Brexit, the Stock Market and Regrexit

July 5th, 2016
The Economic Commentary This Week            BREXIT BREXIT
Markets React Quickly
The United Kingdom’s vote was certainly felt by the markets. Stock markets around the world plummeted, oil prices moved lower and interest rates fell to record low territory. These low rates are spurring another round of refinancing across the land and these rates are expected to spur home sales as well. Meanwhile, as we mentioned previously, there is much that will have to play out before we see what the real long-term effects will be with regard to the move of the UK out of the European Union. Our stock market seems to have realized this fact as it has already recovered the ground lost.
For example, now there is a Regrexit movement which calls for a “do over” referendum. If that happens, the markets may breathe a sigh of relief, but there still will be an air of uncertainty. For example, if Regrexit moves forward, would Prime Minister Cameron withdraw or delay his resignation? Will the Brexit vote stir other countries to act? The timing and format of the exit is certainly up in the air. From our point of view, the biggest question market watchers are asking is — how will the issues in Europe affect our economy?
We have important economic data coming out this week. As important as the job report is-we must keep in mind that the data covers a period which is mostly before the Brexit vote. Nevertheless, it is an important report, especially considering how weak last month’s employment report was. Analysts will be looking at whether the numbers bounce back and if May’s jobs numbers are revised upward. In light of the initial reaction to the Brexit vote, any spark of good news will be helpful. Our stock market has already experienced a great post-Brexit rally and moderate-to-strong employment growth could continue to bolster stocks as long as rates stay low.
The Weekly Market Update
Rates moved lower as expected in the wake of the Brexit vote. Freddie Mac announced that, for the week ending June 30, 30-year fixed rates fell to 3.48% from 3.56% the week before. The average for 15-year loans also decreased to 2.78% and the average for five-year adjustables moved down to 2.70%. A year ago, 30-year fixed rates were at 4.08%, more than one-half of one percent higher than today’s levels.
Attributed to Sean Becketti, chief economist, Freddie Mac –“In the wake of the Brexit vote, the yield on the 10-year U.S. Treasury bond plummeted 24 basis points. The rate on 30-year fixed loans declined as well, but not by as much, falling 8 basis points to 3.48 percent. This week’s survey rate is the lowest since May 2013 and only 17 basis points above the all-time low recorded in November 2012. This extremely low rate on home loans should support solid home sales and refinancing volume this summer.”
Note: Rates indicated do not include fees and points and are provided for evidence of trends only. They should not be used for comparison purposes.
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Bob Fisher
Mortgage Advisor
NMLS ID: 1028088
Direct: (571) 419-6649
[email protected]

Mortgage News You Can Use -No Need To Wait

July 5th, 2016

Mortgage news  can use                        Colonial porch Tulips web


No need to wait to buy a home, here’s why

Two years employment is not required-

  • applicants school time is considered part of a two year work history
  • Applicants who have changed jobs in the last two years in the same field are OK even with some gaps between jobs
  • Self employed persons still need two years experience, however some approvals will allow one year of tax returns for the income average
  • Applicants with a firm employment contract may start new jobs by the due date of the 1st mortgage payment
  • Non-occupying co-borrowers income can be blended for qualification with low down payments. Relatives or established relationships are suitable co-borrowers


20% down payment is not necessary for many lending plans-

  • VHDA 1st time home buyer funds are available at 100% of sales price to $417,000
  • Veterans can purchase with 0% down payment to $625,500
  • Agency high costs loan limits are available in our area for 5% down payment to $625,500
  • Piggy back 1st and 2nd trust loans can provide 10% down payment to almost $1 million sales price
  • Mortgage insurance PMI costs have been slashed for higher credit scores and PMI price adjustments for loans above $417K have been removed
  • FHA offers lower credit score applicants 3.5% down payment to $625,500 in our area.
  • Non-conforming mortgage programs over $625,500 loan amount are available with 15% and 10% options

*lower housing investment opportunities provide funds for home renovations and cash reserves after closing, lower mortgage rates boost home affordability


Mortgage rates near 2012 record lows


Freddie Mac’s average 30 year mortgage reported 3.48% with .5 discount point.  The record low was 3.31% in November of 2012. One year ago the average 30 year rate was 4.08%. Mortgage bonds benefited from the Brexit vote as traders poured money into safe haven bonds. Expect volatility as stock markets recover and global news moves credit markets up, down, and sideways. The average 15 year mortgage rate last week was 2.78%.     Low mortgage rates and  flexible lending options are a boost to home affordability.


