RE/MAX 440
Patty Jo Anzivine
pattyjovine@gmail.com
Patty Jo Anzivine
4550 W. Tilghman Street
Allentown  PA 18104
PH: 610-390-0415
O: 610-398-8111
F: 267-354-6902 
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Seven Tips on Successfully Buying Your Dream House

June 16, 2013 7:34 am

1. Be preapproved: About three or four months before homebuyers even shop for a home, they should review their credit reports to make sure they're accurate and take short-term steps to improve their credit score, says Michael Corbett, author of “Before You Buy!” Corbett says buyers should then get a bank's preapproval. While that won't guarantee they'll get the loan, it shows sellers that a lender has verified the buyer's income and credit score to determine that he or she can afford payments on a mortgage for a certain amount.

2. Don't lowball: Buyers may only get one chance to get the home they want in a competitive market. They may not get a second try to sweeten the deal later, so a low-ball offer the first time around could cause them to lose out. Buyers should use sales prices of comparable properties in the neighborhood to submit their best offer the first time around.

3. Consider an escalator clause: These purchase contract clauses are becoming more popular again. This is when the buyer agrees to increase their offer if there's a higher bid from another buyer.

4. Add earnest money: The extra deposit can show sellers how serious the buyer is. Some buyers may even double the amount that the seller requests to show their commitment in purchasing the home.

5. Keep contingencies to a minimum: Sellers prefer no contingencies, but buyers want to protect their interests too. "Offset a financing contingency with preapproval and a strong earnest money deposit," Kiplinger's Personal Finance reports. "If you have enough cash, temper an appraisal contingency by assuring sellers that if the appraisal comes in lower than the purchase price, you'll pay the difference or split it with them (up to a certain amount)."

6. Write a letter: Personal love letters about the home addressed to the sellers are winning over some hearts lately. The letters tell the seller about the buyer and what drew the buyer to the home.

7. Give the gift of time: Express your willingness to work with the sellers' timetable to go to closing. If the sellers want to remain in the home for a while after closing, offer them a "lease back" or "rent back," which means that you will be their temporary landlord. This is a legal arrangement, and you'll need to work out the details with your agents and be sure that the sellers keep their homeowners insurance during their stay. If you are bidding on a short sale, make clear to the sellers that you are patient and can wait for the bank's decision .

Tanya Marchiol has appeared on CNBC, Fox Business News & Wall Street Journal is Author of the new book "The Prosperity Principles." In 2013, Arizona Business Magazine named Marchiol "Realtor Of The Year."

Published with permission from RISMedia.


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Packing Tips for Summer Moves

June 12, 2013 2:08 am

(BPT) - Let's face it - moving is hard. Along with the stress of leaving a familiar place and adapting to new surroundings, moving means packing, loading, transporting, unloading and unpacking everything you own - as well as everything you forgot you owned.

While relocation may never be completely carefree, there are ways to ease the anxiety. A well-thought-out approach to boxing up belongings can help simplify the moving process and bring you one step closer to making your new house a home.

Box it up. To be prepared for packing, seek out a large quantity of clean, sturdy containers in a variety of shapes and sizes. When selecting boxes, you may choose to purchase new ones, helping to ensure they can withstand the rigors of moving. You can also purchase dividers, which come in handy for packing glasses and other small, fragile items. No matter what you are using, remember not to over-pack. As a general rule, heavier items should be placed into smaller boxes to avoid too much strain on the box (and your back).

Leave it. The easiest packing is no packing at all. Moving is the perfect time to clear the clutter out of your life. Before boxing up your belongings, decide what to keep. Clothing and housewares in good shape can be donated, and broken or unused old items can be tossed or given to someone who can repurpose them.

Mind the supplies. The right tools can go a long way toward easing the moving process. Pick up plenty of quality wrapping material, like Bubble Wrap Brand cushioning, as well as strong packaging tape to help make boxing up your belongings a painless process. Don't get caught up in common frustrations that cause stress and waste time, such as tape that constantly tears or splits or struggling to find the tape end. Choose a quality tape, like Duck brand EZ Start packaging tape (packagingtape.com), for your moving needs; the brand's Frustration Free special release technology ensures that you never lose the tape end.

Organize and prioritize. Pack from room to room and label boxes based on box contents, where boxes will be unpacked in the new location and priority. EZ Start packaging tape provides a solution here, too - with different prints to choose from, boxes can be organized and prioritized according to the particular design used.

