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October 2, 2022
How to Sell an Arlington VA House Fast in a Slow Market
The housing market is slowing considerably in Virginia. Earlier this summer, home sales were down nearly 20 percent from the year before. This was the sharpest decline in more than two years. Still, there are plenty of people looking for homes, and the market is still favoring sellers. But this can flip at any time, which we’re already seeing in other parts of the country.
If you’re planning to sell your Arlington VA house in the near future, you could be working with a limited buyer pool. Winter is coming, house prices are soaring and interest rates are increasing. This is forcing many people to pause their home search. And, if your house isn’t in perfect, move-in ready condition, this can make it even more difficult to sell.
To help you prepare, here are our best tips for selling a Virginia house in a slow market.
Price the House Just Right
The key to selling any house in a slow market is pricing it just right. While you want to get the best price for your property, setting the price lower will drive in more traffic and help you sell your house faster. To determine what to price your house at, you’ll have to do some research. Look at what comparable homes in your area have sold for and use this as a benchmark.
Sweeten the Deal
Anything that you can do to incentivize potential buyers can help you sell your property faster. As a seller in a slow market, it’s your job to make sure that buyers feel like they’re getting the best deal. So, think about some of the ways you can make the deal sweeter, such as by covering some closing costs or offering a home warranty.
Make Sure Your Home is Always Show-Ready
Another way to make sure you don’t miss out on any potential sales is by making sure that your house is always ready for a showing. Keep it clean and picked up, and be flexible with showing times. This way, you can be sure that everyone who wants to see the house has the opportunity to do so.
Ensure Your House is Move-In Ready
Your Arlington VA home should also be move-in ready. People don’t want to buy a house and then have to put a bunch of work into it. This is especially true in a buyer’s market when there are more houses than buyers. Address issues with the property and consider making improvements, such as replacing the carpet or repainting the walls.
Optimize Your Online Listing
Many people start their search for houses online, so make sure you have a great digital footprint. This includes a staged home with professional photographs, an interactive video tour and a detailed description of your property and its area. If you’re still not getting traction, you may need to enhance your marketing with an open house or paid advertising.
Want to Sell Your Arlington VA House Fast? Sell it for Cash!
If these suggestions don’t make sense for you, consider selling your house for cash! Not everyone has the time or money to fix up a house, pay for staging, pick up closing costs, cover realtor commissions and more – and that’s okay! 4 Brothers Buy Houses will pay cash for your Arlington property, and we’ll buy it in as-is condition. Contact us today for your free cash offer.
September 15, 2022
My Pasadena MD Home Isn’t Selling. What are My Options?
Pasadena Maryland is a great place to live, with home prices increasing and more people moving to the area. Compared to some other parts of Maryland, Pasadena is quiet and has good schools, lots of parks and quick accessibility to restaurants and the Chesapeake Bay. Most sellers have had no trouble selling their homes.
However, now that the market is cooling off, you might find that your house isn’t selling. This can be especially true if your house isn’t in the best condition. As buyers have more options and leverage, they’re not as willing to make offers on houses that need work. This means that you might have to address issues that you wouldn’t have had to last year.
If your house in Pasadena MD isn’t selling, here are some of your options and the things you can do.
Try to Understand the Problem
The best way to come up with a strategy for selling your house is by understanding why it’s not selling in the first place. Be objective. Most of the time, the pricing is the problem. Look at comparable homes in your area to determine if yours is priced accordingly.
Some of the other reasons why your house might not be selling are:
- Poor curb appeal
- Repairs and maintenance needed
- Outdated kitchen and bathrooms
- Bad marketing and advertising
- Located in a changing neighborhood
Lower the Price
One of the first things you can do is lower the price. Be strategic about your pricing, as many people will use filters on their searches that could exclude your home. For example, if you lower your price to $452K, buyers who are capping their search at $450K won’t see your home. To get more buyers, it’s better to price it at $449K so it turns up in more searches.
Focus on the Areas that Need Attention
Whether your home could benefit from improved curb appeal, new carpet or repainted walls, now is the time to address these issues. Pay attention to the feedback that potential buyers are leaving – most are honest about what they like and don’t like about the property. Focus on the areas that are turning people away, such as dirty carpets or old appliances.
