Ryan Seward - RE/MAX Select Realty



Posted by Ryan Seward on 12/13/2018

If youíre buying a home for the first time, you have a lot to learn. There are so many decisions that need to be made and new terms to be understood. While you may have been saving up for a downpayment, youíre most likely going to need t finance the majority of the cost of your home. Knowing how to deal with lenders, real estate agents, and other professionals involved in the process of purchasing a home will make your life that much more straightforward. Read on for some mortgage tips that every first-time home buyer should understand.


Know Your Budget


You may find when you apply for a mortgage that youíre able to finance more than you thought you could. Being able to borrow such a significant amount is where many home buyers get caught in a numbers trap. Although the bank may be willing to loan you a certain amount, you might not actually be able to afford it. While the bank looks at many of your financial numbers, the bank doesnít know your entire budget. How much you spend on groceries each month or the cost of your monthly phone bill are out of the picture when the mortgage company approves you for a loan. Whatever amount of money you borrow to buy your house will result in a monthly payment amount. If youíre only paying $800 per month in rent but your mortgage payment will be $1400, that will result in a significant budget adjustment. Will you be able to come up with the additional $600 each month to pay the mortgage? You need to look at your entire budget seriously to be safe in your mortgage transaction. 


Plan For Out Of Pocket Expenses


You know that you need to save for a downpayment on the home of your dreams. What you may not know is that there are many other out of pocket expenses that you need to foot the bill for when you buy a home. These costs include:


Inspection

Legal fees

Insurance

Pizza for the people who help you move

Repairs to the home

Utility costs


There are so many expenses that you need to come up with when you buy a home. Donít merely save enough for your down payment and stop. Make sure you have a financial cushion for emergencies, money to help furnish the house, and more. 


Mind Your Credit


When you buy a new home, it may be tempting to buy new furniture, decor, or other items for your property. Hold off on opening any new credit or making large purchases. While a new car will look great in your new driveway, it wonít look so good on your credit score. Be very mindful of your credit score when you are getting ready to buy a home.  





Categories: Uncategorized  


Posted by Ryan Seward on 12/10/2018


9999 Madison Avenue, Newton, MA 02460

Newtonville

Rental

$1,900
Price

4
Rooms
2
Beds
1
Baths
FURNISHED SHORT TERM LEASE TILL 5/31/19. Outstanding opportunity to rent this beautifully renovated 1st floor 2 bed 1 bath in the heart of Newtonville. This unit offers a fully applianced granite and stainless eat in kitchen, gas stove, beautifully renovated bathroom, recessed lighting, gleaming hardwoods floors, newer replacement windows, gas heating, spacious bedrooms nicely separated from one another, in unit washer and dryer, front and rear decks, central a/c, storage in the basement. Parking for 2 cars in the driveway. Close to public transportation, highways, shops, restaurants and everything else Newtonville has to offer. A MUST SEE! This unit comes fully furnished.
Open House
No scheduled Open Houses

Similar Properties





Tags: Real estate   Rental   Newton   02460  
Categories: New Homes  


Posted by Ryan Seward on 12/6/2018

The daily commute can be a daily grind. What if you could commute and get a workout in at the same time? You can if you take on the task of commuting by bicycle. Whether youíre established in your current neighborhood or searching for a new home, you should always consider your location in relationship to your work in addition to your preferred mode of transportation. Especially in regions where the weather is nice the whole year through, youíll want to check on your options for commuting by bike. Below, youíll find some tips that can make commuting to work by bicycle from your home a bit easier. 


Plan Ahead


Depending on weather conditions, youíll need to plan ahead. If you have a longer commute, youíll most likely need to bring a change of clothes to work. You donít want to spend an entire day at the office in sweaty, smelly clothes. If you need to dress professionally, you should plan to bring clothing that wonít wrinkle easily. Also keep some items to help you freshen up in your work bag including deodorant and wipes. As temperatures get warmer throughout the year, this will become ever important. If the weather looks like it might rain, you might want to bring additional gear or just skip the commute by bike altogether on those days. You can even store some spare clothing or toiletries in your desk in case you forget to pack something one day.  


Have A Space To Keep Your Bike


Both at home and at work, youíll need to find a spot to keep your bike. Itís important to find a place where the bike will be secure and is able to be locked down. Depending upon the type of area you work in, youíd hate to ride to work on your bike only to find out that when youíre ready to return home your bike has been stolen. Your bicycle should also have a convenient location where you can store it around your home as well. 


