realize: You can often still sell very fast on the open market and walk away with more money especially with the right pricing and strategy. Bottom line: They're not usually scams, but they're also not designed to give you top dollar. If you're thinking about selling quickly, A realtor can help you compare a true cash offer vs. what your home could realistically sell for so you can make the best financial decision without leaving money on the table.

Is AI staging actually worth it or does it look too fake?

Great question and this is something a lot of sellers are debating right now. Short answer: AI staging absolutely can help your home sell, but only when it's done correctly and used the right way. Why it works: Most buyers scroll listings online first. Empty rooms can feel cold and hard to visualize. AI staging helps: aEURc Show scale and layout aEURc Highlight how each space can be used aEURc Make your listing stand out in photos That first impression online is everything. Where it can go wrong: Buyers feel turned off when: aEURc The furniture looks unrealistic or oversized aEURc The style doesn't match the home aEURc The home looks completely different in person That's when it feels misleading instead of helpful. Best practice (this is key): aEURc Always label photos as " virtually stagedaEUR? aEURc Include a mix of staged AND real photos aEURc Keep the design realistic and proportional aEURc Don't over-edit or alter the actual condition of the home What I recommend to sellers: AI staging is a great tool for: aEURc Vacant homes aEURc Smaller spaces that need help showing function aEURc Budget-conscious sellers But if the home is higher-end or the layout is tricky, sometimes partial real staging is still worth it. The reality: Buyers aren't expecting the furniture to be there they just want help visualizing the space. When done right, it enhances your listing without hurting trust. Bottom line: AI staging doesn't replace the home it markets it. And strong marketing is what brings in more buyers and better offers.

How do i know what real estate agent to work with?

Questions you should absolutely ask: 1. How well do you know this specific area? You want hyper-local expertise, not just general knowledge. They should be able to talk about pricing, demand, and trends neighborhood by neighborhood. 2. What's your strategy for helping me buy/sell successfully? Listen for a clear plan, not a generic answer. Good agents explain how they win in today's market. 3. How do you communicate and how often? You want to know: aEURc Will they text, call, email? aEURc How quickly do they respond? aEURc Will you feel supported or chasing them? 4. What's your experience in this market? Ask about: aEURc Years in business aEURc Number of transactions aEURc Experience with your situation (first-time buyer, downsizing, relocation, etc.) 5. Can you walk me through the entire process? A great agent will clearly explain what happens from start to finish and what to expect at each step. 6. How do you handle challenges or deals that fall apart? This tells you how they problem-solve under pressure. 7. What makes you different from other agents? This is where you'll hear their value. Marketing, negotiation, network, off-market deals, etc. 8. Do you have trusted vendors? Inspectors, attorneys, lenders, contractors. A strong network makes everything smoother. Things to pay attention to (beyond answers): aEURc Do they listen or just talk? aEURc Do they ask you thoughtful questions? aEURc Do you feel comfortable and not pressured? aEURc Are they honest, even when it's not what you want to hear? Red flags dYs(C) : aEURc Vague or overly generic answers aEURc Slow or poor communication early on aEURc Overpromising results (especially on price) aEURc Lack of local knowledge aEURc Pushing you to sign before you feel ready My best advise, Interview at least 2"3 agents. The difference in approach, strategy, and professionalism becomes very clear when you compare Good Luck to you !

Who owns my property photos?

Short answer: In Florida, you typically do NOT automatically own your listing photos even though it's your home. Who actually owns the photos? Usually, the photographer owns the copyright. When your home was listed, your agent likely hired a photographer who then: aEURc Granted a license to the agent/brokerage aEURc Allowed the photos to be used for marketing that specific listing That doesn't automatically transfer ownership to you as the homeowner

Who has responsibility of tree near my property?

In Tennessee, a tree near the sidewalk is often in the public right-of-way, which means it may actually be the city's responsibility not yours. How to tell who owns the tree: 1. Check your property survey This is the fastest way to see where your property line ends. If the tree is outside your boundary, it's likely not yours. 2. Look at the " right-of-wayaEUR? area That strip between the sidewalk and street is commonly owned or controlled by the municipality. 3. Contact your local town or public works department They can confirm ownership and tell you: aEURc If they maintain the tree aEURc If you're allowed to trim it aEURc If permits are required Who pays for trimming? It depends on ownership: aEURc If it's on your property a+' You're responsible aEURc If it's in the right-of-way a+' Usually the town handles it aEURc In some areas a+' Homeowners maintain it, but need approval before work

How do I pick the best offer for selling my house?

