Selling a home in
MA & NH, answered.
The questions sellers ask us most. If yours is not here, reach Lisa directly at lisa.sevajian@exprealty.com or 978-457-3406.
Twenty-some years ago, I was a young single mother in the middle of a divorce — and a few months behind on my mortgage.
The calls started almost immediately. "Angel investors" who had found me through my divorce filing and my late mortgage payments — both matters of public record — offering to take the house off my hands. Quickly. Quietly. For a fraction of what it was worth.
They weren't villains. What they were offering — a fast, private, off-market transaction — is exactly what some sellers need. But I wasn't one of them. My home had equity. I had options. I just didn't know it yet.
I dug in. I got to work. And somewhere in that process, I became so determined to understand how the system worked — and how it could be used for people rather than against them — that I got my real estate license. That experience is the reason I'm here. It's the reason this guide exists.
More than twenty years later, I'm in the top 1.5% of all realtors in the United States. Not despite that chapter — largely because of it.
"Not all homes should sell privately. Not all sellers want maximum exposure. Your job is to understand your options — and choose what feels right."
What follows is an honest, unbiased look at both paths. I've seen every version of this decision play out — and the right answer is never the same twice.
The right sale strategy isn't about what's trending — it's about what's right for you. Meet four sellers whose circumstances are very real, and play out every day.
Dorothy raised four children in the Cape Cod she and her late husband bought in 1974. She is proud, fiercely independent, and deeply private. A series of medical emergencies wiped out her savings and she fell behind on her mortgage. By the time her daughter reached out to an agent, Dorothy had 18 days before the bank filed for foreclosure.
Her home hadn't had major updates since the early 2000s and would not pass a conventional appraisal. FHA and VA financing were not an option. Every failed contract would cost her precious days she didn't have.
A private approach — targeted directly at cash buyers and builders who could see the land value — produced a clean offer and a close in 14 days. No open houses. No strangers through her home. No public listing broadcasting her financial distress to the neighborhood. Dorothy settled her debt, moved in with her daughter, and kept her head held high.
Marcus is a VP at a publicly traded company — easily Googled. When he accepted a relocation to Austin, he needed to sell his four-bedroom Andover home without his address, timeline, and asking price appearing on Zillow for colleagues and competitors. His tenant had two months left on their lease. Forty weekend showings were not realistic.
A curated buyer network produced three serious offers in ten days. Marcus accepted a strong cash offer, negotiated a leaseback for the tenant's remaining term, and closed without a single listing photo going public. Privacy preserved. Timeline met. Zero drama.
Eight years of renovations. New kitchen, finished basement, updated baths. Retiring to Florida, no rush, nothing to hide. A home that will photograph beautifully and appeal to everyone.
11 showings first weekend. Four offers Monday morning. Closed 6% above asking.
Selling her starter condo to fund a down payment on a larger home. Clean, updated, financing-friendly building. Comfortable with showings, no reason for privacy, 60-day window.
Seven offers by Sunday. Accepted $12,000 above asking — no contingencies.
Both of these sellers had homes ready to compete: updates done, no financing flags, no privacy constraints, and time to run a full marketing cycle. When those four factors line up, on-market consistently produces the strongest result. When even one is missing, the calculation changes — which is exactly what the next pages address.
Before you commit to any strategy, you deserve a clear, honest picture of what each path actually means — not a sales pitch, just the facts.
Your property is listed publicly on the MLS and syndicated to all major portals. Every buyer, every agent, and the general public can see it — simultaneously.
Your property is sold privately — without a public MLS listing. Marketing is targeted to a curated pool of buyers, investors, or an agent's network, keeping the transaction largely confidential.
Are you in a hurry, or do you have flexibility to wait for the best offer?
Do you need to maximize sale price, or is certainty and speed the priority?
Would you prefer to keep your sale discreet and out of public view?
Will the home pass conventional financing, or is cash-only more realistic?
Buyer demand and inventory levels affect how each strategy performs.
Unique, luxury, or investment properties may perform differently in each path.
"I've seen both strategies serve sellers extraordinarily well — and fail them completely. The difference is almost never the strategy. It's the fit."
The pros and cons matter. So do the dollars. Several major industry studies have measured the financial difference between selling on the MLS versus selling privately. The findings are not unanimous — but the weight of the evidence points one direction.
Across 442,829 comparable home sales over two years in the Mid-Atlantic region, homes sold off the MLS closed for a median 16.98% less than comparable homes marketed on the MLS. On a $750,000 home, that is roughly $127,000 in lost value.
