Guide to REO Properties
When you’re looking to buy a home, you have more options than you might think. You can go the traditional route and work with a real estate agent to buy a home that’s been listed for sale by its owner. Another option is to buy a home through a short sale or during an auction. Finally, you might consider buying a real estate-owned property, or REO.
Buying an REO can mean you get a great deal on a home. An REO property also offers several other benefits you don’t get if you buy a home through a short sale or even during the typical home-buying process. Everything you’ve ever wanted to know about real estate-owned properties is right here.
Terms to Know:
Before we get into the process of buying a real estate-owned property or the benefits of doing so, it’s helpful to define a few key terms, so everyone is on the same page.
What Is REO?
REO is property a lender — such as a bank or other financial institution — has seized and foreclosed on. The lender has tried to sell the property at auction, but no one bid on it, or the bids they received weren’t high enough to meet the lender’s reserve.
When lenders approve mortgages for homebuyers, they have one goal in mind: having the buyer repay the loan, with interest. Lenders want their money back so they can continue to stay in business and make loans to other people or companies.
That’s not what always happens, though. If a person stops making payments on his or her loan, the bank or lender has the right to claim the property and foreclose on it, since the house or condo acts as the collateral for the mortgage.
Here’s the thing, though. A bank or other financial institution doesn’t want a home or other residential property. It has no use for a house. The foreclosed home typically becomes more of a liability for a lender than an asset, which is why lenders usually do what they can to make an REO more attractive to buyers.
For example, REO properties typically have a clean title, and the bank has cleared any liens that were on the properties. Institutions that have REO properties also typically offer them at a below-market-value price and might even be open to negotiating decent loan terms with the right buyer. The bank also has completed eviction proceedings to remove the non-paying former owner from the home, or has made a sort of “cash-for-keys” deal with the previous owner to get him or her to vacate the property.
What Is Bank-Owned Property?
A bank-owned property is merely another name for an REO property. It’s a house or other piece of real estate that has gone through the foreclosure process, was not sold at auction and ended up being owned by the bank or lender.
What Are Asset Managers?
Asset managers are the people or companies hired by the bank or lender to take care of any REO properties. An asset manager works to make the property ready for sale, and is responsible for hiring anyone else who will have a role to play in the foreclosure or sale process.
A few of the responsibilities of an asset manager include:
- Hiring attorneys, title companies, property preservation companies and an REO agent.
- Getting different opinions about the market value of the property.
- Sending a cash-for-keys offer to the occupant, assuming the property isn’t vacant.
- Overseeing property clean-out and winterization.
- Putting the property up for sale through the REO agent after sheriff’s sale/auction.
What Is an REO Agent?
An REO agent is a real estate agent who specializes in the sale of REO properties. If you’re wondering how to find REO properties for sale, or how to find bank-owned homes, your best bet is to work with an REO agent.
As you might guess, there are fewer REO agents in any given market than there are standard real estate agents. Depending on the volume of REO properties in a given area, a single REO agent might have dozens, if not hundreds, of active listings at any time. Typically, REO agents have listing contracts with local asset management companies.
What Are Bank Addendums?
Bank addendums are additions to the purchase agreement or contract between a buyer and the lender/bank. As you might guess, bank addendums usually provide some additional benefit to the bank, often at the expense of the buyer. The content of an addendum can override anything that was in the offer made by the buyer.
The sticky thing about addendums is this — you can’t move forward with the purchase of an REO property without agreeing to the bank addendums. And banks tend to be looking out for No. 1 — that is, themselves. One example of a typical addendum is the requirement that the property is sold “as-is,” meaning you can’t ask the bank to pay for any problems that crop up during the inspection.
In some cases, the addendum might add fees to the cost of the sale, or might shift certain responsibilities, such as paying some taxes, onto the shoulders of the buyer. An addendum might also give the bank the ability to cancel the agreement up through the sale date.
REO vs. Short Sale
People occasionally confuse a short sale with a bank-owned property, though the two are very much not the same thing. One of the biggest differences between a short sale and an REO is who owns the property. The original owner still owns a house that is up for short sale, while the lender has taken possession of an REO property.
What Is a Short Sale?
Sometimes, the amount a person owes on a mortgage differs from the market value of the home he or she wants to sell. In some instances, the value of the house is more than what’s owed on the mortgage, so the seller walks away with some cash in his or her pockets.