The best offer is the one most likely to actually close and net you the most money, not just the highest number on paper. Here's how I would evaluate your 3 offers: 1. All cash (lower price) Pros: aEURc No financing risk aEURc Typically faster closing aEURc Fewer contingencies Cons: aEURc Lower net if the price gap is significant Best for: Certainty and speed 2. Over asking with financing Pros: aEURc Highest potential profit aEURc Strong demand signal Cons: aEURc Risk of appraisal coming in low aEURc Loan approval risk aEURc More moving parts What to check: aEURc Is the buyer pre-approved or fully underwritten? aEURc Are they covering an appraisal gap? aEURc How strong is their financial profile? 3. Large down payment Pros: aEURc Strong financial stability aEURc Lower chance of loan denial aEURc Often more flexible if issues come up Cons: aEURc Still involves financing aEURc Not as fast or certain as cash Best for: A balance between strength and price What actually makes an offer " safeaEUR?: Look beyond price and focus on: aEURc Contingencies (inspection, financing, appraisal) aEURc Appraisal gap coverage aEURc Buyer's financial strength aEURc Timeline and flexibility aEURc Reputation of the lender The real strategy most sellers don't realize: You don't have to just pick one as-is. You can counter strategically, for example: aEURc Ask the over-asking buyer to cover an appraisal gap aEURc Ask for stronger terms or fewer contingencies aEURc Use the cash offer as leverage to improve other offers Simple way to think about it: aEURc Want certainty and less stress a+' lean cash aEURc Want highest price but some risk a+' financed offer (with strong terms) aEURc Want middle ground a+' large down payment buyer The goal isn't just accepting the best offer it's choosing the one that actually gets you to the closing table with the most money in your pocket.

How can I get a loan as a first time home buyer?

You're not alone in feeling this way and the good news is there are paths forward but we need to be very real about how to get you there step by step. First, the honest truth (so you don't waste time): Buying with no down payment + part-time income + planning to rent it out immediately is going to be very difficult right now especially in Westchester County. Most loan programs require: aEURc Stable, provable income aEURc Some form of down payment (even if small) aEURc The home to be your primary residence (not an immediate rental) But that does NOT mean it's out of reach. It just means we need the right strategy. Here are realistic paths that can work: 1. First-time buyer programs (this is your best starting point) Look into: aEURc State of New York Mortgage Agency programs They offer: aEURc Low down payment options aEURc Down payment assistance aEURc Lower interest rates Some programs can get you in with as little as 3% down and assistance can help cover part of that. 2. FHA loans (very common for first-time buyers) aEURc Lower credit score requirements aEURc Down payments as low as 3.5% aEURc More flexible with income But you still need: aEURc Consistent income (usually 2-year history) aEURc Proof you can afford the monthly payment 3. Down payment assistance programs There are grants and programs that can help with: aEURc Down payment aEURc Closing costs These are often income-based, which may actually work in your favor. About your idea to rent it out right away: Most loans require you to live in the home for at least 1 year before renting it out. However, a smart workaround some buyers use: aEURc Buy a place where you can live in part of it (like a 2-bedroom and rent a room) This helps offset your payment legally. What you should focus on right now: 1. Talk to a lender (this is step #1, not last) Ask: aEURc What loan programs do I qualify for today? aEURc What do I need to improve to qualify? 2. Work on these key areas: aEURc Credit score aEURc Consistent income (this is big) aEURc Saving even a small amount 3. Get a clear plan, not just hope A good lender will give you a roadmap like: " You're 6"12 months away if you do X, Y, Z.aEUR? Important mindset shift: This may not be an immediate move but it can absolutely be a short-term goal with a clear plan. You don't need a miracle you need the right strategy, guidance, and steps in the right order. Good luck to you !

Does the value of my home affect the commission that I pay?

Yes the amount of commission changes with your home price, but the rate itself is always negotiable and can vary based on the property

Selling within 5 yrs. Vote Yes or no to transfer fee ?

