Anne's Blog

Things Needed After Purchasing a Home

Anne Polichetti (Wilgus Associates, Inc) — Fri, 11 Dec 2009 21:40:28 -0600

Things Needed After Purchasing a Home

Now that you've signed all the paperwork and your loan is approved, it's time to move in. But wait! Before you put your feet up, there are a few things that you will need in order to make your new house a home.

Locks

Regardless of whether you purchase a newly constructed home or one that was formerly owned by someone else, it's important that you have the locks changed. Everyone from REALTORS® and contractors to friends and family of the former owner may have a key, which is why getting new locks should be at the top of your list.

Furnishings

You can't hang your hat without a hatrack, so don't forget to add some necessary furnishings. Some homes may include appliances and possibly even some furniture, but most homeowners prefer to decorate their house themselves. After all, someone else's taste in decor may not necessarily be the same as your own. If you purchase from a furniture store, they will handle the delivery for you. Otherwise, you can hire a moving company.

Even if your new home is equipped with appliances, you may still need to add a few items into the mix. For instance, a coffee maker, toaster, microwave or blender may be items you want for your kitchen. You will also need flatware, tableware and a quality dish drainer to hold your dishes that require the handwash method.

Tools

When you move into a new home, there will likely be some things to do that require the use of tools. Whether you need to assemble furniture, a desk for your office or just need to tighten some bolts here and there, a good set of tools is a necessity.

Personal Touches

No home is complete without personal touches that represent the new owner's taste, so don't forget to include them on your shopping list. Pictures, paintings, special window dressings, accent pillows, plants, decorative throws, accent rugs and bedding sets will create a custom interior that's all about you. Other things to consider include portable air cleaners, water filters, an answering machine, wastebaskets and a bathroom plunger.

If you like to entertain, equipping your backyard accordingly is a must. Patio furniture, an outdoor grill, landscaping tools and garden supplies are essential to creating an outdoor atmosphere that your family and friends are sure to love. Speaking of the outdoors, don't forget to purchase a lawnmower and trimmer unless you live in a subdivision where lawncare is included in the maintenance fees. If you live in an area that's prone to snowfall, keep this in mind when shopping for maintenance supplies.

The best way to tackle a large list of necessities is to keep a pad of paper nearby and write down each item as you think of it. Think about each area of your new home and do a mental inventory of what is needed. There will always be new items to add to the list, but you will cover the basics with your handy checklist of necessary items for your new home.

Outdoor Décor

Appliances & Cookware

Tools

Personal Touches

Outdoor Décor

Anne Polichetti a real estate agent with Wilgus Associates, Inc located in Lewes, Delaware

Anne Polichetti (Wilgus Associates, Inc) — Fri, 11 Dec 2009 21:28:55 -0600

My name is Anne Polichetti a real estate agent with Wilgus Associates, Inc located in Lewes, Delaware and I'd like to talk with you about real estate questions. I imagine that to a renter or first time buyer most real estate jargon sounds like Greek. But you may hesitate to call a REALTOR® with your questions for fear that you will then be harassed into doing something you don't want-like buying a home before you're ready!

As a REALTOR®, I am not interested in creating unhappy customers. My job security depends on creating long-term relationships with people who will want to use me again and again in the future. So let's say you are thinking about buying a home someday, but you have a lot of questions today. Well, it is definitely in my best interest to take care of your questions today so that when the big day rolls around (next year or the year after that) you will remember that friendly REALTOR®, (me!) who helped you way back when!!!

Now about those questions I mentioned? Don't worry-there aren't any bad questions! Real estate can be a complicated business. That's why I spent years learning all the ins and outs. There are no questions you could ask which would be any stranger than the ones I asked when I got started! So, give me a call at my office, 302-645-9215 ext 108 or on my cell phone at 302-228-6253 or click here http://www.4sale2soldrealty.com to find your own answers on my Web site.

I look forward to answering all your questions.

