Shannon Conine - Stable Realty

09/04/2026

Big changes are coming to the home appraisal process starting November 2, 2026, and they’ll affect buyers, sellers, agents, lenders—everyone involved in a real estate transaction.

I attended an Ohio Realtors class this week that explained what’s ahead. Appraisals for Fannie Mae and Freddie Mac loans will move from traditional forms to a fully digital, data‑driven format. The new UAD 3.6 and redesigned URAR are meant to improve accuracy, speed up underwriting, reduce revision requests, and make the whole process more transparent.

Here’s what this means for you:

For Sellers

• Expect longer contract timelines when your buyer is financing. A longer appraisal window means a longer escrow.
• Provide your agent with all documentation related to updates or improvements:
– Before/after photos
– Contractor info
– Permits and dated contracts
– Receipts for plumbing, HVAC, windows, siding, roofing, etc.
• Your home’s valuation standards aren’t changing, but good documentation helps the appraiser complete the new digital report more efficiently.

For Buyers

• Build extra time into your appraisal contingency.
• Consider ordering the appraisal earlier instead of waiting for inspection results—delays could get costly under the new system.

What About FHA, VA & USDA Loans?
These changes do not take effect for government‑backed loans yet. The November 2026 deadline applies only to conventional loans. For a while, similar homes may receive very different‑looking appraisal reports depending on the loan type.

If you have questions about how this new process might affect your purchase or sale, I’m here to help. Call, text, or email anytime:
419‑934‑3997 / [email protected]

09/03/2026

Thinking about selling, but worried your deal could fall apart before closing? Here's some perspective.

Most home sales still make it to the finish. And when one doesn't, the top reason is almost always inspection or repair issues. They play a part in more than 70% of deals that fall through.

But, luckily for you, inspection/repair issues are what you have the most power to prevent ahead of time. A pre-listing inspection lets you find and handle problems before a buyer's inspector ever does.

Ready to list? Let's talk about whether getting a pre-listing inspection makes sense for your house in our market. Call/text 419-934-3997 or visit https://www.stablerealty.realestate/

09/01/2026

👋HOME FOR SALE🏡 Discover 292 W. Market street, a home that has been transformed from the studs to the finishes on the first floor that you'll truly appreciate. It offers up to 4 bedrooms, 2 full baths, and convenient first-floor laundry. Updates include all new plumbing, electrical, kitchen appliances, laminate flooring, insulation and fully renovated kitchen, bathrooms, and laundry in 2025. Main floor primary bedroom is a plus. Spacious dining room & kitchen will be great for entertaining. A mudroom, currently used as an office, opens to a large backyard with alley access, offering the potential to add a garage for extra parking. The property has an inviting front porch with beautiful brickwork and low-maintenance landscaping. Schedule a walk-through with your real estate agent today before it's too late! ⭐️$152,900⭐️ ---> listing details here ---> https://www.stablerealty.realestate/

08/19/2026

https://www.facebook.com/share/v/1BkDaRXmi6/

08/13/2026

‼️SOLD‼️ I want to congratulate my wonderful clients on a successful closing day and say how much I appreciate you for trusting me with the sale of your home. It has been a pleasure working with you and I wish you all an abundance of joy in the next chapter of your lives. Thank you for choosing me to take this real estate journey with you!

08/13/2026

08/10/2026

Stuck deciding between buying a home now and holding out for the “perfect” mortgage rate? The truth is, trying to time the market rarely works. Home prices, mortgage rates, and inflation are all outside your control. And if you wait for all of them to line up just right, you may be waiting a long time.

My advice? If you want or need to move, look at your own numbers instead. Because whether it's a good time to buy really comes down to your financial situation.

-->Can you afford the monthly payment?

-->Do you have enough money left over as a safety net?

-->What about for repairs?

It’s not a bad time to buy if the math makes sense for you. And that’s true no matter what you’re hearing about the market right now.

I have connections with trusted lenders to help you run the numbers and get you pre-approved. Let's chat, 419-934-3997!
https://www.stablerealty.realestate/

07/21/2026

Home prices are up in some markets and flat or negative in others. So, what's going on? It really comes down to one thing: inventory.

Where there are more homes for sale than there were before the pandemic, prices have stabilized or dipped. Where inventory is still well below normal, prices are still climbing. And that’s why the headlines are so confusing right now. It varies a lot by area.

The national average is 1.7%, but your city’s number may tell a different story depending on where you live. That's exactly why working with someone who knows your local market makes all the difference right now.

Are you trying to buy or sell in the next 6 months? Drop a comment below and let's start a conversation!
https://www.stablerealty.realestate/

07/13/2026

⭐️NEW LISTING⭐️ Offering a country feel while nestled in an established neighborhood on a dead-end street, this ranch style home might be just what you're looking for! It features 3 bedrooms, 1 full bath, an eat-in kitchen, a formal dining room, and convenient first-floor laundry. Patio doors off the dining room lead you to a spacious deck with beautiful views of the surrounding countryside. This 24x26 two-car garage offers extra storage and features an additional smaller garage door for easy backyard access. The property is partially fenced, giving the yard a touch of added privacy. With well-manicured curb appeal and a warm, inviting feel, this lovely home won't last long! Offers to be subject to the homeowner finding suitable housing.❗️$157,900❗️ Click the link for Property Details ⏩️ https://www.stablerealty.realestate/