Spider Relocation and Valued Employee Program
Congratulations on your employment with University of Richmond!
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, and that passion, combined with a deep-seated knowledge of this area, 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 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. As a subsidiary of Virginia Credit Union, we can readily connect you with a complete suite of financial services beyond home financing, including insurance and title services.
And for over 30 years, we have been a part of the Spider community, supporting Richmond’s academics, athletics and providing incoming and current employees customized real estate savings programs.
John Stone President Joyner Fine Properties
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Spider relocation and Valued Employee Program.
Our independence and 50-plus year commitment to the community mean we take serving our clients’ needs very serious and strive to deliver the finest expertise and service. Joyner Fine Properties’ relocation services include: • Trained relocation agents • Area tours for individuals and groups • Custom relocation package and home search portal • Connections with lenders, financial services and vendor resources Our partnership also includes the Valued Employee Program, where University of Richmond employees may earn a 20% rebate from the purchase or sale of any closed transaction. This rebate is offered to both incoming and current faculty and staff. Joyner Fine Properties will also make a donation to a Richmond Scholarship Fund for each closed transaction.
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We’ve been a part of the Spider community for over 30 years.
Joyner Fine Properties is proud to support both Spider academics and athletics. Being the University’s Real Estate and Relocation Partner, we are committed to providing personalized solutions to suit real estate needs for both incoming and current employees. Plus you will see us cheering on Spider football and men’s and women’s basketball! In 1989, Virginia Credit Union, our parent company, merged with University Credit Union, offering expanded services and benefits to their University of Richmond employee membership. Today, close to 1,000 Richmond employees and retirees are members of Virginia Credit Union.
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Spider partners.
In 2019, Virginia Credit Union acquired Joyner Fine Properties, one of central Virginia’s leading real estate firms, expanding the range of real estate services VACU offers its members and prospective members.
Virginia Credit Union is a financial cooperative serving more than 320,000 members and provides a variety of affordable banking services, loans, mortgages and free financial education resources to help people be more confident with their finances. Virginia Credit Union
Virginia Credit Union Insurance Services offers a complete line of insurance solutions from top-rated carriers offering asset protection for the best prices. Their insurance products include Homeowners/ Condo, Automobile, Renters, Motorcycle, Boat, RV, Flood, Wedding, Pet, Business and Umbrella liability coverage. Virginia Credit Union Insurance Services
Virginia Statewide Title Services
Virginia Statewide Title Services, LLC (VSTS) is an affiliated business of Virginia Credit Union and Bon Air Title and was created to help Virginia Credit Union members with their title insurance needs. VSTS has extensive experience insuring property and offers affordable, one-time premiums to protect against defects in the property title.
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Customized savings programs.
Incoming and current Richmond employees can utilize and combine two real estate savings programs.
Valued Employee Program
To be eligible for the rebate, Richmond employees must enroll in the Valued Employee Program prior to engaging and contracting
with a Joyner Fine Properties REALTOR®. Visit spiderrelocation.com to register.
Sales price Joyner commission (3%) * 20% rebate to Richmond employe
$500,000 $15,000 $3,000
Welcome Home Discount When you get a Virginia Credit Union home loan, work with a Joyner Fine Properties REALTOR® and use Virginia Statewide Title Services for your title insurance – you could be eligible for the Welcome Home Discount.**
Discount $600 $1,200 $1,800 $2,400 $3,000 $3,600 $4,200
Loan Amount $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000
Combined Savings Sales price Joyner commission (3%) 20% rebate to Richmond employee Welcome Home Discount Total Savings
$500,000 $15,000 $3,000 $2,400 *** $5,400
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LeadingRE outperforms national franchises.
U.S. HOME SALES | Volume shown in Billions of Dollars
$353
Keller Williams
$312
Coldwell Banker
$233
Sotheby’s International Realty
$124
Berkshire Hathaway HomeServices
$120
RE/MAX
$97
Century 21
$32
HomeSmart International
$30
Corcoran
$24
United Real Estate
$21
Realty One Group
$18
ERA
$12
Better Homes and Gardens
$12
This bar chart is sourced from the 2023 RealTrends 500, showcasing production for 2022. Accessible via realtrends.com
TOTAL U.S. PROPERTIES | Over $1 Million
13,578
sothebysrealty.com
9,744
compass.com
7,565
coldwellbankerluxury.com
5,350
christiesrealestate.com
2,699
engelvoelkers.com
1,584
kwluxuryhomes.com
647
theagencyre.com
627
Source: Scott Business Consulting June 2023. 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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Local roots. Global reach.
