Sell Home with PAM COVEY: 2013

Saturday, December 28, 2013

Prepareing Home For Sale

OVERPRICING

Frankly, the price is the most important factor in getting your home sold, especially with other underlying economic factors affecting consumer confidence. One of the best ways to prevent your home from selling quickly, or at all, is to list it at a price that the market will not bear. Most people don't like to overpay for any kind of purchase, never mind the purchase of your home. Pricing a home properly

This is a sensitive issue for most people, because we tend to get emotionally involved with our homes. Many people think of their homes as an extension of themselves and their lives. This is partially true, because our homes are the places where some of the most important events of our lives occur: the baby's first steps, holidays and time with family, cooking and family meals.

While this attitude is understandable, when it comes time to sell your home, it's necessary to take a different view. A home sale is a business transaction. Your home, which you value so highly, and may even still somehow see as "basically new," will not be seen as such to potential buyers who are looking for a home in excellent condition, in a good location at a reasonable price.

Keep in mind that market value is determined by what a motivated and qualified buyer is willing to pay for your home, not simply what you feel it should be worth. Carefully looking at comparable sales data is very important.

NEGLECTING NECESSARY REPAIRS

I have had clients who want to get everything perfect before selling, which is a problem in and of itself, but more often as agents we see deferred maintenance items on homes that we Massachusetts Home

are looking to list and sell.

"What the heck is deferred maintenance?"

What this means is that sellers are saving money in the short-term by allowing things to remain broken, but when it's time to sell, it's time to fix these items. It's probably best to put yourself in the buyer's shoes for a moment - would you like to buy a home with problems that the seller refused to fix? Perhaps if it was priced well under market, but otherwise you wouldn't. Homes that are in poor shape tend to get severely penalized when it comes time to sell.

Another common trait among sellers that I have worked with over the years is the idea that you have negotiated a fair price, so the buyer shouldn't ask for any repairs. Again, put yourself on the other side of the deal. Most buyers today want the right price AND the right condition. Of course on the other side of the coin, a good Realtor is there to protect your interests as well. As a home seller the last thing you want is a 2nd round of negotiations after the home inspection for items that were clearly visible prior to the inspection. In other words we won't be negotiating about the old carpets in the bedrooms or the stained bathroom ceiling that clearly were seen when the buyer made an offer!

NEGLECTING TO STAGE YOUR HOME

This one is certainly more difficult in some cases than in others. Every once in a while, I see homes that Stage your Metrowest Massachusetts home

are "showing ready", but usually they need some help preparing to show. First and foremost, de-clutter! You may be able to throw away a lot of things, or you may need to rent a storage unit, or both if you are in a serious clutter zone. Regardless, this is an absolute necessity in a competitive market. Your agent can usually help with some good ideas, or you may wish to hire a professional home stager (recommended if you can find a good one who is reasonably priced).

As a side note, you want to make your home as neutral as possible, in order to appeal to the broadest spectrum of buyers. Home builders have known this for years, which is why they hire professional decorators to assist with the design and staging details. You want to eliminate any odd decor items that may appeal to your unique sense of style, but which may appear strange to buyers. Crazy paint colors do not help home sales and can often times prevent them with buyers who do not have vision. Earth tones always work well.

GETTING HUNG UP ON SMALL STUFF

I have worked on a few Real Estate sales over the years that had minor issues, yet the sale was almost blown over something that may have cost $500.

When you are selling your home, keep the big picture in mind rather than allowing yourself to get hung up on something small. Is it really worth blowing your sale over something small or over a cheap repair?

TURNING A BUSINESS ISSUE INTO AN EMOTIONAL ISSUE

As I mentioned above, a home sale is really just a business transaction, although it can often be difficult to make this distinction when you have so much of yourself invested in your home. I have had a number of occasions when my clients did not personally like the people buying their home, but I have to gently remind them that they will not have to deal with them very long, and then they can move on with their lives. Don't allow your emotions to prevent you from getting your home sold. If you don't like the buyers, it really doesn't matter, as long as the terms are agreeable.

Keep the big picture in mind and move forward.

TRYING TO SELL IT YOURSELF

Nationally, over 80% of the homes listed "for sale by owner" end up listing the property with an agent. Clearly, this is a very low success rate. To be sure, there are exceptions, such as when you are in a VERY hot area with good drive-by traffic. Statistically, you actually stand a better chance of opening a new restaurant than you do of selling your own home.

