Deborah Byrne - Berkshire Hathaway HomeServices Verani Realty Somerville
Accolades include: Government Certified, Performance Certified,Top 4% Sales Nationwide, Chairmans Circle, Presidents Circle, Relocation Director, Notary Public, Realtor®, CRS, CBR, CDPE, LMC, Energy Star Certification, Foreclosures MASS Certification, AHWD, CSP, SRES and RECS Top Producer in Massachusetts Awards
617-201-4730 | dbyrne2510@yahoo.com


Posted by Deborah Byrne on 12/11/2017

If you want to buy a terrific house at a budget-friendly price, it generally is a good idea to plan ahead as much as you can. In fact, with a homebuying strategy in place, you can boost the likelihood of a fast, seamless homebuying experience.

Now, let's take a look at three tips to help you craft a successful homebuying strategy.

1. Think About Your Homebuying Goals

Do you want to live in a warm-weather region? Or, would you prefer to buy a house in a city or town where you can experience all four seasons? Regardless of where you want to live, you need to think about your homebuying goals and incorporate them into your homebuying plan.

Make a list of what you want to find in your dream house Ė you'll be glad you did. With this list, you can narrow your home search.

Also, it often helps to review your future plans as you put together a homebuying strategy. For example, if you intend to return to school, you may want to consider houses located near top colleges and universities. On the other hand, if you plan to settle down and start a family, you may want to pursue houses near parks and other family-friendly attractions.

2. Consider Your Financing Options

Buying a house likely will be impossible without home financing. Fortunately, there is no shortage of home financing options available.

Oftentimes, it is beneficial to meet with a variety of banks and credit unions. These financial institutions can teach you about myriad mortgage options and help you get pre-approved for a mortgage.

Once you have your home financing settled, you can incorporate a budget into your homebuying strategy. Then, you can check out available houses and avoid the risk of overspending to acquire your ideal residence.

3. Consult with a Real Estate Agent

Developing a homebuying strategy sometimes can be tough, particularly for those who are crafting a homebuying plan for the first time. Lucky for you, real estate agents are available nationwide who can help you complete a successful homebuying journey.

A real estate agent is happy to meet with you and discuss your homebuying goals. He or she also can review your homebuying strategy and offer expert homebuying recommendations.

Let's not forget about the support that a real estate agent can deliver during the homebuying journey, either. A real estate agent will set up home showings, keep you up to date about new houses as they become available and negotiate with a seller's agent on your behalf. Perhaps best of all, a real estate agent will help you minimize stress throughout the homebuying journey and ensure you can purchase your dream home in no time at all.

If you want to get the most out of the homebuying journey, creating a homebuying strategy is a must. Take advantage of the aforementioned tips, and you can craft a successful homebuying strategy.




Categories: Uncategorized  


Posted by Deborah Byrne on 12/4/2017

If you have hired a realtor to help you sell your home, you have already taken care of a good amount of the job that needs to be done to get the home sold at the right price. There is one important thing that you need to tend to as a seller- thatís getting your home ready to be shown. Once the home is on the market, your realtor will work with you to schedule open houses and times for the home to be shown privately. Whether you only have a few hours or a day or two to prepare for a home showing, there are a few certain areas that you need to tend to in order to help your home appear clean and tidy to impress buyers. 


Sweep Up


It doesnít take very long to sweep down your hardwood and tile floors. After you do this, run over the floors with a mop to remove any stains that may be present on the floor. 


The Dust Rag Is Your Friend


If you have time, you can do a deep clean of your home. It also doesnít take a long time to go over the surfaces of your home with a duster. Getting up the dust will not only make your home smell fresher, but it will appear cleaner as well. 


Make The Beds


Your mother told you for years that you need to make your bed in the mornings. She was right. Beds that have been made look much more presentable and homey than rooms with bedding strewn around. If your bedding is looking less than inviting and you have some time before your showing, you may want to pick up some new bedding. The small details are so important when it comes to selling your home, and making the home look inviting is one of them.       


Clear The Clutter Out


Whether itís piles of clothes on the floor, dirty dishes in the sink, or papers on the counters, clean it up! While you want to give prospective home buyers an idea of what itís like to live in a place, the home doesnít need to look ďlived in.Ē Try and get rid of the personal traces that you leave behind as you prepare to sell your home. As a bonus, you should also make sure the trash is empty and fresh. 


Vacuum The Rugs


Running a vacuum over your rugs can really help to freshen the home. If you have pets, this will help remove the odor that animals leave behind. It will also provide a fresh surface for anyone who is touring your home to walk on. 


Turn On The Lights


When you leave the house for a showing or open house, definitely make sure that all of the shades are open and the lights are on. A bright home is an inviting home.      


 




Categories: Uncategorized  


Posted by Deborah Byrne on 11/27/2017

When you get pre-approved for a mortgage, you may be excited to find out that you can afford a lot more house than you thought you could. Donít be so fast, this is just what you can get a loan for. The bank doesnít know a lot of factors about your finances. While you most likely had to provide a ton of income verification statements and information in order to get this ballpark figure, relying solely on the pre-approval number can put you in a bind when it comes to your finances. Your lender doesnít know certain things like how much you spend on groceries or how much your cell phone bill is each month. 


What Lenders Consider


Lenders look at the health of your credit history, how much income you have and how much debt you have. These are the big factors that tell your lender about how much house you can afford. Yet, your home lender is not your financial advisor and canít help you with household expenses and the like. When thinking about what price range of home you really can afford, consider these factors beyond the bank:


Your Monthly Budget


Your spending habits will ultimately affect your ability to pay the monthly mortgage bill. If youíre spending all of your disposable income, then you may not be able to afford much at all beyond what youíre already paying for rent. You donít want to stretch your finances so thin that you wonít be able to afford food! 