With over 50 years of presence in the Richmond region, our experience and reach is unmatched. But our capabilities extend far outside the area. As a member of the Leading Real Estate Companies of the World®— an invitation-only program—we have access to a global network of more than 138,000 real estate professionals in more than 70 countries worldwide. And their luxury division, Luxury Portfolio International®, attracts a global audience by marketing over 50,000 of the world’s most remarkable homes.
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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, helping to secure the best possible terms for you. Inspection Period We will connect you with the finest resources to handle the property inspection, with a possible renegotiation based on those results. Finalize The Sale Our goal is to help ensure your closing is on time and hassle-free! Our trusted settlement partners will handle 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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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 the friendly mortgage loan officers at Virginia Credit Union. 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. An initial disclosure package, which includes a loan estimate, 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 starts the mortgage process.
Loan Processing Once your mortgage loan officer 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 a conditional approval as soon as it is available. Once final approval is given, your loan will be prepared for closing. Document Preparation And Loan Closing Before your closing with a Virginia Statewide Title Services (VSTS) attorney, the lender’s closing department 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 receive and those you may need to provide for closing. They will also prepare your loan documents and send them to the settlement attorney handling your closing.
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With your Joyner REALTOR® by your side, closing doesn’t have to be complicated.
AFTER THE CLOSING After the settlement, your
CLOSING DOCUMENTS • Closing disclosure.
CLOSING STEPS • Review and sign
VSTS settlement attorney 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 VSTS settlement attorney will wire the funds to those owed money from the sale. It is at this point you become the official owner of the home.
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 papers. Your VSTS settlement attorney 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 VSTS settlement attorney to cover closing costs and your down payment, if applicable. • Wire funds. Some settlement attorneys 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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The home-selling process at a glance.
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Market Your Listing Sales don’t just happen on their own. They take thoughtful and comprehensive marketing strategies across multiple channels. We will manage that for you. Show Your Home To Buyers The more buyers who see your home, the better your chances for a quick and successful sale. We know what it takes to deliver showings. Negotiate Price & Terms Joyner agents have a long history of getting higher-than-average prices for our listings. We will help you review all offers and negotiate on your behalf. Settlement Once the contract is signed, our support team of over 40 professionals will work with your agent to ensure your contract closes on time, with as little stress as possible.
Partner With Your Joyner Agent With more than 180 highly motivated agents in Central Virginia, it’s easy to find the right combination of personality and expertise to meet your needs. Determine Your Goals Your Joyner Fine Properties agent will work with you to understand your goals and begin to build a home sales plan to help achieve them. Price Your Home To Sell Pricing your home correctly is the most important step in the process. We will work with you to determine the right pricing strategy for your property in today’s market. Prepare For The Sale We may recommend making some changes, cleanups or repairs to help improve the appeal of your home to buyers. We know what buyers want, and we make sure we present your home accordingly.
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Move Out! We can’t wait to help you make your transition to a new home.
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Your house needs a unique marketing plan. We’ve built thousands of them.
With housing inventory continuing to be a challenge—and with more competition than ever for buyers’ attention—a smart, comprehensive marketing plan is crucial to your success. Our marketing approach will put your listing in front of as many buyers as possible. We invest heavily in digital marketing, social media, email marketing, direct mail, print advertising and additional non-traditional marketing tactics to give your house the reach it needs to drive showings. Our own teams of photographers and videographers create compelling content that engages potential buyers. And as one of the top-ranked real estate companies in Richmond, Virginia— year after year—Joyner Fine Properties, has the buying power to get your home listed on local, regional and national websites such as the ones shown here.
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Time to start packing—your move-in date is fast approaching!
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
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 Lawn care 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
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 relocation services, Joyner Fine Properties offers the same level of expertise for: • Residential home sellers and buyers • Commercial sales and leasing • Residential property management services
Learn more today by visiting us at joynerfineproperties.com
*The rebate amount may vary based on actual commission earned.
**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 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 Joyner Fine Properties, LLC as their buyer’s agent. Discount void where prohibited. Certain restrictions apply. Not available in all areas.
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***Welcome Home Discount based on 80% financing of a $500,000 sales price.
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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 804.270.9440
RELOCATION Joyner Relocation 6641 West Broad St. Suite 101 Richmond, VA 23230 804.408.9790 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
© 2024 Joyner Fine Properties JFP 03/24
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