I am available this weekend @ 703-303-6434. I appreciate your purchase, refinance, and HELOC referrals!

John Melnick II

Senior Loan Officer

NMLS ID #527960

Presidential Bank Mortgage

11320 Random Hills Rd. Ste 100

Fairfax, VA 22030



703-277-2882-F  online application

Reliable local mortgage service you can bank on

Amusement Park Safety Tips

July 1st, 2016

Heading to an amusement park or other busy venue this summer? Police across the country are encouraging parents to write their cell phone number on their child’s wrist and cover it with liquid band aid in case you get separated. They also suggest taking a picture of your child so you know what clothes they are wearing in case you need to give a description if you cannot find your child.
A lot of you may be heading to the beach this summer. Have you ever wondered what the many flags you encounter on a beach mean and how they can keep your family safe? Around the world, beaches post flags of different colors to alert swimmers to conditions that might threaten their hot-weather fun. When memorized, the universal symbols are easy and quick signals that protect summertime travelers. The global membership of the International Life Saving Federation agreed on standards for beach safety that emphasize the importance of warning flags. In its guidelines, the ILS writes that “flags are traditional devices for providing information to beach and water users which, if properly utilized, can be an effective element of a comprehensive safety system.”

The warning flag system is simple because it’s based solely on color and design that can be learned by anyone, regardless of languages and whether they are at a lake in Michigan or a sea in Asia. That’s because the flag color system speaks a universal language:


Beach Safety Flags

*Green, as with traffic lights, mean go swimming, but always with caution.

*Yellow means a “medium hazard,” so “weak swimmers” are advised to be cautious about going into the water.

*Red indicates a “high hazard” that all swimmers – regardless of their level of swimming skill – should heed by

staying out of the water. A double red flag means the beach is closed.

*When a flag is purple, there are creatures in the water that swimmers should be aware of and perhaps avoid by

staying on the sand. Those animals include jellyfish and stingrays. (Sharks are denoted by a red or double-red flag.)

*A flag split between red and yellow means that lifeguards are on duty. The expanse between those flags, notes the

ILS, “indicates a designated area or zone along a beach or waterfront that is most closely supervised or patrolled by

qualified lifeguards.”

*A flag divided into white and black warns swimmers that the area is open to surfers, so swimmers must take care.

*A yellow banner with a black ball on it says that surfboards are prohibited.

Knowing the flag system for water safety helps to ensure that summertime beaches are filled only with laughter and

fun, not with ambulances.

We hope these three summer safety tips help you and your family have a wonderful summer!

Small Town Warmth, Cutting Edge Vitality Vienna, VA-4th Best Place to Live

June 28th, 2016

Established 1890Vienna
(Fairfax County)

Sprawling Fairfax County has thousands of neighborhoods, but according to Sam and Pamela Karam, there’s only one that is perfect. When they began their search for the best neighborhood, they had three criteria: One, the schools had to be excellent for their young sons. Two, the house had to be charming but still fit within their budget. And three, the area needed to be culturally diverse. Because Sam owns a produce company in Washington D.C., they knew they needed to stay as close to the city as possible.

After a year of searching on their own and with a realtor, the Karam family finally found their ideal haven in Chatham Square, on the border of Dunn Loring and Vienna. “It was a struggle and sometimes frustrating,” says Pamela, “But we found everything we were hoping for, and more.”

“I feel passionate about the education my kids are receiving here,” Pamela explains. “My youngest son attends Holly Brook Montessori School where they celebrate International Day on Halloween. All the children dress up in ethnic costumes, then point to the country that they represent. What a great way to learn about the world!” Her older son attends the neighborhood public school, where she is the monthly “mystery” reader for his class. Pamela points out another important aspect in choosing their neighborhood. “I work, but I wanted to be physically close to my kids. I have a wonderful boss so I’m able to zip over and have lunch with my kids on a regular basis.”

Although Vienna is located in one of the most affluent counties in the nation, residents say you won’t feel a hard, cold reception here. Instead, Vienna prides itself on their small town warmth. Neighbors mingle and stay involved with a busy calendar of events. The Community Center’s active Phoenix Teen Center is so successful that other areas are using it as a model.

