Why Isn’t My Home Selling?

By The Libby Starnes Team 

 Selling a home can be an exciting journey, but it can also be frustrating when your listing isn’t attracting offers. If your property has been on the market for weeks – or even months – without a sale, you may be asking yourself: Why isn’t my home selling? Understanding the common factors that affect home sales can help you make informed decisions and get your property sold. 

1. Pricing is Key
One of the most frequent reasons a home doesn’t sell is pricing. Overpricing can turn away potential buyers, while underpricing might make buyers question the home’s value. Buyers today have access to extensive market data and can easily compare listings. A competitive, well-researched price based on current market trends is essential to attract interest and offers.

2. First Impressions Matter
Your home’s curb appeal can make or break a sale. Buyers often decide within seconds if they want to see a home in person. Simple improvements – fresh paint, trimmed landscaping, clean walkways – can make a significant difference. Once inside, ensure the home is clean, decluttered, and well-staged to highlight its best features.

3. Marketing That Misses the Mark
Even the most beautiful home won’t sell if buyers don’t know it exists. Professional photos, virtual tours, and strategic online marketing are critical in today’s digital-first real estate market. A strong marketing plan ensures your home reaches the right audience and generates the attention it deserves.

4. Limited Availability for Showings
If buyers can’t easily view your home, they can’t fall in love with it. Flexible showing times and open houses increase the number of potential buyers who experience the home firsthand. The more people who see it, the higher the chances of receiving an offer.

5. Condition and Updates
Homes that show signs of deferred maintenance or outdated features can struggle to sell. Buyers want a home they can move into without major repairs or costly renovations. Addressing obvious repairs, updating kitchens or bathrooms, and ensuring systems like plumbing and HVAC are in good working order can make your listing more appealing.

6. Market Timing and Competition
Sometimes, the issue isn’t your home at all – it’s the market. If your area has many similar homes for sale or the season is slow, it can impact how quickly your home sells. Understanding the local market conditions and working with a knowledgeable agent can help you adjust your strategy accordingly.

7. Emotional Attachment

It’s natural to feel attached to your home, but personal taste can unintentionally turn off buyers. Neutral décor, depersonalized spaces, and creating a “blank canvas” for buyers help them imagine themselves living there.

What You Can Do

If your home isn’t selling, it’s time to evaluate the listing with fresh eyes. Talk with your real estate agent to review pricing, marketing, presentation, and market conditions. Small adjustments can create big results. Remember, selling a home is both an art and a science—strategic changes can make all the difference.

At The Libby Starnes Team, we help homeowners in Windham and beyond understand the market and take the steps needed to sell successfully. We can guide you through a customized plan to get it in front of the right buyers and moving toward a successful sale.

For more updates, listings, or to schedule a consultation, visit www.libbystarnesteamhomes.com or follow The Libby Starnes Team on social media. <

Federal Reserve drops interest rate .25 percent finally

By Matthew Trudel

The Federal Reserve lowered the benchmark interest rate by a quarter of a percent (.25 percent) last week. This is the first rate cut this year, and they seemed to signal there will be a series of cuts to follow suit.

This is meant to lower interest rates and provide some relief to consumers. This does mean mortgage rates will go down slightly, but it is not immediate. This takes a little time for the market and banking industry to adjust.

What does this mean for buyers and sellers in today’s market?

For buyers it means several things. The first one is obvious that hopefully they can lock in a lower interest rate when they find the property that they want to purchase.

Rates are currently fluctuating right around 6.5 percent with good credit. I can see the rates being in the 6.25 percent to 6 percent range in the near future. This change in rate also helps buyers in another way that many people don’t think about.

The lower rate now gives the buyers more purchasing power.

Buyers gain more purchasing power with a lower interest rate because the loan amount can be higher than the previous loan amount and still keep the payment the same.

For example, let’s just say a buyer has a loan amount of $400,000 with an interest rate of 6.5 percent and the payment is $2,528. Now if the interest rate drops to 6 percent the buyer can keep the same payment of $2,528 and can increase their loan amount to $421,695. This translates to them being able to look at homes $20,000 to $25,000 higher in price or compete against other buyers for a property and offer is higher price.

