Anna Porcelli - John R Wood Island Real Estate | Estero, FL Real Estate, Ft Myers, Fl Real Estate


If you intend to purchase a house, it helps to submit a competitive offer. In fact, if you submit a competitive offer, you may be better equipped than ever before to enjoy a fast, seamless homebuying experience.

Ultimately, there are many reasons to submit a competitive offer on a home, and these include:

1. You can increase the likelihood of an instant "Yes" from a home seller.

Let's face it – no home seller wants to deal with a "lowball" offer on a house. Fortunately, a competitive offer helps improve your chances of receiving an instant "Yes" from a seller, thereby increasing the likelihood of a stress-free homebuying experience.

A homebuyer who allocates the necessary time and resources to understand a house and its strengths and weaknesses should have no trouble defining a competitive offer. Then, this buyer can submit a proposal that accounts for a house's age and condition. And if a seller accepts the homebuying proposal, both the buyer and seller can work together to finalize a purchase agreement.

2. You can open the lines of communication with a home seller.

Although a competitive home offer may suit your interests, it may not match a seller's expectations. However, a buyer's decision to submit a competitive proposal may open the lines of communication with a seller.

If a buyer submits a lowball proposal on a house, he or she may receive an immediate rejection from a seller. Comparatively, a competitive home offer may force a seller to consider his or her options closely. And even though a seller may not be fully satisfied with the proposal, he or she could counter the offer and negotiate terms with a buyer.

3. You can avoid the risk of overspending to acquire a residence.

A homebuyer who analyzes the real estate market can find out what a home is worth based on a variety of housing sector conditions. Therefore, this buyer can submit a competitive offer, one that minimizes the risk that he or she will overspend to acquire a residence.

When it comes to putting together a competitive home offer, you may want to collaborate with a real estate agent as well. This housing market professional can work with you throughout your home search and ensure you can pounce at any opportunity to purchase your ideal house.

A real estate agent understands all aspects of the housing market. He or she will help you search for residences in your preferred cities and towns. Plus, once you discover your dream house, a real estate agent will make it simple to put together a competitive offer.

Furthermore, a real estate agent is happy to respond to your concerns and questions throughout the homebuying journey. This housing market professional will offer expert homebuying insights, enabling you to make the best-possible homebuying decision.

Limit the guesswork associated with submitting a competitive homebuying proposal – use the aforementioned tips, and you can make an aggressive offer on any house, at any time.


If you’re buying or selling a home for the first time you’ll likely come across several terms and acronyms you’ve never heard before. When working with a real estate agent, he or she will likely do their best to put things in simplest terms for you to understand. But, it never hurts to do your research ahead of time so you’re prepared for the lengthy and complex process of buying or selling a home.

In this article, we’ll define some of the real estate terms you’re most likely to read or hear during your search for a new home, or when you put your current home on the market.

Common real estate definitions

  • Adjustable rate mortgage (ARM) - a home loan with a in interest rate which fluctuates throughout the payback term of the loan. The fluctuation typically aligns with changes in the housing market’s average interest rates.

  • Fixed rate mortgage (FRM) - Fixed rate mortgages have an interest rate that does not change for a predetermined period of time or for the entire length of the home loan repayment period.

  • Closing costs - Miscellaneous fees associated with buying a home. These include attorney fees, applications fees, taxes (property taxes, transfer taxes), underwriting costs, and more.

  • Transfer tax - A tax charged for when a property changes ownership. These vary by state. Some states do not have a transfer tax.

  • Appreciation and depreciation - Appreciation is an increase in a property value due to things like inflation. Depreciation is a decrease in property value due to market deflation, wear and tear on the property, etc.

  • Equal Credit Opportunity Act (ECOA) - A U.S. law that makes it illegal for a creditor to discriminate on the basis of the following: national origin, race, color, religion, sex, age, marital status, or to the applicant’s status as receiving public assistance from things like food stamps and social security.  

  • Mortgage escrow - an escrow is a neutral, third party agent or company which holds documents or funds until certain terms and conditions are met and a contract is fulfilled or terminated. For mortgages, lenders will often set up an escrow to pay insurance premiums and property taxes. These are typically added to your monthly mortgage bill.

  • Homeowners association (HOA) - a group of homeowners who regulate, maintain, and manage common spaces in subdivisions and condominiums. Monthly dues are typically required to upkeep common spaces. An HOA board made up of homeowners meets to vote on rules and regulations that members of the HOA must abide by.

  • Private mortgage insurance - a type of insurance that protects a lender if a borrower defaults on their home loan.

  • Exclusive agency listing - an agreement between a homeowner and a real estate broker giving the broker exclusive rights to list the home.

  • Assumable mortgage - a home loan that enables a buyer to take over the seller’s mortgage payments and loan terms.

  • Fair Credit Reporting Act (FCRA) - A U.S. law which promotes privacy, fairness, and accuracy in reporting your credit score to lenders. This lets you correct inaccuracies and prevent certain information from being used against you when applying for a loan.


If rain arrives on moving day, there is no need to panic. In fact, there are many quick, easy ways to protect your belongings against rain and ensure that these items can reach your new home without delay.

