Annemarie Torcivia - RE/MAX  Trinity



Posted by Annemarie Torcivia on 5/13/2019

When it comes time to attend a home showing, it helps to be prepared. That way, you can check out a house from top to bottom and confirm that this house fits your needs.

Ultimately, there are several important steps that a homebuyer should take before attending a home showing, and these are:

1. Review the Home Listing

Reading a home listing often serves as a first opportunity to evaluate a house and determine whether it could be your dream residence. As such, you'll want to review the listing closely to verify your interest in a house.

Oftentimes, reading a home listing a few times is a good idea. This will enable you to analyze all aspects of the listing and ensure it is worth your time to visit a house in-person.

2. Create a Home Showing Checklist

Although a home listing likely provides lots of information about a house, there may be plenty of unanswered questions that you have about a residence. Fortunately, a home showing gives you the opportunity to ask questions and receive insights into a house that you won't be able to receive elsewhere. And if you craft a home showing checklist in advance, you'll be ready to get the information that you need to fully assess a residence.

Remember, there is no such thing as a "bad" question, particularly when it comes to evaluating a house. If you make a list of questions before a home showing, you'll be able to receive responses that can help you make an informed decision about whether to submit an offer on a house.

Don't forget to include different areas of a home in your home showing checklist, either. In most cases, you'll want to evaluate a house's roof, attic and other areas to determine whether costly, time-intensive repairs may be needed in the near future.

3. Consult with a Real Estate Agent

Preparing for a home showing may prove to be difficult, particularly for a buyer who is attending a showing for the first time. If you consult with a real estate agent, however, you can get the help that you need to prepare for any home showing, at any time.

A real estate agent is a homebuying professional who understands the ins and outs of evaluating a residence. He or she can provide expert home showing preparation recommendations and serve as a guide throughout the showing itself.

Perhaps best of all, a real estate agent is happy to help you at each stage of the homebuying journey. If you have questions before or after a home showing, a real estate agent is ready to answer them. And if you want to submit an offer following a showing, this housing market professional can help you submit a competitive proposal at your convenience.

Don't wait to kick off your search for the perfect home. Instead, follow the aforementioned steps, and you can prepare for a home showing and move closer to acquiring your ideal residence.




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Posted by Annemarie Torcivia on 4/8/2019

The rent vs buy dilemma is something that Americans have been facing for decades. Both options have their benefits, and it’s really a matter of timing and preferences when it comes to choosing which is best for you.

However, there are a lot of things to consider before making this decision. So, in today’s post we’re going to break down some of the benefits of renting an apartment and of buying a home. That way you can make your decision with a clearer picture of what each situation looks like.

One thing to note first, however, is that it isn’t always as simple as buy vs rent. Some living situations draw on the pros of each type of living. For example, living in a condo might be a good option for people who want the privacy and independence of owning their own home, but who also don’t have the time or desire to keep up with maintenance.

So, as we compare buying and renting, keep in mind that the features of each are not mutually exclusive.

Renting an apartment

Most people who are living on their own for the first time start off renting. For younger people just out of school, renting offers the first taste of independence without the prerequisites of homeownership.

When you rent your first apartment, you’ll learn the skills associated with budgeting for your monthly expenses, making your rent payments on time, and will start learning some of the skills that it takes to run a household.

In terms of monthly costs, apartments can vary greatly. Depending on where you live (and how luxurious the apartment is) you could end up having rent and utility payments that are much lower or much higher than mortgage payments for a house.

However, apartment leases often come with the benefit of utilities, trash removal, and other expenses built in. They also typically require the landlord to maintain the apartment and the land it sits on.

Live in the northern part of the country and hate shoveling snow? Make sure your lease specifies that your landlord will provide snow removal.

One technique that many renters take is to find an apartment that is small and affordable while they save up for a home. In this case, it’s worth living with fewer amenities if your end goal is saving for a down payment.

But, what if you want to own a home someday but haven’t quite decided where you want to settle down? Maybe your work keeps you moving from place to place or you’ve always wanted to move away to somewhere new.

Renting is typically a better option for those who aren’t quite sure what their plans are for the next coming years. They can have a stable place to live while they figure things out and plan their next move.

Buying a home

Once you’ve rented a home for a while, you might become increasingly aware that you want more space and more control over your home.

You’re also likely noticing how much money you spend on rent each month that is essentially a net loss.

When you buy a home, your mortgage payments might be going to the bank, but someday the money you’ve paid toward that home will be yours in the form of equity. You can then use this as a down payment for another home.

This financial benefit cannot be understated. Since house values dependably increase over time, owning a home is a great investment toward your future.

So, those are the main pros and cons of renting vs buying a home. Think about your circumstances and determine which one makes the most sense for you right now. Then, start planning for the future.




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Posted by Annemarie Torcivia on 4/1/2019

Ready to launch a search for your dream home? Ultimately, you'll want to do everything possible to streamline your home search to boost your chances of getting the best possible results.

There are many best practices for conducting a successful home search, and these include:

1. Define Your Homebuying Criteria

The definition of the "perfect" home varies from property buyer to property buyer. This means that your definition of the perfect home is unlikely to match that of a friend or family member.

Think about what separates an ordinary home from a can't-miss residence. Then, you'll be able to narrow your home search and map out a successful homebuying journey.

As you consider the perfect home, make a list of homebuying "must-haves." For example, if you want a garage where you and your wife can park your cars, a two-car garage is a homebuying must-have. Or, if you want a home that's close to high-quality schools that your kids can attend, buying a house in a great school district is a must.

