Smart Homeowners ProgramSM Member Registration | Home Appraisal Online

Smart Homeowners ProgramSM Member Registration Home Appraisal Online 300x216 Smart Homeowners ProgramSM Member Registration | Home Appraisal Online

A home appraisal online, conducted by a third party, is yours when you become a member of I Just Joined.

When you’re ready to become a member of I Just Joined, you’ll be happy to know that you’ll get your home appraisal online. I Just Joined is a unique opportunity for you, as a homeowner, to make a little money for nothing more than agreeing to use a particular network of real estate professionals in the event that you decide to sell your home. Knowing that you don’t even have to admit a stranger to your home, but instead can have a home appraisal online, just sweetens this already remarkable deal.

To qualify for the Smart Homeowners Program℠ at IJustJoined.com, you simply have to meet a few requirements. First, you have to be a homeowner, with a home valued at $100,000 or more. Then, your home must not be “underwater,” which is to say that the value of the home must be greater than the amount of the outstanding mortgage. Finally, your FICO® score must be 650 or above. That’s all there is to it! You’ll have your home appraisal online, through third party fair market value analysis of similar homes in the area, and no one from I Just Joined will visit your home.

Once you’ve given I Just Joined your information, and had your home appraisal online, you’ll be a Smart Homeowners Program℠ member, and you’ll receive somewhere between $300 and $10,000 worth of gift cards, over the first five years of membership. Your only obligation in all of this: simply agree that if you ever decide to sell your home, you’ll do it through I Just Joined’s network of Cooperating Real Estate Brokers. There’s no commitment to sell your home, you don’t have to sell it unless you want to, and there’s no pressure from I Just Joined. We simply require that if you do decide to sell, you use a member of our extensive network as your broker.

This deal may seem too good to be true, but it’s not! If you’re ready to see all that I Just Joined has to offer, or to find out how to get your home appraisal online, visit IJustJoined.com. You can also connect with the online community, and see what other homeowners are saying about the program, by visiting the I Just Joined Facebook page.

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Looking To Sell Your Home? | I Just Joined

Looking To Sell Your Home I Just Joined 300x200 Looking To Sell Your Home? | I Just Joined

I Just Joined is perfect for a homeowner looking to sell a home— now, or sometime in the future.

If you want to sell your home, I Just Joined may have just the program for you! The Smart Homeowners Program℠ from I Just Joined pays homeowners simply for agreeing to list their homes through the Cooperating Real Estate Brokers network, so if you’ve already decided to sell, this may be the perfect time to join. You may even want to use the gift cards you receive from I Just Joined to spruce up your house and make it more appealing to potential buyers.

So, how does it work? It’s very simple. If you have a home that is worth at least $100,000, with a value that exceeds the outstanding mortgage you owe, and your FICO® score is at least 650, you’re eligible to be a member of the I Just Joined Smart Homeowners Program℠.  Once you’re a member, you’ll receive between $300 and $10,000 worth of gift cards, usually over the first five years you’re enrolled. If you’re selling your home right away, however, you’ll get your gift cards much sooner: all of the member reward money will be paid within 30 days of your closing date.

Of course, if you’re selling your home right away, you probably have questions about the Cooperating Real Estate Brokers in the I Just Joined network. Every homeowner wants to choose the best possible agent to help sell his or her home, and with our network, that’s just what you get. As a member of the Smart Homeowners Program℠, you’ll select a local licensed Real Estate Broker from our network. These are some of the top real estate brokers in the country, with more than five thousand offices and more than 250,000 licensed agents. The network is always expanding, and if you ever decide you’d like to change brokers, it’s easy to pick a different one.

The commission rate for selling your home will be in keeping with the rates in your local real estate market, and the process for selling your home will be the same as with any other broker. The only real difference between choosing to sell your home through I Just Joined, and choosing a broker on your own, is that with I Just Joined, you’ll be rewarded with gift cards for your loyalty. If you decide you’d rather not use one of our brokers, you’ll simply exercise an early termination option by paying us 1.2% of the sale price if and when your home sells.

Perhaps the best part of the I Just Joined Smart Homeowners Program℠ is that there’s never any pressure.  No one comes to your home to assess its value, and you’ll never be compelled to sell your home; you only sell if you decide that you want to do so. All of the decisions are yours, but just for agreeing to sell through our network, you’ll reap the rewards of membership. Visit IJustJoined.com for more information.

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Determining Your Home’s Market Value | Home Values

Determining Your Homes Market Value Home Values 300x220 Determining Your Homes Market Value | Home Values

Home values are determined for members of the I Just Joined Smart Homeowners Network Program℠ members through third- party analysis.

