Debbie Glass REALTOR® Broker/Owner's Blog
Pick a date
The best time to set a closing date is at the end of the month as interest at the table is at its lowest then, and you'll want to pick a closing date around the same time your current lease is set to lapse.
Take your time
The conclusion of the closing means you have committed 20-30 years of your life toward repaying a house loan. So take time to ensure you understand the full implications of the agreement you're signing. If you feel there's something unclear, don't hesitate to ask. Don't rush—you can even back out of the deal at that point. You can request the closing documents a few days before the date of closing so that you have time to go through them with a fine-tooth comb.
First, get title insurance. This kind of coverage offers your mortgage provider a measure of comfort in the event that the seller didn't really own the property they were offering you. What about you, the buyer? There is a similar policy available specifically for buyers. This insurance will give you some redress in the event there were some legal issues in previous sales on the property that have resulted in fraud claims against you or liens on the property.Also, begin arranging to have your new property insured. Before the closing date, start sourcing for home insurance quotes online or from the insurance companies you know. If you already have car insurance, getting a home insurance policy from the same provider might mean you'll pay lower premiums.
Inspect the new house
Conduct a thorough inspection of the property from top to bottom one more time asking yourself the following questions:
- Have any changes occurred to the house since you last viewed it?
- Have the repairs you requested on my last walk-through been done?
- Are amenities like water and electricity functioning as they should?
- Are the front and back yards as you left them or have some shrubs been removed or landscaping damaged?
- Has the seller removed all their belongings?
If the inspection raises some issues, delay the closing until they are resolved. Should you have already fixed a moving date, try to get cash compensation to compensate for outstanding work.
Ask your real estate agent any and everything you need to know before the closing.
72 White Horse Rd., Plymouth, MA 02360
You’ve read all those articles on how to organize, how to arrange, how to store, and yet your home still looks a mess. Perhaps you’ve tried to follow too many ideas and consequently haven’t succeeded at any of them. Here are a few “organizational hints” that you can do without so that you truly succeed in your goals.
Despite the lovely magazine spreads and reality TV reveals, piling the top of your counter with jars, floral arrangements in vases, decorative cake-stands and other beautiful pieces readily contributes to even more clutter. If the item on your countertop isn’t something you use regularly, it’s likely to collect dust and water spots. If it’s near your meal prep and wash-up areas, you’ll often find it has interesting food spatters too. That just means more washing, dusting, cleaning for you to do.
Of course, making the countertops too clean can make life, in general, more of a chore. So, if you make smoothies every day, keep that blender on the counter in a handy location. If you always bake, make room on the surface for your mixer. And if you’re a crockpot or insta-pot chef, keep it right where you use it. Otherwise, you’re regularly cleaning, clearing, and putting things away that you’ll turn right back around and take out just a few hours later. Instead, be sure to wipe your countertop appliances down every day in case they caught some of those food splashes.
Installing beautiful glass-front cabinetry can add value to your kitchen, but unless you have room in other cabinets for your regular stuff, mismatched items piled into your cabinets add to a messy look. If you have glass-front cupboard doors but not enough space, simple line the glass with a decorative film to give it a frosted look while it hides your clutter.
Rethink your space
Just because your mom always kept the dishes in the cabinet to the left of the sink and the glasses on the right doesn’t mean you have to. In fact, if your kitchen has large drawers, stacking plates and bowls in them. Having dishware lower down allows children to participate in setting the table and emptying the dishwasher. If you use plastic ware for extra storage, put it in a plastic basket along with the lids in a lower shelf to make it easier for little ones to reach it when they’re being helpful.
Of course, if the only solution to finding more organization space in your kitchen is to have a new kitchen, talk to your real estate agent and start looking today.
When you’re buying or selling a home, you may hear the terms, “assessed value” and “market value.” There are few things that you should know about these terms. First, they cannot be used interchangeably. The assessed value is generally much less than the market value. If you’re buying a home, you probably would rather see the assessed value of the home as a price! If you’re selling, the same holds true for the market value of the home for you.
Market Value Is Used Differently Than Assessed Value
The market value is how much your home is worth on the market currently. The definition is exactly as the term sounds the home is looked at by an assessor and given a value. The assessed value is used to determine property taxes, among other things. As you can imagine, the assessed value can become a point of contention for many homeowners especially when it comes to paying their tax bills. Many homes end up being assessed at a higher price than their current value, bringing tax bills to higher levels. The market value is what the home will sell for when it is listed for sale.
Be careful when searching for a home to buy. Many sites list the assessed value along with the price of the home or estimated market value of the home. You don’t want to get these numbers confused when budgeting and searching for the perfect house.
If you’re getting ready to sell your home, pay little attention to the assessed value of the home. That is not what your home will sell for.
The market value is a good reason to hire a realtor to help you sell your home. Realtors are experts in finding the market values of homes. They will even do something called a CMA (comparative market analysis) for you to help you determine the right price for your home to sell at. This is where comparable properties in the area are examined for their selling prices and all the perks of your home and neighborhood are considered. The market value is determined by the price of the homes that have recently been sold in the area based on the location of the home and how close it is to certain amenities like schools, parks, and the probability of future construction.
Finally, know that the market value and the appraised value of a home have a lot to do with how much a lender will give you to buy the property. Every home that is being bought must go through an appraisal, to protect the lender from overpaying for a home.
Whether you’re buying or selling a home, knowing your value terms can really be a help in understanding the sweet spot for pricing a property
The interior look of your home says a lot about you; it tells of your kind of style, your personality, and your taste. From the living room to the kitchen, to the bedroom, your signature gets imprinted on all the designs used. Every other year, there are new styles and designs for decorating and furnishing your home. This year is no different; and new techniques promise to make for exciting home designs.
Designers and manufacturers are making patterns and fabrics in bolder and captivating colors; the idea is to select designs that are classic and beautiful - at the same time blending with your personal style.
Here are trends and style you should look out for this you for your home decorating:
Boldly Patterned Kitchen Design
Gone are the days where there are specific colors apportioned to a different part of the house, the kitchen all painted in white - looking like a hospital wall. The trend for this year is a kitchen personalized with designs that blend flawlessly into other parts of the home.
More Emphasis on Nature
Using natural items in design and style is on the uprising. Tables made from petrified woods; stools wrapped up in coconut shell beads, chair patterns mimicking a wheat field; everywhere you turn, the design now seems to be screaming nature.
Splashes of Hue
The millennial pink color seems to be the ‘new black,’ the color tone is cropping up everywhere and in most designs. From rugs splashed with this dusty hue to drapery and upholstery, the color doesn’t seem to be going away soon. The color has a flattering look and is thought to have a lasting effect on the mind.
More About Your Personality
The present generation doesn’t seem to have issues embracing their differences; they wear it proudly like a badge. Home designs for this year are more about individual personality and less about what trend is in vogue. More people are buying the idea of various colors and patterns in their homes; they want their homes to have stamps of their personality everywhere you turn. An example is mixing furniture styles from different periods in your living room; it’s considered charming and your personal style.
The style for this year is kicking out simplistic and minimal designs which some consider boring. Welcome bright and bold colors, graphic patterns, embellished, maximalist and hand-crafted designs. Don't be shy about mixing patterns, textures or colors as these are becoming the norm in most homes. Hardware designs are not left out as leather will replace brass and rose gold.
This year’s home decorating trend is all about you. Whatever style suits your personality is what you should have in your home. You can also consult an interior decorator to get a professional opinion.