“We love to explore,” says Sam. “There are so many ethnic possibilities in Vienna. It’s fun to expose the kids to different types of food. And we’ve met some wonderful people here.” During the last five years, the Karams have seen an explosion of growth. “It’s a mixed bag,” says Pamela. “There’s more traffic, but there’s also more shops, theaters and restaurants. And that means that we have everything we need right here in our neighborhood.”

Vienna’s Claim to Fame
“We are honored to have been chosen as the ‘4th Best Place to Live in America’ by Money Magazine,” Mayor M. Jane Seeman says about her town. “The Town of Vienna is an authentic small town of about 15,000 residents. There are many family oriented festivals and events throughout the year including ViVa!Vienna!, July 4th and the Halloween Parade. We pride ourselves in maintaining our residential character and providing the best possible service to our citizens. The Town of Vienna has character, traditions and a rich history.”

Vienna’s Favorites
For shopping, the favorite spot used to be Tysons Corner Center. Then they built Tysons Galleria, and now… it’s back to the new wing of Tysons Corner Center. With valet parking and hip new stores like Ruehl, Urban Outfitters, and Arhaus for home décor, it’s easy to be extravagant. There’s also a 16-screen megaplex movie theater with comfy stadium seating. Once shopping is complete, the reward is a trip to Coastal Flats for an exotic Key Lime Pie Martini. Delicious!

Vienna locals (and anyone else passing through) rave about the tiny but terrific Skorpios Maggio’s Family Restaurant. Tucked away in a mini strip mall on Maple Ave, this family owned Greek restaurant serves the best rotisserie chicken you’ve ever tasted. Generous in portions and spirit, affable owner Chris Maggio and his wife Sherry will make sure you have plenty of tzatziki sauce, pita and baklava. Just like in the old days, all advertising is done by word of mouth.

Your Window of Opportunity to Buy a Home is Now

May 6th, 2016
Your Window of Opportunity Is Open

Your Window of Opportunity Is Open

If you’ve been thinking about refinancing or buying a home, now may be the time to move on it. Rising home prices are being offset by home loan rates that remain near historic lows.

Home Prices on the Up and Up
Home prices, including distressed sales, rose by 6.8 percent from February 2015 to February 2016, according to housing data analytics firm CoreLogic. Month-over-month prices also were up 1.1 percent from January to February. Frank Nothaft, chief economist for CoreLogic, said this trend will continue, noting the “economic forces” of lower home loan rates and strong job creation will support the 5.2 percent home price increase CoreLogic projected for 2016.

Loan Rates Hovered Near Historic Lows in April
While home prices continue to rise throughout much of the country, homebuyers are benefitting from attractive home loan rates. In fact, monthly payments have been tempered by home loan rates hovering near historic lows.

Home loan rates can improve when there is mixed or weak economic data, as well as uncertainty overseas like the recent global economic slowdown. That’s because these factors typically cause investors to move their money into “safer” investments like Bonds, and home loan rates are tied to Mortgage Bonds. When Mortgage Bonds improve, so do home loan rates.

However, strong job growth in the first part of this year signals continued improvement in our economy. If other economic indicators gain traction and also show improvement, investors could move their money from Bonds and into Stocks, to take advantage of gains. Though many factors impact the markets, strong economic news could cause home loan rates to increase.

Finding the Home of Your Dreams
As the spring buying season continues to heat up, more families may be rushing to cash in on historically low home loan rates. That means finding the right property—and landing it—may be a mad dash for limited inventory. March Existing Home Sales were up 1.5 percent from a year ago, and March Existing Home Sales jumped 5.1 percent from February’s sharp decline to an annual rate of 5.33 million units. While sales are good, the National Association of REALTORS® reported that March’s existing housing inventory showed 4.5 months’ worth of supply; a six-month supply is viewed as normal.

Housing Starts, which measures the number of residential units on which construction has begun, also were up in March over a year ago by 14.2 percent. Building Permits, which are a sign of future construction, declined 7.7 percent from February to March 2016, hitting a 12-month low of 1.09 million units.

If you are in the market for a home, or if you’re considering a refinance, home loan rates remain in historically low territory. Please don’t hesitate to contact me if you have any questions about rates, home loan products or refinancing.

