Carver MA Real Estate, Plymouth MA Real Estate, Middleboro MA Real Estate | Deborah Glass


Do you know the difference between adjustable-rate and fixed-rate mortgages? An adjustable-rate mortgage (ARM) includes an interest rate that will change periodically based on market conditions. In many cases, homebuyers prefer fixed-rate mortgages (FRMs), as these mortgages enable homebuyers to pay the same monthly mortgage payment for the life of their loan. Conversely, an ARM may start with lower monthly payments but could rise over an extended period of time. This means that an ARM is likely to result in mortgage payments that vary over the years. Although an ARM may seem like an inferior option to its fixed-rate counterpart, there are several scenarios in which a homebuyer may prefer an ARM, including: 1. A Homebuyer Is Purchasing a Residence for the First Time. A first-time homebuyer may enter the real estate market with lofty expectations. But upon realizing there are few housing options that meet his or her needs, this buyer may settle for a house that represents a short-term residence. In this scenario, a homebuyer may be better off selecting an ARM. With an ARM, a first-time homebuyer may be able to make lower monthly payments in the first few years of homeownership. And then, when a better homeownership opportunity becomes available, this buyer may be able to work toward upgrading from his or her starter residence. 2. A Homebuyer Expects His or Her Income to Rise. The economy may fluctuate at times, but those who are assured of a higher income over the next few years may be better equipped to handle an ARM. For example, a student who is enrolled in a medical residency program may be a few years away from becoming a doctor. At the same time, this student wants a nice place that he or she can call home and may consider an ARM because it offers lower monthly payments initially. After this student completes the residency program, he or she likely will see a jump in his or her annual income as well. Thus, this homebuyer may be best served with an ARM. 3. A Homebuyer Is Facing an Empty Nest. Will your children soon be moving out of the home in the next few years? If so, now may be a great time to consider an ARM if you'd like to move into a new residence. Parents who are facing an empty nest in the next few years may be better off living in a larger residence for now, then downsizing after their children leave the nest. Therefore, with an ARM, parents may be able to buy a nicer home with lower monthly payments. And after their kids move out, these parents always can look into downsizing accordingly. Deciding which type of mortgage is right for you can be challenging for even an experienced homebuyer. Fortunately, lenders are available to answer any concerns or questions you may have, and your real estate agent may be able to offer guidance and tips as well. Explore all of the mortgage options at your disposal before you purchase a new residence. By doing so, you'll be equipped with the necessary information to make an informed decision that will serve you well both now and in the future.

This Single-Family in Plymouth, MA recently sold for $650,000. This Ranch style home was sold by Debbie Glass REALTOR® Broker/Owner - CENTURY 21 Classic Gold.


196 Bay Shore Dr, Plymouth, MA 02360

Single-Family

$683,750
Price
$650,000
Sale Price

7
Rooms
3
Beds
2
Baths
Price Break 10/19/2017! Seize this great opportunity! Location, Location, ELEVATION! Sitting high and proud overlooking Saquish, The Gurnet and Plymouth Harbor, and with views out to P-Town, this home is everything you have been searching for. Take in your ocean views, watching sailboats pass by the Gurnet as they head out. Enjoy unrivaled sunrise and sunset vistas from your picture windows, from your deck, from your master bedroom, from everywhere within this glorious home! These sellers have renovated and updated this oceanfront getaway and are now ready to let the next lucky owners experience it all. Newer roof and central air, house shows beautifully. At the end of Bay Shore Drive, and with conservation land as your neighbors, you are afforded much more privacy than many other water front offerings. This home features central air, multiple picture windows, two fireplaces, a deck off the dining room and a great layout. Spacious yard with non-stop views!

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Home renovations are generally thought of as a good thing. You can update your home for your own comfort. New amenities will make your life easier. Your home can expand in size. Whatever you are planning to do in your home is bound to have a positive affect. One thing to be aware of when you’re gearing up for the process of any type of home renovation is that of your home insurance. You want to protect yourself and your home as your go through the stages of home renovations. Below, you’ll find some tips to help you complete renovations you desire in your home without having surprise insurance bills. 


Check That Your Contractor Has Insurance Coverage


Before you sign a contract with any contractor be sure that they have sufficient insurance coverage. In particular you want to be sure that they have workers‘ compensation coverage and liability insurance. Don’t be afraid to ask the contractor for the necessary certificates and confirmation of insurance coverage before you even sign the contract. It’s your right as a consumer to know that your contractor is covered properly.


