Sandi Boucini & Michelle Granger - RE/MAX Executive Realty



Posted by Sandi Boucini & Michelle Granger on 6/3/2020

The homebuying process can be stressful, particularly for those who are purchasing a house for the first time. From the time it takes to find your "dream" home to the final closing, there may be many hurdles that you'll need to overcome to secure your ideal home. As such, it sometimes can be difficult for a first-time homebuyer to maintain a positive outlook during the most challenging times.

Lucky for you, we're here to help you remain calm, cool and collected throughout the entire homebuying cycle.

Now, let's take a look at three tips to help first-time homebuyers maintain a positive outlook at each stage of the homebuying journey:

1. Establish Realistic Expectations

Although first-time homebuyers would like to believe the property buying journey will be quick and seamless, it is important to realize that problems can arise without notice. However, homebuyers who understand the ins and outs of purchasing a house should have no trouble identifying potential issues and minimizing their impact.

For example, a homebuyer who defines his or her ideal residence can narrow a home search accordingly. This homebuyer also will be able to check out a variety of houses based on assorted property buying criteria and boost his or her chances of discovering the perfect residence without delay.

A homebuyer who establishes realistic expectations will be ready for the worst-case scenarios too. And if this homebuyer submits an offer to purchase a home that ultimately gets rejected, he or she will remain confident and be ready to restart the homebuying cycle from stage one.

2. Become an Informed Homebuyer

A first-time homebuyer who learns about the housing market can improve his or her chances of getting the best possible results.

Allocating the necessary time and resources to understand the differences between a buyer's market and a seller's market, for instance, can make a world of difference for any homebuyer, at any time.

Furthermore, an informed homebuyer may be more likely than others to get pre-approved for a mortgage. With a mortgage in hand, this property buyer can set a budget for his or her home search and increase the likelihood of securing a terrific house at an affordable price.

3. Work with a Real Estate Agent

When it comes to purchasing a home for the first time, why should a homebuyer leave anything to chance? Instead, a homebuyer can work with a real estate agent to reduce the risk of potential pitfalls throughout the homebuying cycle.

A real estate agent is happy to respond to a homebuyer's concerns and questions as the property buying journey progresses. This housing market professional will even help a homebuyer maintain a positive outlook, regardless of what happens. That way, a real estate agent can assist a homebuyer through both good times and bad and ensure a property buyer can purchase a first-rate house that matches or exceeds his or her expectations.

Take advantage of these tips, and any first-time homebuyer can keep things positive at each stage of the homebuying cycle.




Categories: Uncategorized  


Posted by Sandi Boucini & Michelle Granger on 5/27/2020

Photo by KML from Pexels

Buying your first home is exciting and you will spend a lot of time working with your real estate agent. However, before you begin searching for the right agent, here are some helpful hints to help you get started off on the right foot and make sure you are ready to purchase a home.

Check Your Credit Report

One of the most important things you can do before you start the home mortgage process is to verify the information on your credit report. Errors in your credit can result in higher interest rates or denial of credit. You can access your credit report free from all three major credit agencies. Review all items for accuracy and if you find any errors, take the time to have them corrected.

Familiarize Yourself with Loan Programs

There are many loan programs to help first time buyers. Depending on your specific situation, you may be eligible for a loan guarantee from the Veteran’s Administration, the Federal Housing Administration or other loan programs. Before you meet with a loan officer for the first time, take the time to understand what loan options you may qualify for. Keep in mind, many states have first-time buyer programs, which can be of benefit to you as well.

What You Should Know About Down Payments

If you suddenly hit a windfall lottery winning or are considering borrowing money on your credit cards to fund your down payment, slow down. There are specific requirements for down payments including the “seasoning” of the funds. Before you apply for a mortgage, make sure you know about down payment gifts, how to document the funds you are using for your down payment and other rules, which may pertain to your specific situation.

Understanding Mortgage Application & Loan Terms

Your home will be the most substantial investment you make in your lifetime. Make sure you are being an informed consumer and familiarize yourself with the most common mortgage application and loan terms. The application form for a home mortgage is a Fannie Mae Form 1003 or Freddie Mac Form 65. Once you have filled out this application, you will also receive a good faith estimate (GFE) from the mortgage lender. You will also be learning other words like points, annual percentage rate, closing costs and escrow. Do not be afraid to ask your lender to explain what these all mean to you.

Loans are often quoted in years and term. For example, a 30-year fixed rate mortgage is exactly what it sounds like. You are accepting or applying for a mortgage, which will be paid over 30 years at the same interest rate as you see at closing. Other terms may be more confusing, for example an adjustable-rate mortgage may be quoted as 5/5, which means the rate is fixed for the first five years and adjusts every five years thereafter. Make sure you understand these terms before you sign any loan documents.

Preapprovals Increase Bargaining Power

Once you have determined what you can afford to pay for a home mortgage, which can be determined using any number of mortgage calculators found online, you should apply for a preapproval. Do not confuse a preapproval with a prequalification, they are not the same although oftentimes you will hear them used interchangeably. Here is the difference:

  • Prequalification — this process involves you providing the lender with information pertaining to your income and current expenses. You give the lender an idea of the strength of your credit and based on information provided, they can give you an estimate of how much you can borrow at what interest rate.
  • Preapproval — this process is significantly different because you will provide the same documents you would provide for a full mortgage application. The lender will request up to three years of your tax returns, bank statements, they will pull your credit, and they will verify your bank activity. Once this process is complete, the lender will give you a letter that tells you exactly how much of a mortgage you qualify for to use when shopping for your home.

