Relocation Services
Dear Team,
For over 50 years, companies have trusted Joyner Fine Properties to help their employees relocate to the Greater Richmond area. What sets us apart from other real estate firms?
Joyner Fine Properties knows Richmond. We are a locally-owned real estate firm that is deeply invested in our community. Our agents take great pride in living, working, and volunteering here... simply put, we all care deeply about our city’s success. That passion, combined with a deep-seated knowledge of this area and its people, drives us to provide best-in-class service to each of our clients. It’s also why we’re consistently recognized as one of the top 1% of real estate firms in the Richmond area. Joyner Fine Properties knows relocation. Our full-service relocation department provides a comprehensive suite of services for incoming buyers and outgoing sellers. Each transferee is assigned a fully-trained and certified Relocation Buyers Agent to make their search, purchase and move-in as seamless as possible. Joyner Fine Properties knows relationships. As a member of LeadingRE (Leading Real Estate Companies of the World®), we can tap into our network of over 550 firms worldwide to facilitate the sale of existing properties as part of the relocation process, no matter where those properties are located. As a subsidiary of Virginia Credit Union, we can readily connect your employees to a complete set of financial services beyond home financing.
I look forward to working with you and your team as we build a better, brighter Richmond together.
Sincerely,
John Stone PRESIDENT JOYNER FINE PROPERTIES & VIRGINIA CREDIT UNION
Melanie Roupas REALTOR® RELOCATION & STRATEGIC GROWTH ADVISOR
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About Joyner Fine Properties
We’ve been helping our Richmond neighbors build upon their dreams for 50 years—and we’re excited to help you do the same.
If there’s been one constant in Richmond over the last 50 years, it’s change. Our community has stretched and grown in wonderful new ways, building upon a long history of creativity and innovation to become a regional leader. Richmond is home to world-class companies, cutting-edge universities and exciting outdoor recreational, cultural and dining opportunities that keep families like yours wanting to plant their roots even deeper here. People who live in Richmond want to stay in Richmond! And the many charms of our region are attracting even more diverse neighbors and experiences every single day. Joyner Fine Properties has not only been here to witness those changes, but has helped to lead them. Over our 50-year history of serving the community, we have helped generations of Richmonders find the homes that provide their families with the foundation for a life well lived, in a region where “quality of life” comes standard.
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6 OFFICES THROUGHOUT CENTRAL VIRGINIA
50+ YEARS IN BUSINESS
50+ HOME SALES OVER $1 MILLION IN THE LAST YEAR
TOP 1 % OF ALL FIRMS IN CENTRAL VIRGINIA
$ 4B SOLD IN THE LAST 5 YEARS
$ 2.7B SOLD IN THE LAST 3 YEARS
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We know Richmond. We love Richmond. We know Relocation.
Joyner Fine Properties Relocation & Client Services provides the local knowledge and expertise needed to support your employees as they begin their new lives in the Richmond area. As one of the area’s most established and most experienced relocation brokerages, we help new residents familiarize themselves with the area, find the right home for their needs, and seamlessly transition into life in their new hometown. The highly personalized level of service that we provide to our clients is unmatched within the Greater Richmond region.
EMPLOYEE BENEFITS
COMPANY BENEFITS
• Comprehensive relocation needs assessment • Area tours for individuals or groups • Assignment of a specially-trained Relocation Buyers Agent • Custom-produced relocation package and a personalized home search website • Mortgage product review and determination of purchasing power through prequalification
• Provide employees with a stress-free relocation experience, creating greater employee satisfaction, retention and talent acquisition • Leveraging specialized relocation experts who can provide advice on everything from housing to cultural differences and local laws • Mitigating the risks of employee relocation by managing complex logistics • Significant time savings, allowing teams to focus on other priorities • Communication experts who keep all parties in formed throughout the process
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Joyner Fine Properties outperforms national franchises.