This is also good news for all of you sellers out there.

The lower rate will help sellers out when they decide to put their property on the market if it isn’t already listed and on the market. The lower rate gave buyers more purchasing power as we just discussed. This means more buyers can afford to purchase the seller’s property. So now the seller has a larger pool of buyers and potentially more competition from those buyers.

With the Federal Reserve signaling another lowering of the rate may be coming, should buyers wait to purchase a property?

That is more of a personal decision that should be made about what your current situation is. Everyone has different reasons and motivations for purchasing a property. I personally think buyers should not wait in hopes of a lower interest rate.

The old saying is “You marry the property, but date the rate.” This just reminds buyers that if the rate does go down significantly that they can refinance in the future.

Speaking of refinancing a property, current property owners can benefit from the Federal Reserve

lowering the interest rate as well.

Current property owners who may have purchased their home in the last year or so should keep an eye on what the Federal Reserve does in their next few sessions. It appears they plan to make another rate cut in the next session and maybe a couple more rate cuts.

So, when is it a good time to refinance or how much of a change in your rate makes it worth it to refinance?

The general rule is you need to be getting at lease a rate 1 percent lower than your current rate. I usually say at least 1.25 percent lower. There are other factors as well to take into consideration like closing costs and the term of the loan. You should also calculate how long it will take you recoup those closing cost from the amount you will be saving with this lower rate.

All in all, we are heading in the right direction with this rate drop and hopefully the Federal Reserve follows through in the next session with another rate cut.

This article was written by Matthew Trudel, Owner/Broker of Five Star Realty, Windham, 207-939-6971. <

Embracing autumn in Windham: A season of beauty and opportunity for homeowners

By Theresa Bouchard

As the air turns crisp and the leaves blaze into shades of amber, crimson, and gold, fall in Windham is nothing short of spectacular. The familiar rhythm of back-to-school routines, Friday night football games, and cozy weekend traditions sets in as the landscape transforms. Autumn has a way of slowing us down, reminding us to enjoy the little things: the crunch of leaves underfoot, the scent of wood smoke in the air, and the comfort of a home that shelters us from the brisk winds.

But fall isn’t just a season for apple-picking and hayrides. It’s also a season that holds unique opportunities for homeowners, sellers, and buyers in our community. In real estate, timing can be everything, and autumn offers a chance to see homes – and the housing market – from a fresh perspective.

The Warmth of Fall at Home

There’s something about autumn that makes a house feel like a home. Whether it’s the golden light streaming through kitchen windows in the late afternoon, or the sight of a harvest wreath on a front door, fall naturally enhances a property’s appeal. A home in Windham surrounded by vibrant foliage can feel like something straight from a New England postcard.

Inside, the season highlights comfort. Crackling fireplaces, rustic wood accents, and cozy nooks seem all the more inviting this time of year. For sellers, this is an opportunity to lean into fall staging—using natural elements like pumpkins, gourds, and seasonal flowers to make a property feel warm and welcoming. Even simple touches, like a plaid throw on the sofa or the scent of apple cider simmering on the stove, can help buyers imagine themselves settling in.

Why Fall Can Be a Smart Time to Buy or Sell

Spring is often seen as the traditional “busy season” in real estate but fall has its own advantages. Buyers who are active at this time of year tend to be more serious. They may be relocating for work, seeking a new home before the holidays, or motivated to move before the snow arrives. This often means fewer casual “lookers” and more qualified buyers ready to make offers.

For sellers, this creates a more efficient process. Your home might not see the same level of foot traffic as in the spring but those who do visit are typically highly motivated. And let’s not overlook how stunning a home can look in the fall—curb appeal soars when framed by trees dressed in fiery hues, and that visual advantage can make a listing stand out in online searches.

Buyers, meanwhile, may benefit from slightly less competition compared to the spring market. With fewer multiple-offer situations, there’s often more room for negotiation on price or terms. Some sellers are also eager to close before the year ends, which can create opportunities for flexible deals. For those willing to move during the cooler months, fall can be a very strategic time to purchase.

