Trina K Kulp
BUSINESS BACKGROUND OVERVIEWTrina grew up in the Harleysville, PA area and began her career in real estate in 2006. She has over 27 years experience working closely with people and business management on all levels.
From first-time homebuyers to experienced sellers, the experience can be tense, emotional, and stressful. Trina works hard to create a smooth transaction for her clients. She is here to assist you when those unexpected issues arise and can resolve them quickly – with confidence. Guiding, assisting and helping to keep things positive is a part of who Trina is as a REALTOR®. Not only is she there to help you before and during the sale but after the sale as well, with any of your real estate needs. Trina respects her client’s timelines and contractual deadlines – always.PERSONAL BACKGROUND OVERVIEWTrina is happily married to her husband, Rod. She has two grown children (Rebecca and Matthew), and a stepson (Zander), along with three grandchildren (Oliver, Orion, & Parker). Trina is a big animal lover and has a Scottish terrier and two Rottweilers. Some of her hobbies include pistol shooting, kayaking, and reading.
Activity in quakertown
Sign up to receive monthly emails on the value of homes in your neighborhood.
When is the best time to sell a home?
The best time to sell is when you are ready, or when you must. That is, when you have outgrown the space in your current home, or you prefer to trade down to something smaller. Perhaps your martial status has changed, which necessitates a move, or you need to relocate for a job.
Market conditions also play a role, as do seasonal conditions. For example, your chances of getting top dollar for your home are more likely in a seller's market, when demand outweighs supply, than in a buyer's market.Local and national economic factors also may dictate when to sell. If a major employer in your area is laying off workers, it may not be a good time to put your home up for sale. People will be cautious about buying when the future seems so unpredictable or bleak.
Most agents agree the best time to sell is in the spring. This is when the largest number of potential buyers hit the market. Your home is likely to sell faster and at a higher price, although sales begin to pick up as early as February and start to slack off in July, the slowest month for real estate transactions.
What should I do to prepare my home for sale?
Start by finding out its worth. Contact a REALTOR® for a comparative market analysis, an informal estimate of value based on the recent selling price of similar neighborhood properties. Or get a certified appraiser to provide an appraisal.
Next, get busy working on the home's appearance. You want to make sure it is in the best condition possible for showing to prospective buyers so that you can get top dollar. This means fixing or sprucing up any trouble spots that could deter a buyer, such as squeaky doors, a leaky roof, dirty carpet and walls, and broken windows.
The "curb appeal" of your home is extremely important. In fact, it is the first impression that buyers form of your property as they drive or walk up. So make sure the lawn is pristine - the grass cut, debris removed, garden beds free of weeds, and hedges trimmed.
The trick is not to overspend on pre-sale repairs and fix-ups, especially if there are few homes on the market but many buyers competing for them. On the other hand, making such repairs may be the only way to sell your home in a down market.
What else should I know?
Once your home is available to be shown strive to keep it in tip-top shape. This will require a lot of effort on your part, but you want buyers to feel welcomed and not turned off by unmade beds, cluttered floors, and grungy bathrooms.
Realize, too, that your life will be temporarily inconvenienced. When an agent - yours as well as others - calls wishing to bring a buyer to see the home at the last minute or on the same day, respond favorably. Remember your goal is to get the home sold, and that can only be accomplished if people get to see it. Flexibility is the key to a quick sale.
Plan not to be present when buyers pass through. It is awkward and unsettling for them to have the owners present. If you cannot leave, sit in the backyard. But do not attempt to have conversations with the buyer. Speak only when spoken to; be brief and polite.
Finally, pay special attention to pets, particularly dogs. They can be intimidating. Put them on a leash and in the backyard. Better yet, when possible, take them with you. And be keen to pet odors. They can turn buyers away.
Should I sell my home first or wait until I have bought another home?
This is a tough decision, but the answer will depend on your personal situation, as well as the condition of the local housing market.If you put your home on the market first, you may have to scramble to find another one before settlement, which could cause you to buy a home that does not meet all your requirements. If you cannot find another home, you may need to move twice, temporarily staying with relatives or in a hotel.On the other hand, if you make an offer to buy first, you may be tempted to sell your existing home quickly, even at a lower price.
The advantage of buying first is you can shop carefully for the right home and feel comfortable with your decision before putting the existing home on the market.
On the flip side, the advantage of selling your existing home first is that it maximizes your negotiating position because you are under no pressure to sell quickly. It also eliminates the need to carry two mortgages at once.Talk with your agent for advice. Discuss the pros and of each and whether certain contingencies written into the contract can ease some of the pressures.