As anyone who follows the real estate market knows, home values can fluctuate widely over time. To become a member of the I Just Joined Smart Homeowners Network, you must have a home worth at least $100,000, and valued at more than the outstanding mortgage. So how are the home values of Smart Homeowners Program℠ members determined? The process is simple, and it never involves anyone from I Just Joined visiting or inspecting your home.

For those in the Smart Homeowners Program℠, home values are determined by third party fair market analysis, which helps to fairly and accurately price homes for sale. What is a fair market analysis? Also known as comparative market analysis, it’s a detailed report that examines homes on the market now, those that are under contract, have already sold, or whose listings have been withdrawn or canceled. By looking at all these factors, home values for the area can be determined.

  • Current listings are a good source of information about how homes are being priced in your neighborhood. By knowing what other homeowners are asking for their homes, you can get a good idea of how to price yours.
  • Properties under contract are referred to as contingency sales. Even if an offer has been made and accepted, the seller can decide to keep marketing the property during the loan and inspection period. Looking at contingency sales shows how quickly offers are made and accepted in the current market.
  • Once the loan and inspection period is over, contingencies are removed and a sale becomes known as a pending sale. This means that both buyer and seller believe that all the conditions have been met, and they are waiting for the final closing date. Knowing the days between a listing and a pending sale shows the typical selling cycle, so that you can gauge the best time to put your home up for sale.
  • Houses that have already sold are the best measure of current pricing. By looking at the selling prices of similar homes over time, you can see which direction the market is heading, and gain a better understanding of how to price your home for a profitable, speedy sale.
  • While it might not seem so, expired, canceled, and withdrawn properties are pertinent too. They are a good reflection of unrealistic expectations, and can let a potential seller know the pitfalls to avoid.

Because home values fluctuate, you’ll want to wait until the perfect time to put your home on the market. With I Just Joined, there’s never any pressure to list your home; you sell only if you want to, when the timing is right for you. Visit IJustJoined.com to learn more, and see if the Smart Homeowners Program℠ is right for you.

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Top Landscaping Tips for the Fall Season | I Just Joined

Top Landscaping Tips for the Fall Season I Just Joined 300x200 Top Landscaping Tips for the Fall Season | I Just JoinedThe real estate professionals in the I Just Joined network know a few things about curb appeal. Whether you’re planning to sell your home next week, or at some other point in the future, it’s important to keep your yard well maintained and looking beautiful. During this fall season, put in a little extra effort into your yard, to make a gorgeous gathering spot for fall festivities while preparing it for new growth in the spring. Here are some tips for making it happen, from I Just Joined.

Focus on showing off your home. Particularly if you’re preparing to sell your home, choose landscape elements to showcase its beauty. The fall is a beautiful time of year, with bright colors blazing, so utilize those brilliant hues in container gardens and other landscaping elements that will frame your home with flash.  Here are a few ideas:

  • Container gardens are a moveable feast. Whether prim or raucous, container gardens are a treat for the eyes. Choose a variety of flowers, greens, and herbs, in complementary colors, to show off your style in a container that you can bring inside to save from the first frost.
  • Some colors are at their best in the fall. Consider the brilliant orange foliage of the Japanese maple, the deep purple or bright white berries on a beautyberry bush, the dusky plums of Alternanthera “Purple Knight,” or the pink blooms of the joepye, which also attracts beautiful butterflies from midsummer until first frost. If flowers are more your style, the fall is full of them, from to marigolds to sunflowers to zinnias.
  • A landscape element doesn’t have to be a plant. Outdoor entertaining is great fun in the fall, and you can spruce up your yard space with exciting elements like a fire pit, patio, or pergola.
  • Remember to think ahead to spring. Adding organic elements and fertilizer to your soil in the fall will help ensure fertile ground when it comes time for springtime planting.

If you’re looking for landscaping tips because you’re thinking of selling your home, now may be a perfect time for you to become a member of the I Just Joined Smart Homeowners Program℠. Just for agreeing to list your home with a broker from the I Just Joined Cooperating Brokers Network, you’ll receive between $300 and $10,000 in gift cards—a perfect source of funding to add curb appeal to your home! Even if you don’t want to sell anytime soon, I Just Joined is a great program, because you’ll get the gift cards whether you ever decide to sell or not. Visit IJustJoined.com for more details, or connect with other Smart Homeowners on Facebook.

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What Calculates a FICO Score?

What Determines a FICO Score 300x200 What Calculates a FICO Score?

FICO score calculation is discussed by IJustJoined.com.

Your FICO® score is important, whether you’re buying a home, selling a home, or just trying to open a line of credit. Knowing that your credit is in good standing means having the ability to do the things you want to do. But do you know how a FICO score is calculated?