If you do decide to "go it alone", keep in mind that you are responsible for screening everyone that sees the house, and for being available during the day for showings. You also need to familiarize yourself with the offer and purchase and sale contracts. Add to this the relatively new challenge of tighter mortgage guidelines (Can this buyer truly qualify to buy the home?).

These are all details that your agent can and will handle for you.

CHOOSING THE WRONG AGENT TO REPRESENT YOU

If you choose the wrong person to list your home, this is something that is difficult to overcome during the sales process. If the agent has a bad, pushy or argumentative personality, no matter how experienced they are, RUN the other way! Having a dishonest agent is another terrible situation to be in as a seller.

Some agents will mislead you by giving you an inflated value for your home in order to get you to list the home with them, or they may try to scare you into thinking that your home won't sell at all unless you drop the price dramatically.

Primarily, you want someone who is friendly, loyal, honest, and who has your best needs in mind. Knowledge of the market is very important - make sure you understand what homes you are competing with and which homes have recently sold. The homes sold being the most important.

Lastly, an agent with good marketing skills is worth their weight in gold. Make sure the Realtor you choose knows how to market your home online - This is critical. When interviewing a Real Estate agent Google their name. You should see pages and pages of results. If not you may want to continue to look elsewhere...Why? If a Realtor does not know how to market themselves, how could you possibly expect them to do a good job marketing your home!

See why a Massachusetts Home Expires for detailed explanation of what to avoid as a home seller and picking a top producing Realtor.

NOT TRUSTING YOUR AGENT (unless it's the guy above)

Now that you have hired the CORRECT agent, trust them to do their job, unless you are given a strong reason to think otherwise. This includes allowing the agents to communicate on your behalf, rather than attempting to speak directly with the buyers. In some cases, it is necessary or even advisable for this to occur, but usually it doesn't help matters, especially during the negotiations.

In addition to selling lots of homes, I have watched a bunch of the home-selling shows on TV, and time and time again, I am able to predict the outcome (price, problems, etc.). This comes from experience, and it is something difficult to teach or to learn from a book. Trust that the advise your Real Estate agent gives you is solid, as this is what they do every day.

SELLING AT THE WRONG TIME

Selling with bad timing can happen at least three different ways:

a. you are selling and you don't know where you are going, Selling a home at the home wrong time

b. you put your home on the market immediately before you have to move, or

c. you are selling at the wrong time of year.

If you have no idea where you are going to buy next, it's probably not great to put your home on the market, unless you simply cannot afford your home anymore. The inevitable outcome of listing too soon is that you will receive an offer from someone who wants to move in right away, and you are forced to either reject the offer or move to temporary housing, then move again when you find the right home. If you are like me, you don't enjoy moving, so why put additional stress on yourself?

If you are building a home with a particular time line in mind, or if you are starting a new job and you have some time to prepare, don't wait until it's too late to get your home listed. You don't want to leave the home vacant or worse have two house payments while you are trying to sell. It's never too early to contact an agent and ask when you should list, with your particular needs and timing.

We sometimes have clients who spend too much time getting their homes ready to sell, and they miss the big selling window in our market. Don't spend an inordinate amount of time preparing your home and end up missing the primary selling season in your area. Here in Massachusetts the best time to sell a home is in the Spring.

NOT GIVING POTENTIAL BUYERS ACCESS TO YOUR HOME

This is a critical point: buyers DO NOT work around your ideal schedule. If it is a reasonable time of day (i.e. you are awake and most normal people also are), LET THEM LOOK. Even if things are in disarray, LET THEM LOOK. Even if the buyer's agent doesn't give you any notice, LET THEM LOOK. Although I always try to prepare for showings the day before they happen (or at least several hours ahead of time), there are times when a buyer will spot a sign and ask about a particular home that is not on the list. Sometimes, they buy this home. Keep that in mind when you have your home listed.

Another good point which warrants mentioning here is to get out of the house when buyers are looking. Preferably, this means going for a walk or going to run errands, but at the very least, go outside and give them some privacy while they are looking with their agent. Buyers never feel at ease when you are in the home hovering around them. LET THEM LOOK on their terms. If you are concerned about valuables, lock them up somewhere. Most importantly a lock box is highly advisable! Don't make a Realtor NOT want to show your home.