Sincerely,

Anne Polichetti,Realtor®GREEN

Wilgus Associates, Inc

1520 Savannah Road

Lewes, De 19958

302-645-9215

http://www.4sale2soldrealty.com

CELL 302-228-6253

Follow Warren Buffet's advice to "Be cautious when people are being greedy and greedy when people are being cautious."

Park Your Boat/Rv In Your Lewes ,De community, Custom Lewes Home

Anne Polichetti (Wilgus Associates, Inc) — Sun, 16 Aug 2009 18:37:04 -0500

20 Alderleaf Drive
Lewes, De 19958
Lewes Home, Chapel Green, Priced To Sell,$925 Tax

Anne Polichetti

Realtor,Green

Office:	(302) 645-9215
Mobile:	(302) 228-6253
Website:	Visit Website

Price	:	$379,900
Bedrooms	:	4
Bathrooms	:	3
Square Foot	:	2,500
Lot Size	:	21,780
Community	:	Chapel Green
County	:	De
Property Type	:	Detached
Year Built	:	2000
MLS Number	:	551579

click for more information and pictures

Property Description

Custom home featuring a gorgeous lawn and landscaping with fantastic curb appeal, meticulously maintained as is the interior of this 4 bedroom 3 bath home with a shared Jack and Jill bath between 2 of the bedrooms,private master bed/bath with a large soaking tub and seperate shower,and large walk in closet. Tray ceilings, Built in bookcases in the family room along with a fireplace make this room one you will want to spend a lot of time in. The sunroom is another fabulous room with views of the Koi pond and large back deck.No more running out of propane for your grill because the gas line is ready to hook up to your grill! Fios is also available here and it's in the DeElectric Co-Op area!
The community features include boat and RV parking for a nominal fee, inground pool, playground and tennis courts,clubhouse with excersize equipment,This home is move in ready and a must see if you are looking for a Lewes Delaware Home. Taxes are $925 Annually, so much home, and so many ammenties you will use and love!

Features List

Lewes Address	4-Seasons Room	Tennis
Boat and Rv Parking	Back Deck	Location, Location!
Hardwood Floors	Koi Pond	Clubhouse
Landscaped	Fios	Low De Taxes
Split Floor Plan	De Electic Co-Op	Move In Ready
Jack and Jill Bath	Pool
Tray Ceilings	Playground

Equal Housing Opportunity.

Wilgus Associates, Inc 1520 Savannah Road : 1520 Savannah Road - Lewes De 19958 : (302) 645-9215

Ranch Home, Milford, De,$249,900

Anne Polichetti (Wilgus Associates, Inc) — Wed, 05 Aug 2009 07:29:39 -0500

4 Royal Court
Milford, de 19963
Ranch Home With Full Basement, Milford,De

Anne Polichetti

Realtor,Green

Office:	302-645-9215
Mobile:	302-228-6253
Website:	Visit Website

Price	:	$249,900
Bedrooms	:	3
Bathrooms	:	2
Square Foot	:	1,800
Lot Size	:	0
Community	:	Orchard Hill
County	:	Sussex
Property Type	:	Detached
Year Built	:	2006
MLS Number	:	565948

click for more information and pictures

Property Description

TEXT "57766" to 79564
You'll be amazed at the incredible woodworking/craft/storage space and the many projects you will enjoy doing in here in this great 3 bedroom 2 bath ranch home located in the Orchard Hill community of Milford.Home is located on a cul-de-sac street and features 42" solid oak kitchen cabinets, brekfast bar,large master bedroom with sitting room, and super soaking tub. 9" ceilings, gas fireplace with marble surround and "smart home" hi-tech wiringLarge 12x24 Trex deck.Approx 16 miles north of Lewes is where you will find this home, convienent location. A must see at $249,900,more info at http://www.4sale2soldrealty.com

Features List

42" Kitchen Cab	Large Master Bedroom
Large Back Deck	Sitting Area Master
Large Closets	Gas Fireplace
Large Sunny Rooms	Taxes: $1,738.00
Kitchen Breakfast Ba	Bathroom Rough in
Open Concept	Low De Taxes
Trex deck

Equal Housing Opportunity.