Preparing Your Home for the Season

Fall is also a natural time for homeowners to think about maintenance and improvements. Preparing a house for winter is not just about comfort – it’s about preserving value. Cleaning gutters, checking heating systems, sealing drafts, and winterizing outdoor spaces are important tasks that help protect an investment.

For those thinking of selling, a little preparation goes a long way. A well-kept yard with fallen leaves cleared, fresh seasonal décor on the porch, and a clean, cozy interior communicates care to potential buyers. Even small updates – like a fresh coat of paint or updated light fixtures – can pay off when showing a home in autumn.

A Season for Reflection and Future Plans

Beyond the immediate opportunities of buying or selling, autumn invites reflection. Just as we prepare our homes for winter, we can also step back and consider whether our current space still fits our needs. Do we want more room for growing families and holiday gatherings? Or perhaps it’s time to downsize to a simpler, more manageable home?

The fall season naturally pairs with these kinds of decisions. As the year winds down, many people set goals for the coming one, and housing is often part of that reflection. Real estate isn’t just about square footage or market values—it’s about aligning your home with the life you want to live.

Windham’s Unique Autumn Charm

Here in Windham, we are fortunate to experience fall in its full glory. Our community blends the tranquility of natural surroundings with the convenience of nearby amenities, making it a desirable place to live year-round. The local lakes and trails take on a new beauty in the fall, drawing residents outdoors even as temperatures cool. For buyers considering a move to Windham, the season offers a glimpse of what makes our town special: the small-town feel, the connection to nature, and the sense of community that thrives no matter what the weather.

For longtime residents, autumn is a chance to take pride in what we already have. Whether it’s decorating the front porch with mums from a local farm stand or gathering firewood for the months ahead, this season reminds us of the deep connection between home and community.

Turning Over a New Leaf

As we sip cider, stack firewood, and admire Windham’s autumn beauty, let’s remember that fall is more than just a scenic backdrop. It is a season of opportunity—both in how we enjoy our homes and in how we approach the real estate market. Whether you’re considering buying, selling, or simply making your home more comfortable for the winter ahead, Fall is a perfect time to take action.

If you’re preparing to sell your home or simply planning a refresh, TS Staging and Design is here to help. This year’s Eagle Choice Award winner for Interior Design/Home Staging, TS Staging and Design is located at 630 Roosevelt Trail, Unit 2, in Windham. Its local home staging and interior design team would be delighted to assist with any project that comes your way. We welcome the opportunity to bring out the best in your home and help you take the next step with confidence. Contact Theresa @ 207-400-9393.

Supplemental Electronic Device Coverage

By Jonathan Priest

We've all been there. Scheduling our days down to the hours and minutes. We're busier than ever, with life pulling us in dozens of directions at any given time. Appointments, practices, hitting the gym, meetings, work, meals, family time are all jockeying for our attention.

Regardless of our personal thoughts on the pluses and minuses of technology, our devices keep us connected, productive, and entertained. When something goes wrong, you need coverage that goes beyond the basics. Electronic Device Protection offers peace of mind by protecting your essential tech from unexpected mishaps and breakdowns.

When it comes to the devices you depend on, you need to shop for a plan that offers comprehensive security against accidental damage, power surges, theft and more.

Electronic Device Protection can provide coverage on phones as well as multiple laptops, tablets, TVs, gaming systems, wearables, and more.

Coverage Highlights:
• Accidental Damage – Drops, spills, and everyday accidents
• Mechanical & Electrical Failures – Internal malfunctions not covered by warranties
• Power Surges & Short Circuits – Protection from electrical damage

• Theft & Loss Protection – Add coverage for stolen or misplaced devices

Eligible Devices include:
• Smartphones, tablets, and laptops
• Desktop computers and accessories
• Smartwatches and fitness trackers
• TVs, gaming consoles, and audio systems
• Home networking equipment

Why Choose Supplemental Coverage?
Standard home and renter's insurance policies often offer limited protection for electronics and usually have high deductibles! A supplemental plan fills the gaps – so whether your phone slips from your hand or your laptop suddenly stops working, you’re covered.

