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 10/18/2017



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Posted by Deborah Byrne on 10/16/2017

If you're an apartment renter ready to take the plunge into home ownership, there are a lot of reasons to be excited! Owning your own home does bring with it additional work and responsibilities, but the feeling of pride that accompanies it makes it all worthwhile!

Once you get used to the idea that "the buck stops here" and that there's no landlord to handle repairs and maintenance any more, it won't take long to get into the rhythm of being an established property owner. Here are a few tips to help ensure that your first experience with home ownership is a satisfying one.

  • Get a good real estate agent. A real estate professional can provide you with valuable guidance, advice, and information about houses you're considering in your desired neighborhoods and price ranges. A buyers' agent can help you avoid many of the potential pitfalls of buying your first home and help you stay within budget. They'll assist you in clarifying your priorities and work on your behalf to find homes that meet your requirements. A service-oriented agent will not only point out the positive aspects of houses you're considering, but they'll also discuss ideas for adapting the home to your specific needs and lifestyle.
  • Hire an experienced property inspector. A seasoned home inspector can take a close look at the condition of the house and property you're considering and help make sure there are no major structural defects, safety issues, or operational problems with the home's systems and components. Although every property inspector approaches their job a little differently, their inspection service should include everything from the roof and foundation to the plumbing, electrical, and HVAC systems. They may also report to you on the condition of the home's insulation, its exterior, and any existing or potential drainage problems on the property. Certain aspects of the house may be excluded from the inspection if it's difficult or unsafe to gain access to them. A top-notch home inspector can also provide useful insights into repairs that need to be made on the house. As a side note, professional property inspectors are often members of The American Society of Home Inspectors and follow the organization's Standards of Practice.
  • Visit a lot of different houses for sale before making a final decision. It also pays to have a checklist with you to keep track of how each house stacks up to your requirements and expectations.
While your emotions will invariably play a role in your final choice, many other factors should also be taken into account, including the character of the neighborhood, proximity to conveniences and shopping, and the quality of the school district. Your real estate agent and/or the U.S. Department of Housing and Urban Development can provide you with a handy checklist for evaluating and comparing homes for sale.





Posted by Deborah Byrne on 10/9/2017

Home moving demands a lot out of you. Its great reward is the opportunity to relocate to a developing, safer, more centrally located or more kid friendly neighborhood. Home moving also puts a larger house, a home that fits the needs of your growing family, within reach.

Activities to complete before you move

These are just a few reasons why more than 14 percent of Americans move each year. The downside to moving are the cleaning, packing, pricing, furniture lifting and interior design activities that need to be completed. You could save yourself time, money and frustration if you create a home moving checklist.

The checklist could keep you from missing deadlines or forgetting to start and finish important deliverables. Here are important items to add to your home moving checklist.

  • Complete home inspections. Finalize house closing costs and documentation. Sign your mortgage.
  • De-clutter your current home. Giveaway, sell or toss out furniture, appliances, clothes and electronics that you no longer use.You could earn money to cover some of your home moving expenses if you sell these items at online product auction buying and selling sites.
  • Reserve a moving truck. If you're using your own truck to move, clear out the bed of the truck. Make sure that the truck is in condition to transport your household goods to your new home. As a tip, moving companies generally charge by the mile. For this reason, local moves are generally less expensive than out-of-state moves.
  • Stock up on moving boxes. See if the company that you rent a moving truck from will give you free moving boxes. Another way to save on the cost of moving boxes is to ask grocers and department store managers if they have boxes that you can have. Your employer might also have boxes that you can use to store your household goods in.
  • Build a home moving team. Hiring professional movers cost, but can save you lots of time. If you're moving out-of-town,consider working with professional movers where you currently live and another professional moving team in the city or state that you're moving to. As with all home moving activities, price professional movers before you sign a contract.

More home moving checklist must dos

  • Get a babysitter for small children.
  • Take your pets to a pet sitter or drop them off with a relative or friend.
  • Complete home moving forms at the post office to have your mail forwarded to your new address.
  • Contact vendors and let them know your new address.
  • Schedule to have utilities shut off at your current address and turned on at your new address.
  • Buy new furniture and appliances (if you're getting new furniture and appliances).
  • Give your new address and telephone number to family and friends.
  • Update records with health insurance, life insurance and auto insurance companies.
  • Wrap glass and fragile household goods like glasses, jewelry and televisions in protective coverings.
  • Get a moving dolly.
  • Pack.
  • Clean your new home. Give yourself one to two days to clean your new home.
  • Move.
  • Return to your former home and clean.

Move to anew home and you'll meet new neighbors, some which may become lifelong friends.Home moving also opens the door to a pet friendly community and public transportation that supports seniors and school aged children. It's about more than moving into a more open, larger or smaller house. It's about more than taking on lower mortgage payments. Home moving gifts you with community change.





