We list and sell properties through the numerous Multiple Listing Service organizations to which we belong. Unlike many brokers who are members of one local region's MLS, our reach is far broader, from the Catskills to the Bronx.  Therefore we can expose your property not only to the maximum number of prospective buyers, but to close to 10,000 active agents using the same MLS's to find properties for their buyers. We also employ very aggressive marketing techniques in order to drive more qualified and ready-to-buy prospects to your property's front door.

Zero/Low Down Payment Mortgages

The biggest obstacle to buying property for most people is the perception of needing a 20% or 30% down payment. The fact is there are dozens of programs available for owner-occupants and investors to not only finance up to 90%, 95%, or 100% of the purchase price, but also allow for reduced documentation or stated income if you are self-employed or in other situations where full income documentation is difficult. How much property would you own if you could pay ZERO down? Let us help you find out.

Buyer Agency

Buying property without a buyer agent can be compared to going to court without an attorney representing you. Your buyer agent must advocate for your interests in negotiations, be loyal and maintain complete care and confidentiality, disclose all that can be used to your advantage, and save you significant money. Too often, buyers call in response to an ad or sign to speak with the agent listing that house for the seller, then end up buying property through that broker instead of with someone who will represent them. Buyer agency costs you nothing, and our Preferred Buyer Program highlights the money-saving advantages that make the process of buying a property smoother & headache-free.

Credit & Bankruptcy Issues

This is one of the most misunderstood issues among American consumers today, which unfortunately prevents those who might otherwise buy a home or investment property from acting. In many cases, people who have had a year or more pass since their bankruptcy discharge CAN buy a home. Moreover, those who have had bumps and bruises on their credit can easily become homeowners with a little smart work. Dealing with credit issues and helping those who otherwise would not qualify for a mortgage opens up an entire segment of the market to sellers looking for buyers. Our experience in helping remedy tough credit problems and obtaining financing for the hard-to-qualify makes us a valuable asset to all our clients.

1st Time Home Buyers

First time homeowners have special needs that are similar to investors' needs. They seek the right property for them, have concerns about obtaining a mortgage and affording monthly payments, need to know about closing costs, and require guidance regarding negotiating. They also need coaching on finding the best terms to fit their needs. A property's condition is a concern, so they'll need help dealing with inspections and structural issues. Hidden costs are also a source of worry, as well as the fear of making expensive mistakes. Our experience will save our clients money.

Foreclosure Solutions

We have helped stop foreclosures and we may be able to help you also. Whether you are just a week away from being auctioned off, or you've just missed your first payment, we have a multi-faceted approach for tackling foreclosure problems. People in this predicament are often preyed upon by unscrupulous investors without a real estate license who either exploit or otherwise treat homeowners unfairly. We are licensed brokers with a team of attorneys, investors, and contacts in the mortgage industry who can be of help, and understand that this is an extremely stressful time for you. Do not act rashly to relieve what must feel like tremendous short-term pressure! Talk to your attorney, and also talk to us --e can help!

Property Income & Expense Analysis

We can generate an analysis of a property's income & expenses. This is the single best way to sell an investment property, and for a buyer to decide if a property is right for their needs. Too often, this is something agents and even sellers cannot provide.  Let J. Philip Real Estate's experience & expertise assist you with this analysis.