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Top 10 Ways to Make Your Home Sell Faster – Complete Guide

20 Monday Oct 2025

Posted by Jennifer Hanley in Uncategorized

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55+ communities, Buying a home, downsize your home, downsizing, empty-nester, experience matters, first-time homebuyer, homes for sale in Jacksonville FL, Jacksonville FL Real Estate, Jacksonville FL real estate agents, Jacksonville Real Estate, luxury, luxury homes, New Construction, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, right sizing, right-sizing, sell faster, sell your home, sell your home faster, Selling a home, spruce up your home, The best real estate agent in Jacksonville, Top 10 Ways to Sell Your Home

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The devil is really in the details when buyers look at a home. Lots of everyday wear and tear that you don’t even notice can ding your home in the eyes of potential buyers. Here’s the Hanley Home Team’s list of ten simple improvements you can do to help your home sell faster:

1. Spruce up your baseboards: Pets, kids, and stumbling husbands in the dark can make a mess of your baseboards. Repainting baseboards after repairing scratches with putty can make the border of any room look new.

2. Fill in nail holes: Part of interior repainting should be careful attention to those errant nail holes from pictures, shelves, and other wall-mounted baubles. Putty, smooth, sand and paint!

3. Sniff for smokers: Filter replacement is a must if someone’s been puffing in your home. Also wash down those walls, prime them to seal in any cooked-in nicotine, and repaint. Be sure to check entryways and lawns for cigarette butts, too!

4. Review the roof: Do you have missing shingles? Broken tiles? Is mold and moss sprouting up there? Do some cleaning and spot replacing.

5. Reinforce your gutters: Clean them out, dry them out, then caulk them to prevent leaks. This will keep water off the siding, reducing staining and damage.

6. Replace bad vinyl floors: Not only are they tacky when they’re cracked or cut, but they can suggest water damage to buyers.

7. Repair dripping faucets: Buyers will turn faucets on and off. What will they find? If your sinks and baths dribble, fix them before buyers imagine their future headache.

8. Tune up screens: Did you have a dog that liked to lean against the front door? Look for the sagging, hanging, bent, and bubbling screens, especially around doors. New screens look clean. Old screens suggest neglect.

9. Patch cabinet scratches: Tibet Almond Stick, Old English Scratch Cover, or even some artful re-staining can make cabinets seem new. Remember to polish them up when you’re done!

10. Reseal wobbly toilets: If the bowl moves when you sit on it, the bolts are rusted, or the bathroom floor is damp and discolored around the commode, replace the toilet or at the very least reseal it.

By the way, you can also use our tools and vendors to help you sell faster, too!  Get in touch today. http://www.HanleyHomeTeam.com – Kevin and Jennifer Hanley, REALTORS – The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside 904-515-2479

Don’t Buy a Car Before Closing on Your Loan (or furniture or open a credit card!)

06 Monday Oct 2025

Posted by Jennifer Hanley in Uncategorized

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55+ communities, buying a car, Buying a home, buying a home with credit problems, credit problems, credit report, credit score, downsize your home, downsizing, empty-nester, finance, first-time homebuyer, Getting your credit in shape, home-buying, homes for sale in Jacksonville FL, Jacksonville FL Real Estate, Jacksonville Real Estate, loan, luxury, luxury homes, New Construction, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, REALTOR, right sizing, right-sizing, The best real estate agent in Jacksonville

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This section could be expanded to provide more depth about impact ability. Consider adding specific examples, explanations, or cThe chaos of moving day is a prime time to forget or misplace essential items. When you’re preparing for the big move to your new home, the following items are some of the most overlooked (and the most sorely missed in a time of need!). For example, many people arrive at their new house only to realize they can’t access basic necessities like keys or important documents, turning an exciting day into a stressful ordeal.

Jewelry, watches, and small valuables: These small, expensive, and often irreplaceable items are best kept in a safe deposit box or with trustworthy friends or relatives on moving day. Imagine the panic of unpacking boxes and discovering your grandmother’s heirloom ring is missing—carrying them personally or securing them separately prevents that nightmare.

Garage door opener: The old one won’t be of much use at your new house, will it? Be sure to leave it behind for the new owners. Also, make sure the old owners of your new house give you theirs! Without it, you could be stuck waiting outside your garage on arrival, unable to unload easily.

