Lynne Eliopoulos
ERA Key Realty Services | 508-832-1032 | [email protected]


Posted by Lynne Eliopoulos on 9/15/2019

A smart home device may prove to be a time (and money) saver. However, not all smart house devices are ideal for all homeowners. If you select a smart home gadget that fails to accommodate your day-to-day needs, you risk wasting time and resources on a device that delivers little to no return on investment.

Ultimately, it helps to conduct an in-depth search for the right smart home devices based on your individual needs. With a comprehensive search, you can find one or more terrific smart house gadgets that suit you perfectly.

For those who are on the lookout for reliable and budget-friendly smart home devices, there are lots of things you can do to perform an extensive search for gadgets that will serve you well. Now, let's take a look at three tips to help you find the right smart house gadgets for your residence.

1. Assess Your House

Think about why you want a smart home device, as well as how you might use this gadget in your house. Then, you can determine how exactly a smart house device can help you streamline various day-to-day tasks.

For instance, if you strive to reduce your electricity bills, you may want to invest in smart light bulbs. This investment could deliver long-lasting cost savings, as smart light bulbs will allow you to simultaneously brighten up your residence and lower your electricity consumption.

On the other hand, if you want a new doorbell, now may be an ideal time to invest in a smart doorbell. With a smart doorbell at your disposal, you can use the video camera that allows you to see visitors as soon as they approach your home.

2. Start Small and Scale Accordingly

Although you may be tempted to buy multiple smart home devices at once, it often is a good idea to purchase one smart house gadget at a time. That way, you can avoid the risk of getting overwhelmed by myriad smart home devices at once.

Generally, it helps to perform research, find out if a smart home device is right for you and make your smart house gadget purchase. If your investment works out well, you then should consider additional smart home devices.

Of course, if you find a particular smart home device fails to match your expectations, there is no need to stress. Smart home technology is constantly evolving, and as such, new and improved smart house devices soon may be available to fulfill your needs.

3. Review Your Budget

Set a budget for your smart home device spending. Next, try to stick to this budget as closely as possible to ensure you don't spend beyond your means to purchase smart house gadgets.

Shop around for a smart home device, too. This will allow you to pick up a quality smart house gadget at a price that corresponds to your budget.

Clearly, there is a lot to consider relative to smart home devices. If you use the aforementioned tips, you may be better equipped than ever before to determine if a particular smart house gadget is right for you.





Posted by Lynne Eliopoulos on 9/8/2019

Putting an offer on a home is an exciting event. You don’t want to get so excited that you overlook the important factors that go into buying a home. Follow the tips below before you put an offer on a property.  


Research


In order to come up with a price to offer on a home, you need to do some research. You should have a general understanding of the local market. Although your realtor will have a good grasp on this, it’s always a good idea to be an informed buyer. You can work with your realtor to find the right price. You don’t want to blurt out a number that is completely out of line for the neighborhood or market conditions. 


A good place to start is by taking a look at what the homes in the the neighborhood are selling for. You can also look at what homes in the area have recently sold for. The advantage to hiring a realtor is that they have easy access to all of this research and information. Be sure that the properties that you look at are comparable to the one that you hope to put an offer on. You can even do this ahead of time if you have an idea of what kind of property you’re looking to buy. 


Another useful tool in the research part of making a offer is the history of the property. When did the seller purchase the property? At what price? If the seller has moved in more recently, you may have some wiggle room for negotiations.


Get Pre-approved


Getting pre-approved gives you some buying power. First, you’ll know how much house you can afford. Next, you’ll know that a lender is dedicated to lending you that amount to buy a home. Your offer will be taken more seriously if you have been pre-approved because the seller will know that you can get the funds to purchase the home. 


Get The Help Of A Realtor


When you hire a realtor, you’re getting the agent along with the team of people that they work with. Realtors can recommend you to everyone from home inspectors real estate attorneys. An attorney is an especially helpful advocate in the process of buying a home because they can check to be sure that your offer meets the legal requirements within your state and protect your interests as a buyer. 


