Annemarie Torcivia - RE/MAX  Trinity



Posted by Annemarie Torcivia on 3/30/2020

Photo by: Sebastien Gabriel via Unsplash

You have a great trip planned, but you want to bring all your friends and family along with you. Well, let technology help. You don’t have to be a celebrity or a tech genius to enjoy documenting your travels. You can preserve your travel memories as they happen and keep everyone up-to-date back at home with videos, pictures and journal entries. Utilize your social media accounts or keep it a private, closed group. No matter the destination or mode of transportation, applications on your cell phone make sharing and saving your travel experiences simple.


Choose the One for You

How do you choose which app is right for you? Do you know anyone who has experience documenting their travels? Ask around and see who in your circle of influence can make recommendations. Get online and do some research of your own. Your phone app store is a great place to start. Be sure to read the reviews that pertain to each particular app. When traveling internationally, make sure that you will have access to the internet to post anything you want to share. Also, watch for ease-of-use from the reviewers.

Take it for a Spin

Once you have decided which application you are going to use, download it and give it a test run. Before you travel, recruit a few friends or family members to help you out as a test audience. Now, document your daily routine for a few days and see if you like how this app displays or functions, and determine its ease of use.
Does it have all the features that you would like? For example, do you want to live-stream some of your trip? Do you want to upload several pictures at once? Does it have a journaling area where you can document your thoughts and feelings about your trip? Then as you use it, ask your friends and family to give you feedback. Do they find it easy to get the updates and see your pictures and comments? Or do they find that they get too many notices when you post? This allows you to see whether the app is a good fit.
Sharing your travels with those back at home is a wonderful way to bring them along on the adventure.




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Posted by Annemarie Torcivia on 3/23/2020

Having a high credit score is one of the most important and helpful things you can achieve before buying a home. A solid credit history will give you a better chance of being approved for the home loan you want and getting a lower interest rate so that you know you’re getting a good deal on your first home.

But, as any renter can tell you, it can sometimes be difficult to lift your credit score when you’ve got so many other things to worry about.

In today’s post, I’m going to cover the best ways to build credit while renting an apartment so you can lift your score to an amount that will help you achieve your goal of homeownership.

1. Take over the bills

If you live with roommates or with your family, one good way to start building your credit score is to simply put more bills in your name.

If you’re certain that you’ll be able to make on-time payments on them each month, this can be a way to boost your score without much thought.

Keep in mind, however, that not all utility companies report your payments to credit bureaus, so it’s a good idea to check that yours does before putting the bills in your name.

2. Become an authorized user

If taking out new credit isn’t an option for you, becoming an authorized user on someone else’s credit account can help you increase your score.

Be sure to find out whether the credit issuer reports payments for authorized users before taking this step. And, once you’re sure that they do, you can be added to the account without changing anything about your spending.

3. Convince your landlord to report your rental payments

In most cases, rental payments aren’t reported to the credit bureaus. However, it is becoming more common. Check to see if your landlord uses a service like PayYourRent or RentTrack. If not, consider asking them to try it out.

4. Solving the “no credit” problem

Since we all start off with a blank slate in terms of credit history, some renters have the issues of not having enough credit information to start building their score.

If this is the case, it might be a good idea to open your first credit account. But, wait! Before you start racking up debt on your first credit card, take a minute to make a wise plan.

First, don’t change your spending habits just because you have credit. Pick a card that offers rewards in the form of cash back, and only use your card for things like gas and groceries that will help you earn points.

Then, set your card to auto-pay in full each month so that you never start accruing interest. This way, you’ll build your credit score and earn money (in the form of rewards or cash back), making it a win-win.





Posted by Annemarie Torcivia on 3/16/2020

If you plan to sell your house in the foreseeable future, it often helps to declutter. That way, you can eliminate excess items from your house and make it easy for buyers to envision what life may be like if they purchase your residence.

Before you start to declutter, there are several steps that you should follow to achieve the best-possible results, and these are:

1. Consider Which Items That You Want to Keep

One homeowner's treasure is another's clutter, and vice-versa. Thus, you'll want to take a close look at your personal belongings and determine which items are keepers and which items are clutter.

If you find that you have lots of clutter, there is no need to worry. Remember, you can always sell excess items at a yard sale or online. You also may be able to donate various excess items to charity or give them to family members or friends.

2. Examine Clutter in Each Room of Your Home

Clutter rarely is confined to one room of a house. As such, you'll want to closely examine each room of your home and identify all clutter before you list your residence.

Oftentimes, it helps to make a home decluttering checklist that includes each area of your home. This checklist will enable you to take a room-by-room approach to remove clutter and may help you streamline the decluttering process.

3. Evaluate Your Storage Options

Although you likely will find plenty of clutter in your home, you may identify a wide range of items that you want to keep too. At the same time, you probably want to remove as many items from your house to show off the true size and beauty of your home to potential buyers.

Ultimately, it helps to evaluate storage options prior to decluttering. This will ensure that you have plans in place to store myriad items as you start to remove clutter from your house.

Many home sellers choose to rent storage units for their personal belongings. These units generally can be rented on a monthly basis and enable home sellers to keep their belongings safe until their houses are sold. Furthermore, it may be beneficial to pick up storage bins to temporarily store myriad belongings in your house's attic or basement.

