Fabulous Canandaigua Colonial……Sold!

2,040 square foot, Colonial. Great 4 bedroom, 2.5 bath home on Lg lot, Open floor plan, master suite with bath & whirlpool tub, 2nd flr laundry, front porch,  back patio,partially finished basement. Don’t hassle with building; it’s all done and ready to go!

2nd Floor Laundry, Basement/Rec Room, Den/Study, Foyer/Entry Hall, Master Bath, Open Porch Garage Door Opener, Patio, Pet Containment, Satellite Dish, Central Air…and more!

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Save On PMI

If you have owned your home for more than five years, here is a tip that might save you thousands of dollars. Homes purchased with a loan greater than 80% require Private Mortgage Insurance, PMI.

The premium is typically one to two percent of the mortgage at closing and approximately ¼ to ½% per month for the renewals.

When your equity has increased to 20%, in most cases, you are no longer required to have the PMI but you will have to petition them to have it removed. One way for your equity to increase is to reduce the principal down to 80% of the original purchase price.

However, this usually takes 12 or more years unless you are making additional principal contributions.

The most common way for your equity to increase is for the value to increase. The difference between the unpaid balance and what it is worth is your equity.

The mortgage company may require a new appraisal to prove the current worth but before you spend the money, ask them if they’ll accept the assessed value.

Just give me a call at 585-393-9919 and I’ll supply you with the assessed value and sales of comparable homes in your area. If there is anything else I can do for you, please let me know. Our if you have any questions about Real Estate in Canandaigua feel free to contact me.

Questions to Ask Your Canandaigua Real Estate Agent Part 2

Do you have a performance guarantee?
If I am not satisfied with your performance, can I terminate our listing agreement?
In the heavily regulated world of real estate, it can be difficult for an agent to offer a performance guarantee. If your agent does not have a guarantee, it does not mean they are not committed to high standards. Typically, he or she will verbally outline what you can expect from their performance. I appreciate the importance of win-win business relationships: the agent does not benefit if the client does not also benefit.

How will you get paid?
How are your fees structured?
May I have that in writing?

In many areas, the seller pays all agent commissions. Sometimes, agents will have other small fees, such as administrative or special service fees, that are charged to clients, regardless of whether they are buying or selling. Be aware of the big picture before you sign any agreements. Ask for an estimate of costs from any agent you contemplate employing.
How would you develop pricing strategies for our home? Read more

Questions to Ask Your Canandaigua Real Estate Agent

Do you have a Website that will list my home?
Can I have your URL address?
Who responds to emails and how quickly?
What’s your email address?
Many buyers prefer to search online for homes because it’s available 24 hours a day and can be done at home. So you want to make sure your home is listed online, either on the agent’s Website or on their company’s site.
By searching your agent’s Website you will get a clear picture of how much information is available online.

How will you keep in contact with me during the selling process, and how often?
Some agents may email, fax or call you daily to tell you that visitors have toured your home, while others will keep in touch weekly. Asking this question can help you to reconcile your needs with your agent’s systems.
What do you do that other agents don’t that ensures I’m getting top dollar for my home? What is your average market time versus other agents’ average market time? Marketing skills are learned, and sometimes a real estate professional’s unique method of research and delivery make the difference between whether or not a home sells quickly. For example, an agent might research the demographics of your neighborhood and present you a target market list for direct marketing purposes.

Will you give me names of past clients?
Interviewing an agent can be similar to interviewing someone to work in your office. Contacting references can be a reliable way for you to understand how he or she works, and whether or not this style is compatible with your own.

Are you a full-time professional real estate agent?
How long have you worked full time in real estate?
How long have you been representing buyers?
What professional designations do you have?
Knowing whether or not your agent practices full time can help you determine potential scheduling conflicts and his or her commitment to your transaction. As with any profession, the number of years a person has been in the business does not necessarily reflect the level of service you can expect, but it is a good starting point for your discussion. The same issue can apply to professional designations.
Do you have a personal assistant, team or staff to handle different parts of the purchase?

What are their names and how will each of them help me in my transaction?
How do I communicate with them?
It is not uncommon for agents who sell a lot of houses to hire people to work with them. As their businesses grow, they must be able to deliver the same or higher quality service to more people. You may want to know who on the team will take part in your transaction, and what role each person will play. You may even want to meet the other team members before you decide to work with the team. If you have a question about fees on your closing statement, who would handle that? Who will show up to your closing?

Do you have a Website that will list my home?
Can I have your URL address?
Who responds to emails and how quickly?
What’s your email address?
Many buyers prefer to search online for homes because it’s available 24 hours a day and can be done at home. So you want to make sure your home is listed online, either on the agent’s Website or on their company’s site. By searching your agent’s Website you will get a clear picture of how much information is available online.

How will you keep in contact with me during the selling process, and how often?
Some agents may email, fax or call you daily to tell you that visitors have toured your home, while others will keep in touch weekly. Asking this question can help you to reconcile your needs with your agent’s systems.
What do you do that other agents don’t that ensures I’m getting top dollar for my home? What is your average market time versus other agents’ average market time? Marketing skills are learned, and sometimes a real estate professional’s unique method of research and delivery make the difference between whether or not a home sells quickly. For example, an agent might research the demographics of your neighborhood and present you a target market list for direct marketing purposes.
Will you give me names of past clients?

Interviewing an agent can be similar to interviewing someone to work in your office. Contacting references can be a reliable way for you to understand how he or she works, and whether or not this style is compatible with your own.

If you would like more information about Canandaigua Real Estate….
Please feel free to contact me anytime at 585-393-9919

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