In other cases, the seller ends up owing more on the mortgage than the home sells for or could sell for. If the lender that owns the mortgage agrees to accept the sale price of the home, even though it doesn’t cover what’s owed on the loan, a short sale occurs. In the first quarter of 2016, around 5 percent of all home sales in the U.S. were short sales.
Usually, a lender will only agree to accept a short sale of a home if the owner is clearly having trouble making the monthly payments on the mortgage. In those cases, a bank might decide that it’s better to get a portion of what is owed, rather than move through the foreclosure process and end up with an REO property to unload.
That said, short sales aren’t a perfect solution, and they can be more complicated than they look on the surface. For one thing, unlike an REO property, buying or selling a short sale property doesn’t wipe out all the liens on the real estate. A buyer who purchases a home during a short sale might end up buying a property that doesn’t have a clean title.
Other drawbacks of a short sale, especially for a buyer, include:
- Long closing process — it can take up to nine months for the sale to become final.
- House is sold “as-is” and might have a lot of unpleasant surprises. The buyer can end up with a money pit.
- Anyone with a stake in the property, such as lien holders or second-mortgage lenders, can jump in and disrupt the sale.
- Closing costs can be higher, since the seller and lender are usually less willing to chip in for “extras” which would be negotiated during a typical real estate sale.
Why a Lender Might Decide Against a Short Sale
There are a few reasons a lender might decide a short sale isn’t the way to go and might decide to move forward with a foreclosure, ultimately taking possession of the property.
- The lender might be better off collecting mortgage insurance on the home than having it sold at a loss.
- The current owner of the home isn’t able to prove he or she is struggling to make mortgage payments.
- The current owner of the home refuses to cooperate with the lender or files for bankruptcy, which would prevent a short sale from going forward.
How to Find REO Properties
In many ways, finding REO properties is similar to finding a typical house for sale. It’s just that instead of communicating with a seller who’s an individual, you’ll be interacting with a financial institution. You’ll also want to work with an REO agent, rather than a conventional real estate agent, as you’ll want someone who knows the process of buying and selling REO properties inside and out.
Step 1: Get Pre-Approved
You can get financing to buy an REO property if you need it. To get that financing, you’ll have to approach a lender for pre-approval. Getting pre-approved for a mortgage has several benefits. For one thing, it tells your REO agent you’re serious about buying a bank-owned property. For another, it allows you to move quickly if you do find the right REO property for you. You’ll have your financing paperwork in order, will know how much you can afford and will be able to make an offer without having to wait.
Step 2: Find Your REO Agent
Working with an REO agent when you’re trying to find and buy a bank-owned property has several advantages. Sure, you can find REO listings online or by contacting lenders directly. But an REO agent will let you know about properties for sale before they become available to the public. REO agents have relationships with local asset managers and can get you the scoop before anyone else.
Step 3: Check out REOs
Depending on where you’re looking to buy, there might be a multitude of REO properties to check out, or there might be just a few. Visit the REOs you are interested in with your agent, then decide whether or not you’d like to move forward and make an offer on any of them.
Step 4: Make Your Offer
Your REO agent will help you put together an offer on the property. But you can expect your offer to include a letter with the amount of your initial offer, a statement that you understand that you’re buying the property “as-is” and a clause that gives you an out if a home inspection reveals that the property would need extensive repairs.
Your agent can provide decent guidance when it comes to how much you should offer for the home. In some cases, it makes sense to offer what the bank wants. But if your agent suggests the bank is overvaluing the home or hints you could talk the bank down, it might be worth it to offer a little less.
Step 5: Schedule the Home Inspection
Even though you’ve agreed to buy the house as-is and won’t come back to the lending institution asking for a list of repairs, it’s still a good idea to have a home inspection before you close on the property. The home inspector can give you an idea of any damage to the property, the extent of the problems and an estimate of what it would cost to repair any issues.
At that point, you might go back to the lender and let it know if you’re willing to move forward with the sale, or that the damage is just too much for you to handle.
Step 6: Line up Your Repair People — If Needed — and Prepare for Closing
Once the inspection is over and you’ve agreed to move forward, all that remains is closing. You might also want to start calling around to repair people or tradespeople to get quotes for any problems that need fixing in the home before you move in.
