Why Sell With Us?
Chances are that as you prepare to start the selling process, you have some questions. What is my property worth? How long will it take to sell? How do offers and contracts work? When not handled properly, selling a house can become one of the most stressful transactions in your life. That’s why the professional REALTORS® at Houses & More Real Estate are here to help. Our team is dedicated to making your selling process a smooth and successful one.
Houses & More REALTORS® strive to sell your house for the most amount of money in the shortest amount of time. Armed with the latest tools and technology, we can create a customized Comparative Market Analysis for you and advise you on the best price at which to list your property. With simple staging tips and techniques, our REALTOR® can also offer advice on how to make your property look more valuable and attractive to prospective buyers.
When your property is ready to hit the market, Houses & More will make property information available to real estate agents and brokers through the North Central WV Multiple Listing Service (MLS). Did you know that according to the National Association of REALTORS®, 90% of home buyers searched online during their home buying process? Your property will appear on 50+ websites, guaranteeing maximum exposure. We will put a sign in your front yard…and put your property in front of the world.
As experienced negotiators, the Houses & More team is qualified to guide you through the process as you negotiate your sales contract. When you have a trained REALTOR® in your corner, the sales process is far less stressful for you – and far more successful. We are dedicated to living up to the trusted reputation of the Houses & More brand, so you can enjoy peace of mind throughout your entire selling process.
PROFESSIONAL & SAVVY SERVICE
Dedicated to offering the utmost in customer service, all Houses & More agents are licensed REALTORS® who subscribe to the National Association of REALTORS® Code of Ethics and Standards of Practice. We strive to make your selling process as streamlined and convenient as possible by offering all Houses & More clients convenient online signature options through our DocuSign services – we appreciate the fact that your time is valuable.
What’s your property worth? Contact us today to find out!
Marketing Your Home
Selling a home takes a well thought out game plan. We have just that ready to list your home.
You want an agent with a proven track record of selling homes. This is especially true for homes like yours in your area.
What’s Your Home Worth?
Not sure if this is a good time to sell? Wonder how much you could get for your home? Let us create a comparative market analysis for your home to answer those questions and more.
Escrow and Closing Costs
Points: Points are a percentage of a loan amount. For example, when a loan officer talks about one point on a $100,000 loan, this is 1 percent of the loan, which equals $1,000. Lenders offer different interest rates on loans with different points. You can make three main choices about points. You can decide you don’t want to pay or receive points at all. This is a zero-point loan. You can pay points at closing to receive a lower interest rate. Alternatively, you can choose to have points paid to you (also called lender credits) and use them to cover some of your closing costs.
Underwriting: Paid to the lender, this fee covers the cost of researching whether or not to approve you for the loan.
Appraisal: This charge pays for an appraisal report made by an appraiser.
Credit report: This fee covers the cost of a credit report, which shows your credit history. The lender uses the information in a credit report to help decide whether or not to approve your loan and how much money to lend you.
Flood determination: This is paid to a third party to determine if the property is located in a flood zone. If the property is found to be located within a flood zone, you will need to buy flood insurance. The insurance is paid separately.
Home inspection: Fee to verify the condition of a property and to check for home repairs that may be needed before closing.
Pest inspection: This fee is to cover inspections for termites or other pest infestation of your home.
Survey: The lender may require that a surveyor conduct a property survey. This is a protection to the buyer as well. Usually the buyer pays the surveyor’s fee, but sometimes this may be paid by the seller.
Title insurance binder: Commitment to issue a title insurance policy at future date.
Lender’s title insurance: The cost of the lender’s policy, which protects the lender’s investment.
Owner’s title insurance: The cost of the owner’s policy, which protects the homeowner’s investment for as long as they, or their heirs, own the property.
Settlement: This fee is paid to the settlement agent or escrow holder. Responsibility for payment of this fee can be negotiated between the seller and the buyer.
Title search: The fee to search the public records of the property you are purchasing.
Document Preparation: This fee covers the cost of preparation of final legal papers, such as a mortgage, deed of trust, note or deed.
Recording fees: These fees may be paid by you or by the seller, depending upon your agreement of sale with the seller. The buyer usually pays the fees for legally recording the new deed and mortgage.
Transfer tax: This tax is collected in some localities whenever property changes hands or a mortgage loan is made, can be quite large and are set by state and/or local governments. City, county and/or state tax stamps may have to be purchased as well.
Homeowner’s insurance premium: This insurance protects you and the lender against loss due to fire, windstorm, and natural hazards. Lenders often require the borrower to bring to the settlement a paid-up first year’s policy or to pay for the first year’s premium at settlement.
Mortgage insurance premium: The lender may require you to pay your first year’s mortgage insurance premium or a lump sum premium that covers the life of the loan, in advance, at the settlement.
Prepaid interest: This is money you pay at closing in order to get the interest paid up through the first of the month.
Property taxes: Usually six months of county property taxes.
Home warranty: Fee for an insurance policy to protect you from cost of unexpected failures to the major systems and appliances in your home.
Real estate commission: This is the total dollar amount of the real estate broker’s sales commission, which is usually paid by the seller. This commission is typically a percentage of the selling price of the home.