Kelli Miller, San Diego Realtor | Coastal Collective Real Estate

Frequently Asked Questions of a Realtor

Whether you’re preparing to buy, sell, or invest in coastal real estate, knowing what to ask your Realtor is key.
Let’s look at some of the questions I hear from clients across North County San Diego — and the answers that can guide your next steps.

General Questions About Realtors & Choosing the Right Agent

The right Realtor listens, communicates clearly, and genuinely cares about your goals—not just the sale. Look for someone who knows your local market, has strong reviews or referrals, and makes you feel comfortable and supported. Real estate is as personal as it is financial, and the right agent should make you feel understood, not pressured. My approach is simple: your goals become my goals, and I guide you with care, strategy, and honesty.

Realtors are typically compensated through a commission paid by the seller once the home sells. That commission is shared between the buyer’s and seller’s agents. As a buyer, you usually don’t pay your realtor directly, but this is something that is negotiated. My focus is on creating value for you—through careful negotiation, local insight, and a seamless experience from start to finish. Contact me directly to discuss this further.

It’s almost always best to have your own dedicated representation. A great buyer’s agent works solely for you, protecting your interests and ensuring you get the best possible terms. The listing agent’s job is to represent the seller. When I represent buyers, I focus entirely on helping them find the right home, not just any home—because your priorities should always come first.

Ask about their experience, communication style, and how they approach pricing or negotiation. You’ll also want to know how familiar they are with your area and whether they work full-time in real estate. I encourage potential clients to ask me anything—from my local track record to my process for keeping transactions smooth—because transparency builds trust, and trust builds successful outcomes.

A truly local Realtor understands not just the market data, but the lifestyle, community, and micro-trends that influence it. Look for someone who can speak confidently about nearby schools, amenities, and neighborhood character. I grew up and live in Encinitas, which gives me a firsthand perspective on how values shift block by block along the coast—and how to use that insight to your advantage.

You should expect proactive communication, clear guidance, and steady support from start to finish. I’ll help you identify the right homes, evaluate their value, negotiate on your behalf, manage inspections, and navigate every deadline with confidence. My goal is to make the process feel organized and empowering, so you can focus on the excitement of finding your new home—not the stress of logistics.

Selling your home should feel strategic and seamless. I handle everything from pricing, preparing the home to sell, marketing to showing coordination, negotiation, and closing. Expect consistent updates, honest advice, and hands-on support. Every home I list receives a customized marketing plan, professional photography, and thoughtful positioning designed to attract serious buyers—and deliver results.

You’ll know when it feels natural. The right Realtor listens to you, respects your pace, and makes you feel heard. You should feel that your goals—not theirs—drive the process. When I work with clients, I want them to feel supported, never pressured. A good fit means trust, communication, and shared values—that’s the foundation of a great partnership.

If you’ve signed a Buyer Broker Agreement, we can review it together to discuss your options. A Buyer Broker Agreement is a formal contract that outlines the terms of representation between you and your real estate agent — including responsibilities, duration, and expectations for both parties. However, you should never feel stuck in a relationship that doesn’t serve your best interests. If your situation has changed or you’re not receiving the level of service you expected, there are often ways to adjust or end the agreement professionally and fairly. My goal is always to help you make confident, informed decisions — whether that means continuing with your current agent or exploring new options that better align with your needs.

Real estate transactions are complex and highly detailed. A Realtor brings professional insight, negotiation skill, and access to data and networks that private buyers and sellers can’t easily reach. Working with me means you have an expert protecting your interests, catching details others miss, and ensuring your experience is as smooth and stress-free as possible.

Experience matters—but what matters most is how it’s applied. A seasoned Realtor knows how to adapt to shifting markets, anticipate obstacles, and negotiate effectively. My experience helping both buyers and sellers across Encinitas, Solana Beach, Carlsbad, and Del Mar means I bring both perspective and precision to every transaction, no matter the price point. And with experience comes relationships with other Realtors. We’re all on the same team, with the same goal, and I’m fortunate to have great relationships with so many San Diego Realtors. 

Local expertise means understanding more than just the map—it’s knowing how each neighborhood feels, what attracts buyers, and how values change block by block. It’s being able to tell you why one side of the street might get more sunlight or which area has hidden ocean views. My deep roots in Encinitas give me a true understanding of what makes our communities so special.

A full-service Realtor manages the entire process—from preparing your home for sale and crafting a marketing strategy to guiding you through inspections and closing–I like to provide what may be called ‘White Glove Service’. I also connect clients with my trusted network of lenders, stagers, contractors, and movers. You deserve a partner who handles every detail with care so you can move through the process confidently.

