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Gina Hanson
Broker
    Years of Experience: 4

    Education Chair, Keller Williams Puyallup

Direct: 253.273.0740

Office: 253-848-5304



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Keller Williams
615 E. Pioneer Suite 203
Puyallup, WA
253-848-5304


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Posts Tagged ‘finding an agent in puyallup’

Short Sales in Puyallup

Wednesday, October 20th, 2010

Are you or a friend facing foreclosure?  Are you afraid of what might happen to your credit?

If you know anyone facing this situation, the first step is to get expert help.  You need answers and you need them now.  Just having a qualified expert who will sit down with you to answer your questions can help reduce some of the stress that you are under.  Contact an expert and ask them about short sales, because this is not the time to ignore the letters coming from your mortgage lender.

Why Consider A Short Sale?

A short sale can not only help you avoid foreclosure, it can also be a much quicker option than going through the foreclosure proceedings.  It may not affect your credit as greatly.  A short sale may also enable you to purchase a new home sooner than after a foreclosure.  It can save you from a potentially embarrassing situation.  A short sale may minimize the stress of having to continue meeting a financial obligation that you are no longer able to maintain.

Why Use an Agent?

The most recent statistics state that 95 percent of the people facing foreclosure never contact a Real Estate Agent.  Experts agree that this option will probably hurt their credit the most.  Some people actually walk away from their homes while they still have equity.  Most of the time there are alternatives to foreclosure that you may be unaware of.  These range from a loan modification program to the Mortgage Forgiveness Debt Relief Act.

WHATEVER YOU DO, DO NOT JUST WALK AWAY FROM YOUR PROPERTY!

Most lenders are going to insist that you list your home with a qualified real estate agent, so you might as well get someone who is knowledgeable dealing with short sales and will help protect you and your best interests.  I can show you all the options that you may have available to you.  Keep your options open–CALL ME!

Why Should I Use an Agent to Buy a House?

Thursday, August 5th, 2010

You’ve probably heard it over and over…”Buying a home is usually the biggest financial transaction a person will ever make.”   What they should be telling you is… “If anything can go wrong during the transaction, it will cost you tons of money.”  But, they don’t, do they? 

Here’s the bottom line – using an agent saves you money.  Lots of it.  Not just upfront in purchase price, but over the entire lifespan of the purchase.   There is, however, one very important distinction – this probably doesn’t apply if you call the sign in the yard of the house you want to buy.  Trust me on this one – that is a seller’s agent and a seller’s agent is obligated to protect the interests of the seller.  Can they also protect your interests?  Yes, but, their first relationship was, and is, with the seller.  Wouldn’t you feel more protected by using a buyer’s agent whose first relationship and obligation is to protect your interests at all costs? 

Let’s talk about what having your own agent on your side of the transaction does for you, and how using an agent saves you money.

1. It doesn’t cost you any money.  The seller pays for both agents commission out of the proceeds of the sale.  A buyer’s agent is completely free.  Yep, free.  Why wouldn’t you use one?

2. It gets you a lower purchase price.  “I can save the commission if I don’t use an agent by getting a better deal on the house.”  No, not usually.  Remember, the agent on the sign is committed to protecting the seller’s interests.  What are the seller’s interests?  Getting as much money as possible for the house in the shortest amount of time.  Bottom line – using your personal agent will almost always guarantee a lower sales price than negotiating on your own behalf.

3. It gets you a better home loan.  We KNOW who is out there providing excellent products with great rates and low fees.  We work with them everyday.  We can also protect you from costly delays in closing that could add thousand of dollars in fees that would be paid by you.  We also know about down payment assistance programs that can put thousands of dollars into your pocket to be used for your down payment.  Or rural homes assistance for a lower interest rate.  And down payment assistance for buying foreclosed homes.  We know who to hook you up with to save money over the entire lifespan of your home.   