How to Find Bank-Owned Properties in York, PA
You have a few options if you’re looking to find foreclosures in York, PA. The county’s sheriff sale listing page features a list of all the active or recently canceled sheriff’s sales in the area. You can see the bid amount on each property, the location of the homes and the names of the current owners.
You can also look for foreclosures or REO properties on websites that list foreclosures and home sales, including Auction.com and HUDHomes. But if you want the most up-to-the-minute information on REO properties, or if you want to learn about available properties before anyone else, your best option is to partner with an REO agent in York.
Why Contact an REO Agent
Because REO properties can be a great value for buyers, they tend to move quickly once they come on the market. They don’t have the complexities or potential loopholes short sales do, so a buyer who needs a house immediately is likely to move quickly when the right REO comes available.
You want to be proactive about contacting an REO agent, as he or she will be your best bet for finding out about eligible bank-owned homes before anyone else. REO agents are connected to the asset managers who list properties for sale, so they are on the inside track and get all the details before the rest of the world. Your agent will contact you immediately once a home that fits your budget or meets your needs becomes available.
In York, PA, you can turn to Century 21 Core Partners if you’re looking to buy a bank-owned property and need an REO agent. Visit our Agents page today to learn more about who’s who on our team and to get in touch with a real estate agent who specializes in foreclosures and REO properties.
Recent Company Testimonials
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“Absolutely incredible experience. Heather has an awesome personality, is extremely knowledgeable, and has great attention to detail. This was my first time buying a home and she (and the loan officer, Mike Cersei), were nothing shy of amazing. They made all of my financial options crystal clear, as well as Heather’s experience and attention to detail with even the smallest aspects of the home I purchased. She has the ability to be the friendliest person you’ve ever met, and flip a switch when it comes to negotiation with other agents and getting you exactly what you want at the price you want it. That cannot be taught. Overall fantastic experience and I thank her and her team for my first home.”
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Phillip Matthews, Exeter PA -
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Chris Seletzky, New Oxford -
“Susan makes the process enjoyable!! I have sold/purchased homes with Susan in the past and I never ever worry about missed details, forgotten paperwork or miscommunication. She explains the process with patience and professionalism, then follows up with detailed correspondence and time lines. Susan is kind, understanding, thorough, transparent and keeps the process painless and stress free for everyone !!! I would recommend Susan 100%!!! I am extremely grateful for her professionalism and compassion!!!”
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“I have been working with Stacey to find my forever home for three years. To say I was picky was putting it mildly. She never wavered and every time I asked to see a property she scheduled a showing. I was looking for a home in a very sought after school district and as quickly as I would ask to see a house it would be off the market. We had toured so many homes that for the last few months she could tell by my face the minute we walked into a house that it wasn't the one. She was always helpful and honest. If I ever have to or want to move again, there is no question in my mind, I would call Stacey immediately!”
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“I am in the business of purchasing investment properties. Elle is the only agent I would use. She is knowledgeable about real estate, passionate about doing what's best for her clients, and studies the market to get the best possible property for the best price. Here, she provided me with critical information on the market value of the property. She negotiated a good price given the market status right now (being a seller's market). She made sure the settlement was on track at all times and communicated with me often to ensure that I knew the status. Settlement went on schedule with no complications. That is what is most important to me (and I think this should be added to your survey) - communication. Often buyers/sellers do not know how this process works. Agents should be guiding them through the process as it unfolds. This is what sets Elle apart from others. She was there with me throughout the entire process. I was not "just another sale." I was and always will be her client. Thank you, Elle, for making this deal go so smoothly.”
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“I Trust him and his devotion to his clients Many of these do not apply as the perspective buyers came to me however from that moment on the Piper's killed it with very little effort on my part. Love that team !!! Always there to answer a late evening question on the process I would more than recommend the Piper's. I would insist that friends and family use them if they want a great buying/ selling experience.”
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“Heather went above and beyond to not only help us find the house of our dreams, but also walk us through the process of buying our first home. We are so grateful for all her experience and help through the process! Heather was so kind and knowledge through the entire process! I feel like the word excellent does not do justice to the grates listed above. It always seemed like she went above and beyond to help us at any time of day!”
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Tanya Brunch, York, PA -
“Always keep great communication Always answered all questions if she didn't know the answer she will find it. Fast working. Hard work. Flexible. Honest .great people and communication skilled. She's great. Knowledgeable. Honest Becomes one of the family. Out going friendly. Would refer her to family and friends.”