2. Get Home Financing

Although your ultimate goal is to acquire a top-notch residence, you'll likely need financing to help you transform your homebuying dream into a reality. Fortunately, many banks and credit unions are available to teach you about a wide range of mortgage options.

Meet with several banks and credit unions – you'll be glad you did. These lenders can educate you about the different types of home loans and help you get pre-approved for a mortgage.

After you receive pre-approval for a mortgage, you're good to kick off your home search. In fact, with a mortgage in hand, you can tailor your search to homes that fall within a specific price range.

3. Work with a Real Estate Agent

Regardless of your homebuying goals, it pays to work with a real estate agent. That way, you can receive expert assistance as you search for houses in various cities and towns.

A real estate agent is happy to teach you the ins and outs of purchasing a house. By doing so, this housing market professional can help you become a real estate expert in no time at all.

Furthermore, a real estate agent will set up home showings, keep you up to date about new houses that become available and help you submit home offers. This housing market professional is committed to your homebuying success and will do whatever it takes to assist you along the homebuying journey.

Perhaps best of all, a real estate agent is available to respond to any homebuying questions that you may have. No homebuying question is ever too big or too small for a real estate agent, and as a result, this housing market professional will make it simple for you to make an informed homebuying decision.

Launch a successful home search today – use the aforementioned best practices, and you can increase the likelihood of discovering your dream home.





Posted by Annemarie Torcivia on 3/25/2019

Buying a house can be simple, particularly for those who craft a blueprint before they embark on the property buying journey. Now, let's take a look at three tips to help you craft an effective homebuying blueprint.

1. Analyze the Housing Market

The housing market varies in cities and towns across the United States. However, if you analyze the local real estate sector closely, you can map out a successful property buying journey.

Assess the prices of recently sold residences and find out how long these homes were available before they sold. That way, you can determine whether a buyer's or seller's market is in place.

Remember, the more housing market data you review, the more equipped you'll be to understand the current state of the local housing sector. And if you allocate time and resources to analyze housing market data, you can gain the insights you need to make informed decisions throughout the property buying cycle.

2. Establish Homebuying Criteria

Create a list of homebuying criteria – you'll be glad you did. Because once you know what you want to find in your dream home, you can narrow your house search.

As you put together homebuying criteria, think about where you want to reside too. This will enable you to hone your home search to preferred cities and towns.

Don't forget to consider your short- and long-term plans as you craft your homebuying criteria as well. For instance, if your goal is to work in the city, you may want to focus on houses in or near the city itself. On the other hand, if you plan to start a family soon, you may want to explore residences near the top schools in your area.

3. Collaborate with a Real Estate Agent

If you're unsure about how to craft a homebuying blueprint, there is no need to worry. Real estate agents are available nationwide, and these housing market professionals can help you put together a homebuying plan.

A real estate agent is a housing market expert who is happy to teach you everything you need to know about buying a residence. He or she also will respond to any of your homebuying concerns and questions.

In addition, a real estate agent will act as a guide along the homebuying journey. He or she first will learn about your homebuying criteria and goals and help you put together a property buying plan. Next, a real estate agent will help you search for your dream residence and set up property showings. And once you discover a house you want to buy, a real estate agent will help you submit a competitive offer to purchase this home.

For those who want to achieve the optimal results during the property buying journey, it generally is a good idea to create a homebuying blueprint. By using the aforementioned tips, you can craft a homebuying blueprint so you can achieve your desired homebuying results.




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Posted by Annemarie Torcivia on 2/25/2019

The decision to purchase a second home may be one of the biggest choices you will make in your lifetime. As such, it is important to consider all of the factors associated with a house purchase before you embark on a quest to acquire a second residence.

Now, let's take a look at three key factors to evaluate as you weigh the pros and cons of purchasing a second home.

1. Your Current House

Consider the state of your current house – you will be happy you did. If you assess your current residence, you may be better equipped than ever before to determine if now is a good time to start a search for a second house.

For instance, if your home needs a new roof or requires other repairs, you may want to complete these improvements first. After these house repairs are finished, you then can kick off a search for your second house. Perhaps most importantly, you can launch this home search with the reassurance that your current house is in good shape and likely won't require significant repairs in the near future.

2. Your Finances

If you still have a mortgage on your current house, you may want to focus on paying that off first. Once your mortgage is paid in full, you can conduct a search for a second house without having to worry about paying two mortgages at once.

Of course, if your current house's mortgage is paid in full, you should still evaluate your finances closely. Ensure you have sufficient finances to cover a mortgage for a second house, as well as your everyday expenses. By doing so, you can hone your search for a second house to residences that fall within your price range.

3. Your Immediate and Long-Term Plans

Think about why you want to buy a second home in the first place. Then, you can determine how this decision may impact your immediate and long-term term plans.

For example, if you want to return to college, buying a second home may affect how much money you have at your disposal that you can use to go back to school. On the other hand, if you hope to get a work promotion in the foreseeable future, you soon may have additional funds to help you make your dream of owning a second home come true.

As you decide whether to launch the search for a second house, take some time to consult with a real estate agent. A real estate agent is a homebuying expert, and he or she can provide housing market insights that you may struggle to obtain elsewhere. Plus, a real estate agent will guide you along the homebuying journey and can help you acquire a top-notch house at a budget-friendly price.

Account for these factors before you start your search, that way you can make an informed decision about whether now is the ideal time to pursue a second residence.




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