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Janice Styles-Hall's real estate clients enjoy the benefits of her diverse experience and interests, including over 25 years in marketing and sales. She has traveled extensively in the United States and Europe and made 11 moves and owned 9 homes herself, thus, she is especially sensitive to the challenges of relocating.
Janice brings energy and extensive marketing experience to selling new and existing homes. Buyers and sellers benefit from her patience, understanding and knowledge. Her promise to her clients is to help make these life transitions as smooth and satisfying as possible, always listening to understand client concerns and goals.
Her genuine interest in others ignites Janice's passion for her like's work.
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Janice Styles-hall answered:
It is a great time to buy a house if: your credit is good (mortgage rates are still historically low if your credit is good), you plan to stay in it for at least a few years, and you have shopped around enough to know what you want and have a local realtor helping you who knows the local market and can help you get the best price. Get qualified for a mortgage first so that when you find the home you want, you can look very appealing as a buyer and get a good price. Don't over extend your self on the mortgage...be conservative. If you have to sell your current home first, do it first. I would not put an offer on a new place until I had a contract on my old one even if you have to rent for a while as you search. Good luck! - Tue Oct 7 2008, 13:46
Janice Styles-hall answered:
The median price is the price where half of the listings sold for more and half for less. It is considered a more accurate representation of sales. The average price is determined by adding all the sales prices and diving by the number of sales. - Fri Oct 3 2008, 09:29
Janice Styles-hall answered:
From what I have read and seen first hand, it seems to be a combination of things including remortgaging/taking out a home equity line of credit and unusual expenses like medical bills. Home equity lines have adjustable interest and that has caused some problems but most of what I have seen in this area is that the homeowner got over extended and just can no longer meet the payments. The bank doesn't really want to foreclose and take the house back and may be willing to work out a short sale....meaning they will accept less than the amount owed on the mortgage as payment in full when the house is sold. The homeowner has to demonstrate to the bank that they have no resources to pay off the difference. - Wed Oct 1 2008, 12:20
Janice Styles-hall answered:
While it is possible to purchase contingent on selling yours, the sellers are usually reluctant to do this unless your offer is strong. While it is true that they can continue to market their house in hopes that a better offer comes along, the reality is that as soon as the MLS status says "48 hour contingency" many realtors won't bother to show the home. You are much better off selling yours first and comming in with an offer without the contingency. You will probably have to pay more for the house with this contingency. - Sat Sep 20 2008, 16:18
Janice Styles-hall answered:
It should work, but other factors come into play including your credit scores, other debts, how much down payment you have. You didn't say how long your husband was in his current field. Is he just graduating also? The first thing to do is talk to a mortgage broker in the area you are moving to. A good buyer's agent should be able to connect you with a mortgage broker. - Sat Sep 6 2008, 18:10
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