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“Eva Kelly's professionalism and due diligence was highly appreciated. This made the sale of my home a breeze!”
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Client Testimonial for Heather Bradley
“Absolutely incredible experience. Heather has an awesome personality, is extremely knowledgeable, and has great attention to detail. This was my first time buying a home and she (and the loan officer, Mike Cersei), were nothing shy of amazing. They made all of my financial options crystal clear, as well as Heather’s experience and attention to detail with even the smallest aspects of the home I purchased. She has the ability to be the friendliest person you’ve ever met, and flip a switch when it comes to negotiation with other agents and getting you exactly what you want at the price you want it. That cannot be taught. Overall fantastic experience and I thank her and her team for my first home.”
Phillip Matthews, Exeter PA
March 27, 2021
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View the profile for Heather Bradley
Client Testimonial for Eva Kelly
“Eva was exceptional to work with. I worked with her for nearly 2 years looking at properties until finally closing on the perfect house. Her service with me as a her client was the same from day one until( and even after) settlement. I would highly recommend Eva to anyone looking for a friendly and professional experience.”
Chris Seletzky, New Oxford
March 27, 2021
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View the profile for Eva Kelly
Client Testimonial for Susan Spahr
“Susan makes the process enjoyable!! I have sold/purchased homes with Susan in the past and I never ever worry about missed details, forgotten paperwork or miscommunication. She explains the process with patience and professionalism, then follows up with detailed correspondence and time lines. Susan is kind, understanding, thorough, transparent and keeps the process painless and stress free for everyone !!! I would recommend Susan 100%!!! I am extremely grateful for her professionalism and compassion!!!”
Ande - York PA
March 27, 2021
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View the profile for Susan Spahr
Client Testimonial for Stacey Zimnicky
“I have been working with Stacey to find my forever home for three years. To say I was picky was putting it mildly. She never wavered and every time I asked to see a property she scheduled a showing. I was looking for a home in a very sought after school district and as quickly as I would ask to see a house it would be off the market. We had toured so many homes that for the last few months she could tell by my face the minute we walked into a house that it wasn't the one. She was always helpful and honest. If I ever have to or want to move again, there is no question in my mind, I would call Stacey immediately!”
Erin Treffinger, York, PA
March 27, 2021
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View the profile for Stacey Zimnicky
Client Testimonial for Laura Cooley
“Laura was recommended to us by a co worker and we are so grateful for the recommendation. Laura was all around such an amazing agent.”
Elidia Mares, Pennsylvania
March 27, 2021
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Client Testimonial for Heather Bradley
“Heather is the #1 agent in South Central, PA!!!!!”
Smokey, York, PA
March 27, 2021
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Client Testimonial for Heather Bradley
“Heather was amazing, she had my house sell within a week.
I did not have any problems at all everything was fast and easy
Thank you Heather, It still means a lot to us”
Tanya Fishel, Thomasville
March 27, 2021
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View the profile for Heather Bradley
Client Testimonial for Susan Spahr
“I met Susan in 2016 while working for AT&T. Who would’ve known that a simple sale / upgrade of a cell phone would turn out like this. Through the years following, she made 2 trips to our home and gave us her honest unbiased opinion about what we should do to get our property ready for market. Thanks to Susan, our home sold in 4 days!! I feel like not only did I have an agent, but a good friend in the end. Thank you Susan for being there and helping us achieve our goal.
David and Roberta Sponseller”
David Sponseller 65 Katelyn Drive New Oxford PA
March 27, 2021
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Client Testimonial for Stacey Zimnicky
“Stacey took 3 years to help us find our farm. She is AMAZING to work with. If we ever have to buy anything again in the entire state of Pennsylvania she is who we will work with. The only agent we will work with. She became my friend during this incredibly lengthy process. She is a true credit to her profession and you guys are lucky as heck to have her on your team!”
Angeline Hill, Walnutport PA
March 27, 2021
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Client Testimonial for Eva Kelly
“Eva Kelly will work hard for you. She is always able to be contacted and is very knowledgeable. She makes buying and selling a home very easy!”
Adam, York.
