There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.
That said, in my experience as a Philadelphia real estate professional, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.
As the market it seeing more bank owned properties and HUD homes, we are growing in our expertise. If you need any help with a HUD home please call and we can help you through the process.
This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They've also helped me to extend the range of services I provide to my clients.
"The No.1 Realtor!
Karen kronemeyer, Friday, August 8, 2008
"Thanks to Jane my recent move to the US, purchasing a house with all the foriegn unknowns were taken care of. I have bought 3 other properties in the past and have never come across a more professional, helpful and trustworthy Realtor, she really is the best in her field and I highly recommend her to anyone.""
Karen Kronemeyer Fri Aug 8
"Review of Jane Gallina, Space Agent for USSpaces - Philadelphia, PA
Thanks to Jane's exceptional skills, I just had the smoothest, quickest settlement on record! Jane is an excellent agent from A - Z and it was a pleasure to work with her. She is an excellent communicator, highly organized, has a pleasant disposition, and is available around the clock. What more can you ask of an agent?!
I would definitely choose to work with her again, and I will recommend her to all of my friends and colleagues. She is top-notch!
Jesse Kennon
Philadelphia, PA"
Jesse Kennon Fri Jul 25
Jane H. Gall
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Jane H. Gallina answered:
Jane,
As a loan officer as well as an agent, 20% is a recommendation for the least amount down to get you the best rate possible. As mortgage guidelines have tightened up 100% financing is virtually impossible. There are lenders that will let you put down at least 3%, but the down side is the interest rate on your mortgage is higher and you are also usually required to pay private mortgage insurance for the mortgage company. So 20% is not locked in stone as the amount you should put down, it will usually result in the best rates. Some lenders do have different requirements, such as 30% down for an investment property. Just make sure that you loan officer knows the guidlines and does not lead you astray. - Wed Jul 23 2008, 10:39
Jane H. Gallina answered:
Leslie,
a great way to find a home inspector is from your agent. Typically they will have three they usually recommend. I would also ask your friends and family in the area that have purchased a house recently as they will give you their honest opinion. Lastly try Angie's List if you cannot find anyone from the first two contact references. I recommend Apex home Inspections. - Wed Jul 23 2008, 10:30
Jane H. Gallina answered:
It all depends on if you plan on working with this agent again. An agent that cares about their clients will schedule the time in for an inspection to represent you to the fullest. The agent is not required to be there put it depends on the service you expect. - Tue Jul 22 2008, 07:07
Jane H. Gallina answered:
Real Estate is all a numbers game. The more people that you contact and keep in touch with and establish a relationship with will grow your income. Slow and steady everyday and the income is constant. Just try to contact at least 10 people a day. - Tue Jul 22 2008, 06:51
Working with buyers who are in need of housing, whether it is a condo, an investment shell or your next home to start a family.
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Loan Officer for
US Loans Mortgage,LLC
Your basic loan officer woking with a broker to find you the best rate out there. Upfront Mortgage Brokerage that discloses the fees up front so there are no surprises at the settlement table
July 2007—present