How We Helped Ivan by Backing Him Up!
“Nothing short of excellent, my expectations were more than met, they were superseded. I used them both for the selling and buying of a new property. The selling of my house one and then buying of a new one. When I was ready to close the prior owner was being very difficult and they were trying to do something that was not ethical. They were holding some papers from me. I told them I was going to call up the team and they stood behind me. They put the commission thing aside and they were really committed to my sole satisfaction.”
-Ivan Carbonell, Home Buyer and Home Seller
Why Hire Jay Day and The Day Home Team
Having been born and raised in the Baltimore area, Jay is a true Marylander at heart. He loves spending time with his family and watching football in his spare time. He is always looking for new adventures and challenges to overcome. As a graduate of Mount Saint Joseph, he learned the keys to success early on. He moved on to acquire his Bachelor's Degree in Psychology from McDaniel College (then Western Maryland College) in 1998.
Jay has always been self motivated and ambitious. He worked up the corporate ladder for several years until realizing he was better suited as an entrepreneur. He soon discovered that Real Estate was his calling and has never looked back.
Within a year of being a Realtor, he began developing The Day Home Team with agents and staff that suit the needs of both the team and our clients. He quickly ranked in the top 1% of Realtors in North America. He has created an efficient and highly successful Real Estate team who collectively bring a wealth of knowledge and expertise about buying and selling real estate.
How We Helped Joed by Finding His Dream Home!
“I got phenomenal results. They were very personable and knowledgeable of the area. They really took the time to understand what we were looking for. They helped guide us through the process to help us find our dream home.
I think the first consult is the first thing that comes to mind. He sat down with me and had my wife on the phone, we were in different states at the time. We walked through our wish lists of wants and needs and helped us truly narrow it down.”
- Joed Carbonell, Home Buyer
How We Helped Cindy by Being Responsive, Understanding, and Professional!
“It was fantastic! They did a great job, they did a beautiful brochure, all of the marketing material was great. I actually ended up receiving a sales price over my asking price. I listed the house twice. I listed it once for personal reasons, took it off the market, and then listed it again. They worked very closely with me and were very understanding on the cancellation of the first listing, and then really helped me out with the second listing. They just did a fantastic job. They’re always very responsive but, in this case they were very understanding and professional in dealing with the cancellation and then re-listing.”
-Cindy McAuliffe, Home Seller
How We Helped Sandy by Fighting for Her!
“The house sold in seven or eight days after we did the initial staging. I think that Christina, our agent, just stuck to the guns and helped me to get through all of the issues and she fought for us. She was there the whole time and helped. In fact, everybody was. The overall experience was just great.”
-Sandy Lynch - Home Seller
How We Helped Holly McCall by Getting the Job Done Fast
"The results were phenomenal because our house sold fast. We had listed with another realtor and the contract ran out. Then we listed with Jay Day and The Day Home Team in November. The house was settled by March 31st. Before they actually got the house listed, they come in and get you ready for the market they go above and beyond anybody I have ever seen before. They send in a stager to help you get your home ready and I never thought I needed to do anything to my house. She told me to move things around and made rooms look so much bigger. I think that was a definite plus for the showings that we had. Their whole marketing program, everything that they do, they put a lot of effort in the beginning and it made everything go smoothly throughout the whole process."
-Holly McCall, Home Seller
How we helped Sara Carbonell by lending our professional guidance.
"The entire team was very professional. In terms of results, I felt like they gave us accurate information upfront in a timely manner to get our home listed and on the market. They did everything very quickly but again it was very timely. I felt very comfortable with that's what they guided us towards. With all that being said, we were able to list our home. We sold it within a day of listing it. They did a lot of "coming soon" marketing ahead of time, which I think was a key to the success.
On our side, we were able to find a home almost just as quickly because of their professionalism and ability to ensure that we found something that met our needs. One of the things Jay did was he met with my husband and I, he had told us ahead of time to do some homework and have a list of our individual needs and wants. We didn't cheat, we didn't look at each others lists, we sent them to Jay separately. That meeting was probably the best meeting we could have had when it came to purchasing a new home. He helped to get us on the same page and ensure that we, as a couple, were going to get something that was right for our family. I looked at that, and I say not every realtor does that. Sometimes they just go off of what you tell them at face value. When you dig into it a little bit deeper, there are some things that are in the grey area that you would accept or not accept when purchasing a new home, but you wouldn't have discovered that without a meeting like that. I think that was above and beyond. Another thing that they did that was above and beyond, that I haven't heard of many other companies doing, they provided a staging company for us for the sale of our home. It was a resource that we took full advantage of, she gave us guidance with what to do, in partnership with Jay's team. Christina helped us with that too, she was excellent. They gave us guidance on what to do to get our house in order for pictures and in showing condition. We did just about everything they guided us to."
