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Kevin Stuteville
EffectiveAgents.com Founder
Kevin Stuteville is the founder of EffectiveAgents.com, a leading platform that connects homebuyers and sellers with top real estate agents. 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.
Latest Articles
Published April 28, 2026
TL;DR
A divorce decree does not change your mortgage. Both spouses remain legally on the loan until it is refinanced, assumed, or paid off through a sale...
Published April 22, 2026
Quick Summary
Zillow Preview lets participating brokerages pre-market coming-soon listings publicly on Zillow and Trulia before they go active in the MLS...
Published April 16, 2026
TL;DR
Lenders qualify you on a 2-year average of net taxable income from your Schedule C, K-1, or corporate returns, not gross revenue, so aggressive wri...
Published April 28, 2026
TL;DR
A divorce decree does not change your mortgage. Both spouses remain legally on the loan until it is refinanced, assumed, or paid off through a sale...
Published April 22, 2026
Quick Summary
Zillow Preview lets participating brokerages pre-market coming-soon listings publicly on Zillow and Trulia before they go active in the MLS...
Published April 16, 2026
TL;DR
Lenders qualify you on a 2-year average of net taxable income from your Schedule C, K-1, or corporate returns, not gross revenue, so aggressive wri...
Published Articles
Published April 28, 2026
TL;DR
A divorce decree does not change your mortgage. Both spouses remain legally on the loan until it is refinanced, assumed, or paid off through a sale...
Published April 22, 2026
Quick Summary
Zillow Preview lets participating brokerages pre-market coming-soon listings publicly on Zillow and Trulia before they go active in the MLS...
Published April 16, 2026
TL;DR
Lenders qualify you on a 2-year average of net taxable income from your Schedule C, K-1, or corporate returns, not gross revenue, so aggressive wri...
Published April 13, 2026
TL;DR: Buying a FSBO Home
FSBO homes often sell for significantly less than agent-assisted listings, but that does not always mean buyers get a deal, sin...
Published April 11, 2026
TL;DR
Selling a home with unpermitted work is legal in most states, but you must disclose known permit violations to buyers upfront.
Retroactive perm...
Published April 9, 2026
TL;DR: Seller Concessions at a Glance
Seller concessions are credits the seller pays toward the buyer's closing costs, typically ranging from 2% to 6% of...
Published April 7, 2026
TL;DR
A home appraisal is an independent valuation ordered by your lender to confirm the property's worth supports the loan amount.
Appra...
Published April 2, 2026
TL;DR: Seller Disclosure Requirements
Every state except a handful of "caveat emptor" states requires sellers to disclose known material defects, and...
Published April 2, 2026
TL;DR: Tax Benefits of Homeownership
The TCJA nearly doubled the standard deduction, so roughly 87% of filers no longer itemize, meaning the mortgage...
Published April 28, 2026
TL;DR
A divorce decree does not change your mortgage. Both spouses remain legally on the loan until it is refinanced, assumed, or paid off through a sale...
Published April 22, 2026
Quick Summary
Zillow Preview lets participating brokerages pre-market coming-soon listings publicly on Zillow and Trulia before they go active in the MLS...
Published April 16, 2026
TL;DR
Lenders qualify you on a 2-year average of net taxable income from your Schedule C, K-1, or corporate returns, not gross revenue, so aggressive wri...
Published April 13, 2026
TL;DR: Buying a FSBO Home
FSBO homes often sell for significantly less than agent-assisted listings, but that does not always mean buyers get a deal, sin...
Published April 11, 2026
TL;DR
Selling a home with unpermitted work is legal in most states, but you must disclose known permit violations to buyers upfront.
Retroactive perm...
Published April 9, 2026
TL;DR: Seller Concessions at a Glance
Seller concessions are credits the seller pays toward the buyer's closing costs, typically ranging from 2% to 6% of...
Published April 7, 2026
TL;DR
A home appraisal is an independent valuation ordered by your lender to confirm the property's worth supports the loan amount.
Appra...
Published April 2, 2026
TL;DR: Seller Disclosure Requirements
Every state except a handful of "caveat emptor" states requires sellers to disclose known material defects, and...
Published April 2, 2026
TL;DR: Tax Benefits of Homeownership
The TCJA nearly doubled the standard deduction, so roughly 87% of filers no longer itemize, meaning the mortgage...