Christine Sosa - RE/MAX On The River



Posted by Christine Sosa on 12/20/2017

This great little half house, 2 bedroom, with it's own private yard and deck is located within close proximity to downtown, water front, sea wall, beaches, and all major transportation. The first floor consists of living room, dining room, and fully applianced kitchen. Pet friendly allowing small pets to walk right outside to fenced yard and spacious deck for your quiet enjoyment and entertaining with friends. Kayak in the beautiful and serene Merrimack River, swim at Plum Island's beautiful beaches and explore the exciting downtown of Newburyport. Off street parking across the street at the Brown school during snow emergencies. Laundry and storage space in basement.

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Posted by Christine Sosa on 10/2/2017

What does it take to acquire a top-notch home in a seller's market? Ultimately, it may prove to be a lot of work, especially for first-time homebuyers.

In a seller's market, there is an abundance of homebuyers and a shortage of home sellers. As a result, high-quality houses sell quickly, and homebuyers who lack real estate insights may miss out on an opportunity to purchase their dream residence.

Lucky for you, we're here to teach you about the ins and outs of a seller's market and ensure you can secure a first-rate house in any housing market, at any time.

Now, let's take a look at three tips for homebuyers who want to purchase a house in a seller's market.

1. Understand Your Homebuying Needs

Know what you want to find in a dream home before you start checking out properties. That way, you can narrow your home search and pounce on new homebuying opportunities as soon as they become available.

Creating a list of must-haves for your dream home may prove to be a great idea. This list will enable you to refine your home search and accelerate the homebuying process.

Also, consider your immediate and long-term home needs. If you plan to raise a family in a new home, you may want to consider exploring houses that are close to schools. Or, if you don't own a car but work in a major city, you may want to assess properties near public transportation.

2. Examine Your Finances Closely

Let's face it – the temptation to outbid rival homebuyers can be overwhelming in a seller's market. However, homebuyers who understand what they can afford can map out their home search accordingly.

Get pre-approved for a mortgage before you start looking at homes in a seller's market – you'll be glad you did. With a mortgage in hand, you'll know what you can spend on a new house and tailor your home search based on your budget.

Don't forget to meet with several banks and credit unions to explore all of your mortgage options as well. By doing so, you can learn about different mortgage options and select the right one based on your finances.

3. Work with a Real Estate Agent

A real estate agent understands that buying a home in a seller's market can be exceedingly difficult. As such, he or she will do everything possible to help you purchase a great residence at an affordable price.

Collaborating with a real estate agent is a must, especially for homebuyers who are operating in a seller's market. A real estate agent can set up home showings and negotiate with home sellers on your behalf. Plus, he or she can keep you up to date about new houses that will meet or surpass your expectations.

Buying a home should be a fast, easy process, even for homebuyers who are searching for a residence in a seller's market. Thanks to the aforementioned tips, you should have no trouble navigating a seller's market and acquiring a superb residence.




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Posted by Christine Sosa on 9/25/2017

Looking to put together an offer on a house? Ultimately, you'll want to submit a competitive first offer. By doing so, you can speed up the process of acquiring your dream residence.

When it comes to submitting a competitive home offer, however, it is important to understand what differentiates a "fair" proposal from a subpar one.

To better understand how to submit a competitive proposal, let's take a look at three best practices that every homebuyer needs to consider before making an offer on a house.

1. Evaluate the Housing Market

If you plan to buy a house, you'll want to examine the real estate market closely. That way, you can identify housing market patterns and trends and plan accordingly.

For example, if you find there is an abundance of high-quality houses available, you may be entering a buyer's market. In this market, there likely is a shortage of homebuyers, which means a competitive offer at or near a home seller's asking price is sure to grab this individual's attention.

On the other hand, if you notice that homes are selling quickly in a city or town, you may need to prepare for a seller's market. If you pursue houses in a seller's market, you may need to act quickly due to the sheer volume of buyers competing for the same residences.

Clearly, a comprehensive housing market analysis can make a world of difference for homebuyers. With in-depth housing market insights at your disposal, you'll be better equipped than other buyers to submit a competitive first offer on any residence, regardless of the current real estate market's conditions.

2. Get Your Finances in Order

What good is a competitive home offer if you cannot afford to buy a residence? If you secure a home loan, you can narrow your home search to properties that you can afford. Then, you'll be able to submit a competitive offer that ensures you won't have to break your budget to purchase your dream residence.

Also, if you're unsure about how your financial situation will impact your ability to buy a house, you should consult with banks and credit unions in your area. These financial institutions can help you get pre-approved for a home loan, establish a homebuying budget and much more.

3. Collaborate with a Real Estate Agent

When it comes to submitting a competitive home offer, it pays to receive expert homebuying support. Fortunately, you can hire a real estate agent who is happy to help you put together a competitive home offer.

