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Denise Christinzio

Sales Associate


As a buyer be sure to secure good real estate representation.

Be represented you deserve it!


Let us represent you, send us your name, address and phone number or simply e-mail meWe will evaluate your specific needs and help determine your price range qualifications.  Then we search out the properties that best fits those specifications.

When you find a suitable house, we will provide current market data and help you establish an offering price.  We will help structure the terms and conditions of the offer including the amount of deposit and possession date to create a winning scenario.

We will present your offer in a professional and enthusiastic manner to the seller or their representative.

A lot happens between the signing of the purchase offer and the closing of the home.  We will attend to the details and keep you informed at all times.


Don't buy your next home through just any Realtor.

Get good solid, knowledgeable representation, you deserve it!

E-mail me at denievc@comcast.net FOR PROMPT SERVICE

Choosing a New Community

  • Choosing a Home
  • Making a Good Offer
  • Counter Offers (what to expect)
  • Mortgage Factors to Consider
  • How Much Will My Payment Be?
  • Should I Hire a Home Inspector?
  • Preparing to Move
  • Removal of PMI


Choosing a New Community


We're betting you've heard the question...What are the 3 most important points when buying a home?...Location, Location  Location!  Remember your not just buying a home but a community so your choice is critical to both the homes future investment potential as well as its livibility to your personal requirements.

Defining a Community

Each town is considered by its residents to be its own community.  One community will differ from another on the basis of:

1)  Geographical setting.

2)  Home styles.

3)  Accessibility.

4)  Population density.

5)  Desirability.

6)  Age.

7)  Price.

8)  Tax Rate.

We suggest you narrow your initial selection to 2 or 3 communities.  It's wise to examine your current surroundings...identify which features you hope to keep or change in your new community.

Services and Public Facilities

1)  Does the community offer recreational facilities...public swimming pools, tennis courts, golf courses, public ball parks and playgrounds?

2) Are medical services such as hospitals, physicians, dentists or special needs nearby?

3) Are cultural facilities such as colleges, adult education courses or museums nearby?


Whether or not you have school aged children, the quality of education available in a community is a very important consideration.  Schools can vary from one community to the next.  If you have school aged children, we recommend a visit to the schools of your choice and speak to the principles, counselors and staff to discuss the following items:

1) Academic standings.

2) Class size.

3) Extracurricular activities.

4) Special programs.

5) Sports programs.

Plus any other concerns or special needs that you may require from a new school system.

The Convenience of  Location

1) Commuting distance and actual drive time to and from work.

2) The areas conveniences or isolation.  Drive around and find out what stores or services are within a reasonable distance.


Choosing a Home


Be an informed buyer, protect your interest.

Once you've found the right community, you'll want to focus on buying the right house; have an experienced seasoned professional show you the types of homes you want to see.  The home you buy should fit naturally into the neighborhood blending in with both price and style with the surrounding homes.

Define your requirements, don't be swayed by a charming 3 bedroom home when you require 4 bedrooms.  Don't be turned off by old or garish walls or floor coverings that aren't to your taste, these are generally a cosmetic issue which can be changed.

Consider the following questions about market history and resale potential:

1)  What was the original asking price?

2)  How many times has that price been reduced?

3)  How long has the house been on the market?

4)  Are there substantial improvements to be made to the home?

5)  Is it the largest or the smallest house in the immediate neighborhood?

Keep a record...you'll be seeing many homes, don't rely on memory alone to keep track of all the different features:

1)  Make sure you have a copy of the listing information on all the homes you see and make your notes on these copies.

2)  Eliminate immediately the homes that are of no interest and convey this information to your realtor.


Making a Good Offer


Several elements should be considered before making your offer.  You shouldn't pay more than necessary nor should you present the seller with an insulting unrealisticly low offer.  Consider the following:

How does the home compare in price to the other houses currently available for sale in the immediate area.

Comparing recent home sales in the immediate area is the best way to determine market value.  Find out about comparable sales from your Realtor.  Make sure you consider similar properties and the most recent transactions.  Also, if you find a particular sale that is either much higher or lower than the others, try to determine what special circumestances, if any, that might have affected that property. 

How long has the home been on the market?  A seller may be more eager to sell and negotiate more on your terms if the home has been exposed to the market for a long period of time.

Being pre-approved for a mortgage has strong negotiating power, it also tells the seller these buyers are serious.  Whenever possible, you should become a pre-approved buyer.

When making your offer you will be required to make an earnest money or good faith deposit upon signing the contract.  A typical deposit is $1,000.00, however, real estate customs vary from state to state.  Be sure to consult with a professional in the area where you intend to purchase your next home.  Depending on the local custom, you will have to increase your down payment to anywhere from 3% to 10% of the sales price once the seller accepts your offer.


Counter Offers (what to expect)


Once you've made your offer, the seller has basically 3 choices...

1) Accept the offer as written.

2)  Reject the offer outright.

3)  Reject the offer and make a counter offer changing the terms, conditions and or price.

If the seller chooses to counter offer than the buyer will have the same 3 choices listed above.

