Marianne Avila - Berkshire Hathaway HomeServices Verani Realty



Posted by Marianne Avila on 9/15/2019

Planning to take your TV to your new home? For those who recently bought or sold a residence, you may have only a short period of time to pack your TV and other belongings and bring them to your new address. Fortunately, we're here to help you simplify the process of packing your TV for moving day.

Now, let's take a look at three tips to properly pack your TV.

1. Use the Right-Sized Box

If you saved the original box for your TV, you should use the box for moving day. That way, you can store your TV in a strong, durable box that offers maximum protection.

On the other hand, if you threw away the box for your TV, there's no need to worry. You should have no trouble finding a heavy-duty box that is big enough to hold your TV and will ensure your TV will be protected throughout your move.

In most instances, a double-wall corrugated box is ideal for a TV. Double-wall corrugated boxes are available in multiple sizes and are unlikely to get damaged or punctured while in transit.

2. Cover Your TV

Wrapping your TV in a soft blanket usually is a good idea. With this blanket in place, you can protect your TV's screen against scratches.

Also, don't forget to secure the blanket to your TV with rope or moving-grade shrink wrap. This will ensure the blanket will stay in place for the duration of your move.

If you can't find a suitable blanket to cover your TV, you can always substitute a blanket with bubble wrap. Cover your TV in bubble wrap and seal the ends with tape, and you're good to go.

3. Label and Secure the TV Box

Slide your TV into your moving box and keep it in an upright position. By doing so, you can avoid putting pressure on the TV screen – something that otherwise may cause permanent damage to your TV.

Before you seal the box that contains your TV, you'll want to add plenty of packing material. This will ensure your TV is firmly padded and won't tip or shift while you're on the go.

Finally, seal the box with packing tape and label it accordingly. Since your TV is sensitive, you'll want to label the box as "Fragile" as well.

If you need help packing your TV or other belongings, it often pays to hire a moving company. With a team of professional movers at your side, you can quickly and safely get all of your belongings from Point A to Point B.

Lastly, if you require extra assistance getting ready for moving day, don't hesitate to contact a real estate agent. In addition to helping you buy or sell a house, a real estate agent can put you in touch with the best moving companies in your area and guarantee that you can enjoy a fast, seamless transition to a new home.




Tags: packing   packing to move   TV  
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Posted by Marianne Avila on 9/8/2019

If you want to buy a house, it pays to enter the real estate market with a checklist in hand. That way, you can streamline the process of going from homebuyer to homeowner.

Now, let's take a look at three things to include in your homebuying checklist.

1. Your Budget

Your budget will dictate whether you're able to afford a condo, luxury home or something in-between. As such, you'll want to assess your finances closely as you determine exactly what type of house that you can afford.

Oftentimes, it helps to get a copy of your credit report. You are eligible to receive one free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). If you know your credit score, you can determine whether now is a good time to enter the real estate market, or whether you should improve your credit score first.

You may want to consult with several banks and credit unions too. These financial institutions can teach you about various mortgage options and help get pre-approved for a mortgage. Then, once you have a mortgage, you'll know exactly how much you can spend on a house and tailor your home search accordingly.

2. Where You Want to Live

Living in the suburbs is very different from residing in the city. Therefore, you'll want to consider where you want to live so that you can search for a home in specific areas.

For example, if you prefer the peace and quiet of a small town, you may want to consider houses in small towns in the state of your choice. These towns may feature dozens of available homes. Plus, in many instances, small town houses are priced lower than big city residences.

Or, if you enjoy the hustle and bustle of the big city, you can search for residences in any city, at any time. These houses likely will ensure that you'll have quick, easy access to a variety of big city attractions and landmarks.

3. Real Estate Agent

There is no telling whether you're about to enter a seller's or buyer's market, as the housing sector often fluctuates. Fortunately, if you hire a real estate agent, you can increase the likelihood of a quick, successful homebuying experience, regardless of the current housing market's conditions.

A real estate agent is committed to your homebuying success and will do what it takes to help you find the right home, at the right price. He or she will learn about your homebuying goals and offer expert insights into the real estate market. Also, if you ever have homebuying concerns or questions, a real estate agent is available to address them.

For those who want to streamline the homebuying process, it helps to hire a real estate agent. And if you hire a real estate agent today, you can get the assistance that you need to make your homeownership dream come true.

Get started on your homebuying checklist, and you can simplify the process of acquiring your ideal residence.




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Posted by Marianne Avila on 9/1/2019

If you decide you're ready to purchase your dream house, you should submit a competitive homebuying proposal from the get-go. Otherwise, you could risk missing out on the opportunity to acquire your ideal residence.

Submitting an offer to purchase your ideal house that meets the expectations of a property seller can be simple. Now, let's take a look at three tips to help you craft a competitive offer to purchase your dream house.

1. Examine the Local Housing Market

The price of a home in a big city may prove to be much higher than the price of a comparable house in a small town. Much in the same vein, a housing market that features an abundance of sellers is likely to be far different from a market that includes many buyers. However, if you assess the local housing sector closely, you can identify real estate market patterns and trends and craft your homebuying proposal accordingly.

Oftentimes, it helps to look at the prices of recently sold houses in the city or town where you want to live. You also may want to find out how long these homes were available before they sold. That way, you can differentiate a buyer's market from a seller's one and put together a competitive offer to purchase based on the present's real estate sector's conditions.

2. Analyze a Home's Age and Condition

A brand-new home may prove to be more expensive than an older house that is in need of major repairs. Comparatively, a recently renovated house is likely to be a great choice for buyers who want to avoid property repairs, while a "fixer-upper" home may be a top option for those who are ready to tackle property repairs on their own.

