In the early years of your mortgage, nearly 100 percent of your payments are applied to interest, ... Whenever you increase your principal, you change the mathematics entirely.

A broker's referral can be a good starting point. But even if you're time-pinched, you'll want to call references.

Some final decisions, like pricing, should always be reserved for the seller.

Tell your agent to give you a list of nearby properties that have sold recently, along with the final sum they yielded at closing. Then take that list, get in your car and drive by these homes, noting how they compare with your own. This should take no more than 30 to 60 minutes.

Nobody should be cheated just because they're motivated to sell soon.

When you feel like your life is out of control, an organized, 'take charge' real estate agent may be just what you need to help make the most of your home sale.

The biggest influence on home values is supply and demand.

You need a selling plan that's abbreviated but still covers all the bases.

Knowing what you'll do if your home doesn't sell quickly should calm your nerves and let you concentrate on whatever crisis has befallen you.