Posted by Pamela Crawford on 1/21/2018

Buying a home is one of the more complicated purchases that youíll make in your lifetime. Itís not something that you can just open your wallet, pull out a wad of cash and buy. Thereís a warm-up period for a house hunt. You need to prepare before you even start the process of the purchase. Thereís a lot of different things that you should do to ready yourself to buy a home. Youíll need to organize your finances, find a real estate agent and ready yourself. If youíre looking to buy a home in the near future, itís time to get busy! 


Keep Your Credit Score In Check


Your credit score is so important for so many reasons. The highest your credit score can be is 850 and the lowest it can be is 300. Youíll get a really good interest rate on a home if your credit score is 740 or above. A lower interest rate can save you a lot of money over a yearís time. 

The good news is that you can spend time repairing your score. This will include paying down debt, asking for credit limits to be raised and correcting errors that may be on your credit report. You want to be sure that youíre using 30% or less of your total available credit. As always, if your bills are paid on time, it will help you to keep that score up. Also, stay away from opening new credit cards, as this can bring your score down due to frequent credit checks. 


Put Gifts To Good Use


Whenever you get a financial gift, whether it be for a wedding, a Christmas bonus, or a birthday gift, make sure that you save it for your home purchase. Youíll need quite a bit of capital between closing costs, fees and down payments. Youíll be glad you saved the money once you start the home buying process. Youíll also want to make sure that you have and emergency fund built up. You donít want to buy a home without some sort of a financial cushion behind you. 


Research Real Estate Agents 


Your real estate agent will be your right hand person when it is time to buying a home. Youíll want to know that your agent is knowledgable and can help you in this big decision. Your real estate agent is the person who will help you reach your goals, and you want to feel comfortable with them. Ask for recommendations and do your research.  


Get Preapproved


Sellers love buyers who have been preapproved. This shows that theyíre reliable and financially able to buy a home. A preapproval can be done a few months in advance of buying a home. It will take an in-depth look at your finances including:


  • Proof of mortgage or rent payments over the last year
  • W2 forms for the past 2 years
  • Paycheck stubs for the past 2 months
  • List of all debts including loans and court settlements
  • List of all assets including car titles, investment accounts and any other real estate you may own.


Buying a home is a big deal but with the right preparation, youíll be on the road to success and ready to secure a home purchase.




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Posted by Pamela Crawford on 1/14/2018

There are many benefits to installing a security system in your home. It gives you a sense security and safety for you and your family. Youíll be able to be away from your home for both short and long periods with a peace of mind. The one choice youíll need to make is the type of security system that you want to be installed in your home. Some alarms are manned by commandoes while others have much more simplistic designs.   


While some systems are installed by a professional, others are easier to install and can be done with a DIY approach. Remember that you can always start small and install a more complicated system as time goes on. You donít even need to know how to use a drill or have any kind of technical expertise for most DIY install security systems. Below, youíll find the basic steps that you should know before you install a home security system.


Basic Components In Your Home Security Package


  • The main panel complete with keypad
  • Sensors
  • Motion detectors


These are the basic things that will come with every home security system no matter how simple or fancy you get in your alarm system selection. The number of sensors that you need will depend on the number of doors and windows that are in your home. It also is based on your own personal preference. Remember that these sensors will be activated every time a door or window is opened when they are installed in your home. 

 

Install The Security Panel


Security panels are often wireless and should be placed near a power source to plug the panel in. These should also have a backup battery of some sorts. You can either place a nail on the wall or put an adhesive on the back of the panel. Itís really that simple to put the panel up!


Install The Sensors In Your Home


Security systems will come with door and window sensors and possibly along with some motion detectors. They will be placed with a moveable adhesive for your convenience. Every security system will come along with instructions for the optimum locations to place these sensors in. 


Test Your System


Once you have completed the above steps, youíll need to test your system to ensure that it has been properly activated and that everything is working properly. The specific system that youíre installing should also come along with some instructions for testing purposes. 


While DIY home security systems seem fairly simple, they arenít for everyone. Some homeowners prefer more complex systems to suit their needs. If a professional installation is for you, you should avoid self-install security systems altogether.    