You can confirm a Realtor’s license through the California Department of Real Estate (DRE). It’s also important to review testimonials, referrals, and online presence. Reputation speaks volumes. I encourage clients to explore my reviews and community involvement—it’s the most genuine reflection of how I work and the results I deliver.

Ask about anything that affects your comfort or confidence—fees, timelines, strategies, or even your agent’s opinion. There are no “wrong” questions in real estate. I believe communication and honesty is everything, and you should always feel empowered to ask questions until you feel fully informed and secure in every decision.

Questions I get from San Diego home buyers

Buying a home in San Diego County’s coastal communities often comes with competition but a skilled realtor can help you navigate the process smoothly.

Readiness isn’t just financial—it’s emotional. You’re ready when you feel stable in your life and confident in your decision to invest in a place to call home. I help clients look at both the numbers and the lifestyle. In Coastal North County San Diego, that might mean choosing between ocean views and neighborhood amenities, or weighing timing against opportunity. My job is to help you find clarity and make your move with confidence.

You don’t have to, but it’s highly recommended. A pre-approval gives you a realistic budget and a competitive edge in multiple-offer situations. It also makes your home search more focused and efficient. I can connect you with trusted local lenders who make the process seamless, so you can shop confidently and move quickly when you find “the one.”

Every client’s timeline is unique. Some find their dream home in weeks, others take months—it depends on your goals, market conditions, and readiness. Once your offer is accepted, most San Diego County escrows close within 30 to 45 days. My goal is to make each step organized, stress-free, and aligned with your pace.

Definitely. Builders have their own representatives who work for them, not for you. I ensure your contract terms, upgrades, and closing process protect your interests. Having your own Realtor by your side gives you peace of mind and expert guidance at no extra cost.

You’ll have closing costs (typically 2–5% of the purchase price), inspection fees, appraisal costs, and moving expenses. I review these details upfront so you’re never caught off guard. Understanding every cost ahead of time helps you plan smartly and buy confidently.

Avoid big financial changes—don’t open new credit lines, switch jobs, or make large purchases until after closing. Also, don’t rush into decisions. I tell clients to focus on alignment over urgency; the right home should fit both your life and your budget. I’ll guide you carefully so every step feels intentional, not pressured.

Yes, and that’s one of the biggest advantages of working with a well-connected local Realtor. I often learn about homes before they’re listed through my professional network in Encinitas, Carlsbad, Solana Beach, and Del Mar. These quiet opportunities can give my clients a powerful advantage in a competitive market. I often will send out thousands of physical letters to homes in an area or neighborhood that a buyer is looking in, but can’t find anything available. Earlier in 2025, this got my buyers an incredible home in Carmel Valley that may not have gone on the market for another two years.

The first step is simple: a conversation. Before touring homes, we talk about your goals, budget, and must-haves. I then guide you through pre-approval and create a clear, customized plan. My focus is to make the process feel personal and empowering—not overwhelming.

Inspections reveal the real story behind a home. I help you interpret the report, identify what’s normal versus what’s concerning, and negotiate repairs or credits when needed. My role is to protect your investment, make sure you feel comfortable moving forward, while keeping your long-term goals in focus.

Not always. While 20% down avoids mortgage insurance, many qualified buyers purchase with far less. I’ll connect you with lenders who can review all available loan programs, including those that fit your financial goals. The right structure depends on what feels sustainable and smart for you.

Usually not. In California, the seller typically offers compensation to the buyer’s agent through the MLS, which means buyers receive full representation without paying an additional fee. When you sign a Buyer Broker Agreement, it simply outlines our working relationship and ensures you have dedicated representation throughout your home search.

It does not automatically mean you’ll owe a commission out of pocket. In most cases, the compensation offered by the seller covers your agent’s fee, and if anything differs in a specific property, we’ll review it together before you move forward. This way, you get expert guidance, advocacy, and negotiation fully focused on your best interests, with complete transparency from the start.

In fast-moving markets like ours, preparation is everything. I help my clients strengthen their offers through pre-approval, strategic terms, and compelling presentation. Sometimes it’s not just about price—it’s about trust and clarity. Sellers want to work with buyers who are prepared, reliable, and represented by an experienced agent who knows how to get deals done smoothly. 

Yes, and there are smart ways to do it. Some clients sell first, while others leverage equity or use bridge loans to buy before selling. I help you explore the best strategy for your financial comfort and timeline so your transition feels smooth, not stressful.

