Quality service when you partner with us

Selling a Home

Accurate market analysis to determine value

-  Advertising on MLS Database, public sites, and         social media

-  Contractors, cleaners, etc to help prep your home

Buying a Home

JP Realty is dedicated to your real estate needs.  We'd be glad to help find the perfect home or bring your existing home to sale. 

We're ready to assist. Call for service.

-  Pinpointed searches to match your home needs

-  Daily e-mail of new listings

-  Scheduled showings for homes of interest 

-  Available credit restoration and lenders to assist

Getting Ready to SellOne of the most important things to do before putting your home on the market is to take care of the easy things.  Make a list of things that need to be repaired like leaky faucets, chipped paint and loose hinges - and fix those items.  Considering a remodeling project before selling? Check out articles from REALTOR® Magazine at www.REALTOR.org/ REALTORMag by entering the search term Remodeling.  You will find helpful guides like, the Field Guide to Remodeling, and the latest Cost vs. Value Report. 


Improve Your Curb Appeal
: Curb appeal, or how your
home shows from the street, is one of the key things that will
sell - or not sell - your home.  If buyers are turned off by the
outside of the home, it will be very difficult for you to get them
into the home and change their negative opinion.  Curb appeal
will be the key to making the right first impression.

            * Declutter the yard by removing toys and lawn furniture
            * Cut the grass, rake the leaves, trim the bushes and the
               edges, and plant fresh flowers to add color

            * Paint doors and windows with a fresh updated color
            * Patch holes in the driveway and reapply sealant
            * Wash windows and screens


Showing Your Home - Do's And Don'ts Checklist
: Now that you know what it takes to stage your home and get it ready to sell, you want to make sure you have successful showings.  Follow these proven showing do's and don'ts and you'll be on your way:


Showing Do's
             - Clean the home from top to bottom
             - Mow your lawn
             - Send pets to the neighbors
             - Keep things organzied and clutter free



Staging Basics: What is staging anyway?  Staging is the process of enhancing the impression a prospective buyer has about your home.  Staging is all about removing things from your home that make it look smaller, drab or dated.  It differs from decorating because decorating involves bringing things into the home to enhance the look of it.  The key to staging is simplicity and getting prospective buyers to a place where they can picture themselves in the home.  You can begin by focusing on these staging basics:

DECLUTTER: Remove "you" from the home (meaning pictures and personal items). Replace personal photos with scenery or postcards.  A good rule to follow is to have no more than 3 items on any surface.  Remove all items from kitchen counters and store them away.

NEUTRALIZE: Neutralize the rooms with light- colored paint, like creams, tans and white.  Keep bright colors to a minimum and use neutral and/or natural colors that can work with many different styles.

KEEP IT CLEAN: Nothing sells better than a clean and well maintained home.  Always keep the home feeling and smelling clean for showings.  Some inexpensive upgrades that can make a huge difference to the buyer include:
              * New bed treatment (especially for the master bedroom)
              * New towels
              * Fresh paint
              * Replacing old lamps or lighting fixtures

 

Showing Don'ts
             - Leave valuables out and on display
             - Leave pictures or personal effects out
             - Clutter in the closets (buyers will open)
             - Allow pets fur or smell to permeate 
                the house and turn off buyers (always   
                vacuum up fur and neutralize any pet       
                odors)

Loan Assistance: Even if you have little to no money to put down for a loan, it's worth checking to see how much you may qualify for.  We work with professional credit restoration personnel and mortgage lenders to help you secure a home loan.  

Down Payment: There are many types of home loans
(even no money down programs). 
We work with lenders
that can help match 
a home loan to your needs. 
A conventional loan typically  requires a down payment. 
It is not uncommon for buyers to place a down payment 
of 10 to 20 percent of the purchase price.  For example, on                                                                                                    a $100,000 home, a down payment of $10,000 to $20,000                                                                                  in cash may be warranted.  Government-backed loans require                                                                                                              5 percent or less as a down payment. Loans insured by                                                                                                              the Federal Housing Administration (FHA) and the Veterans                                                                      Administration (VA) are particularly useful to first-time buyers.


Type of Loans
:

Fixed rate versus adjustable rate: On a fixed rate mortgage, the interest rate stays the same over the life of the loan, usually 15 or 30 years.  That means your payment will not change except for adjustments for taxes and insurance.  Adjustable rate mortgages go by a variety of names, but basically these loans have interest rates or monthly payments that can go up or down over time. These mortgages typically start out with a lower interest rate, lower monthly payments, and lower fees and points than fixed rate mortgages. They often appeal to first-time home buyers, younger couples who expect their incomes to grow in the coming years, and people who might not have much cash for down payment and closing costs.

Private versus government loans: Most mortgage loans are made by savings institutions, banks and mortgage companies.  On government (FHA and VA) loans, the government does not actually loan the money but rather guarantees (or insures) to repay the lender if you default for some reason.  Generally, a lender will require you to buy mortgage insurance, particularly if you make a low down payment.  This insurance may be paid at closing or added to the loan amount.  VA loans require no mortgage insurance, but only qualified veterans may apply for them.  Mortgage insurance protects the lender, to a degree, in the event of default. Government loans have important advantages - they generally require a lower down payment than conventional loans and often have a lower interest rate or points.  One the down side, government loans limit the amount you can borrow, often take longer to process, and sometimes have higher closing costs.  


Loan Approval Process
: When you apply for a loan, the lender will ask about your finances.  You likely already have most of the facts and figures compiled.  Verifications of  employment, deposits, and other matters must be obtained. The lender may require an appraisal to verify that the home is worth the loan as well as a physical survey to discover any encroachments on the property.  Repairs may be required.  Insurance must be purchased.  Loan documentation and conveyance instruments must be drawn and approved.


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