Keep In Mind That You Still Could Encounter Problems


Even though youíre riding a bike and not driving a car, you can still encounter problems on your ride to and from work. Hit one bump the wrong way and youíll end up with a flat tire. This means that youíll need to have a kit ready in case of any kind of issues that you encounter during your commute. Keep this commuter kit with your work things so that you donít need to worry about where the spare tubes and bicycle pump are. 


When you choose a commuter friendly neighborhood, youíll be surprised at how much fun and how easy commuting to and from work by bicycle can be. Just heed some convenience and safety tips and youíll be well on your way to a good workout to and from work.      





Tags: commute   bicycle  
Categories: Uncategorized  


Posted by Ryan Seward on 11/29/2018

There are many reasons that you might consider selling your home during the holiday season. Thereís one thing that holds true about both buying and selling during the holiday season- people are motivated. With the stress of the holidays, many people shy away from real estate. The serious buyers and sellers are in the thick of the market this time of year. 


Sell Faster


Many people assume that the spring and summer are the best times of year to buy and sell a home. As a seller, your home may go off the market faster during the holiday season. While many people are planning on making a home purchase during the warmer months, there are plenty of serious buyers out there in the cold. There are a few reasons for this. If your home is for sale during the holiday season, you may be in a great position to sell your home at a good price.


Less Competition


As a seller, youíre in a good position during the winter months because there is less inventory for buyers to look at. If buyers are motivated, your home has a better chance of standing out. Youíre not in competition with many other sellers to entice buyers. 


Buyers Are Motivated


The buyers who are out looking for homes over the holiday season are those who have a need. Whether these buyers have been looking for awhile and want a new home in the new year, or are facing a job change, they want to close on a house ASAP. The best thing you can do as a seller is to stay flexible so that buyers have easy access to home showings. 


Your Home Is Already Clean


If youíre selling your home over the holidays, itís probably already clean. As you expect family and friends to pop in and out of your home, it will be tidy. The other guests who are touring your home to potentially buy it will also see that your home looks fantastic. A neat home is an additional way to attract buyers because they can more easily see themselves living in the house. Holiday decor will only enhance your homeís appearance.    


Itís Easier To Work With Agents


Since the holiday season is a less busy time in real estate, REALTORSģ have more time to devote to each sale they do have this time of year. Working with an agent is the best way to get a good return on your home. An agent can help you to price your home appropriately and market it to the right buyers. Itís always best to go with a professional when it comes to selling your home.              




Categories: Uncategorized  


Posted by Ryan Seward on 11/15/2018

If you plan to sell your house in the foreseeable future, it usually pays to clean out the garage. In fact, a home seller who declutters the garage today can show homebuyers the true size and beauty of this space, thereby increasing a house's overall appeal.

Ultimately, it won't take long for a home seller to declutter the garage Ė here are three tips to help you remove clutter from your garage before you list your residence.

1. Identify Excess Items

Old automotive parts, tools and other excess items can take up lots of space in your garage. However, a homeowner who dedicates the necessary time and resources to identify garage clutter can plan accordingly.

Separate must-keep garage items from excess items. Then, you can determine exactly how much space that you'll need to store the items that you want to keep.

For many homeowners, storage cabinets and shelving units make it easy to keep track of items in a garage. Or, if you need extra space to store garage items, you may want to consider renting a storage unit until you finalize your home sale.

2. Sell, Donate or Dispose of Excess Items

When it comes to excess garage items, there is no need to delay the inevitable. If you sell, donate or dispose of garage clutter, you can quickly eliminate excess items from your garage.

Selling your excess garage items online or hosting a yard sale may prove to be worthwhile. In both instances, you can generate interest in assorted garage items and earn extra cash at the same time.

In addition, you may be able to donate excess garage items to local charities. If you reach out to local charities and learn about their donation policies, you can find out which charities will accept your excess garage items and schedule donation pick-ups.

On the other hand, if you find garage items that are broken or damaged, dispose of these items. That way, you can free up space in your garage immediately.

3. Conduct In-Depth Garage Cleaning

After you remove garage clutter, it is important to spend some time cleaning your garage from top to bottom. This will enable you to transform an ordinary garage into a spectacular one.

If you need extra help with garage cleaning, don't hesitate to contact a professional home cleaning company. This business likely employs friendly, diligent cleaning experts who can help you accelerate the garage cleaning process.

Lastly, if you're searching for the best ways to improve your home before you list it, you may want to hire a real estate agent.

A real estate agent can offer honest, unbiased garage cleaning recommendations and suggestions. Plus, this housing market professional will set up home showings, keep you up to date about offers on your residence and ensure you can enjoy a fast, seamless home selling experience.

Want to sell your residence soon? Use the aforementioned tips, and you can bolster your garage's appearance in no time at all.




Categories: Uncategorized