March 27, 2021
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Client Testimonial for Megan Bell
“Megan was a terrific help! She answered all my questions promptly, and always got back to me quickly, if not right away. She made sure everything was going smoothly for us and even got us a little housewarming gift, with things I actually needed, for my house! Megan was great! I definately recommend her, if you're looking into buying a home!”
Ashley McKinsey, Dallastown
March 27, 2021
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Client Testimonial for Rocio Palacios
“Excelente todo gracias por siempre estar pendiente de todo y ayudarme mil gracias excelente trabajo en equipo”
DarianaGarcia
March 27, 2021
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Client Testimonial for Okwy Eniang
“She is the best there is in home acquisition. She will follow up on your behalf without you reminding her. She is very thorough”
Roy Enehiroana , Odenton, MD
March 27, 2021
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Client Testimonial for Dwayne Piper
“Great job, so patient and understanding. Dwayne and Gina Piper have an awesome.personality and were so helpful and informative. I would highly recommend them.”
Darlene Ennis York County
March 27, 2021
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Client Testimonial for Susan Spahr
“We were referred by my daughters friend, I had a previous realtor and was not satisfied with her, we were in South Carolina looking to relocate, we have family here. Susan Spahr worked with us and my daughter who lives in York, we had to do a virtual tour and she made it easy. She sent us listings and took my daughter on the tour. She was very hands on thru text, emails and phone calls, anytime I had a question she was there with an answer. She took care of the inspection and kept us informed because we we in South Carolina and our dog had surgery so we could not travel. She was a pleasure to work with and I absolutely would recommend her to anyone, she is an asset to Century 21.”
Bonnie Lewis now of York, PA
March 27, 2021
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Client Testimonial for Elle Hale
“I am in the business of purchasing investment properties. Elle is the only agent I would use. She is knowledgeable about real estate, passionate about doing what's best for her clients, and studies the market to get the best possible property for the best price. Here, she provided me with critical information on the market value of the property. She negotiated a good price given the market status right now (being a seller's market). She made sure the settlement was on track at all times and communicated with me often to ensure that I knew the status. Settlement went on schedule with no complications. That is what is most important to me (and I think this should be added to your survey) - communication. Often buyers/sellers do not know how this process works. Agents should be guiding them through the process as it unfolds. This is what sets Elle apart from others. She was there with me throughout the entire process. I was not "just another sale." I was and always will be her client.
Thank you, Elle, for making this deal go so smoothly.”
TWHale PA Properties, LLC, Spring Grove, PA
March 27, 2021
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Client Testimonial for Eva Kelly
“We called, and Eva answered. We are so happy she did. She took the time to understand our needs and exceeded all of our expectations. She exceeded ones we didn't even know we had!
Eva knew our needs and was available anytime for showings and to answer questions. She did facetime calls to show those of us who were not local to the properties and was patient and explained every detail.
Eva handled this long distance relocation so well. Always happy to make video calls, send photos, described what she saw in detail and was beyond patient with the process. She is a GREAT agent for those relocating from far away!
Eva is extremely friendly to our LGBTQ Community and sensitive to hesitations with neighborhoods and privacy.”
The Garner Family York,PA
March 27, 2021
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Client Testimonial for Heather Bradley
“We had what we thought would be a difficult piece of property to sell. I spoke with Heather Bradley and, in one phone call, she knew what our plans were and how to best execute them. Thanks to her research and hard work we were able to have the property sell within just a few weeks.”
Amy Donelson Red Lion PA
March 27, 2021
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Client Testimonial for Susan Spahr
“Susan is a very knowledgeable and friendly agent. She is extremely efficient and organized, in addition to being very patient and flexible. Susan makes her clients feel comfortable with the entire home selling process and she treats everyone with respect and dignity. She works very hard at making sure her clients are informed, satisfied and encouraged. We would highly recommend Susan and will most definitely use her services in the future!”
Chris and Natalie Suit York, PA
March 27, 2021
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Client Testimonial for Susan Spahr
“Susan is absolutely wonderful. I had worked with her previously and wished to work with her again. Susan does such a fantastic job, that I recommend her to my friends and coworkers. I look forward to working with Susan in the future.
Susan was not only professional but put me at ease with selling my house. I have a very hectic work schedule and Susan made sure she was available for questions at all times of the day. Susan is a spectacular realtor and person.”