Global Tip of the Month January 2015 by CIPS

February 13th, 2015

Brought to you by the Certified International Property Specialist (CIPS) designation…
Global Tip of the Month: January 2015
Develop Cultural Fluency: High and Low Context Cultures
“One of the most effective ways to learn about oneself is by taking seriously the cultures of others. It forces you to pay attention to those details of life which differentiate them from you”.
― Edward T. Hall, The Silent Language
As global real estate practitioners, it’s likely that you interact routinely with clients from a variety of cultures. If you are a seasoned international professional, then you have seen first-hand how someone’s culture can shape behavior and expectations in both business and social settings. The way people make decisions, place trust in others, disclose information, or even make eye contact is often rooted in cultural mores. Successful global practitioners have a firm grip on cultural fluency- meaning they have familiarity with different cultures and their actions reflect this familiarity. If you are just beginning to explore the global arena, spend time learning about the cultures of your international clients. You do not want a transaction to go sour, or lose a client because of a cultural mistake or misunderstanding. Interactions with foreign clients and customers proceed best and lead to successful transactions when you are sensitive to their expectations of business and social behaviors.
Generalization vs. Stereotypes
There is a fine (and often gray) line between generalizations and stereotypes. We can summarize our experiences by saying most, many, or some of the individuals in a particular group tend to share certain characteristics. This process of generalization helps us to organize our thoughts and interpretations. In this regard, generalizations are useful as guidelines. Generalizations allow us to revise our opinions and responses as we observe how an individual’s behavior and reactions match or differ from these expectations. But, be careful not to stereotype. The less we know about the individuals who belong to the group, the more the stereotype turns into a cultural myth. Generalizations become harmful stereotypes when we allow them to interfere with treating people as individuals.
The Role of the Real Estate Practitioner
Cultural learning can work both ways. Foreign clients and customers are curious and sometimes as confused about the cultural, social, and business expectations of U.S. businesspeople. As a real estate professional, you can serve as a cultural interpreter for foreign clients and customers. However, to liaise successfully, it is important to understand their thought process and where they are coming from.
Real estate professionals understand the importance of building relationships with clients to promote business opportunities. For some cultures, relationships are the key to successful transactions. Simply put- where there is no relationship, there is no business. To be a successful global practitioner, you don’t have to change who you are or your culture, you just need to know how to adapt your outlook and behavior.
High Context and Low Context Cultures
While no one wants to be the subject of a statement like, “he’s such a typical….” the concept of high and low context cultures help us generalize about the traits of individuals within a group. This concept can help us adapt our business behavior when we are first getting to know a new client. Even first- generation and second-generation offspring of immigrants may still be immersed in their parents’ culture. They may expect and/or appreciate real estate professionals’ sensitivity to cultural preferences. However, the more time you invest in the relationship, the more you will know how to best adapt your behavior to suit the needs of your individual clients.
The below chart reviews the differences between high context and low context cultures. It is important to remember that this information is only useful as a generalization and a starting point.
High Context or Low Context?1 High Context A high context culture values formality, face-saving communication, relationships, and the slower pace needed to develop relationships Low Context A low context culture values informality, direct communication, results, fast pace, and punctuality
 Conduct business through development of relationships  Nonverbal communication is important  Contracts are the basis of relationships  Time is fluid and schedules tend to be flexible  Relationships interfere with business  Precise verbal agreements are important  Contracts are binding and exist apart from personal relationships  Time is treated as a commodity and schedules are carefully observed
1 Herbig, Paul, Handbook of Cross-Cultural Marketing, The International Business Press, Birmingham, New York, 1998.
To learn more about cultural fluency, high and low context cultures, and how to best work with global buyers and sellers, sign up for Certified International Property Specialist (CIPS) designation training courses which are designed to help real estate agents know how to interact with people from around the world. Elective courses are divided up by regional focus- Europe, the Americas (Caribbean, North, Central, and South America) and Asia/Asia Pacific. Each course covers business practices and social behaviors specific to individual countries and cultures within the region. As a member of the Keller Williams GPS platform, you have access to all online CIPS courses at no additional charge─ tuition is included in your GPS membership. The sooner you complete the CIPS coursework and apply for the CIPS designation, the sooner you will have access to a wide-range of additional global resources.
Questions? E-mail: [email protected]

Healthy Living Tips

January 30th, 2015
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January 25th, 2015

The big SCAM of the real estate industry, has always been that traditional real estate companies have been trying to convince consumers and agents, that the reason you want to hire an agent, is simply because the real estate company they work for. These companies value THEIR BRANDS as their greatest asset…not their agents, and spend ALL of their money and resources marketing their brand. They also turn around, and train their agents to market their company’s brand first. Maybe that is why agents, who have been trained to market their real estate company’s brand their whole career, are so scared to leave their company?? They are so tethered to their company’s brand, they are scared what will happen if they leave…and that is exactly the way their real estate company WANTS it!!