Great question and this is a very real decision especially in co-ops and condos. Short answer: A transfer fee like this is very common, and while it can slightly impact buyer perception, it usually does not hurt your value significantly especially at $3,000. a,>> How this actually affects you as a seller: Buyer perspective: aEURc A $3,000 one-time fee is typically seen as minor in the bigger picture aEURc Spread over ownership, it's not a deal breaker for most buyers aEURc In areas like Long Beach, buyers are already used to co-op/condo fees Where it can matter: aEURc First-time buyers with tighter budgets may feel it aEURc If your building already has high maintenance + assessments, it adds up aEURc If competing buildings don't have a transfer fee, it could be a small disadvantage The upside (this is important): If that fee helps: aEURc Prevent large future assessments aEURc Improve building reserves aEURc Maintain the property better That can actually protect or even support your future value. Buyers care a lot about the financial health of the building. Your specific situation (selling within 5 years): You're right that: aEURc You may not fully benefit long-term But also: aEURc The fee is paid by the buyer, not you aEURc A well-funded building is easier to sell in aEURc Poorly funded buildings scare buyers much more than small fees How to think about your vote: Ask yourself: aEURc Does this help avoid bigger assessments later? aEURc Is the building financially strong or struggling? aEURc How does this compare to nearby buildings? Bottom line: A $3,000 transfer fee is usually not a deal breaker and may actually make your unit more attractive if it strengthens the building's finances.

Maria Wilbur

Signature Premmier Properties

10 Years of Experience

$250K

Total Sales Last Year

Years of Experience

Service Areas

Bethpage, NY Farmingdale, NY Great River, NY Islip, NY North Babylon, NY Oakdale, NY Sayville, NY West Sayville, NY

View All Service Areas

About Maria Wilbur

A lifelong South Shore native, Maria brings an unparalleled knowledge of Long Island's communities, market trends, and lifestyle offerings. As a seasoned real estate professional, she specializes in residential sales, expertly representing buyers, sellers, and investors with a results-driven approach and an unwavering commitment to her clients' goals. Maria's sharp negotiation skills, strategic marketing expertise, and deep understanding of market dynamics set her apart. She is known for her ability to navigate even the most complex transactions with confidence, integrity, and precision. Whether securing top dollar for sellers, finding the perfect home for buyers, or identifying lucrative investment opportunities like 1031 Exchanges, Maria delivers exceptional outcomes. Her reputation as a trusted advisor is built on sharp intuition, strong advocacy, and a client-first philosophy. A dedicated listener and skilled communicator, she ensures a seamless and rewarding experience at every stage of the process. With Maria, you're not just buying or selling real estate-you're gaining a dedicated partner committed to your success.

HOBBIES/INTEREST

Gardening, baking, painting, anything outdoors

Credentials

LICENSE

Real Estate - New York - # 10301223578

Specialties

Buyer's Agent
Listing Agent
Residential Real Estate

Loading recent sales...

Answered Questions

Is it dumb to buy a house without seeing it first?

Not dumb at all, but it does come with risk so you need the right safeguards in place. Plenty of buyers successfully purchase homes sight unseen, especially when relocating for work. The key is having a strong team and a smart process. Here's how to protect yourself: aEURc Work with a trusted local agent who will be your eyes and advocate on the ground aEURc Schedule detailed video tours, not just quick walk-throughs. Ask to see everything including flaws, street views, and neighboring properties aEURc Hire a highly rated home inspector and consider adding a sewer scope, termite inspection, or specialized inspections if needed aEURc Include contingencies in your offer so you have an out if anything feels off aEURc Review disclosures carefully and ask lots of questions aEURc If possible, visit before closing or negotiate a final walk-through Many buyers do this successfully, but the difference between a good experience and a bad one comes down to preparation and guidance. Hope this helps and good luck !

Answered by Maria Wilbur | Atlanta | 420 Views | Working With an Agent | 7 months ago

I want a fixer-upper - what are deal breaker, don't buy redflags for fixer uppers?

A fixer-upper can be a great opportunity, but the key is knowing the difference between cosmetic upgrades and money-pit problems. Here's a simple breakdown: Generally SAFE fixer-upper projects (good buys/ good bones): aEURc Paint, flooring, outdated kitchens or bathrooms aEURc Landscaping and curb appeal aEURc Light fixtures, appliances, cosmetic updates aEURc Minor roof or siding repairs These are predictable and easier to budget. Major RED FLAGS dYs(C) to think twice about: aEURc Foundation issues (cracks, shifting, uneven floors) a+' very expensive and structural aEURc Water intrusion or flooding a+' can lead to long-term damage and mold aEURc Mold throughout the home a+' costly remediation and potential health concerns aEURc Knob and tube or outdated electrical a+' often needs full replacement aEURc Old plumbing (galvanized or failing sewer lines) a+' hidden and expensive aEURc Roof at end of life + other major issues a+' costs add up quickly aEURc Septic or cesspool failure (very common on Long Island) a+' big-ticket item ( but there are grants available to help with this cost) Deal breaker mindset: If the home has multiple major systems failing at once (foundation + roof + electric), that's when buyers should seriously reconsider. Best way to protect yourself: aEURc Always do a full inspection (and add sewer scope if possible) aEURc Get contractor estimates before moving forward when you can aEURc Keep a renovation buffer. Things almost always cost more than expected aEURc Work with an agent who can spot risk early and guide you A fixer-upper should feel like a projectaEUR| not a gamble

Answered by Maria Wilbur | Chicago | 182 Views | Working With an Agent | 7 months ago

Where are the best retirement communities?

