Palos Verdes Lifestyle - Norma Toering's PV Real Estate Blog

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She's Single, Scared and Buying Her First Home Alone--Maybe


For the past few days I've been dealing with a client who is struggling with moving her life to the next level. She wants to buy a condo, she's qualified to buy one, but fear is holding her back. With all due respect, the world has thrown her more than one curve ball and she decided to take a long time-out. But now she can't get off the bench. It feels good to be safely shielded from the hot spots of life and the glaring demands it makes. She's sitting and watching, and too fearful of a long list of "what ifs" to venture back into the game.

She's a woman alone and filled with desire to own a home, but held back by fear. Life is coming at her way too fast for comfort. Divorce, children leaving the nest, new job and new residence all occurred during the past two years. Now she needs to move from her temporary rental and purchase a condo. She's fighting this on every level, because she is not ready to accept the singularity of her new life.

It is difficult to move to the next level if you are lugging all the baggage from your past. Lighten the load and the ascent will be easier. The children no longer need their own rooms when they come home from college. The over-sized dining room set from the house in the suburbs needs to stay in the burbs.  In order to move on some things must be left behind.

The loan is approved, the condo is identified, but she can't bring herself to sign the contract. So tomorrow we will look at more condos and postpone the decision once again. She wants to make sure the one she has chosen is the right one. But do we ever know for sure it, whatever your it may be, is the right one? I don't think so.  You narrow it down, roll the dice and go for it.

Years ago I had a similar conversation with a street smart friend, except that time I was the one hovering in an indecisive state. I was weighing the pros and cons of a major life change. Each side of the balance sheet was weighted with credible justification to choose that particular path. My friend listened and watched as I circled around the decision for days. Finally, one evening when the topic came up for the umpteenth time he cut me off with a comment I shall remember as long as I live. With a chuckle, to soften the finality of his words I suspect, he said, "Sometimes you just have to drop your pants and slide on the ice."

Norma Toering & Team RE/MAX Palos Verdes Realty
(310) 493-8333 / Office Phone: (310) 831-0800

South Bay Los Angeles cities I sell real estate and homes in: Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Rancho Palos Verdes, San Pedro, Long Beach, Torrance, Lomita, Redondo Beach, Hermosa Beach and Manhattan Beach.


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Comments

Norma.....been there...most of us have. She is lucky to have you:)
Posted by Cherimie Crane, www.BeaufortTime.com (Cherimie Crane & Associates, Ballenger Realty) over 2 years ago

FEAR is crippling!  YOU CAN NOT BE AFRAID!  Take your best shot and hope (& pray) for the best!  Keep up with her and you will succeed...and she will be so thankful she did!

Be of service! The rewards will come!

Posted by Matt Crow - www.mattcrow.com 630-728-6051 (Huntley Realty) over 2 years ago
KARMA... what goes around comes around... she is lucky to have found an agent who will hold her hand and guide her. When she is ready she will be happy.
Posted by Sterling, Illinois Real Estate- Brian Corwell (RE/MAX Sauk Valley) over 2 years ago
Cherimie - Yes, those big decisions take a leap of faith.  She'll make it when she's ready.
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
Matt, you are so right. She's just going to have to take the plunge!
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
Brian, you're right--it's her decision to make.  We've qualified her, looked at properties in her price range--either she will sign on the dotted line or not.
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
Norma, the opposite of fear is faith, and sometimes you just have to take that leap to get to the next phase in your life. Realtors can be counselors to people encouraging them to move forward.
Posted by Gary Woltal - Assoc. Broker REALTOR® SFR Dallas Ft. Worth (Keller Williams Realty) over 2 years ago
Gary, I am so with you on that one.
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
Norma - she is certainly in a scary place.  It sounds like she spent her entire life devoted to being a wife and mother, always needed, and now that's all gone away.  It's quite a sobering life change.  Be patient with her, be empathetic.  She really needs the understanding now.  Keep reinforcing the fact that she will be making a positive step into her own future - and that you're willing to be there to help.
Posted by Carol Smith (Casmi Photography) over 2 years ago

Carol, yes, given her personal situation along with the uncertainty of the real estate market, it's difficult for her (and other buyers) to make the decision to buy right now.

Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago

NORMA - I think that there are a lot of buyers out there right now waiting for perfection (perfect house, perfect price, perfect timing).  It doesn't exist, so at some point that have to take a leap of faith that they are making the right decision.

