Should You Call the Number on the Sign? Here’s Why I Say No

You’re driving through Crown Point, St. John, Schererville, wherever — and you spot it. A “For Sale” sign with a phone number, sitting outside a house that just caught your eye. Your first instinct is to pull over and call that number right then and there.

Don’t.

That number belongs to the listing agent. And the listing agent represents the seller — not you. What you need is a buyer’s agent in your corner instead.

Why Calling That Sign Can Work Against You

They Represent the Seller, Not You

This is the part buyers don’t think about in the moment. That agent’s whole job, contractually, is to get the seller the best price and terms possible. When you call that number, you’re calling someone whose loyalty is already spoken for. It’s not that they’re bad people — it’s just not their job to look out for you.

Dual Agency Gets Complicated Fast

Here’s where it gets sticky. If you call the listing agent directly, they have the option to ask the seller if they can do a dual agency transaction — representing both you and the seller in the same deal.

Ultimately, you want what’s best for your client. How can you fully do that when you represent both sides of the same negotiation? There’s too much private information a listing agent is privy to — pricing flexibility, motivation to sell, and more — that could accidentally get shared with the buyer, or vice versa. When it comes time to negotiate, it’s hard to stay unbiased and truly represent the best interest of either party.

Unless it’s a truly cut-and-dry situation, I don’t do dual agency. That’s a personal rule of mine, and it’s one every buyer should understand before they pick up the phone.

What Actually Happens When You Call

If you call the listing agent and they’re representing the seller, they can ask the seller for permission to represent both of you. Sometimes there’s a benefit to the seller in this setup — the agent may reduce their commission a bit since they’re now getting paid from both sides of the deal.

But the risk of shared information, for either side, is inevitable. Even with the best intentions, one agent simply can’t fully protect two opposing interests in the same negotiation.

Why You Need a Buyer’s Agent Instead

Get your own buyer’s agent. Find a REALTOR® of your choice and sign a buyer’s agency agreement. That gives you legal representation for negotiations, and someone to guide you through the contracts and every step of the transaction.

Someone who’s by your side. A partner.

The Biggest Myth About Buyer Representation

Most buyers don’t realize this is even an option. They don’t know they’re able to get their own representation — and that’s the best way to have an ally in your corner throughout the whole process. Click here for my FREE Buyer’s Guide.

Two Other Myths Worth Busting

“Calling Direct Gets You a Better Deal”

Absolutely false. If you call that number yourself, you don’t have anyone negotiating for you. You’re going up against a trained professional whose job is to get the seller top dollar, with no one in your corner doing the same for you.

“It’s Faster”

This one’s nonsense, too — and honestly, buying a home is not a transaction you want to speed through. There’s so much to make sure of along the way, including:

  • The condition of the home
  • Insurance and tax rates
  • Making sure the title is clear and there are no liens on the property
  • No encroachments, and the lot lines are correct
  • Getting the best loan for your situation, with time to actually research your options
  • Time to investigate any needed repairs and what they’ll cost

None of that happens well when you’re rushing to close a deal with the seller’s agent on your side instead of your own.

So next time you see a sign outside a home you love, don’t call the number on it. Call me instead. I’ll be the one in your corner, not the seller’s.

 

 

Posted on August 26, 2026 at 5:28 pm
Holly Brumm Furdo | Category: Moving to Northwest Indiana | Tagged , , ,

Affordability & Quality of Life — Why NWI Is One of the Midwest’s Best Places to Call Home

 

NWI offers one of the best quality-of-life experiences in the entire Midwest — without the financial strain of big-city living.

1. More Home for the Money

Larger homes, bigger yards, and new construction options that don’t break the bank.

2. Lower Cost of Living

Groceries, utilities, housing, entertainment — everything stretches further here.

3. New Construction at Great Prices

Crown Point, St. John, Winfield, Lowell, and Valparaiso offer stunning new builds at accessible price points.

4. Growing Job Opportunities

Healthcare, education, manufacturing, trades, and remote-friendly careers are all expanding. Search for job opportunities here.

5. Amenities Without the High Prices

Shopping, dining, Lake Michigan beaches, parks, trails, and fun community events — NWI has it all.