Sara Carbonell - Home Seller and Buyer
How We Helped Jason Hedges by Getting the Job Done in a Professional Manner
"The results were absolutely fantastic. They were an absolute pleasure to work with. We engaged them because we had trouble selling this home, it is an estate property. We actually engaged them after dealing with another realtor. They were able to get the job done in a very professional and quick manner. I absolutely loved working with them.
The unique circumstances with this particular sale, being that it was an estate sale, I'm sure they deal with estate sales all the time. The thing that sticks out in my mind is when we needed recommendations they were able to make those recommendations with absolutely no problem. There was an instance where there were some repairs that needed to be done. I asked them and they had recommendations for handy men that were in the area that could make the repairs. Not once did they ever leave me hanging or leave me with any kind of questions."
Jason Hedges - Home Seller
How we helped Bryan Pearre by keeping the ball rolling.
"I was very happy with what they did. They were on top of any questions I had and any showings of houses I wanted to see. They were very quick to respond and setup the showings. Ultimately, I found the house I wanted and things worked out well.
I was having issues with the bank at one point. I was not getting paperwork at a timely fashion. Vance the realtor for Jay Day stepped in and actually contacted the bank and made the necessary phone calls to get the ball rolling again. I don't think that was necessarily his responsibility but he stepped in to get things moving again."
Bryan Pearre, Home Buyer
Common Real Estate Myths in the Maryland Market
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Want to buy a home? Search all homes for sale
Today I have Amy Wolff of Direct Mortgage Loans with me. We’ll be talking about some common myths that you might hear when you’re trying to buy a home.
- Myth: You need 20% down to buy a home. You don’t have to put 20% down, and some loan programs don’t even require a down payment. Each loan program will have different requirements.
- Myth: You need an amazing credit score to get approved. You don’t need an 800 credit score to get a loan. As long as you’re in the 580-600 range, you should be eligible for a few different loans.
- Myth: Your income determines how much you can borrow. Someone who makes $100k per year but has a lot of expenses on car loans or other monthly fees may not be approved for as much as someone who makes $50k but doesn’t have all those outstanding debts.
- Myth: Pre-qualification and pre-approval are the same. This is completely false, and you will need a pre-approval if you want sellers to even entertain your offer. Pre-qualifications don’t really cut it anymore. A pre-approval is much deeper and more trustworthy.
- Myth: All agents are the same. Not all agents are created equal, and not all of them treat their business the same. Our team has some of the top agents in the market and we continue to excel every single day.
- Myth: The seller pays all the closing costs. This is different for every single transaction, and it all comes down to what happens in the negotiations.
- Myth: It's cheaper to rent than to buy. This is absolutely false. For most mortgages, you will pay less monthly than you would if you were still renting. It might be time to stop paying off someone else’s mortgage and start investing in your own future.
- Myth: The asking price is the selling price. You can ask a buyer to pay $200,000 for your home, but that doesn’t mean that someone will pay that amount for your home. This rarely happens, and often times you will get a little more or a little less than that. The selling price is almost always different from the original asking price.
These are some common misconceptions that buyers have about the real estate market. It’s important to understand the truth in order to set the correct expectations when you dive into a real estate sale.
Please don’t hesitate to contact me, interest rates are incredibly low and 2016 will be a fantastic year to buy a home!
How we helped Lisa Bosnjak by making her feel like our top priority.
"The Jay Day Team first sold out our home and then we used them to purchase our next home. When we first contacted Jay Day, our home had been on the market for 14 months and we weren't having any luck. We heard an ad for Jay Day on the radio and got in touch with them because we were very interested in their marketing plan. We took our home off the market and met with Christina a few times and discussed her marketing plan. Once we put our home back on the market we had tons and tons of traffic through the house, so clearly the marketing plan worked. We even got an offer, so it was very successful!
After having such a great experience with Christina, we went with her again when we were buying. We went over expectations of what we were looking for and she found a whole bunch of listings online for us to look at. She took us to a whole bunch of houses but we found a house on the second trip out with her. She took us through buying it and was really flexible with us and our timeline, so now we're in our new house!
Communication was above and beyond. It didn't matter what day of the week it was or what time it was, she would always get in touch with us. Even if she called back to say she's at her daughter's ice skating competition or she was driving somewhere, she would let us know exactly when she was going to be available. Every question was always answered whether it was an email, text, or a phone call. I have no idea how many clients they have, but we felt like we were the top priority. Everyone always paid attention to us, knew who we were, responded to our questions in a timely fashion, and their marketing program really worked. I have no idea how much effort it took for them to do it all, but it really worked!"
Lisa Bosnjak, Home Buyer and Seller
How we helped Angela Denisiuk by being upfront and professional.
