Annemarie Torcivia - RE/MAX  Trinity



Posted by Annemarie Torcivia on 12/2/2019

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Image by Jo Ann Snover from Shutterstock

There are many ways you can make your house attractive to prospective buyers. Curb appeal goes a long way when it comes to first impressions. Your yard is one indication of the amount of time you’ve spent caring for your property in general. Buyers are undoubtedly attracted to homes that have been properly maintained so if you plan to sell your property, don’t neglect your landscaping. Just like washing the dishes and vacuuming floors positively impacts the look of your interior spaces, regular yard maintenance will do the same for your exterior spaces. 

The following tips can help give you a good head start:

  • Plan to mow your lawn at least once a week. Use a weed wacker or edger to clean up around fences or play yards where your lawnmower might not reach. 

  • Remove weeds, leaves and clippings from walkways and patios. After you mow the lawn, use a leaf blower or broom to remove lawn clippings from walkways. If you have a brick or stone pathway, pull the weeds that may grow between the pavers.

  • Create clean edges between your grass and planting areas. You don’t need to install special materials to achieve this look. Use a straight-edge shovel to create or refresh an existing edge then add a fresh layer of mulch or stone to complete the transition.

  • Overgrown plants can be hard for homebuyers to overlook. Neglected shrubs and bushes may block the view of your house, they may interfere with walkways, doors, or other plantings and often just look untidy. Invest in a pair of loppers or hand pruners that can handle the plantings on your property. If you are not familiar with how to approach trimming the shrubs or trees you have, be sure to do some research before you start cutting. A local nursery or landscaper can provide advice on how and during which season you should prune your plantings. 

A smart way to attract prospective buyers is to improve the landscaping around your home. Consult with your real estate agent for more ways to improve your curb appeal and for local landscaping resources.





Posted by Annemarie Torcivia on 11/25/2019

It’s always a goal in life to be happier in our jobs and make more money. When it comes to buying a home, your job status can have a big effect on whether or not you’ll be able to buy a home or not. You will be able to buy a home using a new source of income. Even refinancing can be a breeze when you have a new job and the right knowledge. 


Many people believe that changing jobs or having gaps in between employment is a certain type of black hole when it comes to getting a mortgage. However, if you approach all of the changes in the correct way, you should be able to land the mortgage deal and secure a home.


Average Income


One of the most important numbers that your lender will calculate when you’re buying a home is that of your average income. This will be based on the pay that you had earned in the past 24 months‘ time. If you have had the same job and pay, this won’t be much of a big deal, However, if any of these things have changed (or will soon change) your lender may have some questions. This doesn’t mean that your mortgage application will be struck down completely. 


Information That’s Needed In The Event Of A Job Change


If you have recently changed jobs in the process of trying to refinance or buy a new home, your lender will need a few pieces of information from you. These items include:


  • An offer letter for the job
  • A role or title change letter (if applicable)
  • Compensation package change confirmation
  • Verification of employment
  • Most recent pay stub


Hourly Employees


If you’re an hourly employee, unfortunately, you’re under the tightest type of scrutiny when it comes to applying for a mortgage. Your income will be averaged for as long as you have been an hourly employee. If you work full-time, this won’t be too much of a problem. If your hours fluctuate from week-to-week, this can make things a bit more complicated.


If your hourly rates have recently gone up, you’ll need a bit of info from your employer to help you get the income verification that your lender needs. These items include:


  • An offer letter
  • Recent pay stubs
  • The new compensation structure or offer

If you have any sort of extenuating circumstances like a relocation or a new position, this information can help to bridge the gap in any information that just doesn’t add up as far as your employment history goes. 


Salaried Employees


If you’re a salaried employee, things are a bit simpler. Your lender will have a much easier time calculating your average income. The only issue that you may encounter is if you have had a gap in employment. For this, your lender will require a written explanation of what occurred during that time period.  

 

Lenders want to protect themselves, but in a way, they also want to protect you from getting in over your head with how much you can afford for a home. With some proof and a little explanation, you should be able to get a house you can afford if you have all of the information that you need to back up your financial history and employment history.




Categories: Uncategorized  


Posted by Annemarie Torcivia on 11/15/2019

This Condo in Lynn, MA recently sold for $219,000. This Garden style home was sold by Annemarie Torcivia - RE/MAX Trinity.


358 Broadway, Lynn, MA 01904

Condo

$219,000
Price
$219,000
Sale Price

4
Rooms
2
Beds
1
Baths
Wyoma Village Condominiums. Great location Wyoma Square. Two bedroom, garden style condo on 2nd floor. Large living room with sliders to balcony. Eat in cabinet kitchen with dishwasher, electric stove, disposal and refrigerator. Two average size bedrooms with ample closets. Close to major highways, Boston and Logan airport. Parking space #11 steps from building. Large storage unit in basement and coin op laundry. Unit is in need of updates. Building is pet friendly and welcomes your fur baby!