U.S. HOME SALES | Volume shown in Billions of Dollars
$405
Keller Williams
$353
Coldwell Banker
$317
Compass
$251
Berkshire Hathaway Home Services
$139
eXp Realty
$132
Sotheby’s International Realty
$115
RE/MAX
$113
Century 21
$39
HomeSmart International
$35
Better Homes & Gardens
$17
United Real Estate
$14
ERA
$13
Corcoran
$12
This bar chart is sourced from REAL Trends 500 for 2021, realtrends.com.
TOTAL U.S. PROPERTIES | Over $1 Million
12,260
sothebysrealty.com
9,403
compass.com
5,311
coldwellbankerluxury.com
4,727
christiesrealestate.com
3,005
elliman.com
2,528
engelvoelkers.com
1,317
kwluxuryhomes.com
871
theagencyre.com
353
Source: Scott Business Consultancy June 2022. Chart compares brands with luxury positioning and a dedicated website with the ability to determine the difference between company exclusive properties and IDX listings.
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With Joyner Fine Properties, experience local expertise and global reach.
Our experience and reach in the Richmond region are unmatched, but our capabilities extend far outside the city. As a member of the Leading Real Estate Companies of the World ® —an invitation-only program that provides us with exclusive partnership with the world’s market-leading independent brokerages—we have access to a global network of more than 150,000 real estate professionals in more than 550 countries worldwide. And their luxury division, Luxury Portfolio International ® , attracts a global audience by marketing approximately 50,000 of the world’s most remarkable homes.
Virginia Credit Union is a financial cooperative with more than 300,000 members. VACU provides affordable banking services, loans, mortgages and free financial education re - sources to help people be more confident with their finances. We partner with VACU, our parent company, to provide our member clients with a “Welcome Home Discount.” This discount is exclusively available to clients of Joyner Fine Properties who engage fully in the cooperative and is an offering unique to our firm.
Welcome Home Discount
MORTGAGE LOAN EXAMPLES
DISCOUNT
$100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000
$600 $1,200 $1,800 $2,400 $3,000 $3,600 $4,200
While Virginia Credit Union members are free to select their own real estate brokerage and title insurance company in connection with their mortgage transaction, we offer our members a voluntary program that includes a discount at settlement equal to a 0.60% of the loan amount up to a maximum of $12,000, not to exceed the lender closing costs. Specifically to qualify for the discount, they must be a Virginia Credit Union member and close their mortgage through Virginia Credit Union, use Virginia Statewide Title Services for title insurance and use an agent from Virginia CU Realty LLC, Virginia Select Realty or Joyner Fine Properties LLC as thier buyer’s agent. Discount void where
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TBD title - Richmond.
Richmond, Virginia speaks for itself. Here, you will find an understated authenticity and a special something that people find hard to define. If you like rich culture, incredible food, deep historic roots, gorgeous natural landscapes, creative spaces and diverse communities, you will love it here. Joyner Fine Properties has been servicing the Greater Richmond Real Estate market for over 50 years and we don’t plan on leaving. We love Richmond and hope you will too.
THE VIRGINIA STATE CAPITOL
JAMES RIVER PARK SYSTEM
MAYMONT
LEWIS GINTER BOTANICAL GARDEN
VIRGINIA MUSEUM OF FINE ARTS
SCIENCE MUSEUM OF VIRGINIA
CARYTOWN
MAIN STREET STATION
RICHMOND FLYING SQUIRRELS BASEBALL
RICHMOND SYMPHONY
ALTRIA THEATER
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Joyner Fine Properties + University of Richmond, partners in Real Estate and Relocation.
Joyner Fine Properties’ relocation and corporate services include: • Dedicated Relocation Counselors • Trained Relocation Agents • Personalized area orientation tours • Home find assistance for both rentals and purchases • Household Goods Move recommendations and counseling • Additional services may be provided upon request •
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Learn more at spiderrelocation.com
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The home-buying process at a glance.
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Talk With Your Joyner Agent The more we know from day one about your needs, preferences for location, price and other features you are looking for, the faster we can find them.