Posted by Adam Waldman - Long Island REALTOR® (Westcott Group Real Estate Company) over 2 years ago

Adam - Exactly.  The buyer I chose as an examples represents many others who are waiting for "the one."

Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
I believe that fear and faith can exist simultaneously, the deal with faith is it is ok to be afraid but you must have enough faith to do it anyway!
Posted by Brentwood TN Homes, Real Estate Vanessa Stalets REALTOR® (RE/MAX Elite) over 2 years ago
Vanessa -- Love the "do it anyway" directive!  That's exactly what I told her because life doesn't come with a 100% guarantee or your money back....
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago

Norma

My heart goes out to her. I work with many singles and she is not alone. I would help her to understand she is not alone, maybe you can help her connect with another single who has bought and understands the joy buying after overcoming the fear.  Feel free to pull some info off our group, The Single Home Buyer and Seller, please also post this one there, I think the group would offer you some insight.

Blessings,

 

Posted by Kelly Turbeville - Real Estate Possibilities in the Saddleback Valley (Century 21 Award-Superstars ) over 2 years ago
Kelly - Thank you for the suggestion and it is posted.
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
I am working with a similar client, young, single, first time homebuyer, it's taking longer than I thought! By the way thanks for your coments on my snow day, it was great!  
Posted by Carrie Higgs (Realty Executives) over 2 years ago
Carrie - You're welcome--snow days are great for making memories. 
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago

Ahhh...Change. The constant of our lives.

She is motivated to move because she has the resources, but not inspired. When she can see herself waking up in her new bedroom, placing her books on shelves or cooking in the kitchen that is when she will be ready.

Norma: Perhaps you can help her visualize this new and exciting experience instead of fearing it. If she can embrace the Change...I know you can fill in the rest. She is very lucky to have you.

Let's us know her decision. 

Posted by Tara Colquitt, Consumer Credit Advocate (Tara Colquitt, The Credit Woman, LLC) over 2 years ago
Tara --  It's a process, but I think she's moving closer to embracing her new now!
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago

Norma, it is through this personal side of real estate that I get the greatest satisfaction. Your client is lucky to have an empathetic Realtor on her side rather than an transactionally based pushy salesperson.

Colleen

Posted by So King County~ Colleen Fischesser & Co Specializing in Maple Valley since 1990! (RE/MAX Select R.E~ Designated Broker/Owner) over 2 years ago
Colleen, yes she certainly requires more attention and time than the average client, but I agree, it is very rewarding to be involved in her move away from fear and toward independence.
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
I just relocated to a new state alone and am about to embark on first time home ownership.  Fear does not even begin to describe all the emotions I feel.  Ovwrwhelmed by the possibily of choosing a life alone is more like it. Help!
Posted by meetoo over 2 years ago

Meetoo, do you have an agent to help you though the process?  That's very important and it will relieve much of the stress and confusion you are feeling.  Let me know if I can help in any way.  You will be fine!

Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
She needs as many supportive voices, like yours, around her. I'm glad she has you. She can do it, she just doesn't know it yet.
Posted by Elaine Hanson, REALTOR® ~ Topanga, CA Real Estate Agent (Snyder Sutton Real Estate) over 2 years ago
Norma, She is not alone in her fear as any first time buyer can attest to and after all she has gone through purchasing a home of her own WILL heal a lot of pain. Hope she takes your advice.
Posted by Cameron Wilson: Murrieta/Temecula/ Menifee California Real Estate (Century 21 Tri Valley Realty) over 2 years ago
Elaine - We don't know what we're capable of until we are tested, and sometimes the tests come in multiples!
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago
Cameron - Embracing the new certainly helps to release the old and move on with life.
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago

Norma ~  You are the encouraging voice for this friend.  Having been in a similar place yourself (with life changes, fear, and all) you have more credibility than most others would have.  Thank you for your helping to be her voice of reason!

 

Posted by Sarah Eubanks ~ Preferred Oregon Loan Consultant & Notary Public (Hill Valley Financial Services) over 2 years ago
Sarah - She's still waiting, but I think she's finding her balance in life and expect she will make the decision to purchase by the end of summer. 
Posted by Norma Toering Rolling Hills & Palos Verdes Property (REMAX Palos Verdes Realty Lic# 01147470) over 2 years ago

Sometimes it has nothing to do with your marital status --- just personality types. Some personality types have a harder time taking a risk and making a decision. It is just more pronounced when a major change happens in life.

Posted by Kevin McGourty - Moving Help - nationwide (MovingHelp.com) about 1 year ago

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