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This website is one piece of a multi-faceted service commitment that combines personal, one-on-one attention with dynamic web and e-mail resources to deliver the most comprehensive and timely service to you.

As your real estate agent, I'll bring my years of experience successfully buying and selling homes in the local market. I know the neighborhoods, schools, market conditions, zoning regulations and what it takes to make the deal go through.

It takes a full-time commitment - anything less and you'd be short changed. As a full-time agent, I'm able to "work the market" for you, keeping up-to-date with new listings and conditions as they impact the market.

It would be my honor to serve as your real estate agent. Let's get together to talk about your home buying or selling plans. Call me at the office (704-802-4560) or on my cell phone (704-616-5398) or send me an e-mail (johnny@jrphillipsrealty.com), we'll set-up a time to meet that is easy and convenient for you.

I look forward to working with you!

Phillips Realty
704-802-4560
johnny@jrphillipsrealty.com

P.S. If you're not ready to meet in person, please tour my website. I'm sure you'll find the resources here useful and helpful. Enjoy!




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Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed3.79%3.91%
15-yr Fixed3.04%3.2%
1-yr Adj2.78%3.45%
* national averages



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Six Keys to Selling Your Home in Today’s Market
5/13/2012 1:06 PM
According to the National Association of Realtors®, more than 4.25 million homes sold in 2011. That’s a lot of real estate and such numbers raise the question: How are sellers doing it? “Because individual homes are unique, there isn’t one single strategy that works equally well for every property,” says Wendy Forsythe,...Read More
 
5 Basic Steps to Make a House Your Home
5/10/2012 3:08 PM
Are you looking to buy your home for the first time? Congratulations! While this is an exciting time, knowing what you are in for can ease the process exponentially. Below are a few steps you can take to find your dream house, and make it into your new home. Learn About Homeownership Owning a home [......Read More
 
Loan Modification is Stressful; Know Your Options
11/30/2011 3:52 PM
When the Obama administration rolled out the Home Affordable Modification Program (HAMP) in 2009, officials estimated 3 to 4 million borrowers would seek relief from their mortgages through the program amidst the worst recession and housing market collapse in decades. More than two years later, those projections have proven to be optimistic, to say...Read More
 
NAR Home Buyer and Seller Survey Reflects Tight Credit Conditions
11/21/2011 3:53 PM
Recent home buyers are staying well within their means with notably higher incomes and modestly higher down payments than buyers in the previous year, due to the restrictive mortgage credit environment, despite historically favorable housing affordability conditions, according to a study released at the 2011 REALTORS® Conference & Expo. Th...Read More
 
Find the Right Home: HomesDatabase.com Unveils ‘Lifestyle Search’
11/17/2011 3:26 PM
MRIS, the Mid-Atlantic region’s multiple listing service (MLS) marketplace that facilitates $36 billion in yearly sales, has launched a new “Lifestyle Search” feature as a major upgrade and enhancement to its consumer website HomesDatabase.com, the organization has announced. “Typically, consumers are confined to searching by home features such as ...Read More
 
Not All Home Inspections Are Made Equal
9/26/2011 3:50 PM
A home inspection is a crucial component of making a smart home-buying decision. According to Jay Gregg, director of marketing for Pillar To Post, not all home inspections are equal. Gregg, who has experience in home inspections, sales marketing and as a previous Pillar To Post franchisee, believes Pillar To Post inspections are the most [......Read More
 
How to Predict Local Home Prices
9/21/2011 3:37 PM
You’re about to put an offer on a home, but you’re worried that prices will sink and you won’t get the best deal. You’re putting your home on the market and you want to get the most you can for it but you can’t wait forever to sell it. You’ve found a great deal on [......Read More
 
Five Ways to Fight a Low Appraisal
9/7/2011 4:05 PM
What do you do when the appraisal on the dream home you want to buy comes in below the price in the offer the seller has accepted—even as much as 10 to 20 percent below? Chances are that raising the cash for your down payment and closing cost has tapped you out. Finding thousands more [......Read More
 
MONEY Magazine Reveals Annual “MONEY’s 100 Best Places to Live in America”
8/15/2011 4:15 PM
“MONEY” magazine has revealed the 2011 list of “MONEY’s 100 Best Places to Live in America,” highlighting small towns across the country with populations of 50,000 or less. For the annual cover-story, on sale August 19, MONEY looked for places with the optimal combination of job opportunities, fiscal strength, top-notch schools, s...Read More
 
95 Percent of Refinancing Borrowers Choose Fixed-Rate Mortgages
8/15/2011 4:11 PM
In the second quarter of 2011, fixed-rate loans accounted for about 95 percent of refinance loans, based on the Freddie Mac (OTC: FMCC) Quarterly Product Transition Report released yesterday. Refinancing borrowers clearly preferred fixed-rate loans, regardless of whether their original loan was an adjustable-rate mortgage (ARM) or a fixed-rate. An ...Read More




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