Spare keys: Sets to your old house should remain with the new owners, but don’t forget sets to the new house! There’s nothing more frustrating than arriving at your new place without a way to get in. Double-check with your realtor or previous owners to ensure you have all necessary keys, including any for side doors, mailboxes, or gates.

Old address books: Yes, we all have fancy new smartphones, but it seems like families all have a well-worn phone book stashed in a spice drawer somewhere. These are practically family heirlooms of information, so don’t leave them behind—scan or photograph pages if possible, but keep the original safe.

Unfinished errands: Do you have any clothes at the dry cleaner? Books due to the library? What about other video game or DVD rentals? It can be a real hassle to settle up on these items from 100 miles away, right? Make a final sweep of local spots a day or two before closing to retrieve and return everything.

Medical records: While a lot of medical information is digital these days, you should make sure you don’t misplace your copies, including dental information and prescriptions. It’s easy to lose them at the bottom of a hastily thrown-away box. Keep these in your personal essentials bag for quick access, especially if you need refills or appointments soon after moving—having them handy can prevent delays in care during the transition.

We make sure our clients’ experience selling their old home and moving into their new dream home is a smooth transition. If you’re interested in a hassle-free home selling experience, please get in touch today: Kevin and Jennifer Hanley, REALTORS 904-515-2479 The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside www.HanleyHomeTeam.com

Who Is Responsible for Paying Real Estate Fees?

22 Monday Sep 2025

Posted by Jennifer Hanley in Uncategorized

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55+ communities, Buying a home, downsize your home, downsizing, empty-nester, first-time homebuyer, homes for sale in Jacksonville FL, Jacksonville FL Real Estate, Jacksonville Real Estate, low mortgage rates, luxury, luxury homes, mortgage loan, New Construction, real estate, real estate advice, real estate commission, real estate information, Real Estate Team, real estate tips, right sizing, right-sizing, saving for a home

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When it comes to buying or selling a home, from a financial perspective, there’s more to think about than just the home price. There are a variety of fees associated with a real estate transaction—and, as a buyer or seller, it’s important to understand which of those fees you may be responsible for during the process. For instance, overlooking these costs can add thousands of dollars to your expenses unexpectedly, so budgeting ahead and negotiating strategically can make a significant difference in your bottom line.

Agent commission: Real estate agents make a commission off of every home sale; while commissions vary by agent, they’re often a percentage of the total sale price—a percentage that is then split between the buyer’s and seller’s agent. (So, for example, if the commission is 5 percent on a $400,000 home, that’s $20,000 total, with $10,000 typically going to each agent.) Generally, the sellers pay this fee when it’s subtracted from the proceeds of their property sale at closing. However, commission is always negotiable, and in today’s market, many sellers successfully lower the rate or structure it differently to save money.

Closing costs: Closing costs cover a variety of fees (like loan processing, title company, appraisal, title insurance, and government recording fees) that are due at closing—and generally run between 2 and 7 percent of the home’s purchase price. For a $400,000 home, that could mean $8,000 to $28,000 in total fees. Depending on the home sale—and the negotiating skills on either side—these costs may be covered by the buyer, the seller, or a combination of both. Sellers often offer to pay a portion as a concession to attract buyers, especially in a competitive market.

The Takeaway:

Agent commission: Real estate agents make a commission off of every home sale; while commissions vary by agent, they’re often a percentage of the total sale price—a percentage that is then split between the buyer’s and seller’s agent. (So, for example, if the commission is 5 percent, 2.5 percent would go to the buyer’s agent, and 2.5 percent would go to the seller’s agent.) Generally, the sellers pay this fee when it’s subtracted from the proceeds of their property sale at closing. However, commission is always negotiable—don’t hesitate to discuss options with your agent early on.

Closing costs: Closing costs cover a variety of fees (like loan processing, title company, and insurance fees) that are due at closing—and generally run between 2 and 7 percent of the home’s purchase price. Depending on the home sale—and the negotiating skills on either side—these costs may be covered by the buyer, the seller, or a combination of both. Understanding these upfront allows you to negotiate effectively and avoid surprises at the closing table.