Try New Channels
If you’re currently working with a realtor, consider some other marketing channels that can help get your property in front of more eyes. Your online listing should be thorough and include professional photos, an online video tour and a descriptive listing. You can also post your property on social media or talk to your realtor about putting up a ‘for sale’ sign and hosting an open house.
Sell Your House for Cash
If you don’t have time to waste, consider selling your property for cash. 4 Brothers Buy Houses will pay cash for your property. We buy houses in as-is condition, meaning that we will not ask you to make any repairs or updates. All you need to do is move out! We waive the inspection and appraisal, and we cover most closing costs.
To get a free cash offer for your Pasadena MD property, contact 4 Brothers Buy Houses today. We can close in just two weeks, and you can walk away with the full cash offer.
August 2, 2022
I’ve Fallen Behind on My Payments. Can I Still Sell My Washington DC House?
If you’re behind on your mortgage payments and you don’t see your situation improving, you might be wondering if you can sell your house in Washington DC. This will relieve you of your mortgage payment, and you can either rent or move in with someone while you improve your financial situation.
Let’s learn more about selling your house when you’re behind on your payments and the benefits of doing a cash sale.
Can I Sell My Washington DC House if I’m in Foreclosure?
The foreclosure process typically begins once you fall several months behind on your mortgage payments. In Washington DC, the servicer can’t officially begin the foreclosure process until you’re 120 days past due, though there are a few exceptions. This 120-period is meant to give homeowners in Washington DC a chance to catch up on their payments.
The best time to sell your house is when you’re in pre-foreclosure. Once you’re in foreclosure, it’s only a matter of time before the bank has the legal ability to reclaim your house and sell it to recoup their money – and you’ll be forced to vacate. But you can sell your home any time before redemption.
The benefit of selling your house when you’re in pre-foreclosure is that you have more time. You can make small improvements and work with a realtor to sell your home, or you can sell the property for cash. If you wait until foreclosure officially begins, you’ll be working against the clock.
Knowing What Your Property is Worth
If you’re behind on your mortgage payments, but your house is worth more than what you owe on the loan, you’re in a good spot. You can sell the house and use the profits to pay off the loan. Things get trickier when you owe more on the house than what it’s worth, something called an underwater mortgage.
In this case, you may want to sell your Washington DC house in a short sale. You will end up “short” when paying back the lender, but they will have already agreed to accept this. Getting your bank to agree isn’t easy, however. Lenders lose money in short sales, so this is not an ideal solution. That being said, some lenders will take a short sale over a foreclosure, so they may agree to it.
Other Options to Consider
As long as you can sell your home for more than what it’s worth, this is what you’ll want to move forward with. Find out how much you own on the loan, along with any fees. Then you can work with a real estate agent and/or cash buyer in Washington DC to determine how much you’ll get for your property.
What makes a cash sale ideal is that the process is quick, there is no need to make improvements or repairs and most costs are eliminated – inspections, appraisals and closing costs.
Other options you can look into include:
- Loan modification
- Mortgage forbearance
- Renting out the house
- Refinancing for a lower payment
To get a free cash offer on your Washington DC property, contact 4 Brothers Buy Houses. We buy houses as-is, and we often work with people to stop foreclosure. Find out what we can do to help you today!
July 18, 2022
What to Expect from the VA Probate Process – and Your Options for Selling
DISCLAIMER: Our blog posts are intended for educational purposes only. They are not to be used as financial, tax, legal or real estate advice. Please contact a tax professional, real estate attorney or other professional for clarity on your specific situation.
Probate in Virginia is a court-supervised legal process that happens when someone dies. The purpose of probate is to give someone, usually the surviving spouse or another close family member, authority to gather and distribute the deceased person’s assets. And one of those assets is their house.
If you are currently dealing with a Virginia house in probate, it’s helpful to understand the process and your options for selling, if you choose to do so. Many executors decide that it’s best to sell their loved one’s house because they don’t have the time or money to maintain it. Selling the property allows them to liquidate this asset and distribute it to the heirs.
Let’s learn more about the VA probate process and your options for selling.
Is Probate Required in Virginia?
The short answer is yes, probate is required in the state of Virginia. However, there are instances where probate may not be required, such as if the estate is placed in a revocable living trust with named beneficiaries.
Not everything needs to go through probate. Things like retirement accounts, life insurance policies, securities and stocks don’t need to go through probate because there are named beneficiaries. But property like houses and cars often do.