Get help. Be organized to help the entire moving day run smoothly, so that your volunteers aren't waiting around for a job to do. Providing tasty snacks and drinks is a thoughtful way to say thank you, as are gift cards for coffee, movie theaters or their favorite stores.

Pack a survival kit. Moving can be exhausting, and an all-day move may not wrap up until late in the evening. Don't spend your first night in your new home unpacking. Instead, pack a survival kit or an "Open Me First" box with essentials to get you through that first night. Make sure to include some fun items, such as your favorite movie or a batch of brownies, to reward yourself for a hard day's work.

Moving day may never rival a beach vacation, but these simple tips can make it a lot less stressful and help you enjoy your new home faster and easier.

Published with permission from RISMedia.


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Tips to Avoid AC Repair This Summer

June 12, 2013 2:08 am

Continuously running an air conditioning unit during the summer can send homeowners calling for AC repair. Take the following advice to prevent your unit from getting overworked:

One of the most common problems is a poor refrigerant charge. A home that has a unit that is constantly running, but isn't getting cool may have a refrigerant problem.

The power source should always be checked first if a unit stops working. Check to be sure the thermostat is on the correct setting and the unit is properly plugged in. If those are correct, check the fuse box to be sure a switch has not been flipped.

Lack of maintenance on the homeowner's part can also lead to repair. Homeowners should properly change air filters, clean the system and maintain regular check-ups to maintain a unit's efficiency. Yearly maintenance appointments should also be scheduled with a licensed technician.

"Homeowners should clean the air conditioner periodically, as well," says Phil Montgomery, owner of Atlanta Heating and Air Conditioning. "Using a garden hose, a homeowner can spray down the coils, and then use an air conditioning cleaner on them. Homeowners should be sure to follow all directions on the cleaning solution and thoroughly rinse the coils after cleaning them. The unit should be allowed to dry thoroughly before being used."

Locate the unit's drain outside and use a wet/dry vacuum to clean the drain of any debris. Be sure the drain has a cap that covers it to keep debris out of it. Remove any twigs, grass, or other debris that might have entered the outside unit. Homeowners should periodically clean the outside unit to maintain maximum efficiency.

Source: Atlanta Heating and Air Conditioning

Published with permission from RISMedia.


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Appraisal Institute Calls on Congress to Pass Green Real Estate Bill

June 12, 2013 2:08 am

The nation’s largest professional association of real estate appraisers announced its support for federal legislation that would improve the mortgage underwriting process by ensuring appraisers are provided relevant property information relating to green and energy-efficient features.

The Appraisal Institute expressed its backing of the recently introduced Sensible Accounting to Value Energy Act of 2013. “We strongly support the SAVE Act because it would require the use of qualified, competent appraisers,” said Appraisal Institute President Richard L. Borges II, MAI, SRA. “We also are pleased that it would help ensure that appraisers have access to data and information needed to analyze the effects of energy-efficient home improvements in the marketplace.”

The SAVE Act would instruct federal loan agencies to assess a borrower’s expected energy costs when financing a house. The U.S. Department of Housing and Urban Development would issue updated underwriting and appraisal guidelines for any loan issued, insured, purchased or securitized by the Federal Housing Administration or any other federal mortgage loan insurance agency.

The bill establishes two methods for determining expected annual energy costs: average utility costs, derived from the Department of Energy’s Residential Energy Consumption Survey database and adjusted for the square footage of the home, or if available, a qualified, independent energy report of the subject property. The measure includes two primary features, both optional: an affordability test and a loan-to-value adjustment.

Borges said the SAVE Act would help protect taxpayers from another foreclosure crisis; would lower utility bills for U.S. households; would remove from federal mortgage policy an impediment to home energy efficiency; would drive business and job growth in the construction and manufacturing sectors; would expand the accessibility and affordability of energy-efficient homes; and would reduce U.S. energy dependence.

“The Appraisal Institute is pleased this bill would help improve communication and the flow of information among appraisers, lender clients and those interacting with the mortgage lending process,” Borges said. “The SAVE Act would require that appraisers are provided with all relevant information relating to energy-efficient features of properties. And by defining these types of appraisal assignments as ‘complex,’ the SAVE Act would help ensure those properties are valued by an appraiser with enhanced competency who can more thoroughly analyze and make appropriate judgments for building energy performance and who can help lenders understand their collateral risk.”

