What Documents Do You Need to Sell Your Home Without A Realtor?

paperwork for selling a house without a realtor

Are you thinking about selling your house by yourself, without a realtor? It’s a big choice, but if you’re ready, you can do it. One important thing to know is all the paperwork you need for selling a house without a realtor. There are plenty of them that owners usually take for granted. But now, it’s time to know about it.

Is it possible to sell your house without a realtor?

Yes, it is! Selling your house without a realtor, which is called “For Sale By Owner” (FSBO), is doable. With FSBO, you’re in charge of everything, like advertising your home, talking to buyers, and making the final deal on your own.

What are the pros and cons of doing that?

Here’s a breakdown of the good and not-so-good things to consider when selling your house without a realtor:


  • Save Money: Selling your home without a realtor means you won’t have to pay high commission costs, allowing you to keep more of the selling proceeds for yourself.
  • Call the Shots: When you sell FSBO, you have complete control over the transaction. You get to select everything, from the price of your home to when visitors can come see it.
  • Talk Directly: Without an intermediary, you may speak directly to potential buyers. This allows you to answer queries swiftly and establish a connection with them.


  • Less Exposure: Since you don’t have a realtor’s network, fewer people might see your home for sale. This could mean it takes longer to find someone interested in buying.
  • Lots to Figure Out: Selling a house involves tons of paperwork and rules to follow. Doing it without a realtor can be tricky, and you might need to do extra research to get everything right.
  • Haggle Hard: Negotiating with buyers can be tough without a realtor’s help. You’ll need to be good at standing up for what you want and working out deals.

While selling on your own has advantages, it’s important to consider both the positive and negative aspects before making a decision. That way, you can select the plan that best suits you and your home-selling goals.

What are the documents you’ll need to prepare?

When you’re selling your house without a realtor, getting the paperwork right is super important to make sure everything goes smoothly and legally. Here’s a simple list of all the papers you’ll need and why they’re so crucial: 

  1. Property Deed: This paper proves that you own the property. Without it, you can’t sell the place to anyone else.
  2. Purchase Agreement: Think of this as the rulebook for the sale. It spells out stuff like how much the buyer will pay, when they’ll pay it, and any other conditions that need to be met.
  3. Seller’s Disclosure Form: This one’s like a truth-telling paper. It makes you spill the beans on any problems or issues with the house, so the buyer knows what they’re getting into.
  4. Title Report: This report tells you if there are any debts or legal stuff tied to the property. You want a clear title with no surprises.
  5. Home Inspection Report: While not always needed, this report gives buyers peace of mind about the house’s condition. It points out any problems that might need fixing.
  6. Mortgage Documents: If you’ve got a mortgage, you’ll need to share details about it, like how much you owe and when it needs to be paid off.
  7. Utility Bills: Recent bills show buyers how much they might pay for things like electricity and water. It helps them budget for life in the house.
  8. HOA Documents: If your place is part of a homeowners association, you’ll need to share the rules and fees with the buyer.
  9. Receipts and Warranties: Keep records of any fixes or upgrades you’ve done, along with warranties for big stuff like appliances. It shows buyers that you’ve taken care of the place.

Having all these papers in order makes the selling process way easier and helps keep things fair and square for everyone involved.

What other requirements do I need to know about?

In addition to preparing the necessary documents, it’s essential to be aware of potential costs and fees associated with selling your house FSBO:

  1. Advertising Costs: Set aside funds for marketing fees such as yard signs, web listings, and open homes. Effective marketing raises awareness and attracts prospective buyers to your property.
  2. Legal Fees: Consider working with a real estate attorney to ensure that all documentation is in order and to handle any legal difficulties that may emerge throughout the transaction. While legal expenses may be costly up front, they provide invaluable expertise and protection throughout the selling process.
  3. Closing Costs: Be prepared to pay for title insurance, attorney fees, and transfer taxes. Closing fees vary depending on the location and specifics of the transaction, so you should budget accordingly and discuss prospective expenses with your attorney or closing agent.

Do I need a realtor to sell my house or do it on my own?

Deciding whether to sell your house on your own or with a realtor is a big deal. Both options have good and not-so-good parts, so it’s important to think about what’s best for you: 

  • Market Knowledge: Realtors know a lot about the local housing market—like what prices are good and what buyers are looking for. If you’re not sure about these things or don’t have time to find out, a realtor can help you figure it out.
  • Time and Effort: Selling a house takes a lot of work, from telling people about it to dealing with offers and closing the deal. Doing it yourself gives you complete control, but it also puts you in charge of everything. Consider whether you have enough time and energy to do everything on your own.
  • Marketing Reach: Realtors have ways to get the word out about your house, like putting it online or taking nice pictures. They know how to show your house to lots of people who might want to buy it. If you’re not sure how to do these things, a realtor can help make sure more people see your house.
  • Negotiation Skills: When it comes to talking about the price and terms of the sale, it’s important to be good at negotiating. Realtors are experts at this and can help you get the best deal. If you’re not comfortable with this part or don’t know how it works, a realtor can step in and make things easier.
  • Legal and Financial Stuff: There are numerous requirements and documentation that must be completed when selling a home. Realtors understand all of this and can ensure that everything is done correctly. If you’re concerned about making mistakes or don’t know what to do, a realtor can help you stay on course and prevent legal or financial issues.

At the end of the day, whether you sell on your own or with a realtor depends on what’s best for you. Consider what you are most comfortable with and what will help you achieve your home-selling goals. Selling your home without a realtor might go smoothly if you prepare and understand the paperwork. Gather all necessary documents, understand what else is required, and be prepared to resolve any concerns.

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