How Long Does the Probate Process Take in VA?
Probate is a long process, so plan to be patient. A small estate may only need four to six months, while larger estates will take more time. If there are delays, probate for a large estate can last for years.
Fortunately, there are ways you can help speed up this process. Having a will, updating beneficiaries and signing a self-proving affidavit are all ways to make things move faster. And while there is no deadline for filing probate after a person dies in Virginia, sooner is typically best.
Can I Sell a House During Probate in VA?
Yes, you can sell a Virginia property while in probate. However, you’ll need to be aware of how the proceeds from the sale will be distributed. For example, after the house is sold and the proceeds are applied to the probate cost and estate debts, any remaining profits will be split among the beneficiaries.
Due to the way the profits are split, some executors find it best to sell the house for cash. They don’t have to pay realtor commissions, make repairs or pay closing costs. And, the process is quick, usually taking about two weeks from start to finish.
The benefits of selling a house for cash in probate are:
- No realtor fees or commissions
- Most closing costs covered
- No repairs or home improvements – house is sold as-is
- Quick closing – usually in about two weeks
- No appraisal, inspections or showings
- Leave the belongings if you wish!
If you are thinking about selling a VA house for cash in probate, contact 4 Brothers Buy Houses. We frequently work with people in probate, and we can help determine the best options for you and your family!
July 10, 2022
My Hyattsville MD House Has an Auction Date. Can I Stop Foreclosure?
Foreclosure isn’t a quick process. In Maryland, the process typically takes about 90 days. But this timeline can take much longer depending on how backed up the courts are. However, when you receive an auction date for your MD house, you’re racing against the clock. The good news is that you still have time to prevent foreclosure, even if the auction date is just weeks away.
Stopping Foreclosure in Hyattsville MD
Foreclosure in Maryland is not unusual. Maryland is the seventh most expensive state in the United States, with housing prices 66 percent higher than the national average. A typical single-family home in the Hyattsville area is around $350,000. And even though the average household income in Hyattsville is $93,527, the area still has a poverty rate of 10.33 percent.
If you are struggling to pay your mortgage in MD, you are not alone. But keep in mind that you do have options. You do not have to let your house go into foreclosure.
Chapter 13 Bankruptcy
One option you have is to file bankruptcy in Maryland. Unlike Chapter 7 bankruptcy, you do not have to sell your house in Chapter 13 bankruptcy. This form of bankruptcy allows you to keep your home and avoid foreclosure while stopping creditors from pursuing debts against you.
However, filing bankruptcy is always a last resort. It’s a long process that can negatively impact your credit score by 200 points or more. A Chapter 13 bankruptcy also stays on your credit report for seven years and can make it difficult to get new financing.
Negotiate with Your Lender
You should always be in communication with your lender. The more open and honest you are with them, the more they can help you. That being said, your lender’s goal is to get their money.
Try to negotiate with your lender and see what options you have, such as loan modification, refinancing or forbearance. Your lender may even agree to accept a deed-in-lieu arrangement. Although you won’t get to keep your house, it does prevent foreclosure.
Pay the Balance
This is probably an unlikely situation, since you would have paid your delinquent mortgage by now if you had the money. But it’s still something to consider, as a loan from a family member or an unexpected inheritance could bring the financial windfall you’re in need of.
You can also sell your Hyattsville house for cash, which would give you money to pay off your delinquent mortgage. As long as the lender accepts the payment, the foreclosure process stops and you can continue making your regular mortgage payments.
Sell Hyattsville MD House for Cash Before Auction Date
Since a traditional sale can take months, selling isn’t a feasible option to stop foreclosure if there’s already an auction date. But you can complete a cash sale. With this arrangement, a cash buyer purchases your house using their own money. No bank financing is needed.
4 Brothers Buy Houses can usually complete a cash home sale in two weeks. We also waive the inspection, appraisal and most closing costs. Each situation is unique, so it’s important to find out if a cash sale is in your benefit. Contact us today to learn more about selling your Hyattsville MD house for cash!
July 1, 2022
Can I Sell My Washington DC House While in Forbearance?
Forbearance is when your mortgage lender allows you to temporarily pay your mortgage at a lower payment or pause paying your mortgage. You are not off the hook for these payments. You will have to pay the reduction or paused payments later on.