We make sure our clients’ experience buying or selling their home is informed and stress-free, including clear guidance on fees and costs. If you’re interested in a hassle-free real estate experience, please get in touch today: Kevin and Jennifer Hanley, REALTORS 904-515-2479 The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside www.HanleyHomeTeam.com

Buying Your First Home? Make Sure to Avoid These Common First-Time Homeowner Mistakes

15 Monday Sep 2025

Posted by Jennifer Hanley in Uncategorized

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55+ communities, Buying a home, buying a home for the first time, downsize your home, downsizing, empty-nester, first time homebuyer, first-time homebuyer, homes for sale in Jacksonville FL, Jacksonville FL Real Estate, Jacksonville Real Estate, luxury, luxury homes, New Construction, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, right sizing, right-sizing, The best real estate agent in Jacksonville

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Buying a home for the first time is extremely exciting. But like any new experience, as a first-time homeowner, you don’t know what you don’t know—and that lack of knowledge can lead to frustrating, challenging mistakes. For example, many new buyers jump into homeownership assuming the biggest hurdle is closing the deal, only to face unexpected costs or issues that could have been avoided with better preparation and planning.

Hiring a contractor without researching their background. Hiring the wrong contractor can lead to a lot of wasted time and money, and blindly hiring a contractor is one of the costliest mistakes a new homeowner can make. Before you hire anyone to do a home renovation project (whether that’s remodeling your kitchen, adding a deck, or landscaping your backyard), make sure to do your research, read reviews on multiple platforms, check licensing and insurance, and ask to speak to recent references. A quick background check can save you from shoddy work or outright scams.

Not budgeting for home-related expenses. When you bought your home, you budgeted for the major expenses, like your mortgage. But buying a home can come with a host of new expenses first-time homeowners aren’t used to paying, like homeowner’s insurance (often $1,000–$3,000 annually), homeowner association (HOA) fees (which can range from $100 to $500+ per month), property taxes, and higher monthly utility bills due to larger square footage. If you don’t budget for those new expenses, it can put you in the red quickly. When you buy your first home, make sure you’re looking at all the ongoing costs associated with ownership—and build a realistic monthly budget accordingly.

Putting off routine maintenance. Many first-time homeowners don’t realize all the routine maintenance that goes into keeping your home in tip-top shape. And, as such, they let maintenance tasks slide—which can lead to expensive repairs down the road, like a $5,000+ roof replacement or foundation issues from neglected gutters. When you move into your new home, make a checklist of all the maintenance tasks and how often/when they need to be completed (e.g., HVAC filter changes every 3 months, annual chimney inspection)—then review the list every month to make sure you’re not forgetting any tasks.

The Takeaway:

Hiring a contractor without researching their background. Hiring the wrong contractor can lead to a lot of wasted time and money, and blindly hiring a contractor is one of the costliest mistakes a new homeowner can make. Before you hire anyone to do a home renovation project (whether that’s remodeling your kitchen, or landscaping your backyard), make sure to do your research, read reviews, and ask to speak to references—vetting them thoroughly can prevent major headaches and financial loss.

Not budgeting for home-related expenses. When you bought your home, you budgeted for the major expenses, like your mortgage. But buying a home can come with a host of new expenses first-time homeowners aren’t used to paying, like homeowner’s insurance, homeowner association (HOA) fees, and monthly utility bills. If you don’t budget for those new expenses, it can put you in the red. When you buy your first home, make sure you’re looking at all the expenses associated with the purchase—and budget accordingly to maintain financial stability from day one.

We make sure our clients’ experience buying their first home (or any home) is informed, exciting, and mistake-free with personalized guidance every step of the way. If you’re a first-time buyer or ready to make your next move in Jacksonville, please get in touch today: Kevin and Jennifer Hanley, REALTORS 904-515-2479 The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside www.HanleyHomeTeam.com

Pet Doors – from Simple to Smart

01 Monday Sep 2025

Posted by Jennifer Hanley in Uncategorized

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55+ communities, Buying a home, dog, dogs, downsize your home, downsizing, empty-nester, first-time homebuyer, home improvement, homes for sale in Jacksonville FL, Jacksonville FL Real Estate, Jacksonville Real Estate, luxury, luxury homes, moving with pets, New Construction, pet door, pet doors, pets, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, right sizing, right-sizing, The best real estate agent in Jacksonville

Does your four-legged friend need a little more freedom? Pet doors offer animals independence and allow their owners more flexibility in their day-to-day schedules. Whether you’re more of a traditionalist, or you’re inclined to adopt the latest and greatest tech, there’s something for you (and your furry friends). For instance, imagine coming home to a happy, wagging tail without worrying about rushed potty breaks or leaving the back door cracked open all day—pet doors make that everyday convenience a reality for many Jacksonville pet owners.