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Tags: Real Estate   Lynn   Condo   01904  
Categories: Sold Homes  


Posted by Annemarie Torcivia on 11/11/2019

The lifetime warranty. We’ve all heard about the wonders of owning an item with a lifetime warranty, but few of us actually own such products. Well, few of us are aware of it anyway.

The home is where we pour most of our money into. It seems like things are constantly breaking and needing to be replaced or repaired. But few of us check to see if the item has a manufacturer’s warranty. Nor do we remember if we bought an extended warranty.

In this article, we’re going to give you some tips on how to take advantage of warranties you may not know that you have, and how to shop wisely for warrantied products in the future.

But first, we’ll impart some general warranty knowledge.

Understanding the warranty

A warranty is a written guarantee provided to the purchaser of an item that they will repair or replace the item if it isn’t functioning as intended.

In most cases, there are time limits and exceptions to a warranty. Manufacturers know that their products won’t really last forever, so they plan for the eventual breakdown of the product from wear and tear.

Similarly, manufacturers don’t want you to misuse the product and then ask for a replacement, so they list exceptions to their warranties. To find out if one of your household items is under warranty, you can often check the manufacturer’s website.

To ensure you’re eligible for a warranty or replacement, it’s often necessary to have a copy of your purchase receipt which shows where and when you bought the item.

We know--keeping track of receipts is an annoyance few of us want to participate in. So, an easier solution is to keep an app like Google Drive or Dropbox on your phone with a folder called “receipts” or “warranties.” Then, the next time you make a purchase, simply snap a photo of the receipt and keep in in your drive.

Extended warranty warning

Many retailers will pitch you an extended warranty when you buy a product. Some of them are worth it, but most of the time you’re better off foregoing these add-ons.

Oftentimes, products are already covered by a manufacturer warranty. And, in some cases, the cost of the item is so low that owning a protection plan isn’t worthwhile.

Warrantied items you may not know about

Now that you know how to keep track of your warranties, let’s talk about some important items that you may not know has a warranty.

  • Roofing. Roofs are expensive and don’t last forever. However, many manufacturers promise 20 years of good service from your shingles.

  • Vinyl siding. Another expensive exterior item, siding is often warrantied by common manufacturers, including several “limited lifetime warranties.”

  • Tupperware. If there’s one product on this list you’ve probably heard of, it’s Tupperware. They’ve been famous for their lifetime warranties for decades.

  • Pampered Chef. This company makes an array of kitchen related products. Many of their items come with lifetime warranties.

  • Craftsman. Their power tools are affordable and include a lifetime warranty.




Tags: household   warranty  
Categories: Uncategorized  


Posted by Annemarie Torcivia on 11/4/2019

You may have a rough idea of what your home is worth. Maybe you have recently been given an assessed value on the home, or have peeked on an online search as to what comes up for your home. Do you really understand all of the things that affect the value of your home? There are many things that may not be obvious but are important to the number that you’ll come to when you decide to sell your home. 


The Number Of Your House


Do you live at 13 Elm Street or 7 Winner’s Way? Buyers have superstitions that surround numbers and street names. Don’t be surprised if the number of your house or even the name of your street brings buyers in or sends them running. There’s not much you can do to change the house number or street name, but it’s something to keep in mind. Sometimes the reason that certain buyers are turned off from your house is truly out of your control. If you do live on a desirable street, that can help bring up the value of your home due to the demand in the area. Remember that what some consider “unlucky” others consider a blessing (like the number 13!) 


The Neighborhood


While your home may be perfectly pristine, you don’t have much control over what your neighbors do. If there are neighbors nearby that have strange items in their yards, strange colored homes, or other eccentric tastes, buyers may be turned off from your home. This could actually cause the price of your home to drop slightly. You should be prepared for this to affect the sale of your home, but don’t be discouraged. If buyers enjoy your home enough, they’ll be able to turn off that all too bright paint color next door.


Greenery


Trees and greenery increase the value of a home. Don’t think of cutting down those trees on your property unless you have to! Trees that have grown up on your property will add a lot of value to the home in the future. If you’ve been living at your residence for 20 years or so, think of the value that those first seeds and bushes you planted have added! 


Interests Are Not Universal


If you have displays, shrines, or rooms dedicated to a certain hobby, it could either be beneficial or detrimental to your home sale. This all depends on who comes walking through the door for a home showing. If you’re a Veteran and have some Marine Corps things around the houses, it could attract the attention of other Vets. However, that strange Marilyn Monroe room you have might actually deter from the pool of people available to buy your home. Buyers like to be able to see themselves living in the home. Some circumstances make it easier than others for buyers to have a vision for themselves in your home.    





Categories: Uncategorized