The preapproval process gives you bargaining power because you are able to meet with your real estate agent knowing that provided there are no changes in your financial situation or your credit, you are guaranteed a mortgage in the amount of the preapproval at the terms listed.

When you start the home buying process, there is a lot to learn. Most first-time buyers will be required to take a first-time home buying course before their lender will move forward. Your real estate agent can also provide you with a lot of information you will need to get started on solid footing on the path to home ownership.




Categories: Uncategorized  


Posted by Sandi Boucini & Michelle Granger on 5/20/2020

Photo by congerdesign via Pixabay

Do you love the idea of having fresh herbs available all year round but don't live in an area where it's possible to grow them outdoors in all seasons? You don't have to give up cooking with fresh herbs just because the weather outside is frightful and you also don't have to install a complicated growing setup with special lights. If you've got a sunny windowsill, you can have fresh herbs even in the dead of winter. Following are just five of the many culinary herbs that you can have at your fingertips all year round with just a few indoor pots, some indoor potting soil, a sunny spot, and a little water. 

Mint

Mint is a fragrant, prolific grower that thrives indoors when situated where it gets plenty of bright natural light. Use it in teas, cocktails, and as an aromatic garnish. 

Thyme

A pinch of thyme makes almost any meal better, from egg dishes to soups and stews to roasts and grilled seafood. Grow it on a windowsill where it gets plenty of sun, and you'll be rewarded with an extra layer of deliciousness in nearly everything you place on the dinner table.

Parsley

Parsley is another easy-to-grow herb that fits just right on a bright kitchen windowsill. Use it in soups, stews, egg dishes, and, of course, its traditional use as a garnish to dress up plates with an added bit of greenery.

Oregano

As a member of the mint family, oregano is as tough as it is aromatic. Always have fresh oregano on hand for Mediterranean-based cuisine will make all the difference between fair and fabulous.

Sage

Adding sage bumps up the flavor profile of any savory dish, but it goes especially well with roasted meats such as pork beef, and poultry. It's also a classic herb to use in stuffing when seasonal feasting is on the menu. 

Culinary herbs are meant to be used, so don't be afraid of using yours every chance you get. Use a sharp pair of scissors to remove the part you want to use just below the node on the stem this encourages new growth and helps ensure that you've got plenty of fresh culinary herbs in future weeks and months. For low-growing herbs such as thyme, you can just pinch off however much you need.

Always keep in mind that even though the flowers of many herbs have a diminutive, whimsical aesthetic, resist the urge to allow your windowsill sill herbs to flower unless you want to collect the seeds. Leaves tend to taste bitter after herb plants flower, and except for woody herbs such as rosemary and lavender, most herb plants are biologically programmed to end their lifecycle once they've finished setting seed.

Please feel free to reach out for more information on enjoying your home to the fullest.




Categories: Uncategorized  


Posted by Sandi Boucini & Michelle Granger on 5/18/2020

Young colonial in vibrant neighborhood! This home was gently lived in and shows like new! A two story hardwood foyer welcomes you with a large coat closet. The open first floor includes a dining room with wainscotting and crown molding that leads to the cathedral family which offers built-in cabinet, propane fireplace and views of the backyard. The kitchen in packed with cherry cabinets, stainless appliances and granite counters. A true bonus is the FIRST FLOOR large master suite that has a spacious walk-in closet and private bath with tub/shower and granite vanity. The second level offers a loft area that can be used as an office, play area, etc. There are two very LARGE guest bedroom and shared bathroom with granite, tub/shower and linen closet. Added features of the home are first floor laundry, security system, large basement to finish, efficient propane hot air furnace, tankless propane hot water, propane fireplace and easy maintenance vinyl siding.

More Info on this Property | New Listing Alerts




Categories: Uncategorized  


Posted by Sandi Boucini & Michelle Granger on 5/18/2020


35 Partridge Hill Rd, Sutton, MA 01590

Single-Family

$444,900
Price

7
Rooms
3
Beds
2/1
Full/Half Baths
Young colonial in vibrant neighborhood! This home was gently lived in and shows like new! A two story hardwood foyer welcomes you with a large coat closet. The open first floor includes a dining room with wainscotting and crown molding that leads to the cathedral family which offers built-in cabinet, propane fireplace and views of the backyard. The kitchen in packed with cherry cabinets, stainless appliances and granite counters. A true bonus is the FIRST FLOOR large master suite that has a spacious walk-in closet and private bath with tub/shower and granite vanity. The second level offers a loft area that can be used as an office, play area, etc. There are two very LARGE guest bedroom and shared bathroom with granite, tub/shower and linen closet. Added features of the home are first floor laundry, security system, large basement to finish, efficient propane hot air furnace, tankless propane hot water, propane fireplace and easy maintenance vinyl siding.
Open House
No scheduled Open Houses

Similar Properties





Categories: New Homes