Classic flap We’ve all seen this one: a small opening with a durable flap that swings freely, allowing your pet easy access in and out of the house. These types of pet doors are popular due to their versatility—they can be installed directly into an exterior door, cut into the side of your home’s wall, or even placed to access just the garage or screened patio. They work great in screen doors or glass panels too. If security is a concern, many models include a sliding lock or insert that blocks entry for unwanted critters (or people) while still giving your pet full freedom when you want it.

Patio/panel type This is an excellent choice if you live in a rental, own a home with sliding glass doors, or simply prefer not to cut a permanent hole in your property. The panel slides right into the track of your existing sliding door, replacing part of the glass or screen with a built-in pet flap. It’s renter-friendly, easy to install (and remove), and perfect for those on a budget or anyone who gets nervous about using power tools. No drilling, no damage—just pop it in and enjoy the convenience.

Smart doors Electronic or magnetic pet doors take things to the next level with sensor tags that attach to your pet’s collar, granting access only to authorized animals. This prevents stray cats, wildlife, or even neighborhood dogs from wandering in. Many models let you program specific hours for access (ideal if your pup likes to roam at dawn but you want peace at night), and top-tier versions connect to your smartphone via an app—sending alerts when your pet goes out or comes back in. While they cost more upfront, smart doors address key worries like security, preventing escapes, and even energy efficiency by minimizing drafts.

You can’t have a pet door without a house to put it in! Whether you’re searching for the perfect pet-friendly home, need advice on installations during a move, or are ready to find a property that suits your furry family member’s lifestyle, we’re here to help make the process smooth and enjoyable.

Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside 904-515-2479 www.HanleyHomeTeam.com

5 Things You Shouldn’t Expect Agents to Do

25 Monday Aug 2025

Posted by Jennifer Hanley in Uncategorized

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55+ communities, Buying a home, downsize your home, downsizing, empty-nester, first-time homebuyer, for sale by owner, fsbo, homes for sale in Jacksonville FL, Jacksonville FL Real Estate, Jacksonville Real Estate, luxury, luxury homes, New Construction, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, right sizing, right-sizing, The best real estate agent in Jacksonville

If you decide to sell your house “FSBO” (For Sale By Owner), the last people you want to hear from are real estate agents. What you really want is a bunch of eager buyers knocking at your door, but what you often end up getting is a never-ending parade of real estate agents knocking, calling, and mailing you things instead. For example, many FSBO sellers in Jacksonville report getting dozens of agent contacts in the first week alone, despite posting “No Agents Please” signs or notes in their listings.

As much as you don’t want to deal with them, chances are you will, no matter how much you tell them to stop calling you. And when you do, there’s a good chance you’ll ask them to do one of five common things that they’re probably going to be either unwilling (or unable) to do. Understanding why these requests usually fall flat can help you set realistic expectations and avoid frustration during your FSBO journey—saving you time and helping you focus on genuine buyers.

No matter how nicely, or how aggressively you ask agents not to bother calling you when you’re trying to sell your house on your own, you’re still going to get calls, knocks on your door, or mailers from agents! It’s part of their business model to stay connected with every active listing, FSBO or not.

If you’re an agent, don’t bother calling… They get that you want to sell your house without an agent, but there’s also a good chance they may have a buyer that’s perfect for your house, so of course they’re going to reach out to see if your property is a good fit for any of them. A quick call could lead to a buyer who’s pre-qualified and ready to make an offer—something many FSBO sellers actually welcome once they realize the agent isn’t just prospecting.

Send me any buyers you have that would like my house… For the time being, you’re in the same business as real estate agents. A large part of the job is finding buyers, and finding them isn’t as easy as it may look, as you’ll probably find out. So when you ask an agent to send you any buyer clients they know who would like your house, you’re basically asking them to hand over a walking, talking paycheck they’ve been working hard to earn over weeks or months of education, advice, and showings. That said, if one of their buyers is genuinely interested, they may want to bring them to see it—as long as you’re willing to cooperate and allow them to remain involved in the transaction (typically with a buyer’s agent commission).

If you have buyers that want to buy my house, they need to pay your commission… Once it becomes apparent you may need to work with buyers who have an agent, the next thing you might feel inclined to tell an agent is that you’ll only work with them if the buyer pays their commission. Most buyers don’t have the cash to pay their agent separately from the transaction, which is why commissions are almost always paid out of the sale proceeds. If you want to attract represented buyers (who often make up a large portion of the market), be prepared to offer a buyer’s agent commission—and agree on the amount before showings begin. Skipping this can drastically limit your pool of potential buyers.

