Christine Citrano Naples Realtor

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Frequently Asked Questions

What is the difference between HOA and MOA fees?
Many properties are located within a governing Home Owner's Association (HOA) and some also are within a larger Master Association (MOA). All residents within the larger community are members of the MOA and pay fees according the guidelines administered by the association. There may be smaller sub-divisions within the whole that have their own rules and regulations, and have fees associated with living in the community. Only residents within the sub-division pay the HOA fees.
Tell me about title insurance
One of the hidden costs first time buyers may not expect is title insurance. In many cases, borrowers cannot obtain a loan without title insurance. Title insurance policies protect against losses that occur after closing on a property. Title insurance covers unseen problems during the title search, examiner oversights and errors in public records happen. Buyers may be able to save money on the title search and policy if the present owner's policy can be updated and reissued
What is a Homestead exemption?
Homestead exemption is a constitutional provision that reduces the taxable value of residential property up to $50,000 for qualified residents. See link below for more information.
How are the summers in Naples?
I get asked this all the time and I have to say they are fantastic, if not a little wet. Yes, the temperatures are higher - average 84 degrees F. - and it can be a little humid, but no more so than other east coast areas. Plus, we have the cool gulf breezes to keep things comfortable. Water temperatures are about 85 degrees F. so you can walk right on in and don't waste time "getting use to it." Summer is our wet season so we receive a fair amount of rain and you should expect showers nearly everyday. The nice thing is they are short lived (sometimes less than an hour in duration) and the water is warm.
Do you really have alligators?
Yes, we do. My line of advise is this, if you see a body of water, assume there is a gator there and don't get too close. They are fairly harmless, unless they feel threatened. And, no, you won't find them walking down 5th Avenue.
What do I need to know about hurricanes?
Hurricanes are a natural occurance and the season begins mid-June and last through Mid-November with August-October being the peak. Like any other natural disaster, the best thing you can do is be prepared and don't let the thought of these strong storms upset you. When there is tropical storm swirling around in the Atlantic, pay attention to the news and have a plan of action. You usually will have up to a week of notification before one is expected to touch land, which will give you plenty of time to make all necessary arrangements. If you would like to receive a guide book on hurricane readiness please email me.
What is a Transaction Broker?
A Transaction Brokerage relationship provides the seller and/or buyer with a limited form of representation that includes (1) dealing honestly and fairly; (2) accounting for all funds; (3) using skill, care and diligence in the transaction; (4) disclosing all known facts that materially affect the value of the residential property and are not readily observable to the buyer; (5) presenting all offers and counter-offers in a timely manner, unless a party has previously directed the licensee otherwise in writing; (6) limited confidentiality, unless waived in writing by a party. This limited confidentiality will prevent disclosure that the seller will accept a price less than the asking or listed price, that the buyer will pay a price greater than the price submitted in a written offer, of the motivation of any party for selling or buying property, that a seller or buyer will agree to fnancing terms other than those offered, or any other information requested by a party to remain confidential. Limited representation means that a buyer or seller is not responsible for the acts of the licensee. Additionally, parties are giving up their rights to the undivided loyalty of the licensee. This aspect of limited representation allows a licensee to facilitate a real estate transaction by assisting both the buyer and seller, but a licensee will not work to represent one party to the detriment of the other party when acting as a transaction broker to both parties.

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Hurricane Preparedness

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"The best decision I made when I bought my new home was to have Christine Citrano as my real estate agent. I was ready to buy and I wanted a fast, easy closing with no major issues and that is exactly what she delivered. It only took her 8 business days to put in my offer and close the deal. On day 8, she handed me the keys to my new house! It was unbelievable. From the moment I called Christine she was available morning, noon and night to answer all of my questions and to make sure every tedious detail was completed so we could close the day I requested. I was astounded by her professionalism, her calm demeanor, her unwavering confidence and her genuine sincerity. I am grateful to Christine for making my home-buying experience so enjoyable which added to the excitement of moving into my new home. It was my fortune to have met her!"

Kathryn Primavera, Naples, FL

"Thank you for helping us purchase our vacation home in Naples, Florida. Buying a home in a foreign country seemed daunting without the benefit of local knowledge of the community and the real estate market. We were concerned about our ability to make the right choices and decisions on a transaction of such financial and personal magnitude. That all changed when we met you. From our very first meeting we were impressed by the time you spent trying to understand who we were, what our goals were, and what we wanted in a property. Your knowledge, resourcefulness and professionalism were exceptional. You took the time to explain the details of the local market, the neighborhoods and all of the documents and many other pieces of information as they became relevant. Most importantly, you earned our trust. You operated with honesty and integrity. You are a consummate professional and an excellent ambassador for your country and your real estate firm. Thanks to you our dream home is a reality."