The attorney will also look at the purchase agreement for the home. This will include all of the details of the property transaction:


  • The date of the offer
  • The address and property description
  • Amount offered for the home
  • Loan details including the down payment amount
  • The closing date
  • Any contingencies

These will all be very important to you as a buyer and a lawyer make sure that everything is legally sound will be a great protection for you.


Now, you’ll be ready to seal the deal!       


 





Posted by Lynne Eliopoulos on 9/1/2019

Obtaining a mortgage can be overwhelming, particularly for a first-time homebuyer. Lucky for you, we're here to help you streamline the process of analyzing various mortgage options and choosing one that matches or exceeds your expectations.

Now, let's take a look at three tips to help first-time homebuyers secure the ideal mortgage.

1. Assess All of the Mortgage Options at Your Disposal

Both fixed- and adjustable-rate mortgages are available, and homebuyers who understand the pros and cons of these mortgage options may be better equipped than others to make the right mortgage decision.

A fixed-rate mortgage ensures a homebuyer will pay the same amount each month. For example, a 30-year fixed-rate mortgage enables a homebuyer to budget for monthly home payments over the course of three decades. And in many instances, a homebuyer may be able to pay off a fixed-rate mortgage early without penalty.

On the other hand, an adjustable-rate mortgage may start out with a lower monthly payment that escalates over the course of a few years. An adjustable-rate mortgage, for instance, may allow a homebuyer to acquire a home that surpasses his or her initial budget thanks to a lower initial monthly payment. However, after the first few years, the monthly mortgage payment may increase, and a homebuyer will need to plan accordingly.

Assess your mortgage options closely – you'll be glad you did. By doing so, you can boost your chances of selecting a mortgage that works well based on your current and future financial needs.

2. Evaluate Your Credit Score

Believe it or not, a first-time homebuyer's credit score may impact his or her ability to get the right mortgage. Fortunately, a first-time homebuyer can analyze his or her credit score without delay.

You can request a free copy of your credit report annually from each of the three credit reporting agencies (Equifax, Experian and TransUnion). Then, with your credit report in hand, you can better understand how potential lenders may view your mortgage application.

Of course, if you receive a copy of your credit report and find glaring errors, be sure to let the credit bureau know immediately. This will enable you to get any mistakes corrected and ensure these problems won't slow you down as you pursue your dream residence.

3. Consult with Potential Lenders

Although getting a mortgage may seem like an uphill climb at first, consulting with potential lenders may prove to be exceedingly valuable, especially for a first-time homebuyer.

Banks and credit unions employ friendly, knowledgeable staff who are happy to educate you about assorted mortgage options. These lenders can teach you about the ins and outs of various mortgage options at your convenience.

Lastly, if you need extra help in your search for the perfect mortgage, real estate agents may be able to offer assistance. These housing market professionals can provide honest, unbiased recommendations about lenders in your area so you can move one step closer to securing your ideal mortgage.

Ready to get a mortgage for the first time? Use these tips, and you can accelerate the process of obtaining a mortgage that suits you perfectly.




Tags: Mortgage   Buying a home  
Categories: Buying a Home   Mortgage  


Posted by Lynne Eliopoulos on 8/25/2019

When it comes to making a good impression on prospective home buyers, small details can make a big difference! Not only do you want prospects to see your home as being clean, neat, and well organized, but it should also leave them with a good overall feeling.

Even though it can be a bit of a hassle to continually prepare your bathrooms for house showings, there's no bigger turnoff to prospective buyers than a grungy bathroom! Generally speaking, if people cringe at any aspect of your home (especially the bathrooms or kitchen), then they're probably not going to make an offer on your property.

In addition to making all fixtures and surfaces sparklingly clean, winning over potential buyers also involves making your home look inviting.