Can you send me the contracts and forms you use so I can use them? In addition to the actual purchase contract, there are many other forms and disclosures required (like property condition disclosures, lead-based paint forms, or flood zone notices), and these vary by county and state. This often catches FSBO sellers by surprise. The problem is, you’re asking for proprietary legal documents that agents (or their brokerage) paid to create, customize, and license. Sharing them could expose them to liability issues. Most agents won’t provide blank or editable versions, so plan ahead—consider consulting a real estate attorney or using reputable online legal form services tailored to Florida.

Can you list my house on the MLS for a small fee? There are some agents and flat-fee services that offer limited MLS entry for a fee. But you can’t expect every agent to provide this. Most agents include MLS listing as part of their full-service package, not an à la carte option. Brokerage rules, liability, and insurance concerns often prevent them from doing limited services like this. If MLS exposure is important (it reaches the vast majority of serious buyers), weigh the cost of limited representation against going full FSBO.

Did you know that we can help you net MORE money when you sell with us…even after paying commissions! Many FSBO sellers end up with lower net proceeds due to missed marketing, pricing errors, or limited buyer access. Get in touch today to discuss how we can maximize your sale price and simplify the process.

Kevin and Jennifer Hanley, REALTORS, SRES The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside 904-515-2479 www.HanleyHomeTeam.com

Q: How does For Sale by Owner work? A: It can work, but it requires significant time, marketing savvy, legal knowledge, and negotiation skills. Many FSBO sellers succeed with the right preparation, but statistics show most eventually involve an agent—often after weeks of limited interest. Let’s take a look at what they are, and why you shouldn’t expect agents to accommodate certain requests, just to make sure you have reasonable expectations.

Boost Your Home’s Value Ahead of Your Appraisal – Complete Guide

11 Monday Aug 2025

Posted by Jennifer Hanley in #DIY, #HanleyHomeTeam, #HomeBuyer, #HomeOwner, #HomeSeller, #Jacksonville, #JacksonvilleFL, #Movingday, #RealEstate, #sellingyourhome, real estate, TIPS, HACKS, Uncategorized

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55+ communities, appraisal, Buying a home, DIY, downsize your home, downsizing, empty-nester, first-time homebuyer, homes for sale in Jacksonville FL, Jacksonville FL Real Estate, Jacksonville Real Estate, luxury, luxury homes, New Construction, property appraisal, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, right sizing, right-sizing, seller tips, Selling a home, selling your home, The best real estate agent in Jacksonville

Painting TrimWhether you’re planning to sell or refinance, a home appraisal is a necessary step in determining the true value of your home. This means your home should be in the best possible condition, so it will be appraised at the highest potential value. While it may be tempting to swing for the fences with big-ticket renovations, there are smaller things you can do to efficiently raise the market value of your home.

Start Small with a Little Spackle
If you’ve lived in your home for any length of time, you’ve probably hung things on the walls, put up shelves, or simply had accidents that resulted in minor damage. Now is the time to repair those blemishes. Filling these holes and crevices with a little spackle and painting over the area will leave your walls looking like new. While this may not boost the value of your home, it will keep the appraiser from deducting for the damage.

As Long as You’re Painting…
After you’ve touched up your walls, you might want to consider freshening up the paint. Repainting worn trim and moldings around the home can give it a fresh look. Venture outside and touch up the trim around the windows and doors too. This will boost curb appeal and help you add value to the home. Any area where the paint is peeling, chipping, or simply has lost its luster should be retouched with a fresh coat.

Update Your Crawl Spaces
An upgrade that’s growing in popularity (and will grow your home value) is crawl space encapsulation. Crawl spaces are essential for providing homeowners and contractors with access to important systems of the home. However, these spaces are vulnerable to moisture and water damage caused by humidity and harsh weather conditions. In drier climates, dust and insects can interfere with HVAC systems. To protect crawl spaces, homeowners have started sealing these spaces with polyethylene barriers to keep out moisture, dust, and pests.

Do a Deep Clean
This is also the time to really clean your home from top to bottom. If you have young children and pets, there may be odors and damage that might not be noticeable to you, but strong odors and scuffed hardwood floors will be the first things your appraiser notices. Consider hiring professionals to wax the floors, shampoo the carpets, and conduct an intensive cleaning of the entire home.