At KW, we believe the agent is the BRAND OF RECOGNITION and KW is the BRAND OF REPUTATION…not the other way around. We are the only real estate company that systematically trains our agents to brand and market THEIR businesses first. But think about it…by teaching our agents to brand and market their businesses first, are we not making it easier for our agents to leave? If you are following our model, and you wanted to leave KW, your business would not miss a beat, because all you would have to do is change the name of the real estate company at the BOTTOM of your marketing. When you build a real estate company where your agents will never want or need to leave…it simply changes everything about how you treat them. ‪#‎TheKWEffect‬

Mortgage Update

January 21st, 2015

Mortgage News You Can Use  


On 1/26, Fannie Mae will debut their Appraisal Collateral Underwrite (CU).  This tool will enhance FNMA’s appraisal porthole currently used to account for appraisals.  The CU will be far more detailed in its review of completed appraisals and will provide feedback to lenders which , in some cases, could require additional information from the appraisers to make the reports acceptable.


The Consumer Financial Protection Bureau added a mortgage rate tool to its web site this week. The link can be found at The purpose is to let consumers know what other customers in their area with the same down payment and credit score are being offered as an average interest rate. The bureau stresses it is up to the consumer to find their best terms on a mortgage by shopping lenders. My referral partners and educated consumers know receiving a competitive mortgage rate and  working with a proven and experienced local lender is what is really essential in this market.


Next week FHA will be cutting its monthly mortgage insurance MIP by .50%. This improvement will cut an average of $100 off mortgage payments for FHA loans and opens the door for more eligible home buyers.  Current FHA home owners since June of 2013 can save by refinancing into the lower premiums.


The Average 30 Year Mortgage Rate Declines for a Third Week 

Freddie Mac reported that the 30 year fixed rate averaged 3.66% from 3.73% with .6 discount points.  Declining stock prices pushed money into bonds for most of the week. The strong consumer sentiment reading Friday rallied stocks and interest rates rose.  If the stock market picks up steam next week,  mortgage rates will creep back up a little. One year ago the 30 year average was 4.41%.  The 15 year mortgage average was 2.98% from 3.05%.

John Melnick

Home Updates to Boost Resale Value

January 21st, 2015

The Hottests Topics On The Market

Home updates that will boost the resale value

January 15, 2015 at 6:17 am Lisa Ross 5 Tips & Tricks There is a general knowledge that home updates can increase your property’s sale price, and it is no wonder why. In order to keep up with today’s hectic rhythm and with the similar properties that are available on the market, there is always place for such investments. But what exactly should you do? Which ones are more important?

Of course, that when you think about selling a property, the last thing you want to hear is that you have to invest more money before you earn profit immediately. However, this only depends on the types of enhancements you choose to do to your property; you’ll get your dollars back, don’t worry… In other words, refreshing your house before listing, it’s most likely going to increase its sale price. Do the minor updates that your property requires, and let the major ones to the future owner.

Always have in mind that the improvements you choose to do now are only going to help you sell your property faster and at a higher price. For this to happen, you need to know exactly what renovations to do and what to avoid. There is a list of things that are cost-efficient and that are totally in your favor. With little effort you can achieve great things…

Take a look down below to figure out some easy enhancements you can do to your house before putting it on the market. You cannot guess how much these changes are going to help you in the end.  home updates to make

Home updates that will pay off!

  • Landscaping

Not sure where to start? Well, start with the first things your visitor will see – that is to say your front yard; after that concentrate on your backyard too. Specialists state that if you manage to make a first good impression, then your house is almost like sold. However, if your front yard looks terrible, then there are high changes the viewer won’t even step a foot on the property.

All your plants need to look fresh, your grass should be newly cut, while the other accessories should be attractive and therefore get that plus to your property. Depending on the season you are in, take a look at the trends in landscaping design and see what you can do to enhance the outdoor appearance of your house. What is more, don’t forget about your fences, repaint them and avoid last-minute surprises.

Hint: Focus on some eye-catching colors, this will grab the attention of your buyers instantly. Adding minor details will give the impression your garden is well-taken care of, consequently your house must be too!

