Debbie Herb Blog

Subscribe and receive email notifications of new blog posts.




rss logo RSS Feed
Buying | 9 Posts
Communities | 3 Posts
General | 9 Posts
Selling | 10 Posts
Uncategorized | 1 Posts
July
15

When purchasing a home, trust matters.

You need to trust everyone involved in the process—from the REALTOR® showing you homes to the mortgage professional handling your loan. Without trust, honesty, and knowledge, the dream of homeownership can quickly become a nightmare.

So, let's start with me.

I have been in real estate since 1986, which honestly feels like a lifetime. But that lifetime has given me something no classroom can teach: real-world experience.

I have owned several homes in three different states, and I have personally experienced both the excitement of buying a home and the heartbreak of being poorly represented.

I began my real estate career in Buffalo, New York, where I met my husband and we started our family. Our first home purchase turned into one of those nightmares.

We were young, inexperienced, and trusted that our real estate agents and mortgage professionals were working in our best interest. Unfortunately, we learned the hard way that they were not.

We were instructed to make repairs to the property before closing and invested a significant amount of money doing so. Then, at the closing table, we nearly lost the home—and all the money we had already put into it.

We later discovered that we had been placed into a negatively amortizing mortgage, something that had never been properly explained to us. By the end of the third year, our mortgage payment had more than doubled. We could no longer afford the home and were forced to move.

When we decided to sell, we hired a different REALTOR®, hoping for a better experience. Instead, she severely underpriced our home and sold it to an investor. That investor immediately relisted the property and sold it for approximately $30,000 more than our REALTOR® had told us it was worth.

Needless to say, many lessons were learned.

Eventually, the cold Buffalo winters got the best of us, and we decided to relocate to sunny Florida.

You guessed it—we had another less-than-stellar real estate experience.

The REALTOR® helping us actually sat in the back seat of our car complaining that while her husband was showing million-dollar homes, she was "schlepping it" around showing houses in our price range.

Those were her words, not mine.

That experience was the final straw. Once we settled in Florida, I earned my Florida real estate license.

We lived there for 20 years, and I loved every minute of my real estate career. I worked with vacation properties, long-term rentals, oceanfront condominiums, first-time buyers, snowbirds, investors, and just about everything in between.

After two decades, however, we began to miss having actual seasons—although I admit winter and I still have a complicated relationship.

That eventually brought us to Tennessee.

Unfortunately, our move here came with yet another frustrating real estate experience. It took us three months and three different REALTORS® to finally purchase the home we now own. Throughout the process, the listing agent seemed to place one roadblock after another in our way.

So, guess what I did?

I earned my Tennessee real estate license.

Today, I have the privilege of helping buyers and sellers throughout East Tennessee, and every experience I have had—both good and painfully bad—has shaped the kind of REALTOR® I choose to be.

I know what it feels like to be inexperienced, overwhelmed, misled, and treated as though your price range makes you less important. I also know how devastating poor advice can be when you are making one of the largest financial decisions of your life.

That is why I believe every client deserves honesty, patience, clear explanations, and someone who genuinely has their best interests at heart.

Buying a home should not feel like navigating a minefield alone.

My job is not simply to show you houses. My job is to help you understand the process, ask the right questions, recognize potential problems, and make informed decisions that protect you and your future.

Because your home is more than a transaction.

It is your money, your family, your security, and your dream.

Login to My Homefinder

Pixel