Posted on December 5, 2025 at 3:22 pm
Holly Brumm Furdo | Category: Moving to Northwest Indiana | Tagged , , , ,

Northwest Indiana Community Events — Where Small-Town Charm Meets Big Heart Energy

One of the most appealing parts of living in NWI is the strong sense of community. Whether you’re brand new or have lived here your whole life, there’s always something happening.

1. Festivals That Bring Everyone Together

Each town has its specialties:

2. Farmer’s Markets

Fresh produce, local honey, artisan goods — NWI markets are lively and unique.

3. Holiday Celebrations

Tree lightings, parades, trunk-or-treat events, and fireworks keep families engaged year-round.

4. School & Sports Events

High school games, theater productions, and fundraisers help bring the community together.

5. Friendly, Welcoming People

Neighbors wave, kids play outside, and newcomers fit right in — it’s the Midwest charm at its best.

Posted on December 5, 2025 at 3:03 pm
Holly Brumm Furdo | Category: Moving to Northwest Indiana | Tagged , , , ,

The Tax Advantage — Why Northwest Indiana Is a Smart Move for Your Wallet

Moving to Northwest Indiana is not only a lifestyle upgrade — it’s a financial upgrade. Many families save thousands of dollars each year simply by choosing Indiana over Illinois.

1. Lower Property Taxes

NWI homeowners often pay significantly less than what they would in Illinois, even for larger homes. Look up an estimate here.

2. No Tax on Social Security or Retirement Income

A huge perk for retirees looking to downsize or relocate.

3. Lower Sales Tax

Saving money becomes a daily habit here. The current sales tax for the entire State of Indiana is 7%.

4. Your Money Goes Further

Groceries, entertainment, gas, services — it all costs less than in major metro areas.

5. Affordable Living Without Sacrifice

You still get great schools, safe neighborhoods, and strong communities — simply at a lower cost. Check out the average cost of living here. 

Posted on December 5, 2025 at 2:49 pm
Holly Brumm Furdo | Category: Moving to Northwest Indiana

Northwest Indiana’s Top-Rated Schools: Why Families Are Moving Here

One of the biggest reasons families move to NWI? The exceptional schools. Lake and Porter County consistently offer some of the top-rated districts in the entire state.

1. Award-Winning Public School Districts

Crown Point, Munster, Valparaiso, St. John, and Schererville offer strong academics, high graduation rates, and robust student programs. Check out the schools here.

2. Smaller Class Sizes

Teachers are able to spend more time working individually with students.

3. Exceptional Private & Faith-Based Options

From Crown Point Christian, Illiana High School,  to Andrean High School, families have access to a range of high-quality educational choices.

4. Safe, Community-Focused Schools

NWI schools actively involve families with events, sports, clubs, and leadership programs.

5. Strong Athletics & Arts

Whether your child loves STEM, performing arts, or sports, NWI has incredible opportunities for every interest.

Posted on December 5, 2025 at 2:35 pm
Holly Brumm Furdo | Category: Moving to Northwest Indiana

Why Northwest Indiana Is One of the Best Places to Live for Chicago Commuters

If you’re dreaming of more space, quieter mornings, and a slower-paced lifestyle — without giving up access to Chicago — Northwest Indiana might be exactly the move you need. More families, professionals, and remote workers choose NWI every year because it offers the perfect blend of convenience, affordability, and small-town charm.

Here’s why the Chicago–NWI connection is one of the biggest reasons people relocate here:

1. Easy Train Access into Chicago

The South Shore Line offers a fast, affordable route to downtown. Stations in Hammond, Munster, Dyer, East Chicago, and Michigan City make commuting easier than many Chicagoland suburbs.

2. Faster Commutes Than Some Suburbs

With direct access to I-94, I-80/94, I-65, and the toll road, Northwest Indiana commuters often arrive in Chicago faster than people traveling from major suburbs.

3. Big City Amenities, Small Town Living

Live peacefully while staying close to:

  • Restaurants

  • Lakefront attractions

  • Museums

  • Sports stadiums

  • Performing arts

4. Perfect for Hybrid Workers

If you’re in the office a few days a week, NWI gives you that sweet spot: more house + less stress + quick Chicago access.

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Posted on December 5, 2025 at 2:24 pm
Holly Brumm Furdo | Category: Moving to Northwest Indiana | Tagged , , , ,