As you analyze a home's age and condition, you should consider how much you are willing to pay for this residence. It sometimes helps to consider potential home upgrades and repairs that may need to be completed. And if you evaluate possible home improvement costs, you can account for these expenses in your offer to purchase.

3. Consult with a Real Estate Agent

A real estate agent is a homebuying expert, and his or her goal is to ensure you can acquire a great house at an affordable price. Thus, if you collaborate with a real estate agent, you can put together a competitive offer to purchase in no time at all.

Typically, a real estate agent will offer housing market insights that you may struggle to find elsewhere. And when you're ready to submit an offer to purchase your dream home, a real estate agent will help you craft a homebuying proposal that is sure to get a seller's attention. Plus, a real estate agent will negotiate with a seller's agent to help you get the best price on your ideal house.

Ready to submit an offer to purchase your dream home? Use the aforementioned tips, and you can put together a competitive homebuying proposal and quickly accomplish your homebuying aspirations.





Posted by Marianne Avila on 8/25/2019

It can feel like real estate has its own language. After all, there is a reason agents take courses and need to become licensed!

And for a first-time buyer, I understand that it can be overwhelming and very confusing to keep track of all of this new information on top choosing the home of your dreams and planning a move.

Which is why I’ve created this quick and dirty list of real estate terms every first time home buyer needs to know.

Let’s get started:

A kick-out clause gives the seller the option to continue showing a house after a buyer has made their offer but is slowing down the process with the sale of their own home. The seller can then “kick out” that offer if someone else puts in a more desirable, and readily available, one.

A title-search is simply a search to pull up relevant information to the title of a house. It helps to determine the history of the home and if there are existing regulations in place that affect the property.

Escrow is a neutral third party used to handle transactions throughout the buying/selling process. They hold all related documents and funds until the day of the sale.

Earnest money is usually held in an escrow account and represents your commitment to the sale of a house you have made an offer on. Typically, the amount out down is between 1-3% of the asking price. It is also called “good faith money”.

An appraisal determines a property’s market value. Only a licensed appraiser can pull a report of this information for you. This is the report a lender will use to determine whether or not to lend money to a borrower.

Closing costs are paid at the actual sale of the house. The “closing” is when the title is transferred from the seller over to the buyer. The cost covers all of the fees that were incurred throughout the buying and selling process. A few examples of these fees are the home inspection, appraisal, and escrow. 

A comparative market analysis or CMA is a report pulled from a database your real estate agent has access to. This is then used to determine the offering and asking price of homes.

A contingency is when in order to move forward with a sale there are specific requirements the buyer must complete first. Common contingencies are: waiting on an inspection, pre-approval or signing.

Disclosures are required by law. But what are they? A disclosure means a seller has to inform potential buyers of and problems that would affect the value of the property.

Due diligence is doing the work of fully understanding the property you are interested in before buying it. This includes obtaining insurance, reviewing all documents carefully and walking the property.

During a home inspection appliances, plumbing and electrical work are tested. The heating and cooling system are also inspected. This doesn’t affect the monetary value of your home. This is a way for you to determine what state a home is in and if it is worth the financial investment to you.




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Posted by Marianne Avila on 8/18/2019

Deciding to pay off your mortgage can be a confusing decision to make. You might be wondering about how you would take care of other financial debts or emergencies should they arise. Deciding to pay or not to pay off your mortgage early should be a decision made by you. The economic circumstances around you should determine this decision at the time.

It is tempting to continue paying for a mortgage in bits because of the benefits homeowners enjoy. As a homeowner though, there are situations when you find yourself considering the ‘paying down' option. Before you make such a financial decision though, you should speak to your financial advisor and be certain it's the best decision to make. 

Pay off your mortgage early under any of these circumstances listed below:

Before retirement

So many people plan for retirement—it's a period when you want to be as comfortable as possible. Taking steps and putting things in place before you retire is one of the best financial decisions anyone can make. While making your retirement plan, it's advisable you consider paying off on your mortgage. The reason behind this is as soon as you come into retirement, your steady monthly inflow reduces (most of the time). You may have more available time on your hands to go on vacation and treat yourself out. Having the thought of mortgage payments over your head at this period might be a burden. Pay off the mortgage before retirement and reduce what you must worry about when you retire. 

When you come into a significant amount of cash 

When you get a large cash amount, and you have settled all your bills and taken out some for investment, if you still have enough left, it's advisable to use it to pay off your mortgage. Using an inheritance or insurance payout against your mortgage is useful, you might not get another opportunity to pay down that mortgage. However, your mortgage may have early liquidation fees which you have to consider. Where there is none, there's a higher incentive to pay off part or all of it.

Possible increase in the interest rate 

The fear of an increased interest rate on an adjustable mortgage would make you consider paying off your mortgage especially if it's at a period when you can afford the money.

Low risk-tolerance

If you just happen to be the kind of person who is not risk inclined and would rather have one investment as opposed to having several investments that might yield more increase, it's better you pay off your home's mortgage as soon as you can.

Minimal tax benefit

A lot of the time people drag their feet as regards paying off the mortgage early because of the tax advantage they enjoy from having a mortgage. If your tax benefit is minimal or none — meaning you are not benefiting from a tax deduction for mortgage interest — it's advisable that you pay off your mortgage. 

Paying off your mortgage is a personal choice that involves you looking at your whole financial picture to determine if it will be a wise decision. Speak to your financial planner for more insight.




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