Are there tips for selling a vacant home?
Yes. Once furniture is removed from the home, you will notice all kinds of imperfections you never paid attention to before - rips in the carpet, holes in the walls, and dinginess. In an empty house, everything stands out. What you see is what potential buyers will also see. So you may need to paint, tear up old carpet, and replace the kitchen floor.
To get rid of the "empty house" feeling, leave a few pieces of furniture behind - simple things like a lamp, chairs, and a table will do.
Pay special attention to maintenance. Someone will need to dust and vacuum, leaves will need to be raked, and the grass cut.
In the winter, consider having the heating system shut down and drained to save money. But keep the electricity running because lights will be needed to show the house.
Watch out for that musty smell, particularly during the summer months, that settles in from having the windows sealed and locked. And beware of pests such as mice, squirrels, ants and bats.
Sellers get 3 values on your home instantly
Featured Property Slideshow
- 23 W 4TH ST POTTSTOWN, PA $78,500
- 0 HARLEYSVILLE PIKE HARLEYSVILLE, PA $135,000
- 2048 MILL RD NORRISTOWN, PA $370,000
- 2898 UPPER RIDGE RD PENNSBURG, PA $265,000
- 105 BRITTANY DR CHALFONT, PA $328,000
- 701 E MAIN ST LANSDALE, PA $295,000
- 2048 MILL RD NORRISTOWN, PA $370,000
- 130 HAMPSHIRE DR CHALFONT, PA $314,500
- 1443 PERKIOMENVILLE RD PERKIOMENVILLE, PA $500
- 27 MELVINS RD TELFORD, PA $259,000
- 205 W RELIANCE RD SOUDERTON, PA $1,698
- 430 MAIN ST #C HARLEYSVILLE, PA $1,000
- 139 W BUTLER AVE CHALFONT, PA $295,000
- 623 FAIRWAY DR TELFORD, PA $599,000
- 2650 KRIEBEL RD HARLEYSVILLE, PA $655,000
- 924 PINELAND RD BIRDSBORO, PA $579,000
- 924 PINELAND RD BIRDSBORO, PA $579,000
- 837 W MAIN ST LANSDALE, PA $1,950
- 357 N MAIN ST SOUDERTON, PA $850,000
- 72 HALDEMAN RD SCHWENKSVILLE, PA $599,900
Property SearchSorry! We could not find a location to match your search criteria. Please try again.
City or Township Devon, PA Postal Code 19333, PA Neighborhood Neighborhood, Devon, PA School District School District, County, PA Listing Service Area Area, PA Address 123 Main St, Devon, PA Street Main St, Devon, PA Listing ID #123456
Before you purchase a new home it is always a good idea to research the schools in the surrounding area. The quality and/or proximity of the schools surrounding your home may significantly impact its resale value.
Select a city to view a comprehensive list of all public and private schools that are available in the area.
What are the advantages of owning a home?
There are many. Among the most appealing: you own it, which gives you, instead of a landlord, control of your living space. Other benefits stem from potential tax savings and the build up of equity as your property likely appreciates in price over time. Equity can be used to help put children through college, purchase a second home, or make home improvements.
The mortgage interest paid on a home loan is tax deductible, as is the local property tax. If you get a fixed-rate home mortgage loan, you also can invest more wisely knowing your monthly mortgage payment, unlike rent, will not change substantially.
What is the first step to buying a home?
Make sure you are ready - psychologically and financially. Ask yourself the following questions: Do I have steady income? Is my debt lower than my total income? Do I have enough money to pay for the down payment and closing costs? Am I working hard enough to improve bad credit?
A house needs constant care and attention. Also ask yourself if your budget will allow for unexpected repairs and upkeep. Once you can honestly answer "yes" to these questions, you are several steps ahead of the game and that much closer to becoming a homeowner.
How much can I afford?
The general rule of thumb is that you can buy a home that costs about two-and-one-half times your annual salary. A good REALTOR® or lender can determine how much you can afford and estimate the maximum monthly payment based on the loan amount, taxes, insurance and other expenses.
Is it best to save for the ultimate dream home or begin with a less expensive starter home?
It can take a long time to save for that perfect dream home. Meanwhile, the market has been flooded with some of the most favorable mortgage interest rates in years. Low rates make housing more affordable, which is why so many buyers have jumped on the home buying bandwagon.
Home-price appreciation has also been strong, making very solid gains in communities across the country. In fact, home prices are expected to increase 2.5 percent to 3 percent annually over the next five years.
If you purchase a starter home today, you can potentially begin to build value that can lead to the purchase of a larger, or more desirable, trade-up home in the future.
