Ultimate Home Buying Guide
Buying a house is complicated. It’s the biggest financial purchase most of us will ever make. It’s also an emotional investment. Most people spend years in the same home, and many of our most important memories take place there.
Whether you’re a first-time homebuyer or an experienced homeowner, we have a few home-buying tips to help you out. Take a look at this home-buying guide to help you understand the process of purchasing a house.
Step 1: Determine Whether You’re Ready to Buy
Your home is one of the biggest purchases you’ll ever make. So it’s no surprise that one of the first questions you’ll need to answer is whether you can afford to buy a home.
Ask yourself these four questions before buying:
- What is your credit rating?
With few exceptions, most people need a loan to buy a home, and your credit rating is a major factor when you apply for that loan. Your credit rating can affect the interest rate you receive and the types of lenders that are willing to work with you. The higher your credit rating, the more likely you are to receive favorable terms for your loan.
Start the loan process early when you’re looking to purchase a home. That way, you can correct any errors there may be. If your credit rating is low, you might consider paying off other debt or look for other ways to improve your credit score.
- What is the maximum amount you’re willing to spend on a house?
A good rule of thumb for determining the maximum price you’ll pay for a house is to multiply your salary by two or three. If you’re risk averse or have lots of other debt, you may want to use the lower number.
Remember to factor in closing costs, taxes and insurance when figuring out your budget. Add 10 percent to the sales price of a house to get a better sense of the real cost.
- How much of a down payment can you make?
You’ll also need to determine how much you can afford as a down payment on a house. You may have heard the rule of thumb that you should put at least 20 percent of the value of your home as a down payment. That’s because 20 percent is the magic number for avoiding paying private mortgage insurance (PMI).
As a general rule, paying more as a down payment is better than paying less. Larger down payments reduce your overall mortgage and monthly payments. Because your mortgage is smaller, you’ll also pay less in interest over the course of the loan.
That said, you can get a government-backed FHA loan with just 3.5% down, a VA loan with no-money down and a USDA loan that lends you more than 100% of the cost of the home. Most 1st-Time-Homebuyers usually buy using an FHA loan.
- What is your maximum monthly payment?
You’ll also need to figure out what the maximum monthly payment you can afford will be.
Many lenders use a back ratio to determine how much they’re willing to lend you. To figure out your own ratio, take your total monthly income and multiply it by 38 percent. Most lenders consider that the total amount you should spend on housing and other debt.
Now add up the minimum monthly payments on your credit cards, and subtract this from the number you just got. The number you have now is the monthly mortgage payment that most lenders will be comfortable with.
Remember that lenders include the mortgage itself, taxes and insurance fees when they consider your monthly payment. Be sure to include these costs in your own calculations.
Step 2: Choosing a Home
You may already have a good sense of what you’re looking for in a home. If not, this is the time to figure it out.
Determining your preferred location is one of the most important steps. If you’re already settled in a community and would like to stay in the area, this can be an easy choice. If you’re considering a long-distance move, you may have many more decisions.
Here’s what to look for when you’re considering locations:
- Whether you’d like to live in a small town or a big city
- Driving distance and public transportation options
- Quality of the local school districts
- Affordability of homes in an area
- Local crime rates
- Whether a home in an area is likely to hold its value over time
- Employment opportunities
- How close you’ll be to family and friends
- Local culture
- Healthcare facilities
Buying a Home in York, PA
If you’re in Pennsylvania, you may be considering buying a home in York. We’re the seat of York County, and there is easy access to many nearby cities.
York is a culturally-rich city. Our four historic districts and well-preserved historic buildings make us an architectural museum. Our sports teams and several top-rated elementary schools appeal to many potential residents. Popular neighborhoods include the Avenues, Old Towne East and the East Side.
Because of its lower cost of living, many people work in nearby cities and live in York. In 2015, the average home cost was $145,000. Like most of the U.S., home prices have fluctuated over the past ten years. With a growing economy, positive job growth and home prices that have increased by 3.6 percent over the past year, homes in York are a good investment.
You can view homes for sale in York and nearby cities on our website.
Types of Homes
There are several different types of homes that you may consider. The most common types of homes are single-family homes and condominiums.
Single-family homes are detached homes with private land around the entire house. Many buyers like the privacy of a single-family home. With a single-family home, you can add on or remodel the home as desired. You’re also less likely to have homeowner association fees.
Another option is to consider a condo or townhouse. Many people are drawn to condos because of their low-maintenance appeal. Your homeowner association fees cover maintenance and gardening. Condos are also usually more affordable than single-family homes.
Special Considerations: Buying an Old Home
If you’re considering moving to a historic city like York, you’ve probably considered buying an older home.
Older homes often have a lower asking price. However, you may find yourself doing more maintenance. If you’re considering buying an older home, assess your maintenance skills — and interest.
Thoroughly inspect the major systems in an older house. Electrical, heating and plumbing systems may be a patchwork of the original components and newer upgrades. A good inspection can help you determine what types of maintenance might be needed.
Special Considerations: Buying a Foreclosure or Fixer-Upper
Many buyers are interested in purchasing foreclosures or fixer-uppers because they usually have a lower sales price. If you’re considering buying a foreclosure, there are a few steps you can take to make the buying process earlier.