Not every study agrees. A 2026 academic study from the University of Georgia analyzed Dallas-Fort Worth sales from 2002 to 2022 and found that homes never listed on the MLS sold for 1.7% more than comparable publicly marketed homes. The data is not unanimous — but the majority of large-scale studies show on-market producing higher prices, with the largest gaps in the lower and mid-tier price bands.
| On-Market | Off-Market | |
|---|---|---|
| Buyer Exposure | Maximum — entire active market | Limited — targeted pool |
| Price Potential | Highest with competitive bidding | Moderate to strong |
| Timeline | Weeks to months | Days to weeks |
| Privacy | Low — fully public | High — private |
| Showings Required | Yes — often many | Minimal to none |
| Contingencies | Typical | Often waived |
| Best For | Price maximization | Speed, privacy, simplicity |
Understanding each sale type from a professional standpoint helps agents advise clients with confidence — and make clear-eyed decisions about their own business.
In an off-market transaction, when the listing agent also introduces the buyer, they may serve as a disclosed dual agent — representing both parties in the same transaction. When this happens, the agent earns both sides of the commission. And they deserve every dollar of it. They are doing double the work: managing the seller's goals, the buyer's expectations, the negotiation, the paperwork, and the entire transaction — simultaneously, as a single point of accountability.
That said, the choice is always yours. When you hire an agent to represent you as a seller, you have the right to decide whether you want that same agent to also work with the buyer — or whether you'd prefer the buyer to be represented independently. Both are valid. Both are legal. What matters is that you understand the difference and make an informed decision. Know your options.
In twenty years of real estate I've rarely seen a market this complex. The laws around inspections, documentation, and buyer qualification are not a footnote — they are the entire game. A direct sale is possible. It happens. But the moment two parties sit across from each other without professional representation, the risk asymmetry is real.
A skilled negotiator on the buyer's side can systematically reduce what they pay. A skilled negotiator on the seller's side can protect — or enhance — what they receive. Without either, someone almost always leaves something significant on the table.
The two questions worth sitting with honestly:
My position is not that direct sales can't work. My position is that in this market — with the complexity of today's contracts, contingencies, and buyer qualification requirements — the margin for error is thin and the consequences are real.
The Jamesons called to cancel our upcoming listing agreement. A neighbor wanted to buy their house directly — and they would save the 4% commission. I told them they should absolutely go for it if that felt right. I gave them the necessary documents, set them up with an attorney, and sent them off with my full support.
Two months later, they came back. The buyer couldn't buy. He wasn't qualified. They had been in a binding agreement — with a buyer who had no path to financing — for sixty days.
Two months lost. Market momentum gone. I would have identified the buyer's qualification issue in twenty minutes.
"I support whatever choice serves you best. I just want you to make that choice with both eyes open."
Every seller's situation is unique. Use this as a starting framework — then have a candid conversation with your agent.
The questions sellers ask us most. If yours is not here, reach Lisa directly at lisa.sevajian@exprealty.com or 978-457-3406.
Client reviews
"Lisa and her team are incredible. They are extremely responsive throughout the process and helped us walk through potential properties to find an absolute dream home. Lisa is an expert negotiator and we were able to get everything that we wanted."
Kevin Liu
Bought a home in Georgetown, MA · May 2024 · Read on Zillow
"Lisa exceeded every expectation I had as a realtor. She listened to me and understood what I needed in this home sale, and created a pricing and marketing strategy to meet our family's needs. She took our home from listed to a signed Purchase and Sale quickly."
Elizabeth Reifsnyder
Sold a home in Andover, MA · June 2018 · Read on Zillow
"Calling Lisa to sell our house was the best decision we made. Her expertise and passion for her work is apparent. Because of her superb marketing abilities and enthusiasm, we had an offer on our antique house quickly and for a strong price."
Leeann Stella
Sold a home in Wilmington, MA · August 2019 · Read on Zillow
"My husband and I just purchased our first house and used Lisa as our agent. It was a long journey finding our perfect home since we were willing to wait for the right place, and Lisa was incredibly knowledgeable and patient throughout the entire process."
Katelyn B.
Bought a home in Newburyport, MA · July 2019 · Read on Zillow
Liza
Andover, MA · June 2018 · Read on Realtor.com
Lisa leads a team approaching 2,000 sales across Massachusetts and New Hampshire and ranks in the top 1.5% of over 1,400,000 Realtors. She has spoken at Placester, NurtureCon, RE/MAX, Coldwell Banker, Leading Edge, Compass, Inman News Main Stage, Market Maker, and Curaytor.