First, what is a FICO score, and why is it important? The FICO score is the most commonly known and widely used method in the United States to determine a person’s creditworthiness. Calculated from many different pieces of data found in your credit report, both positive and negative, the FICO score gives lenders an indication of whether you’re a good credit risk. According to myfico.com, the factors considered in calculating the FICO score vary in importance, even from person to person, but their general weight can be indicated by percentages:

  • Payment history is the most important factor in determining the FICO score, weighing in at 35%. One of the most important things for lenders to know is whether you have a demonstrated history of paying your bills and other accounts on time.
  • Amounts owed weighs in around 30%. Lenders also want to know how much money you owe, and they want to know how much of your available credit you’ve used. If all of your accounts are maxed out, it doesn’t make you attractive to lenders.
  • Length of credit history is the third most important factor, coming in at about 15%. A long credit history is favorable, but the FICO score also takes into consideration the age of your oldest account, the age of your newest account, and the average age of all of your accounts. In addition, how long specific accounts have been established is considered, as is how long it has been since you’ve used them.
  • Types of credit and amount of new credit are about equal in importance, somewhere in the neighborhood of 10% each. Lenders want to know what kinds of credit you have, including credit cards, mortgage loans, retail accounts, installment loans, and finance company accounts. This information is primarily going to be important if your credit report doesn’t have much other data, and it’s not necessary to have each type of account; what matters is that you’ve used your accounts responsibly. New credit matters, especially if you don’t have a long credit history, because opening many accounts in a short period of time might indicate that you’re a credit risk.

Your FICO score is important whether you’re buying a house, opening a line of credit, or just want to be part of the Smart Homeowners ProgramSM at IJustJoined.com. If you’re concerned that your FICO score is not what it should be, however, don’t despair. By diligently working to pay your bills on time and reduce the amount of money that you owe, you’ll be able to improve your credit score over time.

FICO is registered trademarks of Fair Isaac Corporation.

 

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Climbing the Market Value Ladder | Adding Value to Your Home

Climbing the Market Value Ladder Adding Value to Your Home 300x200 Climbing the Market Value Ladder | Adding Value to Your Home

Adding value to your home can help sell it through the Cooperative Broker Network from IJustJoined.com.

When you’re getting ready to put your home on the market, it’s important to find ways of adding value to your home. You want your home to be worth as much as possible before you list it for sale, but it is sometimes hard to determine how much you should spend to get the best results. Fortunately, there are some improvements likely to accomplish your mission of adding value to your home. These improvements can deliver the extra impact that you need to attract buyers, or they might just make your home a better place to live until you are ready to sell.

  • Make your basement more livable. Is your basement simply unused space? By finishing it and creating an entertainment area, you can wow your guests and potential buyers. Consider adding a bar area, and some seating, for a great place to bring company.
  • Create an outdoor living space. This is as simple as adding a deck to your home, but it can really add value. In fact, a homeowner who adds a deck can expect to recoup on average about 76 percent on the cost, as long as the deck is the right size. As a general rule, limit the size of your deck to no more than one-third the size of your home, and make sure it is similar to other decks in your neighborhood.
  • Adding value to your home may mean updating your bathrooms. You may be tempted to expand an existing bathroom or add a new one altogether, but don’t do this by adding on to your house. Rather, try to find extra square footage by taking space from a closet or spare room. Updating fixtures and tile can make a big impact on the value of your home, and even small changes, like changing décor or linens, can change the way buyers perceive your bathroom.
  • Painting is an easy and very inexpensive way to change the look of your home. You can dramatically improve your interior with the right paint job, but be careful: an amateurish application or a paint color that’s too unusual can actually detract from your home’s appeal.
  • Expanding upward is a good option for adding value to your home. Do you have attic space, perhaps above your garage that can be converted into a bedroom? Alternatively, is it possible to add a second story to your house? These upward expansions can add not only intrinsic value, but also curb appeal.
  • Don’t get too personal. You might think that you’re adding value to your home through extensive customization, but the truth is, buyers need to be able to visualize the home as belonging to them. Keep color schemes neutral, and strive to keep rooms tidy and furnished minimally. The key is to show there is plenty of space that is versatile enough to accommodate prospective buyers’ needs.
  • Update your kitchen for major impact. Gourmet kitchens and stainless steel appliances are very appealing. However, replacing wallpaper and light fixtures that are outdated can make a significant difference in the value of your kitchen. Kitchens are a major selling point, so if you can only improve one room, focus your efforts in the kitchen.
  • Believe it or not, new siding is one of the best ways to increase your home’s value. If your siding is making your home look like a “fixer-upper,” it will reduce your curb appeal and make the house less likely to sell at your asking price. Use good siding that’s attractive and low maintenance, and you’ll be surprised how much it revives interest in your house.