Published with permission from RISMedia.


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Increasing Mosquito Prevention Curbs West Nile and Other Diseases

June 11, 2013 1:10 am

Health officials all over the country warn about the West Nile Virus throughout the hot summer months. Rain and summer heat waves are prime breeding grounds for mosquitoes, which can spread the West Nile Virus, dengue fever, encephalitis, canine heartworm and other diseases.

Because mosquitoes lay their eggs in standing water, Health Department officials are asking everyone to take steps to reduce standing water to stop mosquitoes from multiplying. To reduce mosquito populations:

• Drain water from garbage cans, house gutters, buckets, pool covers, coolers, toys, flower pots or any other containers where sprinkler or rain water has collected.
• Remove and discard old tires, drums, bottles, cans, pots and pans, broken appliances and other items left outdoors that can collect water.
• Empty and clean birdbaths and pet water bowls at least once or twice a week.
• Protect boats and vehicles from rain with tarps that don’t accumulate water.
• Maintain swimming pools in good condition with appropriate chlorination. Empty kids’ swimming pools when not in use.

Where standing water collects, use a product with all-natural Bti to disrupt mosquitoes’ breeding cycle. The Bti in a Mosquito Dunk will kill mosquito larvae in birdbaths, ponds, animal watering troughs and other standing water before they become biting, disease-carrying adults. Mosquito Dunks are safe for pets, wildlife and fish, and they are approved for organic use.

Published with permission from RISMedia.


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Fatherly Tips for Raising Healthy, Successful Kids

June 11, 2013 1:10 am

(Family Features) Everyone knows the classic love story. Man and woman fall in love, get married, have a baby and live happily ever after. However, real life isn’t always the fairy tale. While today’s version of the modern family has changed over time, the importance of parental involvement in children’s lives has not.

However, one out of every three American children (about 24 million) lives in a home without their biological father. According to research by the National Center on Addiction and Substance Abuse at Columbia University (or CASA), these children are more likely use drugs and experience educational, health, emotional and behavioral problems.

“Having both biological parents active in a child’s life has proven to have a positive effect on both the child’s social development and academic achievement,” says Dr. Janet Taylor, an author and community psychiatrist in the New York City area who frequently counsels families.

For kids, growing up in an environment where both parents are involved is important to their long-term development, health and well-being. Dr. Taylor provides the following advice for dads on how they can stay active in their child’s life, even if they are not the primary caregiver.

Share meals together: According research by CASA, children who share regular meals with their parents earn better grades in school than those who do not. Set a goal to share a meal with your child at least two days per week. Dinner doesn’t have to be elaborate. The focus should be on communication.

Plan fun activities: No matter where you go or how much money you spend, every moment spent with your child is a chance to create positive memories. Set aside time to celebrate your kids’ accomplishments and special occasions. This will increase the child’s confidence and encourage them to keep trying.

Get involved at school: Fathers are a positive force in their children's education. According to a study by the National Center for Education Statistics, when fathers get involved in their child’s education, the child is more likely to get good grades, enjoy school and participate in extracurricular activities.

Source: Identigene

Published with permission from RISMedia.


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Americans' Optimism about Buying and Selling a Home Hits Record Levels

June 11, 2013 1:10 am

Americans’ confidence in their ability to buy and sell a home climbed sharply in May, likely due to reports of strong home price gains, according to results from Fannie Mae’s May 2013 National Housing Survey. The share of respondents who say now is a good time to sell a home reached a record high of 40 percent, compared to 30 percent in April and 16 percent one year ago. At the same time, the share of those who say it is a good time to buy a home moved up 5 percentage points from April to a survey high of 76 percent. Americans’ average 12-month home price change expectation also reached a survey high in May, climbing to 3.9 percent from 2.7 percent in April.

“Sentiment toward selling a home appears to be catching up with the strengthening housing market,” said Doug Duncan, senior vice president and chief economist at Fannie Mae. “The share of consumers who think it’s a good time to sell a home spiked this month, the largest increase in the survey’s three-year history. This jump may foreshadow a gradual return to more normal levels of housing supply from their lows of recent months. In turn, increased housing supply could serve to temper increasing consumer home price expectations. We will closely watch the potential impact of rising mortgage rates on consumer housing sentiment in the coming months.”