Cat Mechanicsburg
March 27, 2021
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Client Testimonial for John Macdonald
“Awesome Job. Our home buying dreams came true”
Errik Soots
March 27, 2021
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Client Testimonial for Heather Bradley
“Heather was amazing from start to finish! She really put herself in our shoes and made decisions based on what the seller would want or need. She was very knowledgeable and clear on the process and walked us through everything. We appreciate all the work she did in getting our home sold!! She went above and beyond to ensure we closed in a timely matter including all hiccups on the buyers side. Thank you Heather!”
Jillian and Robert DiBiase
March 27, 2021
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Client Testimonial for Heather Bradley
“Heather tirelessly helped me search for a great home for my family in a difficult market when we were often up against multiple offers. She was professional and dedicated. She helped me get the house I wanted even when I was starting to get discouraged!”
Emily B., York, PA
March 27, 2021
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Client Testimonial for Christian Maldonado
“I strongly recommend Christian to anyone that needs the work of a realtor.”
Yenni Espinal, Manchester PA.
March 27, 2021
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Client Testimonial for Dwayne Piper
“They listened to what we were looking for and the price range we wanted to stay in. We're available to show us houses quickly”
Stephen Perkins Biglerville
March 27, 2021
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Client Testimonial for Scott Wilburn
“His knowledge and years of experience helped guide us through this process successfully. He has a great personality and is very approachable, the other thing that means a lot to us is his and his wife's participation in the Homes for Heroes program. A program that gives back to veterans, nurses, and teaching professionals.”
Amber Vitale Fleetwood PA
March 27, 2021
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Client Testimonial for Ingrid Shuey
“Ingrid Shuey is a very professional real estate broker at work. There is no obstacle for her that cannot find a solution for her. She is 100% bilingual, helping many Hispanics to fulfill their dreams of owning their own home.”
Ivan Rodriguez, York
March 27, 2021
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Client Testimonial for Stacey Zimnicky
“Miss Stacy was the best, was available anytime of the day answered all of our questions took care of all our concerns. With everything being so uncertain due to covid 19 she still made everything happen in a timely manner .We were extremely comfortable with every decision we made with Stacy and grateful she was in our corner.
Miss Stacy explain everything in detail in a way we could understand .We had a lot of questions and she had all the answers and when she did not she got the answers asap for us ,very professional and down to earth.”
Nastashia Mechanicsburg pa
March 27, 2021
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Client Testimonial for Michael Segarra
“Michael was very easy to work with , he was very knowledgeable years of experience which is what I needed due to my circumstances with my home. He sold my home within less than 24hours and got me out of a hardship situation. Grateful.”
Melanie , Orlando FL
March 27, 2021
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Client Testimonial for Eva Kelly
“It was never a question of who I was going to go with when choosing the right person for the job. Eva is incredibly knowledgeable and always takes the time to answer any questions that I have. She is a joy to work with and whenever anyone I know is thinking of buying or selling I always suggest contacting Eva.
Everyone that I’ve encountered at Century 21 have been extremely nice and it’s just an environment that immediately puts you at ease. The team works together and you can just tell that they all have a great relationship with each other.”
Sarah Bair, Manchester
March 27, 2021
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Client Testimonial for Susan Spahr
“We moved from TX to PA - not an easy task. Sue Spahr went above and beyond for us - even showed us homes via facetime! We love Sue and would recommend her again and again!”
Lori Allen, Wrightsville, PA
March 27, 2021
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Client Testimonial for Heather Bradley
“Heather was listing agent on a property I put an offer in on and did not get, however it became clear during that process I wanted to use her as my agent, even if it was as a dual agent because she handled that initial situation with absolute integrity.
Heather could not have been more responsive and attentive to any and all questions I had throughout the entire process.
Outstanding performance from beginning to end of process.
I would recommend Heather to any of my friends and family.”
Lonny Smouse, Hughesville
March 27, 2021
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Client Testimonial for Shanna Geistwite
“Shanna was very approachable and easy to work with. I was always able to reach her no matter the time of day. The market is moving very quickly, but she was able to show us just what we were looking for!”
Andrea McDaniel, New Cumberland PA
March 27, 2021
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Client Testimonial for Edward Gonzales
“Mr. Gonzales did a great job helping me sell my house! This was my first time selling and it had been 18 year since I bought the house so I am grateful for the time he took to explain everything to me and his guidance throughout the process. He was spot on as far as selling price and marketing techniques to get the house sold.”
