Annemarie Torcivia - RE/MAX  Trinity



Posted by Annemarie Torcivia on 8/19/2019

The homebuying process sometimes can be tough to navigate. Fortunately, we're here to help you achieve the optimal results throughout the homebuying cycle.

Now, let's take a look at three questions that every homebuyer needs to consider as he or she pursues a home:

1. What is my "dream home" definition?

If you know what you want to find in your "dream home," you may be better equipped than ever before to streamline your home search. Thus, it generally helps to establish a list of home must-haves and wants to guide you along the homebuying journey.

As you check out a broad range of houses, don't forget to update your list of home must-haves and wants too. By doing so, you may be able to further accelerate your home search.

2. What can I afford to pay for a home?

The prices of homes vary based on location, size and other factors. As such, you may want to get pre-approved for a mortgage to ensure you know exactly how much you can spend to acquire your ideal residence.

Getting pre-approved for a mortgage can be fast and simple. If you meet with banks and credit unions, you can learn about all of the mortgage options at your disposal.

Of course, you should ask plenty of questions any time you meet with mortgage specialists. This will enable you to evaluate myriad mortgage options and choose a mortgage that complements your finances perfectly.

3. How can I quickly and effortlessly achieve my homebuying goals?

The homebuying journey differs from buyer to buyer. However, homebuyers who work with real estate agents typically can boost the likelihood of achieving the best-possible results during the homebuying journey.

A real estate agent knows the ins and outs of the housing market. He or she can teach you about the real estate sector and help you narrow your home search. Also, a real estate agent is unafraid to be honest with you and will offer unbiased recommendations to ensure that you can make an informed homebuying decision.

Let's not forget about the comprehensive assistance that a real estate agent can provide throughout the homebuying cycle, either. A real estate agent will keep you up to date about available houses that match your homebuying criteria. In addition, he or she will set up home showings that enable you to check out residences in-person. And once you discover your dream residence, a real estate agent will help you put together a competitive offer to acquire this house.

Furthermore, a real estate agent is ready to respond to any of your homebuying concerns and questions. As a result, a real estate agent will allow you to quickly and effortlessly navigate the homebuying journey.

When it comes to buying a house, there is no need to worry. If you collaborate with a real estate agent, you can get the support you need to make your homeownership dream come true.




Categories: Uncategorized  


Posted by Annemarie Torcivia on 8/13/2019

This Single-Family in Lynnfield, MA recently sold for $522,500. This Raised Ranch style home was sold by Annemarie Torcivia - RE/MAX Trinity.


14 Carpenter Road, Lynnfield, MA 01940

Single-Family

$559,900
Price
$522,500
Sale Price

8
Rooms
3
Beds
1/1
Full/Half Baths
Good as new! Need a house now? Move right into this thoroughly renovated 3BR home. Open concept for the upstairs area with lots of natural light and all neutral colors. New kitchen & baths. Wood deck access off of the dining room. New septic installed. New roof & new windows. Large level lot. Great opportunity!

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Categories: Sold Homes  


Posted by Annemarie Torcivia on 8/12/2019

Not long ago to protect our homes from intruders we would lock the doors, the windows, close the blinds, leave a light on and possibly set the alarm. Today houses are full of devices that make our lives convenient such as computers, laptops, printers, smart televisions, streaming media devices, gaming consoles, smart appliances, digital assistants, mobile phones, tablets, baby monitors, web cameras, alarm systems, and cars. All of these devices have a commonality of being connected to the internet. Which means they also provide another means of breaking into homes... via the internet.

Protect your home network

Protection of your home network starts with your connection to the internet. You always close your windows and doors, and wouldn’t give strangers the keys, right? Make sure you are not allowing free access to your network by leaving your router or wireless access point unsecured. Some necessary steps to secure your network include:

- Change the administration login and password from the factory default. Anyone can quickly perform a web search and find the router or wireless access point manufacturers default username and password.

- On a wireless access point or router change the SSID (this is the name of your wireless network) you can name it whatever you want just do not leave the default name on.

- Enable encryption on your Wi-Fi network. There will be several choices of encryption to use. Select the WPA2 over WEP. If there is a choice of several WPA2 choose WPA2-PSK AES. Assign a passphrase that is at least 8 characters long and consists of letters (both upper and lower case), numbers, and special characters. The longer the passphrase the securer it is.

- Turn off guest networks unless you actually plan on using this feature.

- If your router supports the Wi-Fi Protected Setup (WPS) disable it. This is vulnerable to brute force attacks.

- Ensure that the router’s built-in firewall is activated. It will be NAT (network address translation) or SPI (stateful packet inspection). The firewall is another layer of protection for your network.

Keep Your Connected Devices’ Software Updated and Secured.