A real estate agent can provide housing market data that you may struggle to obtain elsewhere. Plus, this housing market professional can offer unbiased home offer recommendations to ensure you can get an instant "Yes" from a home seller.

Collaborating with a real estate agent is a great option for homebuyers in all cities and towns. Reach out to local real estate agents today, and you can get the help you need to submit a competitive offer on any residence.




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Posted by Christine Sosa on 9/18/2017

While they have become ubiquitous with the emergence of suburban neighborhoods and townhouses, homeowners associations (HOA, for short) are a relatively new phenomenon.

In modern America, there are many ways to live: apartments, condominiums, houses, townhouses, and now even “tiny houses” are gaining traction. But it wasn’t until the late 1900s that property owners began to experiment with alternative ways of living that revolved around share, “common spaces.”

What constitutes a common area?

Whether you live in an apartment, a house, or in your RV you likely experience common areas every day that are owned by the government. Roads, bridges, and parks are all common areas in that they are used by multiple people and their upkeep is paid for with taxes.

If you take that analogy and apply it to the greenways and lobbies of a condominium, or the streets and sidewalks of a gated community, there are few differences.

What is a homeowners association?

When a developer plans a new community they will often create a homeowners association that will be managed by the people who move into the houses or condominiums. Once a certain number of people have moved into the development and joined the HOA the developer will typically hand over ownership to the HOA and relinquish their legal rights and responsibilities of the land. From there, the HOA typically has complete control over management. Though it should be noted that states have their own HOA related laws with varying levels of oversight.

What does an HOA do?

The most common thing we associate with HOAs is fees and rules. People who move into a community governed by a homeowners association are typically required to join the HOA and are therefore obligated to pay fees and adhere to the guidelines set down by the HOA board.

The fees you pay will go towards maintenance and development of the common areas of your community. That usually amounts to landscaping, maintaining pools and fitness complexes. Fees can range from anywhere between $200 and $450 per month depending on where you live.

HOAs also enforce regulations that homeowners must follow. These vary depending on the community but often include building restrictions for things like fences and additions, as well as other ways that homeowners can customize their homes such as paint and vinyl color. Some homeowners associations go so far as to regulate whether or not a homeowner may fly the flag on their favorite sports team over their door.

Advantages and disadvantages

So what are the advantages and disadvantages you can expect when you belong to a homeowners association? Let’s start with the clear disadvantages. If you are a tinkerer or someone who relishes the freedom to do what they want with their property, living in an HOA-run community might not be right for you. If your salary isn’t quite what you’d like it to be, the cost of living in an HOA neighborhood, along with the monthly fees, might be a bit more than you’re comfortable with.

What about the advantages? First, you can expect that the neighborhood will be well-maintained. This brings about another advantage in that you can expect your property value to grow or at least remain stable thanks to the quality of the neighborhood being carefully managed.




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Posted by Christine Sosa on 9/11/2017

There's an element that many home sellers don't think about when they start working with a realtor. As odd as it seems, even homeowners who plan to sell their house independently don't always think about this element when they start planning their marketing and pricing strategy.

Find out what helps you to sell your house that has absolutely nothing to do with your house

Yet, realtors and bankers who work for large firms receive in-depth training about this very thing. You use the element every day, often subconsciously. Business leaders rely heavily on this element. They know that the element is key to landing a sale.

What is the element that home sellers miss, the element that is critical in the sales industry? Communication.

It doesn't matter whether you are writing a house posting or writing content for the video ad that you are running on your house sale. It also doesn't matter if you're in the process of staging your house. Communication is key to the success of your efforts.

You need to engage with house hunters to encourage these house shoppers to become increasingly interested in exploring your home during an open house. Simple ways to do this include:

  • Sharing unique stories about warm emotional experiences that you created or enjoyed while inside your house
  • Telling house hunters how your house met the different stages of you and your family's lives
  • Laughing with people who visit your open houses when they share funny tidbits from their lives with you (Your lightheartedness could instill trust in prospective buyers.)
  • Actively listening to people while they are speaking (This may be the single most powerful way to let people interesting in touring or buying your house know that you respect them and value their ideas and opinions.)
  • Asking house shoppers what they are looking for in a house, any house
  • Honestly answering questions that house shoppers poise even if it means that you have to tell house hunters about damages  property

Communication is the difference between losing or winning a sale

Each of these communication skills is important whether you are talking with your real estate agent or a potential house buyer. You have many opportunities to practice these communication skills at work, home or while you are at play.

One way that you will know that your communication style is working is by paying attention to how your realtor responds to your requests. For instance, if you tell your realtor that you want to only schedule open houses on Saturdays between 2 pm and 6 pm only to have your real estate agent schedule the next two open houses on a weekday evening, it might be time to brush up on your communication skills.

It's important that people clearly understand what you are trying to convey. Get the right message across, a message that lays out the benefits that people will immediately step into when they buy and move into your home, and you could significantly shorten the time that it takes to sell your house.




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