Buying or selling a home is one of the biggest financial decisions you'll ever make but are you making it with your eyes wide open? In this episode, we’re joined by Stephanie Miller, a Realtor with Coldwell Banker who brings something rare to the table: a master’s in accounting. Stephanie shares what most buyers and sellers overlook financially, why getting pre-approved is only the beginning, and how to avoid costly surprises especially when reviewing HOAs or preparing to sell.

Whether you’re house hunting, listing, or just dreaming, this episode will help you move forward with strategy not just emotion.

What You’ll Learn:

• Why most people don’t really know what they can afford
• How to uncover financial blind spots before making a move
• The hidden risks of skipping a pre-listing title report
• Red flags in HOA budgets that could cost you
• How to balance emotional wants with financial realities
• Budgeting for homeowners insurance and post-move customization

Whether you're planting roots or chasing new horizons, the smartest move you can make is an informed one. Stephanie reminded us that real estate isn’t just about finding the right house it’s about understanding your financial foundation and planning for what comes next. Before you fall in love with the listing, make sure you’ve done the math. Because the right home isn’t just a destination it’s a step toward the life you're building.

Connect with Stephanie Miller:

Website: https://www.spartanreut.com Instagram: https://www.instagram.com/StephMiller.Realtor