BUYING THE WRONG HOME IN THE FIRST PLACE

This is another area where having a good agent comes into play. A good quality agent will advise against you from buying something that is not a wise decision (near a hazardous waste site, close to a loud highway, etc.). If you can make a smart decision on your purchase, when it is time to sell, you will be much happier. You can't change the location of your home once you have made the purchase.

If you are thinking about selling your home or wonder how much your home is worth, contact me. If you have friend and family member that is interested in buying or selling thier home, please keep me in mind! cell: 302-290-1375 office 302-631-1648 e-mail pam.covey@foxroach.com

Buyer Settlement Cost Worksheet

Listed below are the most common charges a buyer incurs when purchasing property. Keep in mind that costs will vary from property to property and not all are applicable in every transaction. However, do I recommend that you use the list to track those items that do apply, so you can estimate the costs you’ll face at settlement. If you’re not sure about which apply, just ask.

Transfer Tax at up to 1.5% of sale price
Mortgage Application Fee
Mortgage Origination Fee
Mortgage Discount Points
Mortgage Doc Prep Fee
Termite Inspection and Certification
Home Inspection
Well/Septic/Swimming Pool Inspections
State and County Property Tax prorated daily
Water and Sewer prorated daily
Condo Fee prorated daily
Fuel/Oil Tank reimbursement
Home Warranty
Tax Certification Fee (real estate & sewer)
Use & Occupancy Certification
Septic Certification/Well Certification
Condo Resale Package
Attorney’s Fee
Escrow Set-Up Fee
Survey and Appraisal
Federal Express and/or Wire Transfer Fee
Title Insurance
Home Owner’s Insurance
Other: __________

Real Estate Closing Cost in DE

Purchase
New Castle, Kent, & Sussex County
City Deed Transfer Tax= 1.5% of the sales/purchase price.
Buyer and Seller split 50/50

State Deed Recordation Transfer Tax= 1.5% of the sales/purchase price.
Buyer and Seller split 50/50

The Lender is not allowed to charge borrower a 'processing fee'.
If refinancing with cash-out, there are no recordation taxes charged on the new money.

Delaware Title Insurance rates

Title Insurance, owner's and lender's eagle policy
up to 100k	$4.20 per 1,000
100k to 1 million	$3.60 per 1,000
$100 minimum premium
$25 simultaneous issue fee must be added

Lender's Title Insurance only
up to 100k	$3.00 per thousand
100k to 1 million	$2.40 per thousand

Typical settlement company will charge the following:

Buyer
Settlement	$200
Title Exam	$300
Title Binder	$125
Recording- Deed	$34
Recording- Mortgage	$214
Survey (if needed)	$500- $800
Archive and FedEx	$28

Seller
Settlement	$200
Document Preparation	$200
Archive and FedEx	$15

Refinance
Settlement	$300
Title Update	$175
Title Binder	$125
Document Preparation	$25 per release
Recording- mortgage	$214
Survey (if needed)	$500- $800
Archive and FedEx	$47

Home Equity Loans, Second Trusts
Settlement	$150
Title Update	$175
Title Binder	$125
Doc Prep	$25 per release
Recording	$34
Archive and FedEx	$32

Thursday, October 31, 2013

Building Your Credit Score

How to Build Your Credit from Nothing in Six Simple Steps

If you pay your bills on time and have been financially responsible, but have never had a credit card or taken out a loan, your credit history is a blank slate. Lenders use your credit report to make decisions about whether or not to give you a credit card, what that card’s limit should be, or to grant you a loan. But with no credit history, there’s no record of how you would manage debt. The result: many creditors won’t lend you money no matter how responsible you may be. Here, the team at Quizzle tells you how to build credit from no credit in six simple steps.
Time for a Secured Credit Card
A secured credit card functions like a “normal”, or unsecured credit card with one exception—the credit card company requires you to put down a security deposit. Typically $300 to $500, this security deposit assures creditors that you will, indeed, pay back the money you borrow. Often, the credit limit on your secured credit card mirrors the amount of security deposit or a percentage of that amount.

Don’t confuse a secured credit card with a debit card. Banks do not report your debit card usage to the three credit bureaus because your debit card is attached to money in your bank account—it is not an extension of credit from a lender.