First, find a real estate agent who specializes in foreclosures and bank-owned properties. Buying a foreclosure can be more complicated than a standard home. At Century 21Ã’, we have extensive experience guiding buyers through the process of purchasing a foreclosed home.
Second, get an inspection done. Foreclosures and short sales often need repairs. You may not convince an owner to agree to repairs before purchase, either. An inspector can help you determine what repairs, if any, need to be made.
Step 3: Learn About Financing
Most homebuyers use a mortgage to finance the purchase of their new home. There are a few common types of mortgages available:
- 30-year fixed mortgage. This is the most common type of mortgage. The interest and payments remain the same each month. At the end of 30 years, you’ve paid back the entire loan. This is considered one of the safest mortgages available, and it’s a good choice if you want to know how much you’ll be paying each month.
- 15-year fixed mortgage. Like other fixed-rate mortgages, the interest rate is set at the beginning of the 15-year loan, and it stays the same for the entire period. You’ll have higher payments because of the shorter timeframe, but you’ll also build equity more quickly and pay less in interest. These can be riskier than 30-year loans, however, because of the higher monthly payments. Make sure you can make the higher payments if your situation changes before taking out a 15-year mortgage.
- Adjustable rate mortgages. Adjustable rate mortgages (ARMs) can be either 15 or 30 years in length. The interest rate adjusts periodically over the life of the loan. Many adjustable rate mortgages have lower introductory interest rates than fixed loans, which makes them a good choice if you’re planning to sell your house in a short time frame.
If you think that interest rates will drop over time, an adjustable rate mortgage can also be a good choice. However, ARMs are riskier than fixed-rate loans because the interest rate can jump up if the market takes off.
Step 4: Choose a Lender
Many people choose lenders and loan types at the same time. There are several different types of mortgage lenders, and they may offer you dramatically different types of loans.
Mortgage lenders can be either banks or portfolio lenders. Mortgage banks include many large banks like Bank of America and Wells Fargo. These banks usually sell loans to a third party, like an investor. By contrast, portfolio lenders include some small banks, credit unions and savings-and-loan companies. These businesses hold your mortgage for the life of the loan.
One of the biggest differences is that a portfolio lender may be able to offer you more flexible terms than a large bank. That’s because they don’t need to answer to external investors. So if you’re looking for a unique type of loan or have an usual credit situation, you may want to consider portfolio lenders.
Should You Use a Mortgage Broker?Â
Mortgage brokers act as intermediaries between buyers and lenders. They work with multiple banks to find the best interest rates and loan terms for you. However, they don’t actually make loans.
Many brokers can negotiate discounted rates with large lenders. Because of these discounted rates and the number of lenders they work with, working with a mortgage broker is a popular option. If you do work with a broker, remember that you’ll probably pay a fee or sales commission to the broker. Take this into account when comparing loans.
Step 5: Getting Pre-Approved for a Mortgage
Once you’re ready to begin house hunting, you may want to get pre-approved for a mortgage. Pre-approval is a written commitment that you’ll qualify for a loan based on your income and credit rating.
You should know, however, that pre-approval letters aren’t always a guarantee a lender will offer you a loan. Pre-approval is often based on what you’ve said, rather than on bank statements. Lenders can withdraw offers if they find you’ve misrepresented your finances.
Pre-approval letters also have a time limit. Most pre-approval letters are valid for 60 to 90 days. After that, the bank will need to issue you a new one. The best time to get pre-approved is just before you’re ready to go house hunting.
Step 6: Making an Offer
Once you’ve found a home you like and a potential lender, you’re ready to make an offer. Your real estate agent will guide you through the process of making an offer and negotiating with the seller.
Your offer letter usually includes:
- A purchase price
- Contingencies
- Date the offer expires
- A closing date
Sellers can accept or reject your offer. They can also give you a counteroffer, which has different terms than your original. The seller might ask for a higher price, a shorter (or longer) closing date or different contingencies. You can accept or reject their counteroffer.
Throughout the purchase process, you’ll see many references to contingencies, or clauses. Contingencies allow you to back out of the contract if something goes wrong during the escrow process. These can protect you if an inspection reveals major problems with the house or if your funding falls through.
Step 7: Closing
Once your offer has been accepted, you’ll move into escrow, or closing. Escrow is a neutral account that protects both you and the seller until the home sale is completed. Expenses from the sale are paid from this account. Your escrow account also holds important paperwork and files, such as the new deed to the property.
During the closing process, you’ll have the chance to have your new home inspected and make sure there are no major problems. You’ll also need to secure a mortgage. As part of the loan process, many banks require a separate inspection and appraisal.
You may also need to get homeowner’s insurance before escrow closes. Having homeowner’s insurance is a key condition of many loans.
There may be other requirements you need to meet as part of the escrow process. These depend on your purchase offer, and each requirement must be completed before the property’s title transfer occurs.
Escrow can last from just a few weeks to more than two months. During this time, you’ll need to stay organized and keep on top of important deadlines. The more responsive you are, the quicker the closing process is.