It really depends on your lifestyle, budget, and how close you want to stay to family. Here are some of the most popular options my clients consider: Popular retirement spots: aEURc Florida " warm weather, no state income tax, tons of active adult communities aEURc South Carolina " coastal lifestyle, more affordable than Florida, growing retiree market aEURc North Carolina " great balance of mild seasons, healthcare, and affordability aEURc Arizona " dry climate, golf communities, very retiree-friendly What really makes a " bestaEUR? retirement community: aEURc Low-maintenance lifestyle (HOA covers exterior, landscaping, etc.) aEURc Access to healthcare and hospitals aEURc Social environment and activities aEURc Walkability or easy transportation aEURc Property taxes and overall cost of living The right choice comes down to whether you want to stay local and close to family or start a new chapter somewhere warmer or more affordable.

Answered by Maria Wilbur | St Paul, MN, USA | 1952 Views | Working With an Agent | 7 months ago

Is buying a house with a friend bad idea?

Not a bad idea at all but it has to be structured the right way or it can turn into a nightmare. I've seen this work really well, especially with duplexes, but the difference comes down to planning everything upfront. When buying with a friend can be a great option: aEURc You split the down payment and monthly costs aEURc You can afford a better property together aEURc A duplex allows for separation and even rental income The biggest risks to be aware of: aEURc One person wants to sell and the other doesn't aEURc Unequal contributions causing tension aEURc Credit and financial responsibility tied together aEURc Disagreements on maintenance, upgrades, or tenants How to protect yourselves (this is the most important part): aEURc Ownership structure matters Ask your attorney about " Tenants in CommonaEUR? vs " Joint TenancyaEUR? This determines what happens if one person wants out or passes away aEURc Create a written agreement BEFORE you close Think of it like a business partnership Include: " Who pays what (mortgage, taxes, repairs) " What happens if one person wants to sell " Buyout terms and how the home will be valued " How decisions are made aEURc Have an exit strategy from day one If someone wants out, can the other refinance and buy them out? Will you agree to sell if one person requests it? aEURc Keep finances transparent Joint account for house expenses helps avoid confusion A duplex is actually one of the smartest ways to do this because it creates separation and potential income, which reduces friction. Bottom line: It's not a bad idea it's just a business decision. Treat it that way, put everything in writing, and you can set yourselves up really well.

Answered by Maria Wilbur | Atlanta | 383 Views | Working With an Agent | 7 months ago

How does the NAR settlement actually affect me as a seller?

Great question and honestly a lot of sellers are confused about this right now. Here's the simple, real-world breakdown: What the NAR settlement means for you as a seller: The National Association of Realtors settlement changed how commissions are communicated, not the fact that they exist. The biggest shift: Buyer agent compensation is no longer displayed in the MLS the same way, and it's more negotiable and transparent. Do you still have to pay the buyer's agent? No, it's not mandatory. But here's the realityaEUR| Most sellers are still choosing to offer buyer agent compensation because: aEURc It attracts more buyers aEURc It helps your home show more competitively aEURc Many buyers still can't easily pay their agent out of pocket So while you can choose not to offer it, doing so may limit your buyer pool. What actually matters now: Everything is negotiable and clearly outlined upfront. As a seller, you'll decide: aEURc What you pay your listing agent aEURc Whether you offer compensation to a buyer's agent aEURc How that offer is structured How to bring this up with your agent (without it being awkward): You can simply say: " I've been hearing about the NAR changes. Can you walk me through how commission works now and what strategy you recommend for my home?aEUR? A good agent should welcome that conversation and explain your options clearly. The bottom line: You have more control and flexibility than before, but strategy matters. The goal isn't just to save on commission, it's to net the most money and create the strongest demand for your home.

Answered by Maria Wilbur | Duluth | 743 Views | Working With an Agent | 7 months ago

Maria Wilbur

Service Areas

About Maria Wilbur

HOBBIES/INTEREST

Credentials

LICENSE

Specialties

Answered Questions

Contact Information

Location

Social Media

More Agents Near You