Without a Supplemental Coverage Plan for electronics, a power surge to your new cell phone and your laptop during an electrical storm could end up costing you close to $1,000, if not more, but your home insurance might limit coverage on electrical devices to a lower amount, and if your home deductible is $1,000 it might not even make sense to file a claim!

With a stand-alone Supplemental Coverage Plan for electronics, your deductible could be much lower or even waived entirely! Reach out to your trusted insurance professional today to learn more about your options and protect yourself against life's little mishaps! Remember, not all plans are the same, so do your homework to find a plan that covers your devices the way you want it to. There's no worse feeling than to think you're covered when you're not!

This article was brought to you courtesy of Farmers Insurance agent Jonathan Priest, with an office at 57 Tandberg Trail, Suite 7, Windham and StaySafe.org. Call him at 207-893-8184 or send him an email at jpriest1@farmersagent.com <

Preparing Your Home for Fall: Essential Checklist

By Carrie Colby

Fall is the perfect time to get your home ready for colder weather. Taking care of small maintenance tasks now can save you costly repairs later and keep your home safe, warm, and efficient all season long.

1. Clean Your Gutters
Clogged gutters can cause water damage to your roof, siding, and even your basement. They’re also more prone to rust and corrosion when filled with debris.
-Clear out leaves and debris.
-Install mesh gutter guards to keep them clean longer.
-Ensure downspouts direct water at least 3 to 4 feet away from your foundation.

2. Seal Up Air Leaks
Drafts drive up heating costs and make your home uncomfortable. According to the U.S. Department of Energy, sealing air leaks can save up to 20 percent on heating bills.
-Inspect and replace worn weatherstripping on doors and windows.
-Test with the “paper test” (close a door/window on a sheet of paper – if it slides easily, the seal is weak).
-Use a lit candle to detect drafts near frames (watch the flame flicker).
-Re-caulk gaps around windows, doors, and utility entry points.
-Consider upgrading to energy-efficient windows if drafts persist.

3. Inspect Your Roof
Your roof is your home’s first defense against the elements.
-Scan shingles for cracks, curling, or missing pieces.
-Check flashing around chimneys, vents, and valleys for damage.
-Look for excessive shingle granules in gutters (a sign of wear).
-Make sure gutters and downspouts are flowing freely.

4. Protect Outdoor Faucets
Frozen pipes can burst and cause extensive damage.
-Shut off water to exterior faucets and drain the lines.
-Use styrofoam faucet covers if your faucets aren’t freeze-proof.

5. Give Your Furnace a Checkup
Prevent breakdowns during the coldest months.
-Schedule a professional inspection before winter.
-Replace the furnace filter (do this every 1 to 3 months in season).
-Listen for strange noises or uneven heating—signs that service may be needed sooner.

6. Ready Your Fireplace
Even occasional use requires annual maintenance.
-Have your chimney inspected for creosote buildup (a major fire hazard).
-Hire a certified chimney sweep if necessary.
-Check the flue for cracks, blockages, or nests.

7. Inspect Wood Stoves
Wood-burning stoves provide great warmth but require vigilance.
-Examine stovepipes for cracks, corrosion, or loose joints.
-Clean the stovepipe regularly during heating season.
-Inspect the stove body and legs for rust or cracks.

8. Check Smoke and Carbon Monoxide Detectors
Fall is a great reminder to refresh these life-saving devices.
-Replace batteries and vacuum detectors with a soft brush.
-Test units using the test button or a smoke source (like a blown-out candle).- Install smoke detectors on every level of your home, including the basement.
-Ensure you have at least one CO detector near sleeping areas.

Pro Tip: Do a quick walk-around of your property as well – look for cracks in walkways, loose handrails, and overhanging branches that could break under heavy snow or ice.