 4. It gets you protection.  We know our forms.  We know how to protect you during the purchasing process and for years to come.  Not just if you buy the house, but what if you don’t?  I have five ways that I make sure that your earnest money is safe and will be returned to you if you have to back out of the transaction.  Also, I explain every detail before you ever sign a sign a single sheet of paper. 

 5.  It saves you time.  I do a preconsultation BEFORE searching for property so that I know exactly what your wants and needs are.  Once that is honed to perfection, I call you the second a bargain goes on the market that matches up with everything you love.  I know when new properties that are screaming good deals hit the market first –  and I can get that infomation to you sometimes days before the home hits all of the other search engines and websites.  You get a chance to make an offer and beat out everyone else who is searching on their own.

6.  It gets you peace of mind.  I take care of making sure that all the paperwork protecting you is done, signed, and turned in on time.  This protects you and all of your interests, including your earnest money, your ability to inspect the property, and things like checking out the neighborhood.  I follow up with every single person involved in the transaction to make sure that their aren’t costly delays or missed issues.  My job is to keep your time as freed up as possible so that you have time to take care of packing and arranging for your upcoming move.

Money, Time, Peace, Protection.  For Free.

Click on ”Ask me a question”  if you want more information or my free pamphlet on 5 Ways to Protect Your Earnest Money.

What Can I Do To Make Sure My House Sells In Puyallup?

Thursday, July 29th, 2010

Thinking about selling your home in Puyallup? Selling your home in today’s market is all about two things.  It’s a price war and a beauty contest.  The best way to sell your house is to think like a buyer.  You’ll need to get your home ready for sale with your buyer in mind.  Most buyers begin their journey online looking at a picture of the front of house with a price next to it.  Hundreds and hundreds of pictures and prices of homes for sale in Pierce County.  So many, in fact, that the first thing sellers do is narrow down the list.  Which means they are ruthlessly cutting the list down to a manageable size by putting most of what they see into a “NO” pile.  You have to do everything possible to make that first cut and stay in the “YES” pile.  Once they get their list narrowed down, they look at interior photos, and then start reading the text.  Good, right.  No – all of this is still in an attempt to put your house into the “NO” pile.  When a buyer has narrowed down their list to 5 or 10 out of the hundreds they started with, then -and only then – they are ready to physically view the house.  So, what can you do to make sure you get prospective buyers to your front door?

First and foremost –  Below Market Price.  No one wants to hear this one,  but the bottom line is that you have to be the best priced home in the neighborhood for the size and condition that your house is in.

Secondly – Extraordinarily good photo of the front of your house.  This is the second thing everyone is going to look at – make it something that grabs their attention.  It can be as easy as a pot of flowers or a hanging basket.  Make sure that cars don’t show in the photo, you’re selling a house, not a car.  No garbage cans against the side of the house either.

Now, once you’ve got their attention, how do you keep it?  The more of these things that you can offer, the better chance you have of capturing your buyer.

Owner Financing – Call me on this one - this is not as scary as it sounds.  There are ways to be able to put that into play that keep you protected and safe.

Offer a Home Warranty.  This can really set a buyer’s mind at ease, especially if the home is older.

Make sure that your house is accessible for showings – nothing is worse than “show only on weekends from 1 to 3pm, must call with 4 hours advance notice, please don’t show if it’s raining outside, and never on the odd days of the month.

Move in condition. There are too many other choices for buyers where they don’t have to bring out the hammer and saw while they are unpacking.

Quick possession – this is part of why short sales sell so cheaply.  Very few people want to wait months upon months before they can move into their dream home.

Seller to complete obvious repairs – this sends the subconcious message that the home was well cared for and not neglected.

Appliances included – Really, who WANTS to move a refrigerator?

Lease purchase – This may be an option, but make very certain that you are working with a REALTOR who has experience writing up a lease options.   Ask specifically how many lease options they’ve written up.

Post dated price reduction plan – or at the very least have a plan in place for reviewing your position in the marketplace in 30 days, and then again every 30-90 days thereafter.

Odd sales price – This one can work wonders.  It sends a message that you have crunched the numbers and this is the lowest you will go.