If you need extra assistance as you prepare to declutter your house, it frequently helps to reach out to a real estate agent. This housing market professional can offer expert decluttering tips, as well as guide you along the home selling journey.

A real estate agent will set up home showings and open house events, negotiate with a buyer's agent on your behalf and much more. Therefore, with a real estate agent on your side, you can increase the likelihood of a quick, profitable home selling experience.

Ready to declutter and list your residence? Follow the aforementioned steps, and you can eliminate clutter and move closer to selling your house.





Posted by Annemarie Torcivia on 3/9/2020

If you plan to sell your home, it may be helpful to prepare for a difficult negotiation with a homebuyer.

Although your home may be in great shape and you've set a fair price for it, there are no guarantees that you'll be able to avoid a long, complex home selling negotiation. However, a home seller who prepares for a difficult negotiation now may be better equipped than others to remain calm, cool and collected throughout the home selling journey.

Now, let's take a look at three tips that home sellers can use to get ready for a difficult negotiation.

1. Assess the Housing Market Closely

A home seller who sets a competitive price for his or her residence may be able to avoid a complicated home selling negotiation entirely.

To determine a fair price for your house, a property appraisal is ideal. During this appraisal, a property inspector will evaluate your home's interior and exterior and help you identify any problem areas. Then, you can complete assorted home improvement projects and price your house accordingly.

Furthermore, it is important to assess the prices of comparable houses in your area. With this housing market information at your disposal, you can enter a home selling negotiation with data to support your arguments.

2. Understand Your Home Selling Goals

How a home seller approaches a negotiation may vary based on his or her goals.

For example, a home seller who needs to move out of a house as soon as possible may be willing to go above and beyond the call of duty to satisfy a property buyer's requests. By doing so, this home seller can speed up the property selling cycle.

On the other hand, a home seller who can afford to be patient may be unwilling to budge on various homebuyer requests.

Consider your home selling goals closely before you enter a negotiation with a homebuyer. And if you feel uncomfortable, you can always walk away from a negotiation and reenter the housing market.

3. Focus on the End Results

A home selling negotiation can become contentious, but it is important to remember the end goals of this negotiation.

Ultimately, a successful negotiation will meet the needs of both a property seller and buyer. If a negotiation heavily favors a homebuyer, a home seller should be ready to exit the negotiation.

A home selling negotiation can be stressful, and you should be ready to take breaks as needed. For example, spending a few minutes meditating or walking outdoors may help you clear your head and reenter a home selling negotiation with a fresh perspective.

Lastly, if you want additional support, real estate agents are happy to help you. A real estate agent knows what it takes to negotiate with homebuyers and will do everything possible to ensure all parties involved in a negotiation get the best results.

Take the guesswork out of a home selling negotiation – use these tips, and you can prepare for a difficult negotiation before you add your house to the real estate market.




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Posted by Annemarie Torcivia on 3/2/2020

As a home seller, it is crucial to do everything possible to prepare for a house showing. Yet determining the best ways to prep for a showing sometimes can be difficult. Fortunately, we're here to help you get ready for any showing, at any time.

Now, let's take a look at three tips to help you plan for a house showing.

1. Upgrade Your House's Curb Appeal

Although a property buyer likely has seen pictures of your house or walked or driven past your residence, there may be no time like the present to upgrade your home's curb appeal. Because if a buyer sees your home's beautiful front lawn and other stunning exterior features on the day of a showing, he or she may instantly fall in love with your residence.

Completing assorted home exterior improvements is crucial to enhance your residence's curb appeal prior to a showing. In fact, performing home exterior tasks like mowing the lawn and repairing damaged siding will help your residence make a positive first impression on potential buyers. Home exterior improvements ultimately may help you accelerate the property selling journey too.

2. Remove Clutter from Inside Your Home

Clutter is a major problem because it may make your house appear small and messy. If you allocate time and resources to remove clutter prior to a home showing, however, you can highlight the true beauty of your living space to potential buyers.

If you own items you no longer need, you can always sell these items online or at a yard sale. You also can donate unwanted items to charity or give them to family members or friends.

In addition, you can always put various items you want to keep in storage. If you rent a storage unit, you can keep assorted belongings safe until your residence sells.

3. Consult with a Real Estate Agent

With a real estate agent at your side, you can receive comprehensive support leading up to a house showing. A real estate agent will offer recommendations and suggestions to ensure you know what to expect from a showing. Plus, he or she will respond to any of your home showing concerns or questions.

Furthermore, a real estate agent will help you navigate the home selling cycle. He or she first will meet with you, find out why you want to sell your residence and help you craft a property selling strategy. Next, a real estate agent will promote your residence to dozens of prospective buyers. And if you receive an offer to purchase your home, a real estate agent will help you analyze this property buying proposal. A real estate agent will even negotiate with a buyer's agent on your behalf to help you optimize your home sale earnings.

When it comes to hosting a home showing, there is no need to worry. Thanks to the aforementioned tips, you can plan for a home showing. And as a result, you can take the necessary steps to ensure a home showing is an instant success.




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