Wilgus Associates, Inc : 1520 Savannah Road - Lewes De 19958 : 302-645-9215

Milford De Home For Sale, Meadows At Shawnee

Anne Polichetti (Wilgus Associates, Inc) — Wed, 05 Aug 2009 07:25:42 -0500

5 W. Bullrush
Milford, De 19963
Home For Sale, Meadows At Shawnee

Anne Polichetti

Realtor,Green

Office:	302-645-9215
Mobile:	302-228-6253
Website:	Visit Website

Price	:	$325,000
Bedrooms	:	4
Bathrooms	:	2.5
Square Foot	:	3,100
Lot Size	:	10,890
County	:	sussex
Property Type	:	Detached
Year Built	:	2006
MLS Number	:	569781

click for more information and pictures

Property Description

TEXT "49435" to 79564

This 3100 sq ft home began life as a model home in The Meadows Of Shawnee, located close to Rt1 , Shawnee Country Club, the beaches and shopping. Features include an oversized 2 car garage, bonus room which could be 5th bedroom, full walkout basement, 2 person soaking tub and gas fireplace to heat things up. First floor master, hardwood floors, large kitchen and sunroom round out why this home is a must see. More info at Http://www.4sale2soldrealty.com

Features List

First Floor Master	architectual details	back patio
large kitchen	Formal Living room
island kitchen	formal dining room
bonus room	fireplace
harwood floors	landscaped
berber carpet	alarm system
walkout basement	front porch

Equal Housing Opportunity.

Wilgus Associates, Inc : 1520 Savannah Road - Lewes De 19958 : 302-645-9215

Milford Delaware Open House, June 28,-Meadows Of Shawnee

Anne Polichetti (Wilgus Associates, Inc) — Sat, 20 Jun 2009 08:27:18 -0500

Milford Delaware Information

Anne Polichetti (Wilgus Associates, Inc) — Sun, 31 Aug 2008 20:26:02 -0500

Milford Delaware is centrally located between the Capital City of Dover and the Delaware Beach Area, in fact the intersection of Rt 1 and Rt 113 is known as the Gateway To Southern Delaware! Philadelphia, Washington D.C. and Baltimore are all less than two hours away.

Milford was founded in 1680 on the north and south banks of the Mispillion River, Milford was incorporated in 1807.To learn more about Milford's history click here . Milford has an active Chamber of Commerce and Downtown Business Association

Downtown Milford's crown jewel is the Mispillion Riverwalk, a greenway space designed to preserve the town's waterfront. Along this walk were once located seven shipyards that produced over 600 wooden sailing ships between 1680 and 1927.

The Downtown Farmers Market is open from mid April to the end of October, every Saturday from 9 to 1 and features fresh, locally grown in-season products such as produce, flowers, herbs, meats, eggs, and much more.

Check out the Parks and Recreation Center with all kinds of sports, kiddie camps and activities.

The Public Library is also located downtown and is currently undergoing an expansion to better serve the community.

Milford is home to the Second Street Players. This year-round community theatre produces shows covering practically every genre. Included in their yearly productions, you will find musicals, dramas, comedies, original works, plus Street Kids Summer Camp and cooperative productions with other cultural groups and schools. Get their 2008 Season Brochure and Ticket Order Form by calling them at (302) 422-0220

Milford Memorial Hospital Located at 21 West Clarke Avenue in Milford is part of the Bayhealth Medical Center. You can find information about their services here .

