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Kevin Stuteville
Founder
Kevin Stuteville is the founder of EffectiveAgents.com, the nation's first agent ranking platform. Kevin was the first person in the United States to rank realtors with the express purpose of improving transaction outcomes. EffectiveAgents analyzes transaction data across the U.S. to surface real estate agents who are outperforming their peers. With a deep understanding of the real estate market and a commitment to innovation, Kevin has built EffectiveAgents.com into a trusted resource for home buyers and sellers nationwide. His expertise and dedication to data transparency have made him a respected voice in the industry.
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Latest Articles
Published August 4, 2026
A plain-English walkthrough of how a reverse mortgage payoff works when you sell: the closing mechanics, the non-recourse 95% rule, realistic heir timelines, and when a deed in lieu or foreclosure beats a traditional sale.
Published August 3, 2026
Homeowners insurance has become a national affordability and dealbreaker issue. Here is why premiums are climbing, where it is worst, how it cuts your buying power, and what buyers and sellers can actually do about it in 2026.
Published August 2, 2026
Second homes play by different rules: bigger down payments, cash reserves, occupancy promises, and an IRS 14-day test that decides your taxes. Here is what to plan for, plus a calculator to check your payment, reserves, and DTI.
Published August 4, 2026
A plain-English walkthrough of how a reverse mortgage payoff works when you sell: the closing mechanics, the non-recourse 95% rule, realistic heir timelines, and when a deed in lieu or foreclosure beats a traditional sale.
Published August 3, 2026
Homeowners insurance has become a national affordability and dealbreaker issue. Here is why premiums are climbing, where it is worst, how it cuts your buying power, and what buyers and sellers can actually do about it in 2026.
Published August 2, 2026
Second homes play by different rules: bigger down payments, cash reserves, occupancy promises, and an IRS 14-day test that decides your taxes. Here is what to plan for, plus a calculator to check your payment, reserves, and DTI.
Published Articles
Published August 4, 2026
A plain-English walkthrough of how a reverse mortgage payoff works when you sell: the closing mechanics, the non-recourse 95% rule, realistic heir timelines, and when a deed in lieu or foreclosure beats a traditional sale.
Published August 3, 2026
Homeowners insurance has become a national affordability and dealbreaker issue. Here is why premiums are climbing, where it is worst, how it cuts your buying power, and what buyers and sellers can actually do about it in 2026.
Published August 2, 2026
Second homes play by different rules: bigger down payments, cash reserves, occupancy promises, and an IRS 14-day test that decides your taxes. Here is what to plan for, plus a calculator to check your payment, reserves, and DTI.
Published August 1, 2026
Whether a pool helps or hurts your home sale depends on climate, price point, and your buyer pool. Here is the honest data on value, liability, disclosure, safety fixes, and the real cost of removing a pool before you list.
Published July 31, 2026
A practical guide for sellers who discover a fence, shed, driveway, or easement crossing a property line: how to identify the issue, what you must disclose, how title insurance and closing handle it, and when a minor overlap simply is not worth fixing.
Published July 30, 2026
Downsizing isn't automatically cheaper once you factor in selling costs, today's mortgage rates, capital gains, and HOA fees. Here's the honest math for empty nesters, plus a net-proceeds calculator and three real scenarios.
Published July 15, 2026
Quick Summary
Rent-to-own bundles two contracts: a normal lease plus an option (or obligation) to buy the home later at a price set today.
A lease-option lets ...
Published July 13, 2026
Quick Summary
A typical purchase closing involves 20 or more documents, but only three carry the real weight: the Closing Disclosure, the promissory note...
Published June 19, 2026
Quick Summary
The income to afford a median home now reaches $458,504 in San Jose, $321,463 in San Francisco, and $200,280 in New York, against a U.S. me...
Published August 4, 2026
A plain-English walkthrough of how a reverse mortgage payoff works when you sell: the closing mechanics, the non-recourse 95% rule, realistic heir timelines, and when a deed in lieu or foreclosure beats a traditional sale.
Published August 3, 2026
Homeowners insurance has become a national affordability and dealbreaker issue. Here is why premiums are climbing, where it is worst, how it cuts your buying power, and what buyers and sellers can actually do about it in 2026.
Published August 2, 2026
Second homes play by different rules: bigger down payments, cash reserves, occupancy promises, and an IRS 14-day test that decides your taxes. Here is what to plan for, plus a calculator to check your payment, reserves, and DTI.
Published August 1, 2026
Whether a pool helps or hurts your home sale depends on climate, price point, and your buyer pool. Here is the honest data on value, liability, disclosure, safety fixes, and the real cost of removing a pool before you list.
Published July 31, 2026
A practical guide for sellers who discover a fence, shed, driveway, or easement crossing a property line: how to identify the issue, what you must disclose, how title insurance and closing handle it, and when a minor overlap simply is not worth fixing.
Published July 30, 2026
Downsizing isn't automatically cheaper once you factor in selling costs, today's mortgage rates, capital gains, and HOA fees. Here's the honest math for empty nesters, plus a net-proceeds calculator and three real scenarios.
Published July 15, 2026
Quick Summary
Rent-to-own bundles two contracts: a normal lease plus an option (or obligation) to buy the home later at a price set today.
A lease-option lets ...
Published July 13, 2026
Quick Summary
A typical purchase closing involves 20 or more documents, but only three carry the real weight: the Closing Disclosure, the promissory note...
Published June 19, 2026
Quick Summary
The income to afford a median home now reaches $458,504 in San Jose, $321,463 in San Francisco, and $200,280 in New York, against a U.S. me...