The right neighborhood feels like home. I start by learning about your lifestyle—commute, schools, community feel, walkability, and proximity to the beach—and then match that with areas that fit. Each part of Coastal North County has its own character: from the laid-back surf vibe of Leucadia to the family focus of Carmel Valley. My local expertise helps narrow your search to what truly fits you.

Absolutely—and they should. Buying a home can be emotional, but the right Realtor brings calm, confidence, and clarity. I take care of the details, deadlines, and communication so you can focus on the excitement of finding your next home. My goal is simple: to make you feel cared for, informed, and completely at ease throughout the process.

Questions from San Diego home sellers

From pricing and marketing to staging and timing, selling your home takes strategy.

Traditionally, spring and early summer are the most active seasons for real estate in San Diego. Longer days, warmer weather, and family moves aligned with the school year make this a natural window for selling. However, timing also depends on your specific neighborhood and price range. In Encinitas, for example, ocean-view homes attract interest year-round, while family homes in inland communities tend to peak in late spring. I evaluate market trends, buyer demand, and timing strategy to help you list when your home will shine brightest.

A skilled Realtor helps you earn top dollar through pricing strategy, presentation, and exposure. I start with a detailed market analysis, highlighting your home’s strongest features and identifying opportunities for maximum appeal. Then, I craft a marketing plan that blends professional photography, staging, and targeted online exposure. Throughout the process, I negotiate fiercely but fairly—protecting your interests and ensuring you achieve the best possible outcome with minimal stress.

Every home and market segment is unique, but in Coastal North County, most well-priced homes sell within 30 to 60 days. Luxury or niche properties may take longer depending on the season and buyer pool. My goal is always the same: to shorten time on market while maximizing your sale price. By pricing strategically and presenting your home beautifully, we attract serious, qualified buyers quickly.

Small repairs can make a big impact. Fixing visible issues like leaky faucets, chipped paint, or worn hardware can make your home feel well cared for. Larger renovations, however, should be strategic—focused on improving buyer perception and return on investment. I’ll walk through your home with you and create a customized list of what’s worth addressing before you go to market. Sometimes simple updates and staging create just as much impact as major improvements.

Staging helps buyers emotionally connect with your property. It highlights your home’s best features and allows buyers to imagine themselves living there—something that’s often difficult to achieve with an empty or personalized space. Staged homes consistently stand out in photos, online listings, and showings, which is why they tend to sell faster and for higher prices.

Industry data strongly supports this. RESA reports that staged homes average a sale-to-list ratio of about 107%, generate ROI in the thousands of percent, and spend roughly 12 days on the market—far shorter than unstaged homes. NAR also notes that over 80% of buyer agents say staging helps buyers visualize a property as their future home.

What this means for you: even a modest investment in staging can deliver exceptional returns. Whether we use full professional staging or elevate your home with strategic touches using your own furnishings, I ensure your property looks its absolute best before hitting the market—creating the emotional connection that motivates buyers to move from viewing to offering.

Yes—and with the right planning, it can be done smoothly. I help clients coordinate timelines, negotiate rent-backs, or explore bridge financing options so the transition between homes feels seamless. Whether you’re upsizing, downsizing, or relocating, I create a strategy that keeps your goals and comfort level front and center. You’ll never have to juggle the details alone

If your home hasn’t sold within a reasonable time, we take a step back and reassess. The key is identifying the reason—whether it’s price, presentation, or exposure—and making targeted adjustments. Sometimes a fresh approach to marketing or timing can reenergize interest. My commitment is to stay proactive, not passive, until your home is sold.

Pricing is both an art and a science. I use a comparative market analysis (CMA) to review recent sales, current listings, and local trends to determine a price that attracts buyers without leaving money on the table. The right price creates excitement and competition, which often leads to stronger offers. I’ll walk you through every detail so your pricing strategy feels informed and strategic, not uncertain.

It’s best not to be. Buyers often feel more comfortable exploring when the seller isn’t present. I’ll handle all showings personally or with trusted colleagues, ensuring your property is presented professionally and securely. My feedback system keeps you informed after each showing so you always know how buyers are responding.

Marketing is everything. Even the most beautiful home won’t sell itself without proper exposure. I use a full-service approach—professional photography, video tours, drone footage, social media advertising, email campaigns, and high-visibility placement on top real estate platforms. Every element is designed to highlight your home’s unique lifestyle appeal and attract the right buyers quickly.