The purpose of forbearance is to help homeowners deal with financial hardship. Unfortunately, not all hardships are temporary. Some go on much longer than expected. If you have found yourself in this situation, you may be wondering if you can sell your Washington DC house while in forbearance.
Yes, You Can Sell Your Washington DC House in Forbearance
4 Brothers Buy Houses works with people who are in forbearance. Not only can we help you sell your house, but also we can sell it fast. This is important, as you might not be able to find a buyer in a short amount of time.
Also, we do recommend looking at all of your options, as one might work out better than another. For instance, if you want to stay in your house, you can work with your lender to refinance your mortgage or modify your loan. But if you want to sell your house and start fresh, selling to our cash buyers in Washington DC may be worth it.
What are the Benefits of a Cash Sale in Forbearance?
Many people don’t consider a cash sale in forbearance, but it can be a great alternative to a traditional sale. It’s cheaper, faster and easier, which are all great perks for you! Below are some of the benefits of selling your Washington DC property to 4 Brothers Buy Houses:
- Work with local buyers. Our house buying company is not a national company that will pressure you into selling your house. We are local buyers who live and work in the area. We care about our customers and help them work through their real estate challenges.
- Avoid selling costs. Selling a house is not cheap. A traditional sale involves many costs, including realtor commissions, marketing fees, repairs, showings, closing costs and more. You can avoid all of this with a cash sale. We even waive most appraisals and inspections!
- Sell quickly. Most cash sales take about two weeks or so. This means that you could be closing on your DC house within the month! If your hardship is extended and you need to relieve yourself of your mortgage payments, a cash sale will help you out.
Get a Free Cash Offer on Your DC House
It is possible to sell your Washington DC house for cash while the mortgage is in forbearance. You may have to work out an agreement with the lender and use your profits to pay off your debts, but this will help you get the fresh start you’re looking for. To find out how much 4 Brothers Buy Houses will buy your house for, contact our cash buyers today.
June 20, 2022
Top 5 Reasons Washington DC Homeowners Fall Behind on Their Mortgage
While things are slowly returning to normal, the pandemic has had long-lasting effects on American households. Overall, many Americans are still struggling to make ends meet due to job and wage losses as a result of COVID-19.
But even before the pandemic, it was not uncommon for people to be delinquent in their mortgage payments. During the subprime mortgage crisis of 2007-2010, the mortgage delinquency rate spiked to 9.3 percent. Rates dropped, until 2020, when they climbed back up to 8.22 percent.
Mortgage delinquency rates are dropping again, but even at their lowest, they still teeter around 4.5 percent. So why do people in Washington DC fall behind on their mortgage payments? Below are the top five reasons.
Unemployment
In March 2022, the District of Columbia’s Department of Employment services reported that the unemployment rate was 6 percent. Businesses are still recovering from the pandemic, so many are experiencing slow hiring processes.
In fact, Glassdoor reports that people in the District have the slowest hiring processes compared to job seekers in other cities. Obviously, without a job, it’s difficult to stay current on a mortgage. And even if a person does land a new job, it might not pay what it used to.
Wage Loss
Another reason why people default on their mortgage is because they aren’t making the same amount of money. This could be due to a job loss or job change. Or it could also be the result of their employer lowering their salary or cutting their working hours.
Employers cannot lower your salary without telling you first. And, you must agree to it. But, employers can absolutely reduce your salary, just as they can raise it. This article covers five common types of pay cuts and how they can affect you.
Coronavirus
The pandemic has an enormous impact on the American economy. A survey from Pew Research found that roughly half of non-retired adults admitted that the coronavirus will make it harder for them to achieve their financial goals.
The same survey from Pew Research also found that one in five Americans worry about paying their rent or mortgage on time, as well as being able to buy enough food for their family. Lower-income adults are hit hardest, as they’re more likely to face job loss, wage loss and other obstacles.
Medical Expenses
Medical bills are one of the top reasons why people in Washington DC file for bankruptcy. Medical debt is a major source of pressure for Americans, especially for those who lack insurance coverage.
While the goal of health care reform is to make health insurance affordable and accessible to all Americans, over 8 percent of people did not have coverage in 2020. And even with insurance, medical bills can still pile up.
Divorce
And lastly, divorce is another reason why people fall behind on their mortgage payments. Divorce is expensive, particularly when the two sides can’t come to an agreement. And unfortunately, this is more common than not.