Carrie Colby is a Broker with Allied Real Estate, 909 Roosevelt Trail in Windham. She can be reached at 207-232-5497. <

Navigating insurance challenges for Short Term Rental properties in Maine’s booming vacation market

By Tricia Zwirner

Maine has long been a cherished vacation destination, known for its rugged coastline, picturesque lighthouses, charming small towns and abundant natural beauty. In recent years, the surge in popularity of Short Term Rental (STR) platforms like Airbnb and VRBO has transformed the state’s vacation property market. Homeowners across Maine are increasingly capitalizing on this trend by renting out their properties to visitors seeking authentic, local experiences. While this boom presents lucrative opportunities, it also introduces unique insurance challenges that STR owners must navigate carefully to protect their investments and mitigate risks.

The Rise of STRs in Maine

Maine’s tourism industry is thriving, with millions of visitors flocking to the state each year. Many travelers prefer the comfort, privacy, and local flavor of STR homes over traditional hotels. This shift has encouraged many Maine homeowners, from coastal cottages to mountain cabins, to enter the STR market. The financial incentives are clear: STRs often generate higher income than long-term leases, or leaving a property vacant.

However, this growing market segment comes with complex insurance needs that differ significantly from those of traditional homeowners or landlords. Understanding these nuances is critical for property owners, insurance agents, and brokers alike.

Coverage Gaps in Traditional Homeowner Policies

One of the biggest challenges for STR property owners is that most standard homeowner insurance policies do not adequately cover the risks associated with renting out a property on an STR basis. Many policies explicitly exclude coverage for commercial activities, including STRs, or limit coverage if the property is rented for fewer than 30 days.

This means that if a renter causes property damage, or if a guest is injured on the premises, the homeowner’s insurance may deny claims related to the rental activity. The financial consequences can be severe, including out-of-pocket repair costs, liability claims, or even legal expenses.

Increased Liability Exposure

STRs inherently carry higher liability risks compared to owner-occupied homes. The frequent turnover of guests increases the likelihood of accidents, property damage, or negligent behavior. Common risks include slip-and-fall injuries, fire hazards from unfamiliar appliances, pet-related incidents, and damage caused by parties or over-occupancy.

Additionally, STR owners may face liability claims if guests injure themselves or others, or if their personal belongings are stolen or damaged during a stay. Without proper insurance coverage tailored to STRs, owners could be financially vulnerable.

Specialized Insurance Solutions

Recognizing the unique risks of STRs, many insurers have developed specialized insurance products designed specifically for this market. These policies typically offer broader coverage than standard homeowner’s insurance, including:

• Protection for property damage caused by guests

• Liability coverage for guest injuries and property damage to third parties

• Coverage for lost rental income due to covered damages or cancellations

• Optional coverage for contents and personal belongings used in the rental

Some insurers also provide STR endorsements that can be added to existing homeowners policies, bridging the coverage gap without requiring a separate policy.

For Maine property owners, working with an insurance agent knowledgeable about STR insurance is essential. Agents can help assess risks, recommend appropriate coverage limits and find policies that comply with lender requirements.

Risk Management and Best Practices

It’s recommended Maine STR owners adopt proactive risk management strategies to reduce the likelihood of claims:

• Screen Guests Carefully: Use platform tools and personal vetting to select responsible renters.

• Maintain the Property: Regular inspections and upkeep of safety features like smoke detectors, fire extinguishers, and secure railings reduce accident risks.

• Clear House Rules: Establish and communicate rules about noise, occupancy, pets and use of amenities to prevent damage and nuisance complaints.

• Emergency Preparedness: Provide guests with clear instructions for emergencies and contact information.

• Documentation: Keep detailed records of property condition before and after rentals and document any incidents promptly.

Conclusion

Maine’s booming STR market offers exciting opportunities for property owners to generate income and share the state’s charm with visitors. However, it also introduces complex insurance challenges that require careful attention. Traditional homeowner’s insurance often falls short in covering the unique risks of STRs, leaving owners exposed to potentially significant financial losses.

By understanding these risks, seeking specialized insurance products and implementing sound risk management practices, Maine STR owners can safeguard their investments and enjoy the benefits of this dynamic market. Insurance professionals play a vital role in guiding clients through these complexities, helping to create a more resilient and prosperous STR industry across the Pine Tree State.