Check out these links for more information on

1 Milford School District

2 The City Of Milford

3 State Parks

4 Shawnee Country Club

5 Fishing Areas and Boating Access

Check out my web site when buying or selling real estate in Milford,Delaware

http://www.4sale2soldrealty.com

I am affiliated with Wilgus Associates Real Estate,located in Lewes, Delaware which is an independent real estate brokerage,committed to providing outstanding service and value to buyers and sellers. We are known for developing quality working relationships with our clientele; relationships based on respect, integrity, and trust. I am proud to have developed beneficial relationships with lenders, inspectors, contractors, and a wide range of housing professionals.

Whether you are purchasing, selling, or both...I ensure that you have the support you need to make to make sound decisions and receive the best deal possible. I will go the extra mile for you!

I will take the time to listen to your needs and dreams. I will work tirelessly to facilitate your goals without compromise.
I am committed to treating every client as if they are my #1 priority.

Whether you are buying, selling, or simply considering a move, I will be happy to speak with you

Anne Polichetti,REALTOR® ,GREEN

Wilgus Associates, Inc

1520 Savannah Rd

Lewes,Delaware19958

302-645-9215,ext 108

cell-302-228-6253

Five First Time Home Buyer Mistakes

Anne Polichetti (Wilgus Associates, Inc) — Sat, 14 Jun 2008 20:06:25 -0500

Buying a home for the first time is an exciting process. At the same time, it is one that is filled with many steps and details. Deciding which home and which mortgage are decisions that have lasting consequences. As you embark upon your home-buying excursion we suggest you keep in mind these common mistakes of first time homebuyers.

#1 Purchasing a home too fast. Perhaps it's the excitement of buying your first home. Or maybe it's a fear that the "perfect" home will be purchased by someone else. Whatever the reason, many first time homebuyers make the mistake of rushing through the home purchasing process. They tend to spend too little time searching for the right home. Often first time homebuyers end up dissatisfied with the home they've purchased. Keep your options open and continue to search for new homes that come on the market.

#2 Buying too much home. Another mistake made by first time homebuyers is purchasing a home that's right at, or even a little beyond, their limits. Many times this leaves the new homeowner with little or no disposable income. What good is a large home if you are unable to furnish it? None at all! Purchasing a smaller home and leaving yourself some wiggle room is much better than eating up your monthly income with a large mortgage payment.

#3 Holding out for the dream home. First time homebuyers might pass up several houses they like because they believe that there is a better house out there for them - one that is complete with everything they want and need. In the meantime, houses that have most of the items they are looking for are being taken off the market by other buyers. If a significant period of time passes, market prices could go up and the first time homebuyer ends up paying more for a home than expected. Even worse, the buyer ends up so worn out from house shopping that he, or she, ends up settling.

#4 Not getting pre-approved for a mortgage. A pre-approval will do wonders for the first time homebuyer's shopping experience. Being pre-approved for a mortgage lets you know what you can afford and what your payments will be. Some first time homebuyers, not realizing the importance of this, forgo pre-approval to get a head start on home shopping. What's the worst that could happen? You could find a home you absolutely love and fail to obtain financing for it. Also, being pre-qualified is NOT the same as being pre-approved. We have seen many families not get their dream home because they were just pre-qualified.

#5 Not comparing mortgages. Shopping around for a mortgage is just as important as shopping around for the home. Many first time homebuyers do not realize that mortgages from different lenders have different costs and different terms. There are so many factors of that can vary from one lender to the next. It only makes sense to shop around for the best deal.

Be informed of the steps that you must take and the decisions you must make as a first time homebuyer. Information and education are the best tools to equip you during the process of purchasing your first home.

The Home Needs A Lot of Work? GOOD! What an Opportunity!

Anne Polichetti (Wilgus Associates, Inc) — Sat, 14 Jun 2008 19:45:02 -0500

If there ever was one thing that dissuades people from purchasing a home it would be the necessity to perform a multitude of repairs. After all, who wants to purchase a home and then invest tons of money into repairing the property as well as making the requisite time commitment that such repair work would entail? Now, while this situation may sound dreadful on the surface it is actually a great opportunity for an industrious person.