Now, let's take a look at three tips to help you protect your belongings during a rainy moving day.

1. Park the Moving Truck Close to Your Home

Ideally, you'll want to limit the distance between the moving truck and your house. This will enable you to prevent large amounts of rain from drenching your personal belongings.

You also should try to keep your home's walkways clear on moving day. Because if you're forced to deal with lots of walkway clutter, and lots of rain, it may be tough to carry your belongings from your home to your moving truck.

2. Lay Towels or Blankets Down in Your Home

Let's face it – a rainy moving day likely will cause you and your entire moving day team to walk in and out of your home with wet, muddy shoes. Fortunately, if you lay down towels or blankets in advance, you can reduce the risk of making your floors messy on moving day.

Remember, when it comes to moving, it is always better to err on the side of cause. If you have plenty of towels and blankets at your disposal, you should have no trouble keeping your home's floors clean as you move your belongings into a moving truck.

Don't forget to have extra towels available for your moving team too. That way, all members of your moving team can dry themselves off as needed.

3. Cover Your Furniture

Excess rain can quickly cause substantial damage to chairs, couches and other furniture. Thus, you'll want to cover these items before you move them from your house to your moving truck.

In most instances, covering furniture with moving pads and bubble wrap will help protect your furniture against water damage. Also, you should always ensure that there are no leaks inside of your moving truck to further reduce the risk of property damage due to rain.

If you're uncomfortable moving all of your belongings in the rain, it may be better to postpone your moving day. This will enable you to let the rainy weather pass and resume your move when improved weather conditions arrive.

Furthermore, if you need extra help on moving day, you may want to hire a professional moving company. This business employs friendly, professionally trained moving specialists who know how to move items in any weather, at any time.

Of course, if you need help finding a moving company, you can always contact a real estate agent for assistance. In addition to helping you buy or sell a residence, a real estate agent can help you get in touch with the top moving companies in your area.

Take the guesswork out of a rainy moving day – use the aforementioned tips, and you can streamline the process of transporting your belongings to your new house.


A successful home selling journey allows a property seller to quickly and effortlessly generate interest in his or her residence and finalize a house sale. For those who want to enjoy a successful home selling journey, it is vital to prepare as much as possible.

Completing a successful home selling journey may prove to be difficult. If you fail to plan ahead, you may encounter problems that slow down or stop the home selling cycle. Fortunately, there are lots of things that you can do to put yourself in the best position to succeed when you sell your home.

Now, let's take a look at three tips to help you achieve your desired results when you sell your house.

1. Upgrade Your Home's Curb Appeal

Your home may only get a single chance to make a positive first impression on a buyer. However, if you devote time and energy to upgrade your house's curb appeal, you can boost the likelihood that your residence will hit the mark with prospective buyers.

Mow the lawn, trim the hedges and perform other lawn improvement tasks to differentiate your house from the competition. Also, you should repair or replace any damaged home siding.

2. Establish an Aggressive Initial Asking Price for Your Home

How you price your home may dictate your house selling journey. If you establish an aggressive initial asking price for your residence, you may find that buyers are drawn to your house as soon as it becomes available.

Oftentimes, it helps to conduct an appraisal prior to listing a house. A home appraisal enables you to receive a property valuation that may help you determine how to price your house.

You may want to perform a home inspection as well. With an inspection report in hand, you can prioritize home repairs and upgrades and ensure your house stands out to buyers.

3. Work with a Real Estate Agent

If you want expert support as you navigate the home selling journey, you should hire a real estate agent. In fact, a real estate agent goes above and beyond the call of duty to guarantee house sellers can achieve their desired results.

A real estate agent will help you add your home to the local real estate market, share information about your house with buyers and much more. Furthermore, if you receive an offer to purchase your home, a real estate agent will help you analyze this proposal from all angles. And if you decide to accept an offer to purchase your residence, a real estate agent will make it simple for you to finalize your home sale.

In addition, a real estate agent is ready to respond to your house selling concerns and questions. He or she will provide you with comprehensive guidance throughout the home selling journey, and by doing so, help you enjoy a successful house selling experience.

Ready to list your home? Use the aforementioned tips, and you can streamline the house selling journey.


Lovely turnkey, 2 Bedroom / 2 Bath, 2nd floor condo, with screened lanai, laundry and garage! Great Location - walk to stores and restaurants. Short bike ride or 5 minute drive to beaches. Highly desired rental in a wonderful, private, small, friendly gated community. Clubhouse with fitness room, flat screen (smart) TV, library, pool table, internet access. Sparkling community pool (heated) and spa! Split floor plan with bedrooms on opposite ends for privacy. Spacious Master bedroom with bay window and seating area, large shower and walk in closet. Sofa in living room is a queen pullout sleeper. Guest bedroom has new twin bed and chair is twin pullout sleeper. Guest bath tub and shower combo. Off season rental at $1800 monthly available Sep 2018. Seasonal rental available Jan 2019. (Rented Feb-Mar 2019) No Pets, No Smoking. Min. household income must be 3.5 times monthly non season rent amount. No income test for seasonal rental as full rent is paid in advance. No tourist tax due if lease >6 months. Partial electric paid by lessor up to $100. Secure this one before it's gone!

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