Tricia Zwirner is a State Farm agent celebrating her 22nd year in Windham. She and her team would love to hear from you and can be reached via phone and text at 207-892-2864 or via email at tricia@TRICIAZWIRNER.com. <

Remodeling Is Green Building

By Warren O’Shea

In most cases, renovating an existing house can be considered more environmentally friendly than building a new "green" house, even when that new construction incorporates sustainable elements.

I was once fortunate enough to be privy to a conversation between a crusty remodeler and a “Green Products” vendor at a trade show. The vendor was advertising all the benefits to the environment (and humanity) that their products provide. Save the planet, think of the children, healthy lifestyle, save money etc. We all know the buzz words, and it sounds great - who doesn’t want those things? And who wants the guilt of feeling personally responsible for the demise of our beautiful blue marble? I’m all in!

Enter Mr. Crusty.

Like standing next to a bullet train of words, he unleashed his rebuttal. All I could do was stand in amazement as this unassuming and aged man opened the institutional sized, #10 can of whoop-ass and fed it to the vendor by the shovel full. I could begin to quote the exchange, but only in fear of being banned from this wonderful newspaper.

With the help of AI wizardry and some Google searches the following is what he was effectively trying to portray to the vendor.

 
Embodied Energy: Existing buildings already represent a significant investment of embodied energy, which is the energy used in the extraction, manufacture, transportation, and construction of all the materials that went into building it. Tearing down an existing structure to build new essentially throws away this embodied energy and requires using even more energy and resources for new materials and construction.

 
Reduced Waste: New construction generates significant waste: Demolition of existing structures and the construction process itself produce considerable amounts of waste that often end up in landfills.

 
Repurposing Structures: Renovating allows for the reuse and repurposing of existing structures and materials, significantly reducing waste. For instance, one calculation suggests revamping an older house instead of building new saves the carbon equivalent of 93 cars driving for a full year.

 
Material Conservation: Renovations often involve reusing materials like bricks, timber, and steel, which conserves natural resources that would otherwise be used to create new materials. This aligns with a circular economy, promoting continuous reuse and recycling of materials.

 
Time to Offset: While new green homes are designed for efficiency, it can take years – even decades – for the energy savings of a new energy-efficient building to offset the high upfront environmental impact of its construction. Studies have shown that it can take 10 to 80 years for a new energy-efficient building to catch up with an older, energy-retrofitted building in terms of climate impacts.

 
Resource conservation: New construction depletes natural resources: Building new requires extracting and processing raw materials like timber, metals, and minerals, which can lead to deforestation, habitat destruction, and resource depletion. Renovation, on the other hand, conserves resources: By repurposing existing materials, renovations reduce the demand for virgin resources and the associated environmental impact.

 
Faster project completion and cost savings: Renovations are often faster and potentially more affordable: Adaptive reuse projects can be completed quicker and potentially at a lower cost than building new, particularly if the existing structure is sound and reusable. In essence, the "greenest" building is often the one that already exists, especially when renovation efforts focus on energy efficiency, waste reduction, and the use of sustainable materials. Ultimately, the most environmentally sound choice depends on various factors, including the condition of the existing structure, the scope of the project, and the commitment to sustainable practices during both renovation and potential new construction. As eco-consciousness continues to rise in popularity with consumers, the building industry has birthed a slew of sustainable vendors – and some that just aren't.

Let the buyer beware: The green living magazine “New Life Journal” suggests that home renovators do some investigating before jumping at a green price tag. A lot of products marketed as green due to their energy efficiency ratings may use less electricity than some of their counterparts on the market but may also be constructed out of wholly unsustainable materials or made in environmentally harmful ways. What may appear green might not be green at all. This is a marketing ploy known as “Greenwashing.” I don’t know if Mr. Crusty had heard of the term before but he sure knows what it is.

Warren O'Shea is the owner of O’Shea Builders LLC, Maine’s most award-winning remodeling contractor. He has 35-plus years of residential remodeling experience. He is a certified home inspector and has been featured on HGTV, Food Network, and Maine Cabin Masters. He is a recipient of the Portland Police Department’s “Citizen Award,” and is a staunch consumer advocate. Warren has, and continues to, co-author articles for nationally distributed trade magazines. <