Once escrow is complete, you’ll be able to move into your new home. The escrow company will file records that state you are the new homeowner, and your real estate agent will give you the keys to your new home.
If you’re ready to begin the home-buying process, contact one of our local agents at CENTURY 21 Core Partners today. You can also visit our website to search for homes for sale in York and southeastern Pennsylvania.
Ready to Buy? Browse the Homes in the Area:Â
Recent Company Testimonials
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“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.”
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Bonnie Lewis now of York, PA -
“Very quick to get back even with the simplest of questions”
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Diane- York -
“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.”
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Melanie , Orlando FL -
“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!”
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Jason, York PA -
“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!”
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Andrea McDaniel, New Cumberland PA -
“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!”
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Adam, York. -
“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.”
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Robert, York -
“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”
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Stephen Perkins Biglerville -
“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.”
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Lonny Smouse, Hughesville -
“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.”
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The Garner Family York,PA -
“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.”
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Amber Vitale Fleetwood PA -
“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.”
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Will and Alyson Hudson -
“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!”
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Emily B., York, PA -
“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”
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David Sponseller 65 Katelyn Drive New Oxford PA -
“Incredibly helpful”
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Cody Wilson York -
“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”
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Tanya Brunch, York, PA -
“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!”
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Ashley McKinsey, Dallastown -
“I heard of it’s friendly and professional people from another person She was just a text or a call away”
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Elery González -
“Heather is an amazing realtor! Her knowledge, patience and expertise are second to none. She made our homebuying experience truly delightful!”
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Michael, York PA -
“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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Ande - York PA -
“Rocio Palacios very professional and I feel confortable worked with her, very nice experience, I really recommend her to friends and families”
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Ivette Rosado York PA -
“Heather is the #1 agent in South Central, PA!!!!!”
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Smokey, York, PA -
“She is the best there is in home acquisition. She will follow up on your behalf without you reminding her. She is very thorough”
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Roy Enehiroana , Odenton, MD -
“Eva Kelly's professionalism and due diligence was highly appreciated. This made the sale of my home a breeze!”
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Rachel Bunn, Dundalk MD -
“Awesome Job. Our home buying dreams came true”
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Errik Soots -
“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.”
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Adebayo, Windsor Mill -
“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.”
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Nastashia Mechanicsburg pa -
“She is very professional and very Polite.”
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Adolfo Burgos, York PA -
“I strongly recommend Christian to anyone that needs the work of a realtor.”
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Yenni Espinal, Manchester PA. -
“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.”
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Sarah Bair, Manchester -
“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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Will Hudson Gettysburg Pa -
“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!”
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Chris and Natalie Suit York, PA -
“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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Josh Bentzel, Dover -
“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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Edward & Adlih york,pa -
“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.”
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Darlene Ennis York County -
“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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TWHale PA Properties, LLC, Spring Grove, PA -
“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”
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Tanya Fishel, Thomasville -
“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!”
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Angeline Hill, Walnutport PA -
“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.”
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Elidia Mares, Pennsylvania -
“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.”
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Chris Seletzky, New Oxford -
“She was outstanding and could not have made this move from florida to here without her”
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tim deatrick york -
“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.”
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Haley Laird, York -
“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.”
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Ivan Rodriguez, York -
“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.”
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Amy Donelson Red Lion PA -
“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.”
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Cat Mechanicsburg -
“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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Erin Treffinger, York, PA -
“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.”
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Melanie, Stewartstown, PA -
“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 -
“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!”
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Lori Allen, Wrightsville, PA -
“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!”
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Jillian and Robert DiBiase
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
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Susan Spahr
Client Testimonial for Eva Kelly
“Very quick to get back even with the simplest of questions”
Diane- York
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Eva Kelly
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
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Michael Segarra
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
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Stacey Zimnicky
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
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Shanna Geistwite
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.
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Eva Kelly
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
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Susan Spahr
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
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Dwayne Piper
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
February 23, 2021
Testimonial data verified by RealSatisfied
View the profile for Heather Bradley
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
February 23, 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
February 23, 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
February 23, 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
February 23, 2021
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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
February 23, 2021
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Client Testimonial for Susan Spahr
“Incredibly helpful”
Cody Wilson York
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 2021
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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
February 23, 2021
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Client Testimonial for Rocio Palacios
“Rocio Palacios very professional and I feel confortable worked with her, very nice experience, I really recommend her to friends and families”
Ivette Rosado York PA
February 23, 2021
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Client Testimonial for Heather Bradley
“Heather is the #1 agent in South Central, PA!!!!!”
Smokey, York, PA
February 23, 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
February 23, 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
February 23, 2021
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Client Testimonial for John Macdonald
“Awesome Job. Our home buying dreams came true”
Errik Soots
February 23, 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
February 23, 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
February 23, 2021
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Client Testimonial for Rocio Palacios
“She is very professional and very Polite.”
Adolfo Burgos, York PA
February 23, 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.
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 2021
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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
February 23, 2021
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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
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 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
February 23, 2021
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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
February 23, 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
February 23, 2021
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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
February 23, 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
February 23, 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
February 23, 2021
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