John and Liana Rinaldo, Burlington, Ontario

"I would like to convey my appreciation to you in the recent sale of our home in North Naples. This sale was made more challenging by the constantly changing requests by certain parties involved in the process. However, through your tireless efforts, attention to detail, knowledge of the industry and highly effective communications, the sale was successfully consummated.

My wife and I would highly recommend your services to anyone interested in selling or purchasing a home. Thanks again for the great job you did for us."

Vernon A. Raile, Bismarck, ND

"Christine showed us several houses and was always looking for what we wanted. Her honesty and dependability were traits that we would easily recommend to others. Thank you...we love our new home and are thrilled with the service we received!"

Mr. and Mrs. Tracy Connelly, Naples, FL

"When a realtor that we know and trusted in Atlanta recommended that we work with you we had no doubt that we were in for a good experience. That experience could not have been more professinal, curious, or rewarding. From our requirements, unique challenges of downsizing and consolidating you were with us every step of the way. While visiting many properties, you were always patient and listened to ensure our needs were being met. You understood what we were looking for. The house we ended up buying was not an easy sell. We went back at least three times to ensure that we wanted to purchase it. You were patient, understanding, and accomodating to us. Our experience was wonderful. Christine and the whole John R. Wood team worked tirelessly to ensure that we were kept abreast of the developments along the way. Good job!"

Mr. and Mrs. Scott Tonarelli, Atlanta GA

"It is unusual in any business to find a gem like Christine Citrano. Christine went out of her way to show me around when I was new to the area. Her warmth, reliability, professionalism and expertise will make your transition a most positive experience. Christine is that rare individual who will go above and beyond your expectations and, simply, gets the job done."

R. Karter, Gladwyne PA

"Christine worked very hard, and spent time and money...she is a credit to her company. John R. Wood is lucky to have her on their team. We will not forget her."

Mr. and Mrs. James Batillo, Long Island NY

"We are enjoying our home immensely and feel that we have Christine Citrano to thank for that. Christine has been our realtor and has truly been a pleasure to work with. We have bought and sold real estate through Christine. We found her to be knowledgeable, professional and a skillful negotiator on our behalf. She stays on top of the market and knows what property values are. She knows how to communicate this information to her clients so that realistic pricing is reached. She makes herself accessible to her clients and is extremely conscientious. We have already recommended her to many of our friends for their real estate needs and we feel very comfortable continuing to do so. It has been our privilege to work with Chrsitine Citrano!"

Mr. and Mrs. Charles Hyman, Naples, FL

"I was born and raised in Naples and after spending ten years in Washington DC my wife and I decided to move back. We met Christine and felt her personality and understanding of the market matched what we were looking for in an agent. Christine was extremely patient with us, spending nearly a year going through multiple properties of all sorts. We finally found a gem. It was a foreclosed home and one we had passed in previous searches, but never went in because it was out of our price range. The day the home hit the MLS after being foreclosed on we toured it and fell in love. The home was in need of a lot of TLC, but mostly cosmetic. We put an offer in the very same day and because of market conditions I put the bid in very, very low. Christine advised that the offer was probably too low, but was worth a shot as long as my wife and I were willing to lose the property to someone making an honest offer.

Christine worked the selling agent hard to get an approval and we closed on the house shortly thereafter.

I would recommend Christine to anyone who wants an honest and respectful agent. She understands market conditions and listens to what you're looking for in a home. She knows the neighborhoods and is able to match buyers with what they really want."

Christopher and Christine Kautt, Naples FL

"Christine Citrano was a gem in every way in helping me sell my condo in Naples. She is very knowledgeable, has had great experience, is trustworthy, and a very diligent and persistent realtor. She worked with me in every aspect. She always answered my questions, was in constant contact about the sale, and really seemed to care about me as a person. I would highly recommend her as one of the best in Naples. If and when I need a realtor again in Naples, I will most definitely be in touch with Christine."

Rebecca Gotheridge, Naples, FL

"Just a word of thanks for putting sales agent Christine Citrano on your team. She recently closed the sale of our condo in a very short time frame in what could be described as an extremely difficult market to sell into and at a very fair price. We found her to be knowledgeable, tireless, aggressive, flexible, and fair. We surmissed that before contracting with her and were never disappointed. Christine is a true professional and we would certainly make her our first call for all our real estate needs in the future."

Gary and Sharon Tolsma, IN