 




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Posted by Pamela Crawford on 1/7/2018

Buying a vacation home is something that many dream of, but for some itís not just a dream. And itís certainly not something that is only for the rich and the famous. Maybe you have been saving for one your whole life, got a large bonus at work that you want to use as a down payment, or are just going out on a limb; there are several things to consider before taking the plunge and buying a vacation home. Cost: First and foremost, what kind of financial position are you in? Are you able to put down 20% and if not will you be able to afford the potential higher interest rate that goes along with less money done? If you are planning to buy farther away, can you afford the airfare cost for as often as youíd like to spend there? Can you afford the inevitable maintenance that will be necessary? You certainly do not have to be a millionaire to purchase a vacation home, but itís important to know what you can afford and cannot afford. Location: Do you want to buy a vacation home that is within a couple of hours from your home? Or would you rather buy one a plane ride away that may be in a location thatís warm year round? Or do you want to buy a home in another country? This is certainly something that should be determined before beginning your search. Condo vs. Single-Family: Do you want the privacy of a single-family home or do you want the amenities that come along with living in a condo? There is a level of privacy that comes with owning a single-family home versus a condo, as well as there are condo fees to consider. This decision may not matter much to you, but itís important that everyone involved agrees on the type of home they would like to buy. Rent It: Do you plan on renting out your vacation home when you are not there? Are you looking at homes in locations where renting is possible? Can you afford the home if you do not rent it out? If you canít afford the home without renting, how often do you need to rent to be able to afford it? Do you want the hassle of renting it? Itís important to consider this possibility even before you begin your house hunt. Buying a vacation home is extremely exciting, but itís a large investment. It should be well thought out and planned out. But, once you have those details worked outó go out and buy the vacation home of your dreams!





Posted by Pamela Crawford on 1/3/2018

This colonial has been nicely maintained and updated. Located in North Grafton, this charming colonial features updated cabinet packed kitchen with newer stainless appliances and granite counters, newly updated bathroom with ceramic floors and granite counters, spacious formal dining room with built in china closet, large bright living room, office/den with pretty bow window and mud/laundry room. 2nd floor features spacious master bedroom with 2 closets, 2 more bedrooms and updated full bath. Heat, hot water and electric has been updated. Large yard and detached 1 car garage completes the package. Great commuter location just minutes to the Mass pike and commuter rail.

More Info on this Property | New Listing Alerts




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Posted by Pamela Crawford on 1/1/2018

The home selling journey may include many ups and downs, particularly for a seller who fails to plan ahead. Fortunately, we're here to help you set realistic expectations for the home selling journey so you can achieve the optimal results.

Now, let's take a look at three tips to help you establish realistic expectations for the home selling journey.

1. Know Your Home

Your home's condition may have deteriorated over time. Therefore, the value of your house today is unlikely to match what you initially paid for your home.

To understand the current valuation of your house, you may want to perform a home appraisal. This will enable you to receive a property valuation from an expert home appraiser. Then, you can use this valuation to establish a competitive price for your residence.

2. Conduct a Home Inspection

Although you may have performed a wide range of home upgrades over the years, underlying house problems may persist. Thankfully, a home inspection makes it easy to learn about myriad home problems before you add your house to the real estate market.

During a home inspection, a property expert will examine your residence both inside and out. Following the inspection, you'll receive an inspection report with detailed findings about the condition of your house.

Examine the results on a home inspection report closely Ė you'll be glad you did. If you analyze the inspection results, you may be able to discover innovative ways to enhance your residence. And if you perform property improvements, you may be able to boost your house's value and increase the likelihood of a fast, profitable home sale.

3. Collaborate with a Real Estate Agent

If you're unsure about how to kick off the home selling journey, there is no need to stress. In fact, real estate agents are available in cities and towns nationwide who are happy to provide comprehensive insights into all aspects of selling a house.

A real estate agent can teach you about the ins and outs of the housing market. By doing so, a real estate agent will help you understand how to price your home and promote it to the right groups of buyers.

Moreover, a real estate agent will deliver in-depth support at each stage of the home selling journey. He or she will set up home showings and open house events, negotiate with a buyer's agent on your behalf and help you review offers on your house. And if you ever have concerns or questions about selling your home, a real estate agent is available to respond to them right away.

Working with a real estate agent can help you transform an ordinary home selling experience into an exceptional one. Perhaps most important, a real estate agent can offer honest, unbiased recommendations to ensure you can maintain realistic expectations throughout the home selling journey. And as such, a real estate agent can help you quickly and effortlessly accomplish your desired home selling results.




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