Conduct Other Repairs
At some point, you should tour your home with the mindset of a home buyer. This will help you identify problems that you live with every day but just don’t notice anymore. Look for things that need to be repaired, such as a loose handrail, a leaky faucet, or a shorted electrical outlet. Repairing these problems ahead of time will ensure you won’t lose money on the appraisal.

By taking the time to spruce up the home ahead of the appraisal, you may be able to increase the value by thousands of dollars. The suggestions offered here should give you a head start, but if you have additional questions on how to add more value to your home, please don’t hesitate to reach out us – Kevin and Jennifer Hanley, REALTORS, The Hanley Home Team of Keller Williams Realty http://www.HanleyHomeTeam.com 904-515-2479

Getting Ready to Take Listing Photos? Hide These

04 Monday Aug 2025

Posted by Jennifer Hanley in Uncategorized

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55+ communities, Buying a home, downsize your home, downsizing, empty-nester, first-time homebuyer, homes for sale in Jacksonville FL, housing-market, investing, Jacksonville FL Real Estate, Jacksonville Real Estate, luxury, luxury homes, New Construction, photographers, photography, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, REALTOR, right sizing, right-sizing, selling, Selling a home, The best real estate agent in Jacksonville

If you want your listing photos to attract buyers, they need to frame your home in the right light—and that might mean saying goodbye to some of your home decor prior to snapping your photos. Professional photographers and top agents agree: cluttered or oversized items can distract buyers and make rooms appear smaller or less appealing online. By decluttering strategically, you help highlight your home’s best features—like spaciousness, natural light, and beautiful flooring—encouraging more clicks, showings, and offers.

Tall vases. Tall vases can make a statement in a room—but because they’re so large, they can dominate the frame and draw attention away from the space itself. If you want to display flowers or plants in your listing photos, opt for shorter, simpler vases or small clusters that complement rather than compete with the room’s architecture and flow.

Area rugs. Area rugs may add color and character to a room, but they often make spaces feel smaller and hide the home’s original flooring. Before your photo shoot, remove small area rugs, runners, or throw mats to open up the floor plan and showcase hardwood, tile, or luxury vinyl—especially if your floors are a selling point. Buyers love seeing clean, unobstructed surfaces that suggest easy maintenance.

Appliances. Obviously, you’ll want to keep major appliances—like your refrigerator and dishwasher—where they are. But if you have a variety of small appliances cluttering your counter space (toasters, blenders, coffee makers, knife blocks), clear them off and store them temporarily. Empty counters create a clean, spacious, and organized look that makes kitchens feel larger and more inviting—key for online photos where first impressions count.

The Takeaway: Bottom line? Your listing photos play a large part in your home sale—and if you want your listing photos to attract serious buyers and help you get your property sold faster and for top dollar, plan to put these items away before your photo shoot. A clean, minimalist look in photos can dramatically increase buyer interest.

We work with a professional photographer to create your best “home story” which helps us sell your home quickly and for the most money! Get in touch today and let’s start telling your home story!

Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside 904-515-2479 www.HanleyHomeTeam.com

Late Making a Mortgage Payment?

29 Tuesday Jul 2025

Posted by Jennifer Hanley in Uncategorized

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55+ communities, behind on mortgage payment, Buying a home, downsize your home, downsizing, empty-nester, first-time homebuyer, foreclosure, homes for sale in Jacksonville FL, Jacksonville FL Real Estate, Jacksonville Real Estate, luxury, luxury homes, New Construction, pre foreclosure, real estate, real estate advice, real estate information, Real Estate Team, real estate tips, right sizing, right-sizing, short sale, The best real estate agent in Jacksonville

It’s extremely important to pay your mortgage on time every month. But sometimes, things don’t work out that way, and you may not have the cash needed to pay your mortgage when it’s due. However, will you get hit with a late fee? While all loans offer a grace period to help borrowers avoid late fees — which are typically between 7 and 15 days — if you submit your payment after the grace period ends, you’ll likely be hit with a late fee, which is usually anywhere between 4% and 5% of the amount of the overdue payment. Here are things to consider…

Will you get hit with a late fee? While all loans offer a grace period to help borrowers avoid late fees — which are typically between 7 and 15 days — if you submit your payment after the grace period ends, you’ll likely be hit with a late fee, which is usually anywhere between 4% and 5% of the amount of the overdue payment.

