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Posted by Carol-Ann Palmieri & Al Mussi on 2/20/2018

You may have been thinking that you’d like to sell your home. You probably want to sell it at the right time and you want to go about it for the right reasons. There’s so many different that you may want to sell your home that you probably haven’t even thought of. 


There’s Not Many Homes To Choose From


If there’s a lack of inventory on the housing market, it’s a great time to put your home up for sale. Certain times of the year have lower inventory than others, so you may want to consider the fall and winter as a prime time to sell. If you know your home is in a great location, or has little work to be done in it, you’re probably going to want to sell sooner rather than later if you have been contemplating the idea in a low inventory market. 


Remember That Spring Starts Early


Especially in warmer climates, “spring” is a relative term and can start as early as January. People will start their searches online early in the year and the demand for homes only becomes more crucial as the year goes on. The earlier the listing, the better chance the home has to stand out on the market, even if it doesn’t sell right away. In fast moving real estate markets, it may not matter what time of year you sell your home. If the demand is there, you have a great chance to sell the home.


Price Matters


The lower the price point on a home, the faster it will generally move off the market. First-time homebuyers want homes and they want them fast. when your home is priced lower, it’s probably going to move a bit faster no matter when or where you’re selling it. Buyers are always looking for a good deal. 


Interest Rates Affect Home Sales


If there’s rumors that interest rates will rise in the coming months, buyers will be on the hunt for a home. That’s when it’s a good time for you as a buyer to put your home on the market. When buying power for those searching is high, you’re better off selling because you’ll get a lot of interest. Your home will leave the market much faster as well. 


The Decisions Is Yours


Selling your home is not a small decision. You’ll need to find another place to relocate to. Your kids may have to switch schools, and your lives can be a bit disrupted in the process of moving. If you think the time is right to move, you can keep the above suggestions in mind in order to make the entire process a bit more seamless for you.




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Posted by Carol-Ann Palmieri & Al Mussi on 2/13/2018

A fixed-rate mortgage (FRM) offers one of many financing options for homebuyers. It enables homebuyers to lock in an interest rate on a home loan and pay a set amount each month for the life of a mortgage. As such, an FRM remains a popular option for homebuyers across the United States.

Ultimately, there are many benefits to choosing an FRM, including:

1. Easy Budgeting

With an FRM, your mortgage payments will always stay the same. Thus, after you get approved for an FRM, you can budget accordingly.

An FRM often serves as a great option for homeowners who struggle to maintain a budget. It ensures your mortgage payments will never rise or fall for the life of your loan, which may make it easier for you to map out a weekly, monthly or annual budget.

In addition, an FRM will stay intact regardless of market conditions. This means you won't have to worry about your mortgage costs rising even if interest rates increase nationally.

2. No Price Fluctuations

An FRM minimizes headaches for homebuyers, and for good reason. After you agree to FRM terms with your lender, you will know precisely what you'll be paying for your home.

Comparatively, an adjustable-rate mortgage (ARM) may be difficult for homebuyers to understand. This type of mortgage may fluctuate over time, which means the amount you pay in the first few years of your loan could escalate.

For example, a 5/1 ARM ensures that your interest rate will remain intact for the first five years of your loan. After the initial period, the interest rate may change annually. As a result, your monthly mortgage payments may fluctuate over the life of your loan.

3. Simple to Understand

Your lender will be able to outline the terms of an FRM with ease, as this type of mortgage ensures an interest rate is set in stone until your loan is paid in full. Plus, after you receive an FRM, you can focus on what's important – acquiring your dream home and enjoying this residence for years to come.

With an ARM, the interest rate for your loan may move up and down over the years. The factors that cause the interest rate to fluctuate are based on numerous market factors as well. Therefore, it can be tough to plan ahead for your monthly mortgage payments due to the fact that various factors may impact your loan's interest rate.

Determining whether an FRM is right for you can be challenging. Thankfully, banks and credit unions can define all of your home financing options and respond to any concerns and questions.

Furthermore, your real estate agent may be able to put you in touch with lenders in your area. This real estate professional also is happy to offer tips and recommendations to ensure you can get the financing you need to secure your dream house.

Examine all of your home financing options closely, and you should have no trouble obtaining a home loan that matches your budget.




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Posted by Carol-Ann Palmieri & Al Mussi on 2/6/2018

As house sizes grow ever larger more people find themselves with spare bedrooms in their homes. These bedrooms are often called "guest rooms" by default, even though they're usually just a place where all the extra furniture ends up. When guests do come to stay over, you shouldn't have to worry about cleaning out their room. Ideally, a guest room is low maintenance and includes everything your guest will need to feel comfortable away from home. So, instead of filling the room with the 25 old pillows that have been accumulating in your house, here are some essentials that every guest bedroom should have.

