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 2/19/2018

If youíre getting ready to buy a home, you know it will be one of the most significant purchases of your entire life. However, are you fully prepared for all of the expenses that buying a home will bring? You donít want to buy a house to find out that you canít afford it after all.


Many expenses go into buying a home that you can plan for ahead of time. Other costs arenít as exact that you will need to add in your budget. Read on to learn more about many of the expenses that throw first-time home buyers for a loop. 


Closing Costs


Closing costs encompass a whole bunch of expenses that youíll incur buying a home. These include:


  • Taxes
  • Application fees
  • Attorney fees
  • Title insurance
  • Reimbursements
  • Recording fees

No matter what the closing costs include, you should plan for these expenses to be about 2-5 percent of the price of your home. Costs can vary widely, but itís good to have a bit of extra cash on hand.


Maintaining Your Home


While most homebuyers are prepared for the initial costs of buying a home, they don't know how much it costs to maintain a home. Each year, things will come up on your property that needs to be addressed continually. These tasks include:


Cleaning

Yard care

Gutters

Pressure washing


These routine tasks are independent of other costs like replacing a stove or fixing a furnace. Homeowners need to be prepared for these expenses as well.


Taxes


Taxes can increase or decrease for any given year. You can lookup taxes in the area where youíre planning to buy a home in order to prepare yourself. You should make sure that your property taxes are comparable with that of other homes in your area.

Utilities


Utilities are what your home runs on. Depending on the climate you live in the number of utilities you pay can vary. Take into account these things:


  • Heat
  • Air conditioning
  • Water
  • Electricity
  • Phone
  • Cable
  • Internet

Most neighborhoods have one or two choices for services, so you can ask people in the neighborhood what providers they [refer and how much their bills are each month.         



Insurance


Youíre required to have homeownerís insurance when you get a mortgage. Even if you donít take out a mortgage and pay cash for a home, itís a wise decision to protect your investment. Estimate how much a yearly policy will cost you ahead of time. 


This insurance will protect your property from things like theft and fire. You can shop around for the best rates based on policies that suit your needs. Itís easy to price out policies online. See where you can save including discounts for security systems or multiple policy discounts. 


If you live in an area where floods or earthquakes are prevalent, you should be aware. Youíll find you need additional policies to cover damage in the event of these disasters. The most important thing about your homeownerís insurance policy is that you check the details for all of the fine print.       





Categories: Uncategorized  


Posted by Deborah Byrne on 2/12/2018

Let's face it Ė if you plan to relocate, you may need to reserve a moving truck. However, many moving truck providers are available, and finding the right one may prove to be a long, arduous process.

Lucky for you, we're here to help you streamline the process of evaluating moving truck companies so that you can make the best possible decision.

Now, let's take a look at three questions to consider before you book a moving truck.

1. How much stuff do I need to move?

If you own a wide range of antiques, books, DVDs and other items, you may need a medium or large moving truck to transport all of your belongings from Point A to Point B. Comparatively, if you rent a studio apartment, you may only need a small moving truck to help you bring your items to your new house.

Take a look at all of your belongings and put together an inventory. Then, you'll be better equipped than ever before to select a moving truck company that provides a vehicle that matches your moving needs.

2. How far do I need to go?

Distance is an important factor to consider as you evaluate moving truck providers, as most of these companies will require you to pay for the fuel costs associated with a moving vehicle.

For example, if you need to move out of state, you may need to account for the cost of renting a moving truck, along with several hundred dollars in fuel charges. Or, if you are moving just down the road from your current address, the fuel costs associated with a moving truck probably will be minimal.

When it comes to determining which moving truck company to use, it pays to look at how these businesses account for fuel expenses. By doing so, you can budget accordingly.

3. How long will it take to complete my move?

In many instances, a moving truck provider will bill you based on how long you keep a vehicle. This means someone who needs a moving truck for just a few hours may pay significantly less than someone who requires a moving vehicle for several days.

Plan ahead for moving day as much as possible. That way, you can find ways to streamline the moving cycle and cut down on the amount of time that you will need a moving truck.

Lastly, if you need help finding the right moving truck company, you may want to consult with a real estate agent. This housing market professional is happy to provide recommendations about various moving truck companies in your area. Perhaps best of all, a real estate agent can take the guesswork out of buying or selling a house and ensure you can enjoy a seamless move.

Make an informed decision about a moving truck provider Ė use the aforementioned tips, and you can select a moving truck company that will meet or exceed your expectations.





Posted by Deborah Byrne on 2/5/2018

Understanding how much your home is worth is important for a number of reasons. For one, when you go to sell your home, youíll have an idea of how much equity that youíre working with. You may need to either refinance your home, take out a loan, or line of credit. Knowing the current market value of your home can give you a good idea of your finances and what to expect. Many people believe that their home is worth more than it actually is. In reality, your home is only worth what people will actually pay for the property in a certain time frame. 


Some websites offer basic ideas of how much your home is worth. You can also use the Internet to search for comparable properties and see what has been sold, how much it has been sold for, and how much other homes that are similar to yours in the neighborhood are worth. Youíll need to be sure that the comparing properties include the same types of features as your own home in order to get a good estimate. 


Consult A Realtor


Experienced realtors in your area are great resources for helping you to determine your propertyís value. Many agencies offer free market value analyses, which can help you to see where your home would fall in the current real estate market. Realtors donít get paid unless your home sells. They can use their many resources to work with you on the sale of your home and help you to price it appropriately.