Negotiations When you are ready to make an offer, we will guide you through the process and manage negotiations based on our depth of experience. Inspection Period We will connect you with the finest resources to handle the property inspection, and will help you manage details with your financing partner. Finalize The Sale Our goal is to help ensure your closing is on time and hassle-free! Our trusted settlement partners will cover all the details, and we will congratulate you as we hand you the keys.
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Secure Financing Pre-approval from a financial professional helps set realistic goals and ensures a more successful buying process.
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Find Your Home Here’s where the fun begins! We will show you options and give you access to tools to explore and choose the finest properties on the market.
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WHAT DOES IT MEAN TO BE A LICENSED REALTOR®? Your Joyner Fine Properties REALTOR® is a member of the National Association of REALTORS® and subscribes to its strict Code of Ethics—which is based on professionalism, serving the interests of clients and protecting the public. Working with a REALTOR® mitigates your risk in the buying process.
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We’re here to ensure your home-buying experience never feels overwhelming.
Joyner Fine Properties has been one of the top real estate companies in Central Virginia for 50 years, so our agents know this market inside and out. As you begin to explore houses, we will support you with research and a well-trained eye for potential issues. Some homes have signs of problems you may not see—like structural issues, leaks or design choices that can cause problems for you in the future when it comes to resale. We’ve seen it all, and we’re there every step of the way to help you make an informed choice. When it comes time to make an offer, we’ll ensure you understand the home’s true value. Based on data and experience, we will know if the house you are considering is priced too high or too low, and will help you craft an offer that will make it stand out from other potential buyers.
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Buy confidently with a professional property inspection.
Once the seller has accepted our offer, we will help you arrange for a property inspection.
Through our extensive network of contacts, we can bring in experts on an as needed basis to help address issues such as: • Electrical • Plumbing • Mold • HVAC • Termites & Pests • Fireplace Chimneys & Flues • Irrigation Systems • Pools & Spas • Roofs
Inspectors will point out specific items that should be repaired or replaced prior to closing. They usually provide cost estimates for those repairs, which we will use to help negotiate with the seller to reduce your expenses and make sure your new home is in the finest shape.
• Structural Components • Wells / Septic Systems • Radon Gas
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Financing 101: A step-by-step guide.
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Choose Your Lender You can select your own financing partner, or we can put you directly in contact with our friendly lenders at Virginia Credit Union.
Loan Processing Once your lender has your signed documents and application deposit to proceed, they will order an appraisal and preliminary title work for the property. Guiding you through this stage of the process will be your loan processor, who will work closely with your loan officer. Underwriting And Loan Decision The loan decision involves reviewing the property, your loan application information and documentation, the amount you are requesting and the specific loan program requirements based on your income, debts and assets. You will be notified of the decision as soon as it is available. Once final approval is given, your loan will be prepared for closing. Before your closing with a settlement agent or attorney, they will prepare and send you an initial closing disclosure for your review. This is a statement of loan terms and closing costs, which includes funds you will be receiving and those you may need to provide for closing. They will also prepare your loan documents and send them to the settlement agent/ attorney handling your closing. Document Preparation And Loan Closing
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Select The Type Of Mortgage Your mortgage loan officer will talk with you to learn about your individual situation and help you evaluate your options. You should consider getting pre-qualified for a set loan amount. A pre-qualification letter is an important tool that says to the seller you’re serious about your intent to buy. Apply For Your Loan You should apply as soon as you have a ratified sales contract. A loan estimate disclosure package will be sent to you containing important information and documents for you to review, sign and return to proceed with the processing of your mortgage. This includes your authorization to collect an application deposit that will be applied toward the cost of your loan.
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With your Joyner REALTOR® by your side, closing doesn’t have to be complicated.
CLOSING STEPS • Review and sign
CLOSING DOCUMENTS • Closing disclosure.