Decorate like you'd want to sleep there

Use bright, but calming colors on the walls, put a bedside table with a beverage coaster near the bed, use curtains that can be closed to block out the morning sun or opened to let in as much light as your guest would like. The important thing to remember is to avoid clutter and personal objects. If your guest feels like they're surrounded by junk they won't feel very at home. Similarly, if there are personal items like your photos, notebooks, or clothing in the room they will feel like they're intruding in your space. Instead, keep your personal items in your own bedroom or office and think of the guest room as more of a hotel within your home.

Essential items

We won't discuss the obvious necessities of a bedroom (i.e., beds and beddings). Rather, here are some items you may not have thought to include in your guest room that will make your guest feel more at home.
  • Cell phone charger. Odds are your guest only brought one charger with them. But if you have an iPhone or Android (micro USB) charger ready for use on the bedside table, it will let them keep their own charger in their bag for use outside the house.
  • Wi-Fi name and password. Write the Wi-Fi name and password down on a notepad and place it on the bedside table. This way your guest won't have to worry about disturbing you late at night to remind them of the log-in info. It's also a good idea to leave a pen with the notepad in case your guest wants to leave themselves any notes.
  • Empty storage space. To help your guest feel organized, make sure they can use the closet or dresser to unpack their clothes and belongings and store away their suitcase.
  • Tissues and wastebasket. A common, but overlooked, courtesy to include for your guest is a box of tissues and a wastebasket.
  • Ear plugs. Even if you don't live in a noisy neighborhood there may be some late night sounds that have become white-noise to you but that your guest isn't familiar with (i.e. trains, heating or AC sounds, wildlife).
  • Shower caddy with useful items. You can buy a small shower caddy at the dollar store and fill it with useful items for your guest, such as: soap, shampoo, shower sponge, razors, Q-tips, headache medicine, and band-aids. Your guest can bring this back to their bedroom and won't feel like they're taking up space in the bathroom.
   





Posted by Carol-Ann Palmieri & Al Mussi on 1/30/2018

You've sold your home, and moving day is almost here. As such, now may be the perfect time to pack an overnight bag; that way, you're ready to survive with only limited supplies until you get settled into your new house.

Ultimately, there are several essential items to include in an overnight bag, such as:

1. Clothing

It is important to pack enough clothing to ensure that you can dress comfortably until you get unpacked. Thus, you'll want to consider how long that it will take you to get settled into a new house as you prep your overnight bag.

For example, if you plan to take several days to unpack, you'll want to pack your overnight bag clothing accordingly. In this scenario, you'll likely need work clothes for the days that you're in the office, along with pajamas and other comfortable clothing that you can wear around the house.

2. Cash

If you know that you're going to be living outside a traditional home environment for a few days, it never hurts to pack cash in your overnight bag. By doing so, you'll have money available to buy food, beverages and other items as needed.

Consider how much money that you'll need to survive even a few days outside of a traditional home setting. Also, be sure to keep extra cash close to reduce the risk of losing this money while you relocate to a new address.

3. Toiletries

Shampoo, toothpaste and other toiletries should be included in your overnight bag. These items ensure that you can maintain a clean, neat appearance, regardless of where you're staying.

Many convenience stores and supermarkets sell travel-size versions of popular toiletries. Therefore, you may want to purchase travel-size toiletries to limit the chance that assorted toiletries will take up too much space in your overnight bag.

Furthermore, you can pack only the toiletries that you know you'll need for a set period of time to conserve additional space in your overnight bag.

4. Smartphone Charger

Let's face it – no one want to lose access to his or her smartphone for any length of time. Fortunately, if you pack a smartphone charger in your overnight bag, you can recharge your smartphone at any time.

Include a smartphone charger and any smartphone cords or wires in your overnight bag. In addition, don't forget to test your smartphone charger and accessories to ensure they work properly.

Packing an overnight bag can be quick and simple, particularly for those who plan ahead. And if you include the aforementioned items in your overnight bag, you should have no trouble surviving outside a traditional home setting.

Lastly, if you need help as you get ready to vacate your house, a real estate agent may be able to provide assistance. A real estate agent serves as an expert guide along the home selling journey and will do everything possible to guarantee that you are fully prepared for an upcoming move.




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Posted by Carol-Ann Palmieri & Al Mussi on 1/25/2018

This Single-Family in Bellingham, MA recently sold for $287,500. This Ranch style home was sold by Carol-Ann Palmieri & Al Mussi - RE/MAX Executive Realty.


15 Coderre Dr, Bellingham, MA 02019

Single-Family

$287,500
Price
$287,500
Sale Price

5
Rooms
3
Beds
1
Baths
This nicely appointed and freshly renovated ranch home sits quietly at the end of a cul de sac. You'll find new roof, heating and central air conditioning systems, siding, windows, gleaming hardwood floors, a beautiful kitchen with granite and stainless, and new bath. Walk out basement. Enjoy expansive, wooded, natural views from your back deck. Conveniently located approx 5 miles to Boston commuter rail station and 495 and just 20 miles to Providence or 30 miles to Worcester. This home presents the perfect blend of privacy, location and convenience!

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Categories: Sold Homes