  • Upgrade your porch

To continue with the outdoor area, you need to also focus on your porch. This is one of those areas that instantly pull the trigger. Upgrade it! If you’re in autumn, bring some blankets and some nice looking flowers on your bench… Don’t forget about the floor and that’s it. You have just attained your goal – to impress your first-time visitors. Thus, you’ll add curb appeal to your house and character at the same time.

Hint: Make use as much as possible of eye-catching tricks to make your visitors remember the house. Add eye-appeal and details that will make the difference.

  • Kitchen and bathroom renovation

The next areas you need to focus on are the kitchen and the bathroom. These two areas are of great interest due to the fact that we spend a lot of our time in there. The kitchen plays a vital role in any family – it’s the place where members spend a lot of their time and interact with each other.

There are numerous upgrades you can do and with little costs as well. For instance, put some fresh and lively fruits on the table and grab some beautiful flowers. This will enhance the general appearance and will bring a homely vibe to the chamber. One of the things you can do before a viewer comes, is to bake a cake. Why? The smell will certainly arise some great feelings to your visitors and will make your property feel cozier.

In what concerns the bathroom, make it smell nice, replace the shower curtains and get a new toilet seat. Repair all leaky pipes and change old accessories. This will make a huge difference. Moreover, you need to clean everything and make it sparkle. Good luck!

Hint: Even an older property can glow if you point out its advantages. The kitchen and the bathroom are the areas of the house that just add up to the property’s value if they look just the way they are supposed to.home updates for kitchen

  • Living room updates

As the name says it, the living room area is the place where our families spend most of their time together. So focus on improving it! After cleaning and decluttering it, you can bring in a warm feeling by putting some soft music and arranging the dining area. Moreover, you can also buy a new chandelier and rearrange the furniture in order to give the impression of open space.

Hint: You need to make your visitors feel at ease with the property, you need to make them wish to live there, to see themselves there in the future. Emphasize on the things that will make your visitors fall in love with the house.

  • Bedroom updates

This is one of the most important areas of the entire house. Therefore, the first things you need to do is to replace the curtains and create an intimate ambiance. How? You could bring some candles, some glasses of wine and a nice perfume. Other accessories are as well more than welcomed! This is just one simple, but effective trick!

Hint: Don’t try to do more than you can afford – more is not always better. Last investments will be beneficial for you. Not everything works in each case, however.

  • Paint job

One of the easiest things you can do to freshen up the looks of a property is to paint it. Here, either that we talk about painting the interior walls or bringing a fresh look to the exterior of the house, it will change the overall appearance, for sure. With a new paint job you can dress things up, as they were like new.

From another point of view, however, picking the right color is difficult and requires a lot of your attention and good-taste. The wrong color could ruin everything.

Hint: The secret to spend less is to spend it wisely; and a good paint is one of those small things that just change the entire ambiance of the room. With a little bit of interest in home design you can make some improvements that will be highly appreciated.

  • Lighting repairs

To continue, another upgrade that can change the entire appearance of your property is lightning. Good lighting means the impression of bigger rooms or larger areas. Check if all the lights work properly before holding an open house or inviting visitors in, for instance. It will certainly not make a good impression if something doesn’t work properly. Replace the old-school bulbs with LED light bulbs and you’ll push another sensitive button – the importance of energy saving devices.

The lightning is part of every room and therefore is of great importance… You need to put your home in the best possible light…

Hint: This is one of those projects that just pay off, so don’t try to make savings here. Remember – Details boost your final income!

Make your house sparkle!

Even a property that apparently doesn’t have much to offer can prove to be in the end a great asset. How? If you know how to enhance its best qualities. Every house has its advantages and disadvantages, the key however is to make the right repairs at the right time and make sure your visitors notice them.

Details definitely count: the property needs to be clean and should look appealing when you put it on the market. Once a viewer is disappointed, you cannot change his opinion later on, or bring him/her once again to your house. The first impression always counts! Do some light fixtures, and you might get your lucky clover.

All the small improvements that you do now, will help you get more money in the end. Even though, it might not appeal to you – to invest in a property that you will certainly sell later on, it is definitely advisable. Last minute improvements help!

Taking all the above mentioned aspects into account, an efficient way to sell your property faster is to advertise it when it is in its best shape. Offer a good deal for your buyers and you’ll get your fair share after all. Make it sparkle!

J. Ross