Judy Moore - Barrett Sotheby's International Realty



Posted by Judy Moore on 10/14/2018

As a senior citizen, selling a home and moving to a new location may prove to be difficult. Fortunately, we're here to help you take the guesswork out of packing up your belongings and getting settled into a new address.

Now, let's take a look at three essential moving tips for senior citizens.

1. Plan Ahead

Moving day can be long and stressful, particularly for seniors who don't plan ahead. If you start planning for your move today, you can increase the likelihood of a seamless transition from one address to another.

Think about your belongings and what you'd like to bring to your new address. If you have a wide assortment of items that you won't need at your new home, you can sell, donate or dispose of these items prior to moving day.

Also, if you need to hire a moving company, don't wait until the last minute to do so. Because the longer that you wait to hire a moving company, the less likely it becomes that this company will be available on the date of your move.

2. Secure Your Treasured Belongings

Although you've collected a large assortment of items over the years, you may be unable to bring all of these items to your new address. However, if you sort through your belongings, you can determine which items to keep.

Treasured belongings like antiques, artwork and jewelry generally are keepers. Pack and store these items properly to ensure they won't deteriorate before moving day.

Let's not forget about treasured belongings that have sentimental value, either. Photographs and other treasured possessions should be packed in a safe place and labeled correctly. That way, you'll have no trouble unpacking these precious belongings once you arrive at your new address.

3. Ask Friends and Family Members for Help

When it comes to getting ready for moving day, there is no need to work alone. Senior citizens who reach out to friends and family members for help can streamline the process of preparing for a move and enjoy a one-of-a-kind moving experience.

Friends and family members are loved ones who strive to help you in any way they can. Thus, if you contact friends and family members before moving day, you can work with loved ones to boost the chances of a fast, easy move.

Lastly, if you need extra assistance before you relocate, it never hurts to contact a real estate agent. This housing market professional understands the challenges associated with moving and is happy to help any senior citizen enjoy a stress-free move.

A real estate agent can put you in touch with local moving professionals. Plus, if you need help selling a house, a real estate agent can make it easy to list your residence, host home showings and much more.

Keep things simple as you get ready to move Ė use the aforementioned moving tips, and any senior can quickly and effortlessly prep for moving day.





Posted by Judy Moore on 10/12/2018

A terrific value in Burlington! Don't miss out on this charming 3 bedroom, 2 bath Cape with an attached two car garage in a desirable neighborhood not far from Wildwood Park and 3rd Avenue restaurants and shopping. Enhanced by several improvements that include an updated kitchen with granite countertops and stainless steel appliances, newer roof, vinyl sided exterior, spacious tiered composite deck, replacement windows, insulation and so much more. Youíll love the gleaming hardwood floors, built-ins, fireplaced living room, oversized upstairs bedrooms with double closets and most of all the enclosed porch with numerous windows and slider overlooking a peaceful, serene backyard oasis with numerous plantings and garden areas. As an added bonus, the lower level game room and offices are heated by a wood burning stove and create additional options for potential living space. Welcome Home!

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Posted by Judy Moore on 10/7/2018

If this is your first time buying a home, you might be worried that you arenít asking enough questions. Or maybe youíre concerned youíre not asking the right questions--the things that matter the most when making a financial decision as important and life-changing as buying a home.  

While everyoneís situation is unique when buying a home, there are some questions that all buyers could benefit from asking. These questions will help you learn more about the home, how competitive the house is, and how much work youíll need to put into it.

Since time is usually of the essence for people buying a home, it makes sense to ask questions early on so that you donít waste too much time exploring an option that isnít ideal for your situation.

In this article, weíre going to give you 5 important questions to ask when you talk to a seller and their agent so that you can be prepared to make the best decision for you or your family.

1. How flexible is the asking price?

While few sellers or agents will outright tell you if theyíd accept a lower offer, itís still a good idea to ask this question, as it will open up a conversation about the sellerís feelings toward the home and whether theyíre pricing high with the hopes of receiving slightly lower offers.

2. How many offers has the home received?

It may seem counterintuitive, but most agents and sellers will be quite happy to tell you if theyíve received other offers. They know that once you know the current offer youíll have to either come up with a higher offer or move on. Itís a win-win for you and the seller, as it equips both of you with information you need to make the best choice.

