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Do Repaired REO Homes Sell for More Than As-Is REO Homes

By
Real Estate Agent with Howard Hanna Smythe Cramer

I am not an REO listing agent but have sold REO, HUD, etc. In my experience from a buyer's agent standpoint, my buyers will pay more for a home that is already repaired. That may sound like a no brainer. But my point is, when a buyer without remodeling experience looks at REO homes, they will always over estimate in their minds how much it will cost to repair. So their bids are always VERY low.

The REO homes I've sold that have been in relatively good condition, have often times been in multiple bid situations.

So why do you think it is, the banks don't often make value repairs to their inventory? I know some do, but many don't. I still run into many that have never even turned utilities back on.

For those of you working with these listings, do you find the banks really putting thought into the cost estimates they've received for the repairs vs the dollar they think it will bring them in a sale?

From my view point, it seems not only would they probably get their repair money back and then some, but it would increase the home values in the areas of these foreclosed homes (not their worry, I know). I guess I'm reaching for anything to better the market for the regular Joes.

What have you as REO listing agents run into with repairs and the logic behind to do or not to do?

Chandler Real Estate Liz Harris, MBA
Liz Harris Realty - Chandler, AZ
#ChandlerRealEstateAgent

I think that the banks wind up getting close to the same amount of money when repairs are made to home that aren't so bad... now, if the house is in horrible condition, I think it makes a difference.

Dec 28, 2010 02:05 PM
Jenny Durling
L.A. Property Solutions - Los Angeles, CA
For Los Angeles real estate help 213-215-4758

In my market it seems REO's go for more when they are fixed up. If they are a mess, they are mostly purchased by investors for cash. When they are decent they go in multiples to first time buyers. I think the condition a property is sold in has alot to do with the listing agent and what they recommend to the bank as well as what repairs they are willing to arrange for and get paid back later.

Dec 28, 2010 02:12 PM
Linda Graves Arnold
Coldwell Banker Gundaker-St. Louis, MO - Chesterfield, MO
St. Louis Real Estate Pro - 314-422-2762 - Referr

Jessica We work with a bank and sell their REO properties.  We love working with them because they really do get the homes in show ready shape including staging to get the highest dollar.  It really seems to work.  They really GET what it takes to sell a house today.

Dec 28, 2010 02:16 PM
F U
nobody - Alamance, NT
Dead

I think this is a valid point. If the home is repaired it appeals to a larger amount of buyers. I just had a REO deal fall through because $30,000 in repairs became to much for a buyer to accept. We asked the REO company to increase the offer and pay for some repairs and they declined. Now the home sits getting worst and you have to ask, Why?

Dec 28, 2010 02:16 PM
Rodney Mason, VP of Mtg Lending
Rate, Inc NMLS# 2611 - Atlanta, GA
AL,AR,AZ,CA,CO,FL,GA,IN,MI,MS,NC,NV,SC,TN,TX,VA,WA

A repaired home is also much easier to finance.  A home in extensive need of repairs is going to limit buyers to paying cash or getting an FHA 203K Renovation mortgage.

Dec 28, 2010 02:25 PM
Jessica Harwick
Howard Hanna Smythe Cramer - Wadsworth, OH

Thank you all for your input! I hadn't really thought that it might come down to what the listing agent recommends for repairs based on thier out of pocket. I have heard most if not all asset management companies will ask the agents to front all repair money. I suppose that could get to be too much for any agent.

The financing issue is a great point, Rodney. Repaired homes will definitely open up the pool of potential buyers for the banks.

Dec 28, 2010 02:40 PM
Wayne Johnson
Coldwell Banker D'Ann Harper REALTORS® - San Antonio, TX
San Antonio REALTOR, San Antonio Homes For Sale

Good question Jessica. You got some answers that I did not expect. I want to do some REO work next year so this was a timely issue for me.

Dec 28, 2010 03:01 PM
Jessica Harwick
Howard Hanna Smythe Cramer - Wadsworth, OH

I have been pursuing REO listings as well, Wayne. Call me crazy! Even with all I've heard, I'm going for it. Check with me on a year to see if I'm in a straight jacket!

Dec 28, 2010 03:07 PM