Owning A Home Requires Additional Costs


Lenders do factor into their number the cost of homeownerís insurance and property taxes, but donít consider other things like utility bills, trash pickup and home repairs. All this can certainly add up when youíre a homeowner! 


Your Savings Is Nonexistent


If youíre unable to save any money at all if youíre a homeowner, then youíll be in trouble. You need money stashed away in case of unemployment or an emergency. You also may be planning for things like retirement and future costs like childrenís education. For the initial purchase of a home, youíll need upfront payments available for the down payment and closing costs. However, youíll need some more savings beyond that for everything that life brings your way!  


You Have Big Plans


Are you thinking of quitting your job and heading out to start your own business? Now may not be the best time to buy a new house. These changes could have a huge impact on your finances and leave you unable to pay your mortgage. Your lender wonít be asking about these plans, so youíll need to know what the future holds (for the most part ) in order to keep your own finances secure. 


The bottom line is that anything that could leave you financially stressed is not a good idea. Considering that buying a home is one of the biggest purchases you'll ever make, you want to be sure that you keep your finances in check during the purchase process.  




Tags: Mortgage   loans   budgeting  
Categories: Uncategorized  


Posted by Deborah Byrne on 11/20/2017

There are a lot of factors that can cause one house to sell quickly, while others in the neighborhood languish on the market for months.

In many cases, homes are scooped up because of a desirable location, a great school district, or irresistible curb appeal.

While all buyers have their priority items and wish lists in mind when shopping for a new home, final decisions are often based on psychological factors, emotions, and gut feelings -- not just cold, hard facts!

If you're getting ready to put your house on the market, here are a few strategies for improving your chances of making a fast sale:

Good feelings help sell houses. Prospective buyers are going to be drawn to your house if it looks impeccable from the street and well cared-for on the inside. When your home conveys a sense of pride in ownership and attention to detail, it sends a positive psychological message to house hunters. Very often, the power of suggestion can work in your favor when you're trying to make a favorable impression on potential buyers. Displaying fresh flowers, an appetizing bowl of fruit, or even table settings in your dining room or kitchen can help create a more inviting, appealing atmosphere. The right furniture arrangements can conjure up images of family gatherings, intimate conversations, or relaxing afternoons on the backyard deck.

Clutter creates discomfort. If you notice visitors side-stepping past your furniture or walking through your home as if they're navigating a maze, that's a sure sign your house is cluttered. Too much furniture or furniture that's too large and bulky for the space it occupies will make your rooms look and feel cramped. Creating a feeling of spaciousness and openness, on the other hand, helps bring out the best in all areas of your home.

Small touches make a difference. Displaying vases of fresh-cut flowers, an appetizing bowl of fruit in the kitchen, or colorful, new towels in the bathroom can help enhance the ambiance of your home. When conditions permit, the smell of fresh muffins, bread baking, or coffee brewing can infuse your home with a comforting and inviting fragrance. A house that looks and smells clean will also help create a positive multi-sensory experience for your visitors.

The right price can clinch the deal. Ideally, the price of your home should be based on comparable properties in your neighborhood and what they recently sold for. If your home is not in the same ball park, you could easily scare away qualified buyers who would otherwise be ready to make an offer. Working with a real estate agent can help ensure that you're house is competitively priced and that it doesn't linger on the market longer than necessary. Once you get caught in that cycle, the perceived value of your home and it's overall desirability can begin a downward slide. Take steps to prevent that from happening by having a comparative analysis done.





Posted by Deborah Byrne on 11/13/2017

When it comes to the decision of whether to add a dog to your family, one thing's for sure: Pet ownership is not for everyone! If your job or lifestyle keeps you away from home most of the time, then adopting or buying a dog might not work out that well for you.

Dogs are very social creatures and need daily companionship and a lot of attention. If they're left alone day and night, they'll become increasingly unhappy. That often translates into undesirable behaviors, such a incessant barking, chewing on furniture, and other symptoms of separation anxiety and boredom.

The good news about welcoming a dog into your family is that the rewards usually outweigh the drawbacks. If you're an animal lover, you'll be able to relate to the many advantages of owning a dog (or maybe even two)!

  1.  Dogs can bring a positive energy into your home. Assuming you've chosen a dog that's a good fit for your family and lifestyle, it can be a lot of fun to have a dog in the house. Most dogs are playful, affectionate, and obedient, and are always thrilled to see you when you come home!
  2. Dogs and exercise often go together. Unless you have a fenced in yard and can just let your dog out when it needs to relieve itself, it's necessary to accompany your dog for neighborhood walks. While this responsibility can be shared by different members of the family, walking your dog can be a great way to burn off a few calories, stretch your legs, and get some fresh air. There are also the health benefits of taking in a little natural vitamin D from the sun.
  3. Dogs help you meet other animal lovers. Whether you take your furry friend to a nearby park or just a leisurely stroll in the neighborhood, their will be a lot of chances to exchange greetings and small talk with other dog walkers and animal lovers. If you've just moved to a new neighborhood and are looking for ways to meet your neighbors, going for daily walks with your dog can be an effective way to do that. An important side benefit of having Fido interact with other dogs and people is that it helps them get properly socialized -- especially if you start the process when they're still a puppy.
  4. Dogs play a role in protecting your home and family. Some dogs are better security guards than others, but most have a protective instinct to bark when strangers are on the premises. While this is not a fail-proof security system, it can definitely be a deterrent to break-ins, burglaries, and other intrusions.
Although there are a lot of advantages to bringing a dog into your household, it's always a good idea to carefully weigh the pros and cons, and make sure everyone in your family in on board before making the commitment.




Tags: Dog Lovers   dogs   pet behavior  
Categories: Uncategorized  




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