You’ll be as involved as you want to be. Some clients prefer to step back while I handle the details; others like to be informed every step of the way. My role is to keep communication consistent and decisions clear. You can expect honesty, regular updates, and a transparent process that keeps you in control but never overwhelmed.

Closing costs for sellers typically include agent commissions, title fees, and transfer taxes. Depending on the transaction, you may also contribute toward buyer credits or repairs. I outline these costs upfront so there are no surprises later. Understanding your net proceeds from the start allows you to plan your next move confidently.

They can—especially when used strategically. Open houses create buzz, encourage foot traffic, and can generate multiple offers when timed right. I often pair them with targeted digital marketing to reach the right audience before the doors even open. Every showing, whether private or public, is an opportunity to present your home at its best.

The most common mistakes are overpricing, skipping simple preparations, and hiring the wrong representation. A home priced too high can sit on the market and lose momentum, while small details—like lighting, clutter, or photography—can make or break first impressions. I help clients avoid these pitfalls by positioning their homes perfectly from the start.

Yes. When you sell, the proceeds from your sale are used to pay off your remaining mortgage balance. I’ll coordinate closely with your lender to ensure the process is smooth and transparent. Whether you’re upgrading, relocating, or downsizing, we’ll walk through every step together to make sure your transition is financially sound.

Negotiation is one of the most valuable parts of having a Realtor. I manage offers, counteroffers, contingencies, and timelines—all while keeping your priorities at the forefront. My approach is professional but firm, ensuring we secure the strongest terms possible without losing the deal momentum. You’ll always be informed and supported through every decision.

Yes, full transparency is required by law in California. Disclosing known issues protects both you and the buyer, and helps avoid future disputes. I help you understand what needs to be disclosed and how to complete the necessary forms accurately. Honesty builds trust, and that trust often leads to smoother transactions.

You can—but you may leave money on the table and expose yourself to legal and logistical challenges. A Realtor provides market insight, marketing power, and negotiation expertise that most homeowners don’t have access to. I handle the details, protect your interests, and ensure your sale runs smoothly from start to finish. Most clients find the professional guidance pays for itself many times over.

Preparation and partnership make all the difference. From the moment we meet, I create a clear plan that covers pricing, timing, presentation, and communication. My job is to anticipate challenges before they happen and keep the process calm and organized. Selling your home is a major milestone—and it should feel exciting, not overwhelming. With the right guidance, it can be.

Working With a Realtor (Process & Relationship)

Understanding how your realtor communicates and negotiates helps you get the most out of your partnership.

A Realtor’s main job during negotiations is to protect your best interests. Whether it’s a buyer’s offer, a counter, or inspection-related credits, every detail matters. My role is to balance firmness with fairness—ensuring you achieve the best outcome while keeping the deal on track. Experience, emotional intelligence, and timing make all the difference. I approach each negotiation calmly and strategically, always keeping your goals front and center.

Consistent communication is the foundation of a great real estate partnership. You should never have to wonder what’s happening with your sale or purchase. I keep my clients informed at every stage—by text, call, or email—based on their preferred style. Whether it’s weekly check-ins or daily updates during key phases, my goal is for you to always feel informed, never in the dark.

Marketing today is a blend of strategy and storytelling. I use a full-service marketing approach that includes professional photography, video tours, social media campaigns, high-end print materials, and local + global exposure across top real estate platforms. Every home has a story, and my job is to tell it in a way that connects emotionally with the right buyers. From luxury listings to family homes, I ensure your property stands out in all the right ways.

You can, but it’s not recommended. Working with multiple Realtors can create confusion and mixed representation. When you commit to one Realtor, they can fully dedicate their time, resources, and strategy to your goals. My clients know I give 100% to every relationship—because loyalty and focus are what deliver real results.

A truly local Realtor understands not just the zip codes, but the lifestyle, community feel, and rhythm of the market. They know where kids walk to school, how traffic flows at different times, and which coffee shops the locals actually go to. I grew up and live in Encinitas, so my advice comes from both professional expertise and personal experience. That local connection allows me to guide clients toward neighborhoods that fit not just their needs—but their lives.

Many people choose based on personality or lowest commission alone, but experience and trust are far more valuable. The wrong agent can cost you time, money, and peace of mind. The right Realtor listens, communicates, and puts your needs before theirs. My advice: choose someone who sees your goals as their own—and has the local knowledge and track record to back it up.

The best relationships are built on honesty, trust, and communication. Be open about your goals, your concerns, and your expectations from the start. I believe in collaboration—keeping my clients informed, supported, and empowered throughout the process. When we work as a team, we can navigate challenges smoothly and make every decision with confidence.