Beware Of Subcontractors As Well


Just because your general contractor is covered doesn’t mean that all subcontractors that are hired have the correct insurance. Electricians, plumbers, and other specialty contractors will need their own insurance on the job. The same rules apply as when you’re hiring any other contractor. Check with the general contractor to understand if their policy will cover all workers that are hired, or if these individuals need to carry their own insurance policies. Check with your home insurance company to see what your home insurance does and doesn’t cover during a renovation period on your home. The more knowledge that you have going into the process, the better it is for you. 


For Your Homeowner’s Insurance Policy


Once the renovations are complete, you’ll need to reassess the policy coverage amounts that you have for your home insurance policy. The renovations that you have completed will undoubtedly increase the value of your home causing you to need to increase the replacement value of your home on your insurance policy. Don’t forget to include everything from new appliances to furniture that has been replaced in the renovation. This will help you to avoid any gaps in coverage. This way, you’ll know that your home will be fully covered. With the right insurance coverage you’ll know that your home is can be rebuilt to the same specifications in the event of a complete loss. You always want this peace of mind as a homeowner.      



Selling a home may seem impossible at times, especially if you enter a negotiation with a homebuyer. And if you're not careful, you might even lose your cool during a negotiation – something that could put a potential deal with a homebuyer in jeopardy.

Don't let stress get the best of you during a home selling negotiation. Instead, use the following tips to avoid stress as you start negotiations with a homebuyer:

1. Understand the Housing Market

Your home has its pros and cons, and understanding what sets your house apart from others ensures that you can generate plenty of interest in your property when it reaches the real estate market. Meanwhile, assessing the housing market may help you determine whether to accept, decline or counter a homebuyer's offer on your residence as well.

Evaluate the real estate market closely. Take a look at the prices of comparable houses in your area to better understand how your home stacks up against similar properties.

Housing market data can help you make an informed decision about a homebuyer's offer. For example, if a homebuyer submits a competitive offer that meets or exceeds your expectations based on real estate market data, you can accept the proposal and avoid stressful negotiations. Or, if a homebuyer submits a proposal that falls below your expectations based on housing market data, you can politely decline the offer.

2. Maintain a Positive Outlook

There is no need to feel frustrated or mad if a homebuyer submits a "lowball" proposal on your house. Conversely, try to maintain a positive outlook throughout home selling negotiations, and you can avoid the risk of letting stress get the best of you.

Remember, stress can make a difficult negotiation even more challenging. But those who understand how to handle stress can boost their chances of maintaining a positive outlook and getting the best results possible from a home selling negotiation.

If you feel anxious at any point in a negotiation, feel free to take a break. Even spending a few minutes performing deep breathing exercises can help you feel calm, cool and collected. Plus, after you complete a stress-relieving activity, you may be better equipped to maintain a positive outlook throughout the remainder of a home selling negotiation.

3. Collaborate with a Real Estate Agent

Real estate agents are available nationwide and understand how to handle tough home selling negotiations. Therefore, employing an experienced real estate agent may make it easy for you to avoid stress throughout the entire home selling journey.

Your real estate agent will negotiate on your behalf and work directly with a homebuyer. This real estate professional also will keep you informed about home selling negotiations and offer tips and suggestions to ensure you can get the best price for your house.

Ultimately, hiring a real estate agent is a must for home sellers who want to avoid stressful negotiations. With a real estate agent at your side, you should have no trouble accelerating negotiations with a homebuyer and optimizing the value of your residence.



20 Oak St., Kingston, MA 02364

Single-Family

$398,000
Price

7
Rooms
4
Beds
2
Baths
If you want a cozy, private beach community, come to this high demand area in Kingston. The addition of town sewer in 2002 facilitated an attractive year round neighborhood. Enter into this Contemporary Colonial through a closed entry w/lrg closet. Open the 15 lite glass door and you're in an open front to back floor plan that is flooded with natural light from the many over-sized windows.Look past the maple kitchen w/island to the 12' wall of glass inviting you out to the private back yard w/crescent shaped, stoned walled patio. First level includes hrdwd flrs, office, full bath, laundry rm, gas log frpl. Second fl is complete w/4 bdrms, all new carpet lrg walk-in closet off master bedrm, and full bath w/double sink. This home was completely renovated in 2005 including a 2 story addition to the rear, 200 Amp service, new propane heating system, and 10'x 14' shed. The beach and function area on West Ave (the coop) are owned by an Association, optional membership is $125 annually.
Open House
No scheduled Open Houses

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