Enable automatic updates for the operating systems on your desktop computers, laptops, tablets, and smartphones. By getting these updates, you will get new software features and security patches for the device. Keep any anti-virus and anti-malware software updated too.

Over the next couple of days take a look at your home network and make sure you are not leaving the doors to the network unlocked. Talk to your technology providers about additional safeguards you can set up to protect your information.




Categories: Uncategorized  


Posted by Annemarie Torcivia on 8/5/2019

Closing costs are usually an unavoidable part of buying a home. While there are ways to reduce some closing costs and fees, they are an expense you will likely have to consider when it comes time to save for a home.

On average, buyers can expect to pay between 2 and 5 percent of the purchase price in closing costs and fees.

In this article, we’re going to break down those costs and talk about some ways to plan for, or limit, the fees associated with closing on a home.

A breakdown of closing costs

Most closing costs in a real estate transaction are paid for by the buyer. When getting approved for a mortgage, your lender is required to provide you with an estimate of the closing costs. This is called a “Closing Disclosure statement” which overviews the details of your loan.

Different lenders will charge varying amounts in fees. Some are even willing to waive certain fees. But, we’ll discuss that later.

For now, let’s focus on the closing costs buyers typically have to pay:

  • Attorney fees - a flat-fee or hourly rate depending on the attorney

  • Origination fees - an upfront fee charged by the lender for processing your mortgage application

  • Prepaid interest or discount points - a payment for the interest that will accrue on your mortgage from the time you close until your first mortgage payment is due

  • Home inspection fee - the fee that a professional home inspector charges to inspect a home

  • Escrow deposits - Usually split with the seller, this is the fee charged by an escrow agent

  • Recording fees - fees for legally recording the new deed and mortgage

  • Underwriting fees - fees paid to the lender for researching your mortgage case and determining whether or not to approve your application

These are just some of the many fees that can be due upon closing on a home. Depending on where you live, which lender you choose, and the type of mortgage you secure, your closing costs will vary, so it’s a good idea to shop around for a lender and mortgage type with reasonable closing costs.

Reducing closing costs

Some lenders offer no-cost, or low-cost mortgages. However, these savings often come with a higher interest rate which, over the lifespan of your loan, can cost you more in the long run.

You should also be aware of the different loan types that you may be eligible for. FHA loans, USDA loans, and VA loans are all designed for buyers hoping to make lower down payments on their home.

Each loan type provides different amounts due at closing. Fortunately, your mortgage lender will be able to give you an estimate of costs for each loan type.

Want to get an estimate of the closing costs you’ll have to pay when you buy a home? You can use this online calculator to see an average.




Categories: Uncategorized  


Posted by Annemarie Torcivia on 7/29/2019

Regardless of when or where you search for a house, a home buying checklist is essential. With this checklist in hand, you can quickly and effortlessly discover a residence that suits you perfectly.

Now, let's take a look at three factors to incorporate into your home buying checklist.

1. Your Home Buying Timeline

Account for how much time is available to find and purchase a house. That way, you can boost the likelihood of getting the most out of the time and resources at your disposal.

As you create a home buying checklist, consider how much time you have before you need to relocate from your current address. Then, you can see how much time you have to pursue your dream home and evaluate the steps you will need to take to make that process run smoothly.

2. Your Home Must-Haves and Wants

Consider what you absolutely require from your new home. For instance, if you need a house that is close to your office in the city, you should check out homes in or near the city itself. Or, if you require a home that offers ample space for you and your children, you should hone your search to residences that have two or more bedrooms.

Of course, it helps to create a list of home wants and needs when you develop a house buying checklist. With the ability to evaluate your home needs at any time, you will be better equipped when deciding if a particular house is right for you.

3. Your Home Buying Budget

You know you want to purchase a house, but your current financial situation may be limited. Fortunately, if you prepare a home buying budget, you will know how much you can spend on a residence and map out your search accordingly.

Oftentimes, it helps to meet with credit unions or banks before you begin a home search. Credit unions and banks can teach you about different types of mortgages and how they work. Plus, these financial institutions can help you get pre-approved for a mortgage.

For those who want to streamline the home buying journey, it's a good idea to hire a real estate agent, too. A real estate agent can help you craft a home buying checklist, as well as provide tips and guidance as you search for your ideal house.

A real estate agent understands what it takes to find a terrific house at a budget-friendly price. First, a real estate agent will help a buyer evaluate the local real estate sector and narrow their home search. A real estate agent will also help a buyer discover a home that matches their expectations. Finally, a real estate agent will work with a buyer to put together a competitive offer to purchase this residence.

Craft a home buying checklist today – you will be happy you did. Once you have a home buying checklist, you can more seamlessly navigate the house buying journey.




Categories: Uncategorized