Posted by Deborah Byrne on 10/2/2017

An adjustable-rate mortgage (ARM) offers a home loan with an interest rate that may move up or down. Therefore, with an ARM, your mortgage payments may rise or fall depending on a variety of market factors.

For many homebuyers, an ARM remains a viable home financing option for a number of reasons, including:

1. Lower Interest Rate at the Beginning of Your Mortgage

An ARM enables you to purchase a home that may exceed your price range. As such, it frequently represents an ideal option for a young professional who expects his or her income to rise over the next few years.

With an ARM, you are able to lock in an interest rate for the first few years of your mortgage. For instance, with a 5/1 ARM, your interest rate will remain in place for the initial five years of your home loan. This means that your mortgage payments will remain the same for five years, then rise or fall based on market conditions.

Ultimately, an ARM may help you secure your dream home. In fact, an ARM often allows homebuyers to pay a lower interest rate at the beginning of a mortgage than the interest rate associated with many traditional fixed-rate mortgage (FRM) options.

2. Extra Savings for Home Improvements

If you choose an ARM with a below-average interest rate, you may be able to save extra money that you can use to improve your home.

For example, if you want to overhaul your residence's attic or basement or add an outdoor swimming pool, an ARM may help you do just that. Because you'll know exactly what you're paying for the first few years of your home loan, you can budget accordingly and invest in home improvements that may help you boost the value of your home.

3. Affordable Short-Term Financing

If you intend to live in a home for only a few years, an ARM may be preferable compared to an FRM.

In many instances, an ARM will feature a lower interest rate than an FRM. As a result, if you take advantage of an ARM, you may be able to secure a great house at an affordable price. Plus, if you sell your home before your initial interest rate expires, you can avoid the risk that your interest rate and monthly mortgage costs may rise.

Homebuyers should evaluate both ARM and FRM options. By doing so, a homebuyer can assess his or her home loan options and make an informed decision.

If you ever have ARM or FRM questions, banks and credit unions are happy to respond to your queries. These lenders will enable you to evaluate your financing needs so you can acquire your dream house.

Furthermore, consulting with your real estate agent may deliver immediate and long-lasting benefits. Your real estate agent can offer home loan recommendations and put you in touch with local lenders.

Dedicate the necessary time and resources to assess your home financing options, and you can move one step closer to securing your ideal house.




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Posted by Deborah Byrne on 9/25/2017

For home sellers, home repairs may be needed to improve the quality of your residence. And with the right home improvement contractor at your disposal, you'll be better equipped to optimize the value of your residence. Unfortunately, not all home improvement contractors are created equal, and you'll likely need to conduct an initial phone interview to ensure that you can hire a qualified contractor to fulfill your home improvement requests. So what should you ask during an initial phone interview with a home improvement contractor? Here are four questions that every home seller needs to know: 1. Can You Handle My Home Improvement Project? Not all home improvement contractors will possess the time and resources to deliver the results you need. As such, you'll want to ensure that a home improvement contractor understands the size of the project and is able to complete it successfully. Asking whether a home improvement contractor if he or she is able to handle your home repair project is essential. And if a home improvement contractor is unable to do so, you'll be able to move forward with other potential candidates. 2. Can You Provide References? In many cases, a home improvement contractor should have no trouble providing you with a list of past clients who were satisfied with a project that he or she completed. However, if a home improvement contractor is unable to provide references, you may be better served to consider a home repair professional who boasts a proven reputation and consistently helps clients improve the quality of their residences. 3. How Many Other Projects Are You Currently Completing? No home seller wants to work with a home improvement contractor who will begin a home repair project and fail to complete it in a timely manner. Thus, you should ask a home improvement contractor how many other projects that he or she currently is completing to ensure that this professional will be able to finish the project without delay. Ideally, you'll want to find a home improvement contractor who prioritizes your home repair project. And if a home improvement professional says that he or she is extremely busy with a wide range of client projects, you may want to consider alternatives. 4. What Is the Project Timeline and Cost of the Project? You'll want to find a home improvement contractor who fits both your schedule and budget. Therefore, you should explain when you'd like your project to be completed and how much money is available for your task to find out if he or she is able to meet your expectations. Furthermore, don't forget to ask for a formal bid for the project. This bid will feature a projected timeline and cost and ensure that you can make a more informed decision. Selecting a home improvement contractor sometimes can be a time-consuming and expensive process. And if you choose the wrong one, you may need to commit additional time and resources to correct a past contractor's mistakes. Conversely, asking the aforementioned questions may provide you with additional insights to help you make the best decision possible and reap the benefits of superior home improvements.







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