How do you decide whether to add on to an existing home or purchase a new one?
There are a few things to consider, including cost, individual needs, and what will add value down the road. Also important: your emotional attachment to the existing home. As designer and builder Philip S. Wenz, the author of Adding to a House: Planning, Design & Construction, notes, an addition is much cheaper than building a new home and can offer a "new" home without the heartache of moving.
- Can you finance the home improvement with your own cash or will you need a loan?
- How much equity is in the property? A fair amount will make it that much easier to get a loan for home improvements.
- Is it feasible to expand the current space for an addition?
- What is permissible under local zoning and building laws? Despite your deep yearning for a new sunroom or garage, you will need to know if your town or city will allow such improvements.
- Are there affordable properties for sale that would satisfy your changing housing needs?
What is a mortgage and how does it work?
A mortgage makes homeownership possible for most people. In the simplest terms, it is a loan that is secured by real property. The lender holds title to the home until the loan is completely repaid. If you fail to pay up, the lender has a right to take the property, sell it, and recover the money that is owed.
The amount of a mortgage will vary greatly depending on the down payment you make to reduce the amount of money that is needed to finance the home. You may put as much money down as you like, or you can sometimes pay as little as 3 to 5% of the purchase price, or sometimes nothing at all. The more you put down, the more you reduce the amount that is financed, thereby lowering your monthly payment.
The monthly payment consists of both principal and interest but also typically includes additional amounts to cover property taxes and insurance-specifically hazard insurance and private mortgage insurance, the latter of which is required for down payments less than 20% of the purchase price.
Home buyers in the U.S. have access to several different types of mortgage loans.
How do I qualify for a home loan?
Top 5 Members have information on lender loan requirements and will be able to calculate a rough monthly figure you can afford based on the maximum monthly payment for the loan, taxes, insurance, and any type of maintenance fees. This pre-purchase evaluation by the agent can save you a lot of time spent looking at properties you cannot afford.
Lenders also routinely calculate what you can afford and can pre-qualify you for a loan even before you begin your home search. This way, you know exactly how much you can afford to buy.
Lenders generally stipulate that you spend no more than 28% of your gross monthly income on a mortgage payment or 36% on total debts.
Ultimately, the price you can afford to pay for a home will also depend on other factors besides your gross income and outstanding debts. They include the amount of cash you have available for the down payment, your credit history, current interest rates, closing costs and cash reserves required by the lender, and the type of mortgage you select.
What's the best way to choose a home loan?
A lot will depend on the length of time you plan to live in the home, other financial obligations, and potential savings gained from comparing the monthly costs of a home against the upfront costs and closing costs involved with a particular loan.
Also, you will need to be comfortable with whatever choice you decide to make. Trust your instincts and do not be pressured into signing for a loan that will not really work for you.
Where can I get a mortgage?
You can get a home loan from several different sources-a credit union, commercial bank, mortgage company, finance company, government agency, thrift (which includes savings banks and savings & loan associations), mortgage broker, and even the seller.
Note, however, that most lenders have tightened their credit standards in light of increasing foreclosures and higher delinquency rates. Begin your search by calling at least half a dozen lenders to inquire about the types of financing available, current rates on each loan type, loan origination fees and number of points, other loan features and their credit requirements for borrowers.
Once you actually apply for a mortgage, the lender will pull a recent copy of your credit report. That inquiry and any and all others are recorded and become a part of your credit file. Normally, several inquiries during a short period are viewed negatively, as a sign you are trying to open several new accounts. Such a move lowers your credit scores; and lower credit scores mean you will be offered a higher mortgage interest rate.
However, there is a caveat. Credit scoring software generally detect that you are shopping for a single mortgage, if you shop within a short, 30-day window. So multiple inquires pulled roughly within this time frame will only count as one inquiry and should not affect your FICO or credit score.
Checking your own score also will not lower your credit score.
What does a mortgage broker do?
Much like a stockbroker helps you buy stocks, a mortgage broker can help you purchase a home loan. Because the broker has access to many lenders, you will be able to select from a wide variety of loan types and terms that fit your specific needs.
Note, however, that brokers are not obligated to find the best deal for you. Of course, if you agree in writing to have one act as your agent, that is an entirely different story. This is why it is important when looking for a broker to contact more than one, just as you would any other lender.
Compare their fees and ask questions, particularly about how they will be paid. Sometimes their fees appear as points paid at closing or the compensation is factored into the interest rate, or both. In any event, haggle with the broker and the lender for the best deal.
Real estate agents normally maintain contact with several brokers. Ask your Top 5 Member for recommendations.