Senior Real Estate Specialist
What is an SRES®?
A Seniors Real Estate Specialist® (SRES®) is a REALTOR who is uniquely qualified to assist seniors in housing sales and purchases. The SRES® designation is awarded only to REALTORS® who have additional education on how to help seniors and their families with later-in-life real estate transactions.
Many homeowners have previously bought and sold homes. However, selling a senior’s home can be much more complicated, due to the number of unique issues and decisions — and sometimes the number of people involved. Though seniors usually make the decision to sell, it is not uncommon for adult children to help them sort through these and other issues:
- Is moving the best alternative? If so, where? Have other options been explored?
- Are close family members on board with the decision to sell?
- What is the best way to downsize a lifetime’s worth of possessions and family heirlooms?
- What are the tax-related implications of a sale?
- What effects might a sale have on future income?
The financial, logistical and emotional issues involved in a move can be stressful for a family to navigate. Senior parents and their adult children may feel they are in unfamiliar waters as they deal with these questions. A real estate professional who has experience in senior’s issues, and who can put you in contact with other similarly-trained professional advisors, can be an invaluable resource at this time.
You can count on me — as your Seniors Real Estate Specialist® — (SRES®) to help guide you through the process and the special considerations, making the transaction less stressful and more successful!
Give me a call for a free copy of “Moving On”, a Guide to Housing-Related Resources Tailored to Seniors and their Families.
The recent security breach at Equifax may have you asking, “Is my personal information safe anywhere?”
Unfortunately, if you were among those affected, the Equifax deed is done. But there are steps to take to protect yourself in the future.
Though the story is in the media glare right now, it soon will slip from the headlines and you may forget about it too.
So putting a credit freeze in place right away is one important step. It seals your credit report so that scammers can’t establish credit in your name. It also reduces the risk of identity theft.
- Contact each credit reporting agency separately to establish a freeze.
- Equifax–http://bit.ly/2l9cF6J, 888-766-0008
- Experian–http://bit.ly/1fEsOUW, 888-397-3742
- TransUnion--http://bit.ly/1QUhp8G, 888-909-8872
- When you do need to apply for credit for a loan or a mortgage, for example, you can temporarily “thaw” your information to give creditors access to your report.
Check out the Federal Trade Commission to learn more about credit freezes at http://bit.ly/1qns7sm.
Know the subtle signs of identity theft. According to the FTC (http://bit.ly/2cOyiSE) these are some indications that you may have been victimized.
- You see withdrawals from your bank account that you can’t explain.
- You don’t get your bills or other mail.
- Debt collectors call about debts that aren’t yours.
- You find unfamiliar accounts or charges on your credit report.
- Medical providers bill you for services you didn’t use.
And while you’re thinking about scams, you may want to take steps to secure your home, since another growing scam involves property fraud. Some fraudsters place liens against a house or file forged ownership documents to take ownership of a property—often mortgage-free homes that are owned by seniors. Counties have responded by creating free property fraud alerts that let you know whenever a document is recorded against your property.
For more information, get in touch with the recorder of deeds where your property is located to see whether it has a fraud alert system in place.
Bringing the Joys of Technology to Seniors
You may recall the movie Cyber-Seniors (see the trailer here: http://bit.ly/1oz4dFX), a documentary about residents of a Toronto retirement community learning to use computers for the first time. The film captures the challenges, successes, and humor that seniors and teenage mentors experience as the teens teach computer basics and the seniors discover YouTube, Facebook, and Skype.
It also illustrates how such mentoring programs have the power to minimize digital and generational gulfs.
Saffron Cassaday, the filmmaker, had hoped to find ways to continue introducing seniors to the freedom and joys of technology.
And now she has.
The new CyberSeniors site features resources and how-to guides (http://bit.ly/2hdhgAj) for starting a program in your community.
It also offers a membership option that provides greater resources like a mentor training program, resources for educators to include in their curriculum, and a planning guide on hosting outreach events.
Insight on Millennials, Home Upgrades, Urban Retirement
Here is a neat article I found on SRES.ORG
"Cindy has an impeccable knowledge of the real estate market. She understood what we were looking for and showed us only properties that matched our "must have" list. Thanks to her expertise and patience we found the house that we wanted."
CONTACTGET IN TOUCH
2284 San Pablo Ave #1
Pinole, CA 94564
Realtor BRE# 01271618