Adding value to your house can be pricey, but did you know there’s a program through which you can earn money just by being a homeowner? With I Just Joined’s Smart Homeowners ProgramSM, you can earn between $300 and $10,000 in major brand gift cards just for agreeing to use your choice from our Cooperating Broker’s Network if and when you decide to sell your house. Visit IJustJoined.com for more information, and you could soon be using those gift cards to increase your home’s value.

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Smart Homeowners Program℠ Rewards | Value of Your Home

Smart Homeowners Program℠ Rewards Value of Your Home 276x300 Smart Homeowners Program℠ Rewards | Value of Your Home

The value of your home is a key factor in determining the amount you receive in I Just Joined Smart Homeowner rewards.

The value of your home is an important factor for many reasons. When you’re buying a home, of course you’ll pay special attention to its value before you make an offer. Once you buy it, you’ll probably take action to increase the value of your home, because you’ll want it to be at the height of its worth when you sell it. So, too, the value of your home is a factor when you enroll in the I Just Joined Smart Homeowners Program℠.

The Smart Homeowners Program℠ from I Just Joined actually pays homeowners for joining. If the value of your home is at least $100,000, the value exceeds the outstanding mortgage, and your credit score is at least 650, then you’re eligible to become a Smart Homeowner! All you have to do is agree that, if you ever decide to sell your home in the future, you’ll use a broker from the I Just Joined network of Cooperating Real Estate Brokers. It’s as simple as that! Once you’ve joined, you’ll receive gift cards for the first five years you’re a member, just for being a member.

How much money are those gift cards worth? It all depends on the value of your home. The amount you’ll receive in the Smart Homeowners Program℠ ranges from $300 to $10,000, and it all depends on how much your home is worth.

  • For a home valued between $100,000 and $149,000, the homeowner will receive 3 gift cards valued at $100 each, for a total of $300.
  • If the value of your home is between $150,000 and $299,999, you’ll receive 5 gift cards with a value of $100 each, for a total of $500.
  • A homeowner whose home is worth $300,000 to $499,999 will get a $200 gift card each year for 5 years, for a total of $1,000.
  • A home valued between $500,000 to $999,999 nets the homeowner 5 $400 gift cards, for a total of $2,000.
  • If your home is worth $1,000,000- $4,999,999, you’ll receive $800 gift cards each year for 5 years, for a total of $4,000.
  • If the value of your home exceeds $5,000,000, you’ll receive a total of $10,000, in the form of $2,000 gift cards, once a year for 5 years.

That’s all there is to it! You can earn up to $10,000, just for agreeing to use the I Just Joined network of Cooperating Real Estate Brokers if you decide to sell your house. You pay nothing, there are no hidden fees or charges, and you are never under any obligation to sell your house. Visit IJustJoined.com today to learn more!

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Receive up to $2,000 or more just for Pre-Selecting Your Real Estate Broker | Smart Homeowners Program℠

Receive up to 2000 or more just for Pre Selecting Your Real Estate Broker Smart Homeowners Program 300x203 Receive up to $2,000 or more just for Pre Selecting Your Real Estate Broker | Smart Homeowners Program℠

Sell your home through a participating real estate broker in the Smart Homeowners Program℠… it’s a smart way to get paid just for being a homeowner.

What if you could get paid up to $2,000 or more for simply agreeing to use one of our cooperating real estate brokers if you sell your home in the future? Is it possible to get paid just for being a homeowner? With Smart Homeowners Program℠, that’s exactly what occurs!

We created this exciting program to pay homeowners like you for doing nothing more than agreeing to use one of our cooperating real estate brokers, selected by you, if you decide to sell your home in the future. That’s all there is to it. If you own a home worth more than $100,000, and you are not under water on your mortgage, and your credit score is 650 or above, you are eligible to join the Smart Homeowners Program℠.  Once you join, you will receive gift cards each year for the first five years, worth anywhere from $100 to $2,000, depending on the value of your home. In essence, we pay you to be a member of our community of smart homeowners, and all you have to do is agree to use one of our real estate brokers if you decide to sell your home in the future.

The best news? When you join the Smart Homeowners Program℠, you pay $0 to join, and there are no membership fees, and you never have to sell your home. You will still receive your guaranteed annual payments for being a member even if you never sell your home.

If you’re interested in getting paid up to $2,000 or more to be a member of our program, you should check out IJustJoined.com. Visit the website for more information, read the blog, and be sure to check out the IJustJoined Facebook page as well. There, you can connect with other smart homeowners, and by liking the page you’ll be letting your friends know about this amazing offer— for each of your friends who join we’ll pay you an additional $50. We are excited to provide this opportunity to our homeowner members, and are thrilled to be growing a huge community of smart homeowners. We hope you join us today, and please tell all your friends who own homes, “I Just Joined!”.

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