However, creditors will report secured credit card activity to the credit bureaus because your secured credit card, even with your security deposit, is an extension of credit. When you use it your purchases are not deducted from your security deposit. Instead, when you buy something with your secured credit card you will be expected to repay that money to the credit card company. Again, your security deposit is insurance for the lender because you don’t have a credit history. But, and this is the important part, the use of this secured credit card will affect your credit score, so make sure you pay your bill on time, every time. If you don’t pay it on time it will negatively affect your credit score.

Don’t Spend More than You Have
The most important part about building credit is demonstrating you can pay back the money you borrow to prove to creditors and lenders you consistently and responsibly manage debt. This is why you should start small. The amount you charge matters little compared to your history of paying on time. No matter the amount, pay your debt on time and you will start to build credit. Our advice—only charge purchases you can afford to pay off in full at the end of every month.

The real bummer is that it’s just not enough to open a secured or unsecured credit card and just let it sit. If you don’t use your credit card, you’re not showing your lender or the credit bureaus that you can borrow and repay consistently. To make it a habit, without getting yourself into trouble, make one or two small purchases with your card each month like a tank of gas or inexpensive meal. For the best results, try no to charge more than 50 percent of your total limit each month as this also will negatively effect your credit score.

We Can’t Say it Enough—Pay On Time, Every Time
In the end, people make credit out to be more complicated than it probably needs to be. The best thing you can do to maintain and build your credit to obtain a solid credit score is to pay off your bills on time, each month, no exceptions. One late payment can significantly damage your credit score, especially when you’re just getting started.

Avoid Applying for Numerous Accounts
Another conundrum in the credit world is that each time you apply for a credit card or a loan, you credit score takes a small hit. Now, when you need to borrow or acquire a new card you can recover from this small hit, but if you repeatedly apply for those “dime store” credit cards at target or your favorite clothing outlet, the small dings grow into a large dent.

Watch Your Credit Report and Score
Now that you have acquired your secured credit card and have been making purchases and paying them off consistently for six months, its important to monitor your progress by checking your credit report and score. Checking your credit report does not affect your credit score, so don’t be afraid to check it as often as you would like. At Quizzle, we have tools to help you better understand your report, the elements that make up your score and we provide tools that help guide your behavior to build better credit and potentially improve you score. And the best part, it’s totally free.

To take a peek at your credit report and score for free, check out Quizzle.com. Quizzle’s the only site that will give you both for free, no strings attached, no credit card required.

Get Your Unsecured Credit Card
After a full year of making timely payments you should now have enough to demonstrate to creditors that you are ready for a regular credit card with no security deposit. Unsecured credit cards will likely come with higher limits and perks like reward points, but remember, never charge more than you can afford. Building credit takes time and patience, but ruining your credit can happen rather quickly if you start skipping payments or owing to much from month to month.

A year may seem like a long time to have to wait, but building credit takes patience. Just remember that credit helps you get what you want. Whether it’s buying a home, leasing a car, purchasing insurance or even starting a small business, credit is doing to help support the kind of life you want to lead so be responsible with your new superpower.

For more tips and tools to help you manage your home, money and credit—including the most affordable credit monitoring on the web and complete identity theft protection—visit Quizzle.com.

Quizzle is a website that provides you with important information about your credit—starting with your credit report and credit score—as well as the tools you need to improve or monitor it, so you can make smart financial decisions. They also show you how your credit impacts your personal finances and give you personalized tips and tools to help you manage it.

If you are thinking about selling your home or wonder how much your home is worth, contact me. If you have friend and family member that is interested in buying or selling thier home, please keep me in mind! cell: 302-290-1375 office 302-631-1648 e-mail pam.covey@foxroach.com

Monday, October 28, 2013

10 Deadly Mistakes Buyers Make When Purchasing a Home

Mistake NO. 1
Choosing a Real Estate Agent who is not committed to forming a strong business relationship with you.
HERE’S HOW TO AVOID IT
Making a connection with the right real estate agent is crucial. Choose a professional who is dedicated to serving your needs – before, during and after the sale.

Mistake NO. 2
Making an offer on a home without being pre-qualified
HERE’S HOW to AVOID IT
Pre-qualification will make your life easier – take the time to talk with a bank or mortgage representative. Their specific questions with regard to income, debt and other factors will help you determine the right business model for your investments. It is one of the most important steps in developing a strategy for creating wealth.