If you think this is an idealized description of the situation, then look at it this way: say the average market value of a similar home in the area is $250,000. The home you are considering purchasing is valued at $190,000 due to extensive repair work that is required. So, before making a decision as to whether or not this home is a viable investment purchase it may be wise to examine what the cost of the repairs will be. If the repair work will cost $30,000 then this is not a negative...it is a huge positive! If you do not believe so then simply do the math: $190k plus $30k equals $220K. Remember, the value of the home after repairs will be in the neighborhood of $250K. So, even with $30k in repair work you will end up with acquiring the home at a $30k discount! This is to say nothing of the equity appreciation the home will eventually accrue.

Of course, no one wants to purchase a home that is falling apart, but if the required repairs can be overcome by the equity one can acquire then this is far from a bad real estate investment venture.

Market Value Basics

Anne Polichetti (Wilgus Associates, Inc) — Sat, 14 Jun 2008 19:40:07 -0500

Setting the right price for a property is important whether you are planning to sell or buy a home. Only by knowing the right market value can you judge the right price for a home. Most people do not understand what market value is and end up selling their homes at a loss or paying too much when buying. If you wish to make an intelligent decision when buying or selling a property then it is crucial to fully understand what market value is.

The first thing to understand is that the assessed value of a home is not its market value. The assessed value is used by the tax authorities to calculate property taxes. Each municipality has different factors that drive the assessed value. The market value of the property is calculated by taking into consideration the state of the market, recent sales of similar property, current availability of similar property, and other conditions. These two values are completely unrelated and can be vastly different.

A Realtor or Appraiser has to factor in many things when determining market value. For example the neighborhood has less to do with assessed value than it does with market value. A good neighborhood means higher market value. The location of the property is equally important. The property is assessed based on things like proximity to business districts, highway, town center, and so on. Taking a line from the hotel industry, location is everything.

The next thing is the condition of a home. Newer or well-maintained homes have higher market value. Homes typically in need of repair have lower market value. The more repairs needed the lower the market value.

After all of the data is collected the home is compared with similar homes in close proximity. This comparison will include recently sold and on-market homes with a similar market value. Based on all this data the market value is calculated. In today's market, values can change rapidly and it is best to reevaluate your price regularly.

Contact your me for a market analysis of your property. This way you can compare the results for yourself. Quite often you will be given a range as to the market value. An agent is the best resource you have available to you when determining a homes value. Whether you are buying or selling professional advice and guidance is critical.

Are you considering purchasing a home in Lewes Delaware?Links and Property Tax Info

Anne Polichetti (Wilgus Associates, Inc) — Fri, 29 Feb 2008 19:34:33 -0600

Are you considering purchasing a home in Lewes Delaware?

Lewes, the first town in the first state, is filled with history, you can read all about the history of Lewes here at the Lewes Historical Society .it's very interesting.

The Cape May Lewes Ferry connects the historic City of Lewes, Delaware and the Victorian City of Cape May, New Jersey. It's a fun filled ferry ride that takes approximately 80 minutes. .Lewes also has an active

Chamber Of Commerce and the city also has an extensive Comprehensive Plan that you can read about here.

When you are considering moving to Lewes here is the property tax information that will help you in factoring this information in your decision. Property Taxes - The property tax rate is 39 cents per $100.00 of assessed value, which is fifty percent (50%) of the market value. Taxes are billed annually on April l. Tax bills are due upon receipt and become delinquent after June 30. A penalty of 1 percent (1%) is charged monthly on delinquent balances. Any property improvements done throughout the year may be billed on a Quarterly Supplemental Tax Billing.

I hope you find this information helpful and please look at my blogs about some of the other towns in Sussex County

Bright and Sunny Home In Millsboro, Delaware

Anne Polichetti (Wilgus Associates, Inc) — Sun, 20 Jan 2008 14:47:47 -0600

This bright and sunny house has lots of windows, and a simple floor plan. There is ceramic tile in the foyer and hardwood flooring at the side entrance, Berber carpet through out the rest of the rooms.The kitchen comes equiped with refridgerator, microwave, self cleaning oven,and dishwasher. The master bathroom has double vanity sinks and a window that lets in the natural light.There is lots of storage room in the floored attic. There are only 5 homes located in this small subdivision with no Homeowners Association. The back deck is approxtimetly 10x25 for outdoor relaxation. This house is waiting for you to make it home.