Currently, 46 percent of Americans think it would be easy for them to get a mortgage today, retreating slightly from April’s survey high, while 50 percent believe it would be difficult to get a mortgage. Consumers have been asked since the survey’s inception in June 2010 for their perceived ease or difficulty in getting a mortgage, and the question was added in May 2013 as an indicator to the monthly data findings report to help determine whether rising mortgage rates affect their views.

Findings:

Homeownership and Renting

• The average 12-month home price change expectation jumped to 3.9 percent, the highest level since the survey’s inception.
• The share of people who say home prices will go up in the next 12 months hit a survey high of 55 percent, while those who say home prices will go down dropped to 7 percent, the lowest level since the survey’s inception.
• The share of respondents who say mortgage rates will go up increased 3 percentage points to 46 percent, while those who say rates will go down hit a survey low of 5 percent.
• At 76 percent and 40 percent, respectively, the shares who say it is a good time to buy a house and who say it is a good time to sell a house both reached survey highs.
• The average 12-month rental price change expectation dropped to 3.4 percent, the lowest level since September 2012.
• Holding steady from last month, 48 percent of those surveyed say home rental prices will go up in the next 12 months.
• Retreating slightly from last month’s survey high, 46 percent of respondents think it would be easy for them to get a home mortgage today.
• The share of respondents who said they would buy if they were going to move increased slightly to 66 percent.

The Economy and Household Finances

• At 40 percent, the share of respondents who say the economy is on the right track increased slightly from April.
• The percentage of people who expect their personal financial situation to get better over the next 12 months held steady at 41 percent.
• The share of respondents who say their household income is significantly lower than it was 12 months ago fell 3 percentage points to a survey low 13 percent.
• The percentage of respondents who say their household expenses are significantly higher than they were 12 months ago rose slightly to 32 percent.

Published with permission from RISMedia.


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Stay Safe This Summer: BBQ Safety Tips

June 10, 2013 1:08 am

According to the National Fire Prevention Association there are 5,000 outside BBQ grill fires annually that require fire departments to respond. And there are another 3,600 BBQ grill fires that cause damage to the structure of homes.

Here are some quick tips to help you enjoy a safe BBQ grilling season:

1. Before you use your BBQ grill:

• Repair any damaged energy supply connections such as gas tanks, hoses and electrical connections.
• Replace any corroded BBQ grill parts.

2. Locate your BBQ grill a safe distance from your home, wooden deck and anything flammable. Always keep your BBQ grill in a place where children are not playing. Your Operator's Manual should give you an explanation on proper BBQ grill placement.

3. Always follow the lighting instructions in the operator's manual that came with your BBQ grill.

4. Never leave a BBQ grill unattended and have a fire extinguisher close by.

5. Clean your BBQ grill regularly
to remove grease. Grease can cause flare-ups that can be deadly.

And before you fire-up your BBQ grill for the 2013 season, be sure to check and remove any rodent nests, spider webs and other debris that might affect the safe operation of your BBQ grill.

Source: The BBQ Cleaner

Published with permission from RISMedia.


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Don't Get Stung Rushing into A Pest Control Contract

June 10, 2013 1:08 am

Not to be a pest, but I recently discovered a very big ant problem involving very small ants. And while the change of season apparently diverted their attention from the cupboard to the more diverse and easy to access bounty of the great outdoors, the prospect of calling in a pest control service was pretty daunting.

The regional Better Business Bureau apparently hears from a lot of nervous pending pest control clients, because the agency just issued a punch list of warnings to ensure you don't get stung by unscrupulous pest management services. In 2012, more than 786,000 people turned to Better Business Bureau for information on pest control services.

BBB and NPMA recommend the following tips for finding a qualified pest management professional:

Check them out - Evaluate pest control professionals and companies that are members of national, state or local associations. Ask friends and neighbors to recommend pest control companies they have used successfully and ask how satisfied they were with the service.

Always deal with a qualified and licensed pest management company - Ask to see the license or other credentials of the pest control professional that comes to solve your pest problem.

Don’t rush - If a sizable amount of money is involved, get bids from several pest management companies.