That’s completely okay. Real estate is a partnership, and healthy discussions are part of it. My job is to provide expert guidance and explain the reasoning behind my recommendations, but you’ll always make the final call. I believe in open, respectful communication—because when you understand your options fully, you can make choices that feel right for you.

You’ll feel it in how they listen, communicate, and prioritize your goals. A good Realtor never pushes or pressures—they educate, support, and protect. I measure success not just by closed transactions, but by long-term relationships built on trust. My goal is to make sure you always feel guided, not sold.

Your relationship with your Realtor shouldn’t end at closing. I continue to be a resource for my clients long after they’ve moved in—connecting them with trusted contractors, designers, or market updates as their needs evolve. Many of my clients become lifelong friends, and I take pride in being someone they can call anytime, whether they’re thinking about remodeling, refinancing, or simply curious about the market.

Unexpected challenges can arise—but that’s where experience matters most. From inspection results to appraisal concerns or document delays, I stay proactive, keeping communication clear between all parties to keep things moving forward. My goal is to resolve problems calmly and efficiently so you never feel overwhelmed or unprepared.

Real estate moves quickly, and strong communication ensures you stay ahead. Whether it’s responding to offers, updates, or new opportunities, responsiveness is key. I make it a priority to be accessible and clear—so you always know what’s happening, why it matters, and what comes next. Great communication builds confidence, and that’s the foundation of every successful transaction.

That’s completely normal. Buying or selling a home can be emotional and overwhelming, especially in today’s market. My role is to take the weight off your shoulders by breaking things down clearly and handling the details behind the scenes. I want you to feel calm, confident, and cared for every step of the way.

Because the right Realtor changes everything. They guide, protect, and empower you from start to finish—turning what could be a stressful experience into a rewarding one. A great Realtor cares more about your needs than their own, knows the market deeply, and leads with honesty and heart. My goal is to be that kind of Realtor for every client I serve—to deliver results, peace of mind, and a genuinely positive experience.

Meet with them. Ask questions. Pay attention to how they listen and communicate. A good Realtor will take time to understand you, not rush you into a decision. You should feel comfortable, confident, and respected from the first conversation. Trust your instincts—when it feels like the right fit, it usually is.

Mutual respect and genuine care. Real estate isn’t just about transactions—it’s about people. I build long-term relationships by staying in touch, offering guidance beyond the sale, and celebrating each client’s success. When you know your Realtor truly has your back, that partnership lasts well beyond closing day.

Because real estate is local—and lifestyle matters as much as price. A Realtor who knows the area can tell you about the best schools, hidden beaches, and how market trends shift block by block. My lifelong connection to Encinitas and Coastal North County San Diego allows me to offer insights that go far beyond the data. It’s not just about selling homes—it’s about helping you find your perfect place in the community.

Related Articles & Local Insights

Kelli-Miller-Encinitas-Realtor-Benefits-of-Using-a-Real-Estate-Agent-The-Hidden-Advantages-Luxury-Real-Estate

Benefits of Using a Real Estate Agent: The Hidden Advantages

From pricing strategy and negotiation to local market insight and risk protection, a trusted Realtor provides powerful behind-the-scenes advantages that save you time, money, and stress—while guiding every decision with confidence.

Kelli Miller Encinitas Realtor Encinitas Tips for First-Time Homebuyers

Essential Tips for First-Time Homebuyers in San Diego

Buying your first home can feel overwhelming, but the right guidance makes all the difference. This guide covers the key steps every first-time buyer should know—from budgeting and loan options to inspections and offer strategies—so you can move forward with clarity and confidence.

Kelli Miller Encinitas Realtor CA San Diego Discover the Top Neighborhoods of Coastal San Diego

Explore the Best Neighborhoods in Coastal North San Diego

From family-friendly communities to walkable beach neighborhoods, Coastal North San Diego offers something for everyone. Discover what makes Encinitas, Carlsbad, Solana Beach, and Del Mar unique—and find the perfect area that fits your lifestyle and long-term goals.

Ready to Take the Next Step?

Whether you’re buying, selling, or exploring your options, having the right Realtor by your side makes all the difference. As a lifelong Encinitas resident and North County San Diego Realtor, I’m here to guide you with clarity, care, and local expertise.

If you’re ready to talk through your goals or the market, I’d love to connect.

Want to be a san Diego Real Estate Insider?

Sign up to receive our newsletter every Friday. You’ll love it. Never spam.