When the two sides are unable to pay the mortgage, it becomes delinquent. At this point, the couple has to decide whether they want to keep the home, sell the home or let it go into foreclosure. However, no newly single person wants to have their credit score go down by 150-200 points!
Get a FREE Cash Offer On Your Washington DC House – We Can Stop Foreclosure!
These are the top five reasons why people fall behind on their mortgage payments in Washington DC. If you’re currently struggling with paying your mortgage, contact 4 Brothers Buy Houses. We will buy your home for cash in just TWO weeks! See what we’ll pay for your home today!
June 15, 2022
Can I Sell My House in Washington DC Without Showings?
Most people will agree that one of the worst parts about selling a home in Washington DC is the showings. Of course, prospective buyers need the opportunity to visit a home in person, but it’s also incredibly stressful to make this happen. You need to keep your property show-ready, leave throughout the day and have strangers roaming through your home. And now, there’s also COVID-19 to think about.
So, is it possible to sell your Washington DC house without showings? Can you request online viewings only?
It is possible to list your home and find a buyer online. Because the housing market is so competitive, more people are willing to make offers on homes without actually seeing them in person. Instead, they’re using online tools to tour the homes.
However, this is more luck than anything. You could find a buyer from out of state who wants to buy your property, but it’s difficult to turn away showings from the start. In order to sell your house, you need to generate as much interest as possible. And this involves being flexible with showings.
Nevertheless, we still have some tips for decreasing the number of showings you have to do. That’s something, right? Let’s dig in.
Promote Your Online Listing
With the competitiveness of the housing market, people are making offers without seeing properties. So, make the most of your online listing by including a video tour and professional photos, as well as a detailed description of your property.
Ask your realtor to include aerial photos, photos of the surrounding area (i.e., clubhouse, playground, swimming pool), as well as any other neat information about your community. By providing this information upfront, you can help people narrow down their search.
That being said, photos alone probably won’t do your property justice. You can’t show off certain features of your property, and this could cause you to get low-ball offers. And, for those who are truly interested in the house, you might end up having to do TWO showings – a virtual showing and an in-person showing. Twice the work for each prospect adds up!
Request Showings by Appointment-Only
Another approach is to request that agents schedule showings by appointment only, and only with pre-approved clients. This may involve obtaining a pre-approval letter from the prospective buyers showing that they’ve qualified for a loan. While you’ll still get your fair share of showings, this narrows it down to the people who can actually move ahead with the sale. It also gets rid of lookie-loos who simply want to view your house with no intention to buy it.
The only problem with this approach is that it limits your exposure. If you want more people looking at your house and making an offer, you’ll need to be flexible with showings – even if the people aren’t pre-approved for a loan. The reality is that plenty of people are pre-approved and won’t actually get the loan, while others haven’t started the process but will have no trouble qualifying.
Offer Virtual Showings
Virtual showings are becoming more popular thanks to technology, and in an effort to protect people from COVID-19. They definitely offer a wide range of benefits, such as being safer, more comfortable and time-efficient. However, you will get a smaller buyer pool, as some people aren’t comfortable purchasing a house without seeing it first.
Also, virtual showings limit prospective buyers. They won’t be able to see certain features of your property or get that “gut feeling” that they’re looking at the right house. Prospective buyers also won’t be able to meet the neighbors or ask questions about the schools, community, etc.
Sell Your Washington DC House WITHOUT Showings!
If you truly do not want strangers coming through your house and looking through your space, consider selling your Washington DC house for cash. 4 Brothers Buy Houses buys properties in as-is condition. We do not request any repairs or improvements, and we waive the inspection and appraisal. Better yet, there are NO showings! We’ll come out to see your property for a few minutes, but that’s it. No cleaning, staging or organizing necessary! Contact us today to set up an appointment.
June 5, 2022
5 House Selling Mistakes to Avoid in Greater Landover MD
Selling a house in Greater Landover MD can be time-consuming and emotionally draining, especially if you’re a first-time seller. Not only do you have to put time and money into cleaning, organizing and staging the property, but also you have to let strangers in to see your home. And as you may have heard (or experienced), prospective buyers can be pretty harsh.