Understand before you sign - Before signing a contract, be sure to fully understand the nature of the household pest to be exterminated, the extent of the infestation, and the work necessary to solve the problem. Find out if the pest control company has liability insurance to cover any damages to your house or furnishings during treatment.

If a guarantee is given, know what it covers, how long it lasts, what you must do to keep it in force, and what kind of continuing control, prevention and management are necessary.

Don’t fall for high-pressure sales tactics - Buy value, not price. Beware of companies that offer bargains that sound too good to be true. Be wary of companies that come to your home uninvited and offer to give your house a free inspection for pests or press you for immediate and/or costly treatments.

Published with permission from RISMedia.


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Finance Tips for First-Time Homebuyers

June 10, 2013 1:08 am

According to a recent PulteGroup Home Index Survey, more than half of renters aged 18-34 say their intention to buy a home has increased in the last year. While their intentions are in many ways driven by personal, aspirational reasons – more space, family stability and the pride of homeownership – the low mortgage rate environment, increasing rental costs and scarcity of desirable rental options makes homeownership an even more attractive proposition for many.

"The propensity for young adults to test the waters of homeownership continues to increase and has become more evident as renters are seeing the overall value of owning a home," said Deborah Wahl, senior vice president and chief marketing officer at PulteGroup, Inc., noting that more than 50 percent of millennials reported that the desire to own/build equity was the primary reason for purchasing a new home. "However, beyond finances, it is important for potential buyers to take several other factors into consideration."

Here are a few tips for first-time homebuyers looking for the right housing match:

• Know Your Financial Situation – Start saving for a down payment and talk with mortgage lenders about available loans well in advance of your purchase. Understand there are special federal, state and locally administered financial programs for new homebuyers, such as FHA and HUD loan programs. Additionally, it's important to take into account other factors beyond your mortgage, including homeowners insurance and property taxes. By doing your homework, you will know what you can afford and comfortably make a decision about this important investment.

• Compare Owning vs. Renting – Buying can be smarter than renting from a financial standpoint, but it has other advantages, as well. Owning a home provides you with a great deal of freedom and decision-making autonomy. No more will you have to worry about the noisy neighbor upstairs or accidental scratches on the wall from decorations. You'll have the power to select paint colors and plant flowers throughout the yard. Also, houses tend to offer more storage space.

• Weigh New vs. Used – If you want to choose the floor plan and customize a home to fit your needs and lifestyle, building a new home may be the right choice for you. Popular options new homes offer today include more open, larger spaces, master bedroom suites, island-centric kitchens and bigger outdoor living space. Customizing a new home also provides the opportunity to design your home and include amenities that meet the needs of your growing family – if that's in your future. Additionally, new homes can be up to 30 percent more energy efficient and often come with a builder warranty. If you're handy and don't mind a fixer upper, resale can be an attractive route as well.

• Examine the Location – Consider your surroundings when deciding where you want to live next. If you plan to start a family, research the local school district and other family offerings such as nearby parks and community centers. For fun, test out the local retail scene and entertainment options to see if it caters to your lifestyle. If you're a commuter, determine if the area is supported by adequate public transportation or provides easy access to major highways. Many in the housing market also care about ensuring they still live within close proximity to family and friends, as only 21 percent of homeowners are willing to move away from their families.

• Select the Right Builder – If you decide on a new home, select a builder who has experience in the type of home and in the location you want. Make sure they have a history of building quality homes and are financially stable. Moreover, how easy are they to work with? Some builders today have gone digital to enhance customer service and help buyers stay on top of the latest with their new home. Look for online design centers that can help you make important design decisions, for example, or portals in which you can stay up-to-date on how your new home is progressing. Lastly, take time to check their references and talk to past customers.

• Confide in Trusted Sources – More than 90 percent of home shoppers today are plugged into the internet and use it as their main source of information. While this is particularly true with millennials, don't forget to seek advice from two trusted groups: real estate agents and your personal network, including your parents. Approximately 60 percent of millennials say they would rely on both sources, as each has extensive experience in purchasing homes and can provide personal guidance toward the successful purchase of their home.

"With third-party data showing that 90 percent of millennials plan to purchase a home at some point in their lives, it's important first-time homebuyers have access to the right tools and information to ensure their first home purchase is one they are proud of for years to come," added Wahl. "With many options to choose from, starting from a point of knowledge will go a long way towards achieving their dream of homeownership."

Published with permission from RISMedia.


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