Melanie, Stewartstown, PA
March 27, 2021
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Client Testimonial for Susan Spahr
“Susan Spahr did a fabulous job guiding me through the home-buying process. I felt extremely safe entrusting Susan with all the aspects of purchasing a home. She made the whole process simple and easy to understand as a first time home-buyer. I would highly recommend Susan to anyone looking to purchase their own property.”
Haley Laird, York
March 27, 2021
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Client Testimonial for Okwy Eniang
“Okwy is the best real estate agent in the DMV area. She prayed along with us throughout the entire process and was extremely supportive and helpful. We could not have asked for a better agent. We would definitely recommend.”
Adebayo, Windsor Mill
March 27, 2021
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Client Testimonial for Susan Spahr
“I heard of it’s friendly and professional people from another person
She was just a text or a call away”
Elery González
March 27, 2021
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Client Testimonial for Susan Spahr
“Incredibly helpful”
Cody Wilson York
March 27, 2021
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Client Testimonial for Dwayne Piper
“Dwyane Piper went above and beyond the call of duty to ensure the very best experience. The old owner, a very sweet elderly widow had 3 lifetimes worth of items in the home. Dwayne actually assisted her (not his customer) meeting her deadline for closing. He is one of the most kind and compassionate people I have ever meet. Hi did this while maintaining her dignity and comfort level....so great to see professionalism and compassion can co exist.”
Will and Alyson Hudson
March 27, 2021
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Client Testimonial for Dwayne Piper
“I Trust him and his devotion to his clients
Many of these do not apply as the perspective buyers came to me however from that moment on the Piper's killed it with very little effort on my part. Love that team !!!
Always there to answer a late evening question on the process
I would more than recommend the Piper's. I would insist that friends and family use them if they want a great buying/ selling experience.”
Will Hudson Gettysburg Pa
March 27, 2021
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Client Testimonial for Susan Spahr
“She went out of her way, above and beyond, to help us with closing. It really came down to the wire and it only ended up happening that day due to her efforts.”
Robert, York
March 27, 2021
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Client Testimonial for Rocio Palacios
“She is very professional and very Polite.”
Adolfo Burgos, York PA
March 27, 2021
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Client Testimonial for Heather Bradley
“Heather is an amazing realtor! Her knowledge, patience and expertise are second to none. She made our homebuying experience truly delightful!”
Michael, York PA
March 27, 2021
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Client Testimonial for Heather Bradley
“Heather went above and beyond to not only help us find the house of our dreams, but also walk us through the process of buying our first home. We are so grateful for all her experience and help through the process!
Heather was so kind and knowledge through the entire process! I feel like the word excellent does not do justice to the grates listed above. It always seemed like she went above and beyond to help us at any time of day!”
Josh Bentzel, Dover
March 27, 2021
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Client Testimonial for Eva Kelly
“Very quick to get back even with the simplest of questions”
Diane- York
March 27, 2021
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Client Testimonial for Susan Spahr
“Susan is hands down my only choice to ever go through this process with again. It was almost sad to finally be moved into our house. She felt like family by the end, with her care and concern, that lasted far past the ink drying on the paperwork”
Tanya Brunch, York, PA
March 27, 2021
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Client Testimonial for Susan Spahr
“Always keep great communication Always answered all questions if she didn't know the answer she will find it. Fast working. Hard work. Flexible. Honest .great people and communication skilled.
She's great. Knowledgeable. Honest Becomes one of the family. Out going friendly. Would refer her to family and friends.”
Edward & Adlih york,pa
March 27, 2021
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Client Testimonial for Stephanie Mrozinski
“She was outstanding and could not have made this move from florida to here without her”
tim deatrick york
March 27, 2021
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Client Testimonial for Stacey Zimnicky
“Stacey was amazing from our first meeting with her. She is helpful and knowledgeable in the York area. She quickly responded to my hundreds of questions and never made us feel like an inconvenience. Enjoyed working with Stacey and will again, if needed!”
Jason, York PA
March 27, 2021
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Client Testimonial for Eva Kelly
“Eva Kelly's professionalism and due diligence was highly appreciated. This made the sale of my home a breeze!”
Rachel Bunn, Dundalk MD
March 27, 2021
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