Will a late mortgage payment impact your credit score? Generally, mortgage lenders won’t report a late payment until it’s 60 days past due. So, as long as you pay your missed mortgage payment before that two month mark, it shouldn’t impact your credit. However, if your payment goes beyond 60 days past due, and it gets reported to the credit bureaus, it could cause your credit score to drop anywhere between 60 and 110 points, depending on your prior credit history. 

Will the bank attempt to foreclose on your home after a missed payment? Your lender won’t go after your home after a single mortgage payment. However, that changes if you fail to make your payment for three months, as your mortgage is considered in default when your payment is more than 90 days past due. If you get to that point, the bank will send you a letter that your mortgage is in default, and generally give you another 90 days to repay the missed payment. If you still can’t cover the missed payment, the lender will likely start the foreclosure process.

Will a late mortgage payment impact your credit score? Generally, mortgage lenders won’t report a late payment until it’s 60 days past due. So, as long as you pay your missed mortgage payment before that two month mark, it shouldn’t impact your credit. However, if your payment goes beyond 60 days past due, and it gets reported to the credit bureaus, it could cause your credit score to drop anywhere between 60 and 110 points, depending on your prior credit history.  Get in touch for more important mortgage information: Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside 904-515-2479 http://www.HanleyHomeTeam.com

FAQ

Q: Why is it important to avoid making late payments?

A:  While all loans offer a grace period to help borrowers avoid late fees, which are typically between 7 and 15 days, if you submit your payment after the grace period ends, you’ll likely be hit with a late fee, which is usually anywhere between 4% and 5% of the amount of the overdue payment.

Everything You Need to Know About Selling to a Real Estate Investor

22 Tuesday Jul 2025

Posted by Jennifer Hanley in Uncategorized

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When you sell your property, you may sell it to an individual or a family who are looking to move in and make it their home. But not all buyers are looking for their forever home; some are just looking for their next investment, so it’s important to understand the process and implications of selling to a real estate investor. For example, in competitive Jacksonville markets, investors often move quickly with cash offers, which can close faster than traditional sales but may come at a lower price point—something sellers should weigh carefully against speed and convenience.

How does selling to an investor impact a market? By definition, when you sell to an investor, they’re not planning on using your home as a primary residence. That means they either have plans to flip the home and sell at a profit (often after renovations), or hold it as a rental property. Either way, this reduces the supply of homes available for owner-occupants, which can drive up prices and make it tougher for first-time buyers or families to enter the market. In areas with high investor activity, this shift has contributed to rising home values and longer search times for traditional buyers.

How does selling to an investor impact a market? By definition, when you sell to an investor, they’re not planning on using your home as a primary residence. That means they either have plans to flip the home and sell at a profit, or use it as a rental, which can lower available inventory in the market—both of which can drive up prices and make it harder for individual buyers (particularly first-time buyers) to find and buy homes.

How do you know if an offer is from an investor? You won’t always know upfront if an offer is coming from an investor. That being said, there are certain red flags that sometimes point to an investor’s involvement, including: a buyer approaching you with an unsolicited offer before your home is even listed; receiving an all-cash offer that’s noticeably below market value or your asking price; an offer submitted through an LLC or business entity rather than an individual’s name; minimal or no contingencies (like no inspection or appraisal); or a very quick closing timeline (often 7–30 days). These patterns often indicate an investor looking for a deal rather than a personal home.

Are there any ways to avoid selling to an investor? Avoiding any type of buyer can potentially lead to a lawsuit if the offer meets all terms and the buyer is qualified. Fair housing laws and anti-discrimination rules make it risky to reject offers based on buyer identity or intent. That said, if you truly want to ensure your home is not sold to an investor (for example, to preserve neighborhood character), speak to a real estate attorney about establishing a deed restriction or covenant that limits future use (such as prohibiting short-term rentals or requiring owner-occupancy for a set period). These steps must be carefully drafted to be enforceable and compliant.

We help sellers navigate all types of offers—whether from families looking for their dream home or investors seeking opportunity—so you can make the best decision for your situation and maximize your net proceeds. If you’re considering selling in the Jacksonville area and want expert guidance on offers, pricing, and strategy, get in touch today.

Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside 904-515-2479 www.HanleyHomeTeam.comengaging for readers seeking information about selling real.

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