When all parties have agreed to the terms of the contract and all signatures are in place, the contract will then be in full force.  The contract is binding to all parties to the agreement subject to the contingencies set forth in the contract.  Possible contingencies may include but are not limited to an Attorney review period, loan approval, home inspection, sale of another property.  All contingencies should be set with a specific time limit.  Be sure to consult a professional to determine the local custom.


Mortgage Factors to Consider


Todays buyer can choose from a myriad of mortgage programs.  Some mortgages are better than others, some are truly bad about tacking on extra costs or unusual terms.  Everyones situation is different and what works for one person may not work for  someone else.  Be sure to venture into the mortgage market with a critical eye towards rates, terms and conditions such as down payment, origination, discount, application, attorney and appraisal fees. If you choose an adjustable mortgage be sure to compare the annual and lifetime cap rates.

If you would like a realiable mortgage representative to contact you, please e-mail us your name, phone number or e-mail address  and put... need mortgage info in the subject line.  We'll pass the information along to a mortgage representive who will contact you.


How Much Will My Payments Be?

(Use our mortgage calculator located on our home page)


Should I Hire a Home Inspector?


A home inspection should provide you with information about needed repairs or serious flaws, as well as peace of mind.  Be sure to find out which inspections are required or recommended in the area where you intend to purchase a home.  Try to be available to attend the inspections.  This is an excellent opportunity to learn from an expert about construction, maintenance and repairs that may be needed in the future.


Preparing to Move


Organization is the key to a successful move.  Here is a list of reminders to help you get it done.

1)  Arrrange to have copies of medical and dental records sent to your new location.  Obtain copies of eyeglass and medical prescriptions.

2)  Register your children at their new school and obtain old school records.

3)  Make a list of those who need to be contacted with your change of address, i.e. magazine, insurance and credit card companies, brokers, attorneys, friends and relatives.  Be sure to cancel or transfer memberships in religious, civic, social and fraternal organizations.

4) Ask your veterinarian about shipping your pets and get a record of their innoculations.

5)  Prepare to transfer your bank accounts and safe deposit boxes.

 6)  Notify utility companies of the date you want service to be discontinued or transferred to the new owner and request a refund of any deposits.

7)  Notify the Post Office of your move date and arrange for the first class mail to be forwarded.  Send out change of address cards.

8)  Find out if there are any special requirements for drivers licences and auto registration in your new location.  Be sure to do this when moving out of state.

9)  Go through the contents of your garage, basement and attic and dispose of the things you know you won't need at your new home.

10) Discontinue home delivery of newspapers, etc.  Return library books and other borrowed items.  Be sure to retrieve any items you may have loaned out.

11) When dealing with the movers, set aside the items that require special handling.  Be sure to label all the boxes and cartons as to the contents and the location in the new home.  Prepare a list of things you want to load last, so you can get to them first during the unloading.  Check the bill of lading for accuracy before you sign it.  Retain a copy for your records.

12) Gather keys to the house and arrange to leave them with the new owners of your home, your real estate agent or a trusted neighbor.

When Moving into the New Home

1)  Be sure to arrive at the new home before the movers.  You could be charged a waiting fee if you arrive later.

2) Check household items carefully for loss or damage as the movers unload them.  List all damages on the inventory form.  Since you will probably do most of your unpacking after the movers leave, write this note on the inventory "Subject to Inspection for Concealed Damage".

3)  Check all appliances, furnace, central air conditioning and hot water heater so you can contact a repair service company immediately if something is not working.

4)  Obtain necessary licenses, drivers, automobile, animal, etc.

5)  Register to vote.


Removal of Private Mortgage Insurance


Private mortgage insurance is bought by the mortgage company when you take out a conventional loan and put down less than 20% of the purchase price.  This insurance is paid by you and is designed to be removed once your loan to value ratio reaches 80%, however, unless you request to have this insurance removed it will probably stay with the loan for its entire term of 15 or 30 years.

How to Remove PMI

Call your mortgage companies customer service department and ask for full instructions for removal of PMI.  Ask them to send the instructions to you in writing.  Your loan to value ratio must be at least 80%.  Most mortgage companies will require a fee based appraisal from one of their approved appraisers.  Some mortgage companies have started accepting a professional CMA which a good Realtor can provide for you at no cost.   Even if you buy your house considerably below the appraised value, don't expect the mortgage company to consider removing the PMI until you have at least 1 or 2 years seasoning on your loan.  Even if you wait 1 or 2 years, depending on your mortgage company, you may not be able to remove the PMI if you were late on any of the payments.  Once all these items are in place, chances are you can have the PMI removed saving you several hundred dollars per year.  Remember, if you don't request to have PMI removed you will probably continue to pay it for the life of your loan.

A Word of Caution....If the real estate market is experiencing a downturn in values, you may have more difficulty removing the PMI.  Call a good professional Realtor for help and get advise on current market values.

Call Denise Christinzio directly for more help and understanding more about mortgages and get pre-qualfied for a mortgage at 856-227-1122 or 856-589-4848 x2005.

















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