AFTER THE CLOSING After the settlement, your
This includes an itemized listing of the final fees and other costs charged in connection with your loan. These numbers should correspond to the items listed on the loan estimate. • Note. This is the document you sign to agree to repay your mortgage. The note provides you with the details of your loan, including the interest rate and length of time to repay the loan. It also explains the penalties that you may incur if you fall behind in making your payments. • Deed of trust. This secures the note and gives the lender a legal claim against your property if you default on the note’s terms. The deed of trust restates the basic information contained in the note, as well as details your responsibilities as a borrower.
settlement attorney or settlement agent will record the deed of trust at the local government clerk’s office. This is the legal transfer of the property and may take a day or two after closing to be completed. • Official ownership. After the transaction has been recorded, the settlement agent will wire the funds to those owed money from the sale. It is at this point you become the official owner of the home.
settlement papers. Your settlement attorney or settlement agent reviews the closing disclosures and other documents with you, answers any questions you may have and asks you to sign various documents. • Pay closing costs. If everyone agrees that the papers are in order, you or the seller submits a cashier’s check to the settlement agent to cover closing costs and your down payment, if applicable. • Wire funds. Some settlement attorneys or settlement agents request that funds be wired prior to the closing date. Be sure to ask in advance to verify the method of payment, to allow time for you to arrange a wire transfer if needed. • Receive keys. You receive the keys to your new home. Congratulations!
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Time to start packing—your move-in date is fast approaching!
One Month Before Moving q Change your mailing address with: 4 US Postal Service 4 IRS 4 Your insurers 4 Your bank 4 Any creditors q Line up services for the new home such as: 4 Internet/cable 4 Lawncare services 4 Home security q Hire a moving company q Transfer medical and school records
Two Weeks Before Moving q Cancel utility services for the day after your move, or arrange for transfer of utilities to your new home q Purchase packing supplies such as: 4 Boxes 4 Tape 4 Packing paper 4 Bubble wrap q Create a master list of items to be packed q Consolidate unwanted items and consider donating them
One Week Before Moving q Contact your moving company to confirm the reservation q Gather any important documents and pack them separately with you q Transfer prescriptions if necessary q Order checks with your new address q Send change of address notices to family and friends
On Moving Day q Pack a small suitcase with a
change of clothes and toiletries
q Supervise the movers and confirm arrival time at your new home q Be waiting at the property to direct movers with items q Unpack and inspect any valuable fragile items for damage q Celebrate!
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The finest agents. The finest expertise. The finest service.
In addition to our home-buying services for helping you find the finest home in Richmond, Joyner Fine Properties offers the same level of expertise for: • Residential home sellers • Relocation services
• Commercial sales and leasing • Property management services
Learn more today by visiting us at joynerfineproperties.com
The Relocation Team
Melanie Roupas REALTOR® RELOCATION & STRATEGIC GROWTH ADVISOR
Name REALTOR® TITLE
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The finest agents. The finest expertise. The finest service.
In addition to our home-buying services for helping you find the finest home in Richmond, Joyner Fine Properties offers the same level of expertise for: • Residential home sellers • Relocation services
• Commercial sales and leasing • Property management services
Learn more today by visiting us at joynerfineproperties.com
The Relocation Team
Melanie Roupas REALTOR® RELOCATION & STRATEGIC GROWTH ADVISOR
Name REALTOR® TITLE
Name REALTOR® TITLE
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Offices:
RICHMOND Hancock Village 14520 Hancock Village St. 2nd Floor Chesterfield, VA 23832 804-267-5478 Maple 319 Maple Ave. Richmond, VA 23226 804-270-9440 Midlothian 15764 WC Main St. Midlothian, VA 23113 804-270-9440 Reynolds Crossing 6641 West Broad St. Suite 101 Richmond, VA 23230 804-270-9440 West Broad 10136 West Broad St. Glen Allen, VA 23060 804-270-9440 Westhampton Commons 5820 Patterson Ave. Suite 201 Richmond, VA 23226 804-270-9440
FREDERICKSBURG Cosner East 4531 Spotsylvania Parkway Fredericksburg, VA 22408 540-376-6305
COMMERCIAL Joyner Commercial 6641 West Broad St. Suite 101 Richmond, VA 23230 804-270-9440
PROPERTY MANAGEMENT Joyner Property Management 6641 West Broad St. Suite 101 Richmond, VA 23230 804-270-9440
JFP12/23
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