we are selling our home, how long can i expect this process to take?

There are a lot of considerations, including your asking price, the housing market where you live, condition of the home and the aggressiveness of your Realtor. A GOOD Realtor should be able to provide you with guidance based on your specific situation and market.

Selling your house quickly depends on a number of things. How is the housing market where you live? Is it a buyer's market or a seller's market? Are you in a desirable location? How old is your house? I've known people who it's taken almost a year to sell their homes, especially if the market in your area is flooded with other homes for sale. What did your house appraise for....and what is the bottom line you will take for it? You might consider lowering your price......throwing in some furniture or appliances. Other then those suggestions, I really don't know how to speed up the process.

They're right about all of those considerations.

If you think it might be on the market for a number of months in the future, what I did for my brother is called an option arm. his payment went from almost $1200 to five and change and the companies that offer them can set it up so that it costs nothing.

It adds a little to principal each month, but if it's on the market ti won't matter too much next to the savings.

Whatever you do, though, make sure it has no prepay, or what is called a "soft" prepayment penalty so you don't wind up with a big charge at the point of sale.

This is pretty much the only thing I would use this loan for despite everyone trying to sell this on the Internet.

It depends on the market in your area and how many similar homes are for sale in the immediate area. If it's saturated, a while. And plan on at least 30 days after a satisfactory offer comes through for the process of completing the sale.

I had a home for sale in 2002 and there were 38 like it within a 4 mile radius. I had several showings, but no serious offers in 6 months. Luckily, a friend bought it from me.

It could take longer than 6 months. If you don't have any bite, you may want to consider taking it off the market briefly before spring (like in Feb 07). This will make your house show up on the list as new listing and people who are looking are more likely to notice. What you don't want is people knowing your house as old listing and you keep having to lower the price. Make sure to add some color (flowers) in front of your house.