Jocelyn “Joy” Racaza is a licensed real estate salesperson and housing specialist with Philtropics Realty & Brokerage – Cebu, offering house & lot and assume-balance properties around Lapu-Lapu City.
Joy at a glance
Licensed salesperson, Lapu-Lapu City
Since 2011
With Philtropics Realty & Brokerage – Cebu
3.4K
Followers on Facebook
Lapu-Lapu
City, Cebu: where she lives and sells
Whether you want a smaller upfront payment or a home you can move into right away, Joy can help you find the right fit around Lapu-Lapu City.
Assume / Pasalo
Take over a home with an existing Pag-IBIG or bank loan. Pay a smaller amount upfront, then continue the monthly amortization.
House & Lot
Two-storey house & lot units in subdivisions around Lapu-Lapu City, from bare units you can finish your way to homes ready for occupancy.
Move-in ready
Finished homes for buyers who want to move in without renovating first, with the details and features laid out before your viewing.
Joy shares how to apply for a Pag-IBIG housing loan and how an existing loan balance affects what you pay each month.
Around Lapu-Lapu City, Cebu
From finding the right house & lot to taking over an existing Pag-IBIG loan, Joy handles residential properties in and around Lapu-Lapu City.
Residential properties around Lapu-Lapu City, from Babag near CCLEX to Marigondon.
Tell Joy your budget, preferred area and the kind of home you need, and she’ll point you to properties that fit.
Understand the downpayment, remaining loan balance and monthly amortization before you decide.
Not sure how an assume deal or a Pag-IBIG loan works? Ask Joy by call, text or Facebook message.
Schedule a visit to see the property in person before you commit.
Every property Joy posts spells out the lot and floor area, price, downpayment, remaining balance and monthly amortization.
Tell her what you’re looking for, or ask about a property you saw on her Facebook.
Book a site viewing and go over the price, downpayment and monthly amortization.
Settle the downpayment and complete the paperwork, including Pag-IBIG approval for assume properties.
The usual path for an assume house & lot.
Call, text or Facebook message
See the home in person
As agreed for the property
Assumption or repurchase
Start paying the monthly amortization
Typical steps. Exact requirements vary per property.
Pag-IBIG Fund housing loans
Licensed Real Estate Salesperson / Housing Specialist
Joy has been with Philtropics Realty & Brokerage – Cebu since December 2011. She is a registered, licensed real estate salesperson and an entrepreneur based in Lapu-Lapu City, where she lists house & lot and assume properties in Babag, Marigondon and nearby areas. She studied at Central Negros College in San Carlos City, Negros Occidental.
Registered real estate salesperson with Philtropics Realty & Brokerage – Cebu.
She lives in Lapu-Lapu City, the same area as the homes she lists.
Price, downpayment, loan balance and monthly payment, stated up front.
From assume units with a smaller downpayment to move-in ready family homes.
Lists assume properties and shares how to apply for a Pag-IBIG housing loan.
Call or text 0928-935-5766, or message her on Facebook.
You pay the stated downpayment to the current owner and take over the remaining Pag-IBIG housing loan, continuing the monthly amortization. The transfer is subject to Pag-IBIG approval for assumption or repurchase.
Joy is based in Lapu-Lapu City, Cebu. She works with homes around the city, including Babag near CCLEX and Marigondon.
Call or text Joy at 0928-935-5766, or send her a message on Facebook, to set a viewing date.
Joy is a licensed real estate salesperson and housing specialist with Philtropics Realty & Brokerage – Cebu, where she has worked since December 2011.
Joy posts new properties on her Facebook page. Follow her there, or call or text 0928-935-5766 to ask what’s available right now.
Have a question about a property? Message Joy on Facebook.
Send a message
Call or text Joy to ask what’s available or to book a site viewing in Lapu-Lapu City.
Call 0928-935-5766