Mistake NO. 3
Not knowing the total costs involved.
HERE’S HOW to AVOID IT
Early in the investment process, ask your real estate agent or mortgage representative for an estimate of closing costs. Title insurance and lawyer fees should be considered. Pre-pay responsibilities such as homeowner’s association fees and insurance must also be taken into account. Remember to examine your settlement statement prior to closing.

Mistake NO. 4
Limiting your search to ads or the internet.
HERE’S HOW to AVOID IT
Many homes listed in magazines or on the internet have already been sold. Your best course of action is to contact a real estate agent. They have up-to-date information that is unavailable to the general public, and they are the best source to help you find the home you want.

Mistake NO. 5
Thinking there is only one type of investment strategy out there.
HERE’S HOW to AVOID IT
Buying a home is a process of elimination, not selection. New properties arrive on the market daily, so be open to all possibilities. Ask your real estate agent for a comparative market analysis.

Mistake NO. 6
Not considering long-term needs.
HERE’S HOW to AVOID IT
It is important to think ahead. Will your home suit your needs 3-5 years from now? How about 5-10 years?

Mistake NO. 7
Not following through on Due Diligence.
HERE’S HOW to AVOID IT
Make a list of any concerns you have relating to issues such as crime rates, schools, power lines, neighbors, environmental conditions, and resale value. Ask the important questions before you make an offer on a home. Be diligent so that you can have confidence in your purchase.

Mistake NO. 8
Not having a home inspection.
HERE’S HOW to AVOID IT
Trying to save money today can end up costing you tomorrow. A qualified home inspector will detect issues that many buyers can overlook.

Mistake NO. 9
Not examining insurance issues.
HERE’S HOW to AVOID IT
Purchase adequate insurance, including buyer’s Title Insurance. Advice from an insurance agent can provide you with answers to any concern you many have.

Mistake NO. 10

Not purchasing a home protection plan.

HERE’S HOW to AVOID IT

This is essentially a mini insurance policy that usually lasts one year from the date of sale. It usually covers basic repairs you may encounter and can be purchased for a nominal fee. Talk to your real estate agent to help you find the protection plan you need.

Oh! By The way, I am never too busy for you and any of your referral!

Saturday, July 20, 2013

Why Most Real Estate For Sale by Owners (FSBO) Failed?

For sale by owner Metrowest Massachusetts

Why Most Real Estate For Sale by Ower(FSBO) Failed?

One thing that makes the world go around is the desire to save money. Everyone likes to save a few bucks. In Real Estate saving a commission translates into big dollars. It is hard to blame anyone for wanting to save the type of money that is made when a Realtor sells a home or condo.

While commission rates are negotiable, in most areas around Delaware someone selling their home will more than likely be paying a Real Estate commission between 4%-6% on the sale price of the property.

On a $400,000 home a commission of 5% is $20,000. There is no question that is a lot of dough! Selling a home for sale by owner is not an easy task and that is why most people end up using a Realtor. Nationally the success rate of a for sale by owner (FSBO) is very low. Over 80% of all FSBO’S end up listing with a Real Estate agent. Why is going the for sale by owner route so difficult to pull off? There are a number of reasons why selling a home on your own is a hard thing to make happen.

The Wrong Price

It is the most critical element when selling any product but especially so when you are talking about something as large as a home sale. Over 75% of a homes marketing is about setting the proper price. Homes that are listed with a Real Estate agent and are overpriced stand a slim chance of selling. Overpricing as a Delaware for sale by owner (FSBO) makes it next to impossible!

Many sellers seem to either do their own market research and end up choosing the wrong price or have a Realtor help them with appraising the property and ignore their advice. If more for sale by owners priced their homes based on comparable market data there would be a higher success rate. Doing extensive research of what like homes in similar neighborhoods are selling for would got long way!
Often times people want more money for their homes because they have done some kind of recent
improvement. Unfortunately many projects for the home do not have a high return. For example if you replaced a roof, a septic system, or added a pool don’t expect to see much payback on the money you invested.

Lack of Exposure

Some for sale by owners do nothing more than throw an old beat up for sale by owner sign in the front lawn and expect that will do the trick. Then there are others that think that going in one of the for sale by owner sites like I sold my house.com, for sale by owner.com or buy owner.com is going to bring lots of traffic. WRONG!

These sites generate a pittance of Real Estate traffic in comparison to the sites some of the top web savvy Realtors use to promote homes. Their sales pitch is always “we will give you world wide exposure and save you thousands of dollars!” This could not be further from the truth. Just go to Google or any other major search engine and type in a local search with Real Estate keywords a buyer would use.