3. Why are the sellers moving away?

This question can be personal, so if you receive an answer that suggests itís a family matter, donít press for too many details. However, some sellers and agents will let you know exactly why the house is for sale. From this simple question, you can learn the sellerís timeline for making the sale, details about the schools or neighborhoods, and any other reason that might drive someone to move out of the neighborhood.

4. Are there any problems with the house that you know of?

Although youíll have an inspection contingency in your contract if you do decide to make an offer on the home, itís better to know if there are any issues with the home before going through the bidding process.

Most sellers understand this and will be upfront about any problems with the home, including repairs that need to be made now or will need to be made soon after you move in.

5. What is the average cost of utilities?

Buying a home comes with a lot of added costs and fees. However, many people forget about the changes in the cost of utilities that comes with buying a home--especially if youíre moving from an apartment where some utilities may have been included.

The seller will be able to give you a good estimate on the cost of electricity, garbage removal, internet, heat, and more.




Categories: Uncategorized  


Posted by Judy Moore on 9/30/2018

If youíre hoping to buy a home in the near future there are several financial prerequisites that you should aim to meet. Ideally, youíll want a sizable down payment, a verifiable income history, and a good credit score.

It takes time to build credit. For most people, it can be several months or even years before they see a double-digit change in their credit score. However, if you have a low credit score and want to give it a quick boost, there are ways you can make a big difference.

But first, why should you focus on your credit score?

Credit scores and mortgages

When you apply for a mortgage there are several factors that your lender will take into consideration. One of their top concerns will be your credit score. This score is like a snapshot of your financial reliability. It tells lenders how much risk is involved in lending to you.

As a result, lenders will increase your interest rate if you are high risk and lower it if you are lower risk. To be a low risk homeowner, youíll want your score to be in the high range, (usually 700 or above).

Credit change potential

Depending on your financial history, it can be more difficult to raise your score in a shorter period of time. If you are young, donít have a long credit history, or havenít had many bills to pay in your lifetime, your score will be more malleable than someone who has had low credit for years due to late payments.

In the United States, you have to be eighteen to open up a credit card or take out a loan by yourself (this is different from getting a loan co-signed by a parent or guardian).  You can also ask your parents or guardians to add you as an authorized user of their credit cards. This will let you build credit without having to settle for the high interest rate credit cards you would be eligible for.

If you happen to have a low score (anywhere between 300 - 600), the good news is you can achieve a larger change over a shorter amount of time than someone who already has a high score.

So, how do you achieve that change?

Credit errors

One of the easiest ways to quickly improve your score is to check for errors in your credit report. You can get a free report each year from the three main credit bureaus--Equifax, TransUnion, and Experian.

Look out for bills that have been mistakenly put under your name and for collections that shouldnít be on your account.

Avoid new credit

One thing that can do short-term harm to your credit score is opening or attempting to open new lines of credit. That can be a store card, a loan, or getting your credit checked by a lender.

If you want to build credit quickly, making several inquiries could land you with a lower score than where you started.

Pay your regular expenses with credit

A good way to gain credit points in a few months is to pick a monthly expense to use your credit card for. Pay off your full balance at the end of each billing cycle to earn the most points while avoiding building up too much interest.





Categories: Uncategorized  


Posted by Judy Moore on 9/28/2018

Distinctive young Shingle Style Colonial in private estate-like setting in desirable Manor Neighborhood. Exceptional home enhanced w/sunlit rooms, tastefully appointed w/exquisite millwork & quality features throughout including oversized windows, dramatic open 2 story foyer overlooking a wall of glass, front and back staircases & so much more. Youíll love the airy, flowing floor plan w/spacious rooms, oversized entryways, classic formal living & dining rooms, flexible music room or 5th bedroom. Open kitchen w/ample granite counter space & island, high end stainless steel appliances, walk-in panty, breakfast nook with plantation shutters overlooking family room w/ vaulted ceiling, cheerful fireplace, lovely French Doors to terrace, serene grounds. Impeccable home improved by seller with addition of two 3rd floor offices, 1/2 bath and a finished lower level game room, gym, full bath, cedar closet. Heated 3 car garage, near bike path, middle school, neighborhood park & Willards Woods!

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