"We worked with Christina and she was amazing. She showed up to the first appointment, she was prepared, she had already looked at the comps in the neighborhood, she told us what she needed from us, she walked through the house, and she was very upfront and professional. It was great.
We were only clients for somewhere around six weeks. The house went on the market on a Thursday. We had a fully executed contract within 10 days and we closed three weeks after that. Christina got us $5,000 above what the house appraised at and she was there for us every step of the way. She was the reason the contract went so quickly and we were able to be completely done with the process in literally six weeks. We met with her and moved out of our house all within six weeks!"
Angela Denisiuk, Home Seller
How we helped David Lattimore by working in a tight schedule.
"Long story short, Christina sold our house in a pretty quick time frame. She was really efficient and helpful, sort of pushy with certain things. At the end of the day we were able to find middle ground that helped us get the outcome that we needed. Having our house sell at a specific price and have it sell within a specific time frame because we were having a place built. We needed everything to line up and it very closely did. I don't think we could have asked for it to work out better than it did to be honest. Our builder was facing major delays because of issues that they did not plan for. Our house sold pretty quickly. Christina was able to negotiate a lease back for our place so we could stay there an extra two weeks. She also worked with our builder to figure out different things they could be doing to better our living situation. Just all around she was extremely helpful, mainly with the lease back but also in terms of setting appointments and working around our schedule. We had a tight schedule for when we could do showings and she was aggressive with how much she wanted to show the house. It all worked out pretty well I'd say."
David Lattimore, Home Seller
How we helped Nancy Winfield by keeping her up to date on the sale.
"The process was quicker than I thought it would be. It is a hard time to sell your place. I had sold and moved and was just waiting to get my home sold. I was very satisfied with it, they handled it very well. They worked hard for me because my husband was very ill at the time, in fact he passed away before the place sold. Christina always called and kept me up to date on how things were going and kept moving things along. I appreciated that. She was always in touch so I didn't have to keep calling to see what was going on and that was very helpful to me."
Nancy Winfield, Home Seller
How we helped Joe Hammond by always being available.
"The results were excellent. I sold my town house in what I believe was a reasonable amount of time. They were very helpful along the way, I was very pleased. There were several times where I think they went above and beyond. I needed some assistance throughout the sale and they were always available. I believe they responded back to me in record time and I think they do a great job."
Joe Hammond, Home Seller
How we helped Alexi Marvellis by standing out above the rest.
"First of all, I think Jay is a professional. What I mean by that is, you almost have to hear the way I'm saying it to know what I mean. He's not just a guy who is just professional and nice and friendly and all that. He's professional, meaning his craft is real estate and he is relentless at market knowledge, at dealing with negotiations, and working with local markets. The guy is a professional! We had a really good experience working with him, and I think it goes back to his work ethic, industry knowledge, local knowledge, and his ability to negotiate well. Really, he was stellar in every avenue!
He was able to negotiate lower pricing while getting us the bid from the seller. He did so many things that I wouldn't have been able to do on my own. We were first-time home buyers in the state of Virginia and we weren't 100% of the areas and other prospects, but he excelled in giving us peace of mind that we were making a good investment. Everything he did along the way I would consider above and beyond. His communication was so on point . As someone who is a heavy analyzer, like myself, or someone who just needs more information, I never got the feeling that he had any other clients. I feel like I was just given better service and that has to do with communication and all the many other things that I just mentioned that I think made him stand out above the rest. My wife is in the real estate industry working for a national builder, so she has a lot experience with real estate agents, and she was blown away by Jay Day."
Alexi Marvellis, Home Buyer
Alexi Marvellis, Home Buyer
How we helped Kristen Bauer by always looking out for her best interest.
"I've worked with Jay several times now, both selling and buying homes. I've gotten exceptional results every time. The first time I used Jay, I was trying to sell house on the market for a year and once he took over it was only a matter of months and it sold. I think they do a good job of staging the house when you are ready to sell and also they are pretty aggressive when negotiating a contract. They always look out for the best interest of the client instead of just wanting a deal done so they can make their money."
Kristen Bauer, Home Seller
Kristen Bauer, Home Seller
What Mistake Could Cost You the Home of Your Dreams When Buying in Maryland and Southern PA?
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Want to buy a home? Search all homes for sale
The pre-approval process is huge when you’re considering buying a home. If you start looking at homes before getting pre-approved, you’re setting yourself up for failure. It’s a simple, easy process that can save you a lot of trouble!
When you get pre-approved, a lender will take a look at your employment history, your tax returns, and other financial statements in order to give you a letter that tells the seller what you can afford. This letter allows you to act quickly once you find a home in your price range and are ready to make an offer.