Hire An Appraiser


If you want to dig a bit deeper in the pricing of your home, youíll need to shell out a bit of cash. You could hire a certified appraiser who will dig deep into your property to determine the value. Once you find a buyer, another appraisal will happen on the property. The buyer pays for this. If you really want a good idea of how much your home is worth, hiring an appraiser beforehand is key. Keep in mind that appraisers may come up with slightly different estimates for the same home.      


Know The Key Things That Affect Home Value


There are a few big factors that influence just how much your property is worth. While you may love your big kitchen, it goes a lot further than that. Factors that contribute to how much your property is worth include:


  • The amount of land that you have
  • The neighborhood your home is in
  • The schools your home is near
  • How many square feet your property is
  • The condition of your home
  • Any updates that have been made to the home
  • The types of appliances you have
  • Has the home ever been foreclosed on? 
  • Is your home energy efficient?


Based on all of this information, youíll be able to get a good idea of what your home is worth. Beware of things that can cause a major financial setback on your homeís value like an urgent need for roof replacement, dated windows, or an unknown crack in the foundation. Getting an idea of what your home is worth is a great way to keep on top of your own assets whether youíre prepared to sell or just curious about numbers.




Categories: Uncategorized  


Posted by Deborah Byrne on 1/29/2018

Many new homeowners see getting a dog as a rite of passage to homeownership. Oftentimes, theyíre moving from apartment buildings that didnít allow dogs or parents who didnít want pets and having their own home finally seems like their chance at having a dog. However, itís important to take into consideration several factors before buying or adopting a dog.

In this article, weíll talk about what it means to be both a dog owner and a homeowner, and discuss how to tell if buying a dog is a good move for you in your new home.

Time management

It has been said that having a dog is like having a two-year-old child who stays that difficult age for ten years. Depending on the dogís breed, temperament, and trainability, thereís a chance you could be in for a handful of a dog.

The first factor in deciding whether or not to get a dog in your new home is to determine if you have the time to take care of it. If you work long hours or have to travel for work, these are obvious signals that you might not have time to spend with a pet who needs care and attention.

However, you should also consider whether you have an extra hour each morning and evening to feed and play with your dog who will need exercise to stay healthy. Youíll also need to set aside time each week for things like training, socializing, bathing, trimming their nails, and so on.

All of these commitments add up, so itís important to consider how much time you have before going down to the shelter to or kennel to pick up a new dog.

Dogs are expensive

Most people who donít own a dog do not realize how expensive they are. Food is just the tip of the iceberg, and if youíre planning on getting a large dog, food can cost you well over $100 each month. On top of food, youíll need to be prepared to spend up to $200 for each visit to the vet and for necessary medications for things like heartworm, fleas, and ticks.

Dog training is also highly recommended to ensure that you and your dog both have a better understanding of whatís expected of one another. Training will help with things like obedience, but also will improve your dogís behavior by giving them a job to focus their energy on (rather than on tearing up your furniture).

Dogs need space

It may seem like you have all the space in the world in your new home, especially if you moved from a small apartment. However, many dog breeds require room to run freely. If you want to get a sporting dog, youíll either need to take them somewhere they can run each day, or have a yard large enough for them to run in.

If you choose the latter, youíll need to make sure your dog is safe from traffic if you live on a busy street. That could mean spending hundreds of dollars to erect a fence.

Ultimately, having a dog can be a highly rewarding experience for you and your pet. But now that you know some of the fine print to dog ownership, youíll be able to make a more informed decision on whether or not getting a dog is right for you.




Tags: home   dogs   dog  
Categories: Uncategorized  


Posted by Deborah Byrne on 1/22/2018

Selling a home requires a combination of careful planning, favorable market conditions, and good luck. As a result, thereís no simple formula for determining when your house will sell. There are, however, things you can do to help increase the odds of your home selling within your timeline.

In this article, weíll go over some of the reasons homes sell quickly or slowly, and offer some tips on how to plan accordingly so that your home sells at the price you want and within the time you need, so you can get back to your life in your new home.

What you canít control

Letís start with the pre existing conditions that you wonít have much sway over when it comes to selling your home. First, thereís the market: is it a buyerís or a sellerís market? The term ďsellerís marketĒ deals with supply and demand. In a sellerís market, there is more demand than supply, and therefore listings often see quicker sales and more frequent offers. These terms are used geographically as well. While we are currently considered to be in sellerís market nationwide, it could vary geographically. Certain cities and regions experience surplus housing and are therefore considered buyerís markets.

What you might be able to control

One factor in the amount of time it takes for your home to sell that you have some control over is when you put it on the market. A new study has found that the best time to sell a home is early March to late April, depending on your geographic location.

For you, this means ensuring that your home is ready to be listed by the end of January. That means you wonít want to delay in getting outdoor issues taken care of before winter arrives if you live in a colder climate. Itís much easier to work on roofs and driveways or septic systems before temperatures reach freezing.

What you can absolutely control

Now that weíve talked about those details which are out of your hands, letís talk about what you can do now to increase the likelihood of your home selling when you need it to.

First, be sure to price your home accurately. Any time that your house sits on the market with an inflated price is time wasted.

Next, stay on track with home improvements and upgrades that will increase the interior appeal and curb appeal of your home. That means fresh coats of neutral paint, a lot of cleaning and decluttering, and some appropriate landscaping. Itís important to remember, however, that some upgrades arenít very cost-effective, so be sure to do your research before taking on big home improvement projects.

Right before you put your home on the market, take the time to stage the home and take great photos. Cell phone pictures of a dirty house with poor lighting wonít do you any favors. If you know a photographer, enlist their help for the day to make sure your photos stand out on listing websites.

If you follow these tips and remain consistent in communicating with your real estate agent, thereís no reason you shouldnít sell your home within the timeframe needed for you and your family.







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