One thing many home sellers overlook is the condition of their bathroom towels and washcloths. If they're wet, bedraggled, or ragged looking, then that's going to send the wrong message to buyers. There are a variety of ways to overcome that, including putting out brand new, colorful towels that have never been used before (Just make sure to take off the store tags before putting them on display!).

If they're neatly folded and strategically placed, then they'll convey an impression of freshness, cleanliness, and neatness. Those are among the key qualities people want to see when they're considering buying your home. By making sure your house is well organized, uncluttered, and tastefully decorated, you're also giving the impression that you and your family take pride in the appearance and upkeep of your home. This is sure to score many Brownie points with potential buyers!

Besides ragged-looking towels, another subtle, but powerful turnoff for buyers is old-looking curtains. Although you may be so accustomed to your old curtains that you don't even notice or see them any more, there's a good chance they'll stand out like a sore thumb to other people! If the appearance of your curtains degrade the rest of the room, then that one aspect could literally be a deal killer. As the expression goes, "A chain is only as strong as its weakest link." People may not know exactly why they weren't favorably impressed with your home -- even though it met all their basic requirements --but it could be something as simple as grungy, faded, tattered-looking curtains, rugs, or towels. It's often an easy, relatively inexpensive fix, but you have to be aware of the problem before you can take corrective action.

Working with a real estate agent to help you present your home in its best light can make the process go much more smoothly and result in a faster sale. Experienced agents will also provide you with valuable advice, guidance, and marketing assistance that can favorably affect the actual selling price and the length of time your home remains on the market.





Posted by Lynne Eliopoulos on 8/18/2019

Ready to transform an ordinary kitchen into a stellar one? With a kitchen cleaning checklist, any home seller can revamp a kitchen's look and feel.

Ultimately, there are several things to include in a kitchen cleaning checklist, such as:

1. Countertops

If you cook regularly, your kitchen countertops may become messy. Plus, if you store a wide range of items on your kitchen countertops, these items may collect dust over time.

Fortunately, it usually doesn't take long for a home seller to clean kitchen countertops and improve their overall appearance.

It may prove to be worthwhile to clean the kitchen countertops daily. Wiping down the countertops regularly ensures that dust and debris can be eliminated before they cause long-lasting damage.

Furthermore, don't forget to eliminate as much clutter as possible from your kitchen countertops. This will enable you to show off the true beauty of your kitchen countertops, thereby increasing the likelihood that potential homebuyers will be impressed by your home's kitchen.

2. Floors

If food particles fall onto the floor while you're cooking – and you fail to clean them up in a timely fashion – serious problems may arise in your kitchen. However, a diligent home seller will know how to keep the kitchen floors looking great at all times.

Cleaning the kitchen floors typically is a weekly task that may require just a few minutes to complete.

If you have tile floors in your kitchen, warm water can be used to wipe down the floors as needed. Also, sweeping or vacuuming tile floors will enable you to get rid of loose soil and grit.

Comparatively, if you have hardwood floors in your kitchen, boiling water may prove to be essential. Wash your kitchen's hardwood floors thoroughly, and you can enhance their appearance in no time at all.

3. Sink

Believe it or not, the kitchen sink can make a world of difference in the eyes of potential homebuyers. If you dedicate the necessary time and resources to clean the kitchen sink, you should have no trouble impressing homebuyers any time they check out your house's kitchen.

Using a general-purpose cleaner is all it takes to clean a kitchen sink. After you apply the cleaner, wipe the sink dry, and you're good to go.

Daily kitchen sink cleaning is paramount. If you spend even a few minutes each day cleaning the kitchen sink, you can maintain the sink's appearance both now and in the future.

If you need additional help with kitchen cleaning, don't hesitate to reach out to a home cleaning company for assistance. This business hires professionals who understand the ins and outs of cleaning a kitchen – as well as other areas of a home – and will help you revamp a house's appearance.

Lastly, feel free to contact a real estate agent for support throughout the home selling process. With an expert real estate agent at your side, you can boost your chances of getting the best price for your residence.