You've invested a lot in your home - both your money and your hard work. When it's time to sell, you want to get the most money you can out of your home and also protect your family and your finances.

Before you sell

There are some important things to consider before you put your home on the market or commit to buying another home.

• How to determine a sales price - Get a realistic estimate of the value of your home and what you can expect to receive after you've paid off your mortgage and covered other costs. We always offer a free estimate of value of your property with no obligation.

  Before you commit to buying a new home, make sure you will receive enough from your existing home. You don't want to be in the position of having a contract to sell your current home and not being able to qualify for your new home.

• How to make sure your home sells - Consult a professional for advice regarding how best to market your home. We can provide advice on everything from advertising to making your home more appealing.

Do you even need an agent?

Some people consider trying to sell their home themselves. Here are a few things to consider before you make this decision.

• Are you comfortable negotiating prices? Can you deal with low-ball offers?
• Are you familiar enough with contracts to protect your interests?
• Do you know all of the appropriate laws regarding disclosure and similar matters?
• How will you deal with a buyer who wants to change the conditions of the contract?
• How will you be covered legally if the buyer brings up an issue at a later date?
• Are you comfortable with unescorted strangers in your home?

If you are behind in your mortgage payments or "upside-down" in your home

Don't wait until your home is in foreclosure before trying to sell. Call us for advice on how to possibly save your home or lessen the negative impact on your credit.