The Tina Heaney Podcast

Most people never think about the lender their agent works with, but it can quietly make or break your entire home purchase. In this video I share how a condo sale of mine nearly fell apart when the unit became non-warrantable, meaning it became very hard to finance normally. The condo association had raised the owners’ insurance deductible from ten thousand dollars to twenty-five thousand, which threw off the financial ratios lenders look at and pushed the buyer’s interest rate up by more than a full point. Instead of accepting that, the lender, someone I know and trust, worked with me to approach the condo association’s board and explain what that high deductible meant for every owner’s ability to buy or sell. They changed it back, the financing worked, and the buyer got their condo. I’ll explain what a non-warrantable condo is, why rising association deductibles matter to both buyers and condo owners, and why the team your agent brings with them, especially the lender, is one of the most important parts of a successful sale. If you’re buying or selling in the Greater Concord area or anywhere on the New Hampshire and Maine Seacoast, let’s talk. (This is general information, not financial or lending advice.)

If you're thinking about selling in 2026, you've probably already typed your address into one of those AI tools that promises your home's value in seconds. The number feels official, but it's never walked through your remodeled kitchen or seen your new roof, and that gap can be tens of thousands of dollars. In this video, I walk through the pros and cons of letting AI price your home, plus how to use these tools smartly when you sell. Watch my video before you let an algorithm set your asking price.

Why won’t a beautiful home sell? Sometimes it comes down to something surprisingly simple and cheap to fix: paint. In this video I share the story of sellers whose home sat on the market for three or four months with bold, personal colors, bright yellow, an orange dining room, deep burgundy, until they finally repainted in soft neutrals and sold about a week later. I’ll explain why most buyers aren’t visual and can’t picture themselves in a boldly colored space, why paint is one of the cheapest fixes with the biggest return, and why the timing matters so much, doing it before you list instead of after your home has already gone stale. If you’re thinking about selling anywhere from the Greater Concord area to the New Hampshire and Maine Seacoast, let’s talk before you list, and I’ll help you get it right from the start.

What happens when a seller isn’t packed and out by closing day? More than you’d think. In this video I share how sellers who don’t believe the sale is real put off packing until the last minute, and the real consequences when they run late: postponed closings, money held in escrow, and buyers who can walk away entirely. You’ll learn why this comes from disbelief rather than laziness, and the simple habit that keeps my sellers calm and ready on closing day. If you’re planning to sell, this is one to watch before you list.

Someone at an open house said they smelled propane. The seller, living in the home, swore she never had. We checked anyway, and it uncovered more than $17,000 in problems on a house already under contract. In my latest video, I walk through the four real options you have when an inspection finds something major, and the arrangement that meant these sellers never paid a dime out of pocket. The deal closed. Watch my video to see how.

Over half of home listings right now are sitting for 60 days or more without going under contract. And in most cases, it's not the price. Buyers are walking through homes and deciding within the first 30 seconds whether they're interested or moving on. In my video, I break down the three things that separate the homes getting offers from the ones getting skipped, and most of them take less than an afternoon to fix. Watch my video before your next showing.

The Concord and Seacoast market isn't the frantic, multiple-offer rush of a few years ago, but it isn't a market where buyers suddenly hold all the cards either. Prices are still high, inventory is finally improving, and buyers have gotten a lot more selective. In this video, I break down the latest numbers across Concord, the Seacoast, and the surrounding counties, and what they mean if you're planning to buy or sell. Watch my video for the full picture.

Are you planning to sell your home this spring? Before you start a major renovation, you should know that the most expensive upgrades are rarely the ones that give you the best return. According to the latest industry data, a new garage door can return nearly three times what you spend, while a high-end kitchen remodel returns less than 40 cents on the dollar. In this video, I’ll break down the three upgrades that actually pay off, the mistakes that eat into your profit, and how to choose the right contractor so the job gets done right. Watch my video to see where your money goes the furthest before you list.

If the last time you bought or sold a home was before 2024, the commission process looks a little different now. Back in 2024, the National Association of Realtors settled a major lawsuit that changed how buyer's agent fees are handled. The headlines made it sound dramatic, but the reality is a lot more straightforward than most people think. In my video, I break down what actually changed, why sellers are still covering the buyer's agent fee in most transactions, and what buyers and sellers need to know before jumping back into the market. Watch my video to get the full picture before your next move.

Got a lowball offer on your home? I understand it’s frustrating, but don’t just walk away—they may be worth a look. Today, I’m sharing four strategies to handle lowball offers effectively and ensure you stay in control of the negotiation. You’ll learn how to assess the offer, stay calm, make a confident counteroffer, and know when it’s time to walk away. If you want to learn more, check out my video.