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The real estate market of today is very different than 10, 20, or 30 years ago. Issues regarding seller or buyer representation, disclosures, and liability make a real estate transaction a much more formidable task than it had been when many seniors purchased the homes in which they now reside. In addition, most seniors may regard their homes with the same attachment they feel towards their oldest and dearest friends, adding an emotional element to an already complicated situation. The best way to reduce the stress is to seek out good information and to plan ahead. A REALTOR is in a good position to provide professional counseling to help homeowners objectively assess their present and future housing needs. Couples should decide together what their plans are for the next five and ten years. Where would they like to be? What would they like to be doing? How is their general health? Are there physical conditions to take into account? Will their income be able to support the lifestyle they desire?

How does the home fit? Is it too large, difficult to navigate or to maintain? Owning too much house can be financially draining, even if nothing is owed on a mortgage. Taxes, insurance, utilities, and repairs can drain hard-earned savings. Smaller home options may include a smaller single-family home, perhaps a stairless ranch. A condominium may be the best choice for independent seniors who don't want to spend time or money on the upkeep of the exterior

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of a home. Have children or grand-children moved back in? A larger home, near good schools (perhaps a multi-family dwelling) may be just what is needed. Perhaps the house is the right size, but accommodations need to be made. Should the bedroom be moved to the first floor? Should a walk-in shower with grab bars be installed? Is a ramp necessary? Universal access can greatly add not just to the home's value, but also make it usable to the homeowner much longer.

Before a decision needs to be made under less than ideal circumstances, find a REALTOR with whom you feel comfortable and who comes highly recommended. Check references and inquire at the local Board of Realtors regarding any complaints that may have been filed. Interview REALTORS until you find one who offers to be a real estate information resource. A real estate professional who is willing to sit down with you, show you options, and work with you when you are ready to buy or sell property will become a trusted advisor, helping you to prepare for an independent and satisfying future.