Virtual Tour

Want A Timely Sale? Price It Right The First Time!

Anne Polichetti (Wilgus Associates, Inc) — Tue, 04 Sep 2007 19:25:38 -0500

Buyers who may be looking at your home have most likely seen many homes with many real estate agents prior to viewing yours which makes them very aware of fair market value, they shop on the internet and are very savvy, and they usually view homes in $10,000 price ranges. If you over price your home thinking you can drop the price later, most likely you will have missed the buyers who were looking at the price range your home should have been in the first place.

When you over price your home and it remains on the market to long many buyers may think something is wrong with it and that is why it hasn't sold. They may also be wondering why there are so many price reductions, and be fearful that once it drops to the fair price that it is still overpriced!!

This can be a big financial problem for you if you are selling to purchase another property, need to relocate to another area or, you may be looking to downsize, or need to sell quickly before you can no longer afford your mortgage payments, and with so many properties on the market right now, the best strategy is to stand out from the rest and the best way to do that is by price. Price it right the first time and avoid the frustration of wondering why no one is looking at your house and avoid your agent coming to you explaining why you need to reduce the price. In the end your buyer will be happy and most importantly YOU will be happy to move on to your new lifestyle in your new home!

I believe that no matter what the market conditions are, that price is the key to a timely sale!

Are you a First Time Home Buyer in Lower Kent or Sussex County Delaware?

Anne Polichetti (Wilgus Associates, Inc) — Mon, 27 Aug 2007 20:51:49 -0500

Feeling confused and overwhelmed?Don't know what to do first, who to talk to,what you can afford,where to live?Short term, long term,investment, ammenities,townhouse,condo, single family?These are seemingly endless choices that are stressful and scary! My job as a Realtor is to help take away the anxiety and assist you with the process.There are many decisions,emotional ones as well as the cold hard facts of your budget.My job is to keep you focused so the choice you make in the end you will be happy with next week, next month, next year.I have understanding and patience, I too was once a first time home buyer and can relate to your experience with this huge financial investment.

Purchasing real estate for any reason is a financial investment which requires careful planning and a lot of time viewing and evaluating each property,obstacles to overcome and a relationship of trust with your Realtor.Before I show you any property I will help you evaluate your situation,decide on an action plan and then when you are ready show you homes that are available and assist you in negotiating strategies.

Your first decision awaits!!!!

What was I thinking before I went to real estate school?

Anne Polichetti (Wilgus Associates, Inc) — Sat, 25 Aug 2007 10:25:30 -0500

Before I went to school for real estate I thought that everyone who completed the course, took the state licensing exam and passed was automatically a REALTOR®...not until I completed the course, took the test chose a broker and joined NAR did discover how wrong I was. Not all licensees are Realtors; in fact less than half of all licensees are Realtors according to the National Association of Realtors®. So what? You may be thinking, what does that mean to me?

Only Realtors follow a strict code of ethics...to be a member of NAR and a REALTOR®, a real estate agent must abide by a set of professional principles and serve clients fairly. Voluntarily agreed to work by a code of ethics based on professionalism and protection of the public.

You can read the REALTOR® Code of Ethics on the National Association of Realtors® web site, I suggest the document with the title

The NATIONAL ASSOCIATION OF REALTORS® Code of Ethics:
What Does it Mean for Consumers?

I can email that page to you if you can't find it just let me know.

Did you have the same perception? I hope that after reading the suggested material you will be as enlightened as I was and understand you do have a choice. Who still says perception is reality?

This was my first post and I hope you enjoyed it and learned something about perception from it.