Fortunately, by avoiding the mistakes below and keeping a level head, you can get through the sales process with as little headache as possible. Here are the house selling mistakes we recommend avoiding for a stress-free experience.
Mistake #1: Getting Emotional
Selling a home is an emotional process. This is the place where you’ve lived, raised a family and had many firsts. Because of the strong emotional ties, you might think that your home is worth more than it is, or you might have trouble letting it go. But, try to look at things from a business perspective. Your goal is to sell your property for as much profit as possible.
Mistake #2: Setting an Unrealistic Price
Setting the right asking price is an important part of selling a house in Maryland. Refer to your comparative market analysis to determine a fair asking price. In the current market, you might be able to get away with overpricing your property, but this won’t work in other markets. In fact, pricing your house slightly lower can work in your favor, as it can generate more interest and higher bids.
Mistake #3: Not Taking Professional Photos
Because most people will learn about your house from the internet, it’s imperative that you take professional photos of your property. Professional, high quality photos will help sell your house, while also showing off its best features. To ensure you get the best photos, you’ll want to hire a professional photographer to take pictures.
Mistake #4: Not Staging Your House
Another thing you’ll want to do, especially before taking photographs, is hire a professional home staging service. Many people assume that these are luxury services, but this is not the case. According to HomeAdvisor, homes that have been staged spend 30 to 50 percent less time on the market, as well as receive offers that are 1 to 5 percent higher. For the best chances at selling your home, professional staging is key.
Mistake #5: Hiding Major Problems
Even if you plan to sell your house for cash, you can’t hide major problems from the buyer. An inspection will turn up issues, so you’ll want to address any known problems in advance. If you don’t fix the problem, you can offer the buyer a credit for fixing it. Also keep in mind that you are required by Maryland law to disclose known issues about your property, such as plumbing or electrical issues.
Not mentally or physically ready to go through the home selling process? Sell your house to 4 Brothers Buy Houses. We buy houses in Maryland for cash – and we’ll buy yours too! Contact us today for your free cash offer.
March 10, 2022
The Difference Between a Buyer’s Market and a Seller’s Market
You’ve probably heard a lot about Maryland being a seller’s market, but what exactly does this mean? And how does it compare to a buyer’s market, which we could be facing in the near future?
If you’re planning on selling your Riverdale MD house, it’s a good idea to know what’s going on in your local market. Let’s look at both types of markets, what causes each and how to navigate them with ease.
What is a Seller’s Market?
A seller’s market is when the demand for homes exceeds the supply. When this happens, home sellers typically have the upper hand because things are competitive and they’re receiving multiple offers.
Homes in a seller’s market tend to sell quickly, and often at or above asking price. There’s also less pushback from buyers because they know that they have to act fast, bid high and request little.
There are many factors that lead to a seller’s market, such as:
- Rapid population growth
- Job market growth in the area
- Decreased housing
What is a Buyer’s Market?
A buyer’s market happens when the supply of homes exceeds the demand. This type of market favors home buyers instead of home sellers. Because there is less competition, a buyer’s market typically results in lower home prices and more demanding buyers.
Some of the factors that contribute to a buyer’s market are:
- Increased construction of new homes
- Loss of jobs in the area
- More people putting their homes up for sale
How to Navigate the Two Markets as a Home Seller in Riverdale MD
If you’re planning to sell your Riverdale house in the near future, you will most likely face a seller’s market, which is great news for you! There remains a shortage of homes on the market, and interest rates are still low, which means many people are still house hunting. But, it is possible that things may start to tilt in the buyer’s favor, so it’s important to prepare for both markets.
Selling in a seller’s market
Because this market favors you, the seller, there’s not much you need to do. Review all offers on a certain day and time and accept the ‘best offer’ (not necessarily the highest). You may also want to consider a cash offer because it’s quick and competitive.
Selling in a buyer’s market
If you have no choice but to sell in a buyer’s market, you’ll need to make your house most appealing. Some of the ways you can do this are by:
- Offering to pay the closing costs
- Offering to pay for repairs
- Pricing the house strategically
- Being flexible
To avoid working with difficult home buyers, consider selling your house to 4 Brothers Buy Houses. We are a cash home buying company that buys properties all over Maryland. We don’t charge any fees or commissions, and we’ll pick up most closing costs. Contact us today for a free cash offer on your home! The process will work the same whether it’s a buyer’s market or a seller’s market!