We’ve seen buyers go out and find the perfect home, only to realize they couldn’t afford it when it came time to make an offer. A pre-approval makes you a serious and trustworthy buyer in the eyes of the seller, and it helps to ensure you don’t waste your time looking at homes you can’t afford.
If you’re looking to buy, give us a call or shoot us an email so we can start the pre-approval process. It’s quick and easy, and it will get the buying process off to a great start! We look forward to helping your soon!
How Much You Need for a Maryland and Southern PA Down Payment
Today, Amy Wolf of Direct Mortgage Loans joins us to discuss how much money it takes to purchase a home in today’s market.
If you plan on buying a home, you really don’t need to have a whole lot of money to put down. Every program is a little different depending on the area you want to buy in and the price point, but there are many houses you can get into with little to no money out of pocket!
If you’re not planning to buy in a city center and would rather live in a rural area, you can take advantage of 100% financing from the USDA Rural Housing Loan. You can use this loan in the majority of Frederick County, Washington County, and Southern Pennsylvania. Every county has different rules, so the best way to see what you qualify for is to have a lender take a look at your finances.
The USDA Loan isn’t the only great option out there. The most popular loan, the FHA Loan, allows buyers to get financing with only 3.5% down! There are no income limits on this loan, so just about anyone can qualify. There are also conventional loans going for as little as 5% down! If you need additional help, there are various programs designed to help you get the money necessary for a down payment.
It is no longer required to have a 10% to 20% down payment in order to purchase a home! If you’re thinking about buying the home, there’s no reason to wait any longer! Please don’t hesitate to reach out to us if you need real estate assistance of any kind. If you would like to speak to Amy directly, you can reach her at (433) 541-5545.
How we helped Mark Miller by being quick and efficient
"Quick and efficient and easy on my part. I live in Missouri and they were selling a house in Maryland for me, I was the estate representative. After one initial face to face meeting they literally took care of everything on the Maryland side, as far as locating contractors to repair some termite damage. They managed the whole process for me and literally all I had to do was take care of a few authorizations over the telephone and internet. I only met them one time face to face."
Mark Miller, Home Seller
Are Interest Rates on the Rise in the Maryland and Southern PA Marketplace?
Want to sell your home? Get a FREE home value report
Want to buy a home? Search all homes for sale
Want to buy a home? Search all homes for sale
Today, Amy World of Direct Mortgage Loans joins us again. This time, we discuss current market conditions and the state of interest rates.
Interest rates are currently incredible. While the exact rate depends on the person and the program, as a whole they are historically low. These low rates provide many options for buyers and sellers alike in our area.
Right now, there isn’t much inventory available in Maryland and Southern Pennsylvania. However, a lot of the homes that have been on the market have been listed for a long time. This means that, despite the small selection, you have some leverage when buying. If you wait until spring to start looking, you’re only making it harder on yourself; once spring rolls around, there will be hoards of buyers to compete with. In the current market, that means you’ll probably find yourself in a multiple offer situation.
If you would like to see what kind of financing you are eligible for, or if you want to get pre-approved now so you’re ready to buy in the future, please don’t hesitate to give Amy a call at (433) 541-5545.
How we helped Dan McMahon by being honest and straight forward.
"Communication between them and I was great! Anytime they had someone interested they would text me about it, text me the results of what they thought about it. I thought they did a fine job. They were one of the only real estate companies that came in there an didn't try to blow smoke. They were honest and straight forward about what the house was worth and what they thought it would sell for. That is pretty much what it sold for! They also made it very convenient for me to do all the paperwork."
Dan McMahon, Home Seller
How we helped Vanessa Johnson during a difficult time
"I was overwhelmingly happy with the results. I worked with Christina and I couldn't ask for a better realtor. I was referred from a friend who heard their commercial on the radio. I called them and told them my situation, that my mom had passed and I needed to sell the house. Christina was very positive and had a plan for what to do. The whole thing started in mid January and by June I was at closing. The house went on the market in March and everything happened so fast. It was beyond and above what I thought could've happened given the situation I was dealing with my moms death. Christina stepped in and helped out and was the middle man in all the dealings. The whole Jay Day Team was awesome!"
Vanessa Johnson, Home Seller
How we helped Clifton Freeman by making it convenient and explaining everything with the sale
A family member of mine knew someone who worked with them in the office. Christina came out and talked with my aunt and myself. They worked with us all they way through. This was new for my aunt, her being 83 and had lost a husband and needed to sell her house. They were very sensitive to the situation. Christina made sure we scheduled showings at a time that was convenient for my aunt. We asked that most of them be scheduled in the afternoons and Christina had to reschedule a couple because people wanted to come earlier. Christina also came out and explained everything to my aunt a couple times just to make sure she understood everything with the sale. It was a good experience!
Clifton Freeman, Home Seller
Clifton Freeman, Home Seller
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