Things like your town, state and homes for sale. Using Newark,DE as an example homes for sale. Do you think a for sale by owner site is going to come up in the results? Not a chance! Go ahead and try it with your town. It will be dominated by sites that show homes listed by Real Estate agents. These

FSBO sites promise the world and deliver empty promises the majority of the time.

A Realtor that knows their way around proper internet exposure can change the traffic going through
a home exponentially when compared to a FSBO site. Take a look at the New Castle county, DE Real Estate I provide all my seller clients. There is absolutely no comparison what this kind of internet exposure can do when compared to a for sale by owner website. The cold hard facts are thousands of buyers will not even know a FSBO home is for sale.

Buyers Want to Save the Commission

One of the other factors associated with selling a home by owner is the fact that many of the people viewing the home are going to want to share in the commission savings. Many of the potential buyers who will be looking at for sale by owner homes are bargain hunters. The line of thinking is that since the seller is not paying a commission they should be able to offer less for the home. Sellers end up receiving low ball offers on many occasions. Buyers will often take 5% right off the top regardless if the home is priced well or not.

Home Accessibility and Buyer Qualifications

These last two reasons are often overlooked by someone trying to sell their own home. It is hard to sell a home if a buyer can not get in to see it. Often times when a FSBO is trying to sell they need to match their schedules with the buyer which sometimes is not that easy especially for those that work full time. A Realtor of course makes this part of the home sale process go much smoother. Lastly, home sellers need to be equipped with the knowledge of knowing how to qualify potential buyers. There is no point in having unqualified foot traffic going through a home. This is also part of a Realtors job. Most buyers that view homes today are pre-approved. As a FSBO you need to make sure that the same holds true when showing your home.

If you can sell your home on your own all the power to you! You will be in the minority but you can make it happen! Above all else remember how important pricing and market exposure is to your home selling success.

If you are are Delaware for sale by owner and find you do want the help of a Realtor, I would
welcome the chance to be interviewed.

Friday, July 19, 2013

Get to know Delaware and New Castle County

Get to know Delaware and New Castle County

Delaware is the first state in the US and well known for no sale tax state, residents also enjoy a lower cost of living. In addition, the state's northernmost county offers everything from world-class attractions and top-notch universities to its own minor-league baseball team, plus more than 10,000 acres of parkland, including a 3,300-acre state park. Local festivals, farmers' markets, historic house tours, art exhibits and concerts keep your calendar full.

Delaware has 3 counties, New Castle, Kent, and Sussex.

New Castle County is conveniently located on I-95, midway between New York City and Washington, DC. Philadelphia International Airport is just 25 minutes from Wilmington and over 80 trains including Amtrak's high-speed Acela Express stop at the Wilmington station every day.

New Castle County is considered part of the Philadelphia metropolitan area.

It is the northernmost of the three counties of the U.S. state of Delaware and has two largest cities in the state, Wilmington and Newark.

Wilmington is the largest city in Delaware, and is located on Christina River and Brandywine Creek, near where the Christina Flow into the Delaware River. There are 71,305 people. Wilmington so unique is its rich and diverse neighborhood. Wilmington combines the amenities and excitement of big-city living with the peace and charm of a small town. The exceptional quality of life has attracted many corporations to the State. More than 50% of the publicly traded companies in United States and over 60% of the Fortune 500 are incorporated in Delaware. Also, It a home of the DuPont industry who have been known as gun powder and chemical industry.

Newark is 12 miles from west-southwest of Wilmington. There are about 31,454 people in in Newark and it is a home of the University of Delaware. Newark has lots of highways, and huge swaths of suburban housing neighborhood are all over this area. It is just a few minutes to the border of Elkton, Maryland. Many home owner live in Newark and commute to work in Wilmington, Maryland and Pennsylvania.

When it come to make a decision where to live, you have to weight which is more important to you weather location, school system, city, suburb or country. Each town has it own unique.

I am here to help you!

If you are thinking about selling your home or wonder how much your home is worth, contact me. If you have friend and family member that is interested in buying or selling thier home, please keep me in mind!
cell: 302-290-1375 office 302-631-1648
e-mail pam.covey@foxroach.com

Refference information: http://www.visitwilmingtonde.com