Seller to pay closing costs – Especially if they are trying to choose between your house and someone else’s.  Anything that you can do to limit the out-of-pocket expenses on your buyer’s side will position you better in the marketplace

Will doing all of this guarantee that your house sells?  No, it won’t.  What it will do is significantly up your odds of selling in this market.  Chances are that it will sell, and in less time than whatever the current days on market rate is.  It’s all about market position.  You can’t control a buyer, and you can’t make them buy your house.  But you can control your market condition.   A great agent will help you do as many things on this list as possible to make sure that you get in front of as many prospective buyer’s as possible.  Today, you’ve got to be so much more than just a sign in the front yard, especially if you want to sell your home quickly.  You’ve got to position yourself directly in front of your buyer.  This gets you there.

What questions do I ask an agent when I want to sell my home?

Thursday, July 29th, 2010

Interviewing Agents in Puyallup?  Make sure you ask these questions before you list your home. 

 First off, be prepared to answer some questions as well.  Just as you should be selective on who you work with, a great agent makes certain that the fit is a good one, too.

To find a good agent, make sure you ask:

How many years have you been in Real Estate?  Either pick someone who has cut their teeth on this real estate downturn and is still thriving, or someone who has been through a market like this at least once before.   Years won’t matter as much as attitude and business sense.  Listen carefully for a negative attitude – this is going to be one of the most important indicators of the person’s ability to sell and market your home effectively. 

 What specific Marketing Plan do you have for my house?  The most common complaint from anyone selling their home is “My agent just put a sign in my yard, and then I never heard from them again.”  Make sure that your agent addresses this issue.  Other questions to ask may include…How will you sell my home?  Do you market online?  Where?  Do you have a mailing database?  What does your flyer look like?  What is your follow up plan?  What if my house isn’t selling?

Do you have any Reference Letters? A great agent will not only have client letters on hand, but will be willing to provide phone numbers if requested. 

What makes your Agent different from the competition?  Really listen to their answers here.  You will probably want someone who is honest, trustworthy, assertive, with good communication skills.  Look for an ‘outside-the-box’ thinker in terms of marketing.  Again, anyone can put a sign in your yard.  Selling your home can be stressful, so look for a great sense of humor under stress.  You’ll also want someone friendly on your  side during the negotiation process, as you can get a lot more flies with honey than vinegar!  

Can you explain the Paperwork that I will be signing?  A great agent will sit down with you and go over every single document BEFORE you are asked to put pen to paper.  Never, never, never, sign something without knowing what it is. 

Are you a REALTOR®?  There is a difference between a REALTOR® and a real estate agent or salesperson.  A REALTOR® has a strict code of ethics that they must abide by.  REALTORS® also care deeply about their communities and the laws that govern them, and put time, money, and effort into protecting home ownership. 

Can you Recommend other Professionals?  What you are looking for here is a vendor database of people and companies that your agent has worked with in the past that they know are competent and capable.  A hundred different items can pop up during one real estate transaction.  Anything can derail the sale of your house.  A great agent knows who will take care of any work orders to ensure that doesn’t happen.

How much do you charge?  Everything is negotiable.  Ask up front what they charge, and then ask them to quantify their fees with the level of service they provide.

What Kind of Guarantee Do You Offer?  What if you aren’t happy with your agent’s services?  Can the agreement be cancelled?  What is the company policy for cancelling an agreement?  Has anyone ever cancelled with them before?  What happened and Why?

 The smartest thing that you can do is to align yourself with a knowledgeable, dedicated professional who can guide you through the maze of paperwork.  One who will explain the process to you, answer your questions, and return your phone calls or emails promptly to get you the information you need now. You need an expert negotiator on your side, protecting your financial interests. You also need someone who will research out a neighborhood, home, or property type so you have ’the inside story’.  You need someone who knows what selling real estate is all about.   Look for a personable, knowledgeable person who is analytical as well.  You need a powerhouse on your side who will listen, really listen to your needs and wants and who will protect your back and fight for your best interests.

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