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 10/9/2017

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 Ė and monthly mortgage costs Ė 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.





Posted by Deborah Byrne on 9/18/2017

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 Deborah Byrne on 9/11/2017

Many sellers arenít sure how to give a positive spin to their small backyard. We imagine that most homeowners want a large expanse of green with various types of trees and maybe even room for a vegetable garden.

However, there are ways to make a small yard a good thing. After all, less yard means less grass to mow and water and worry over when drought hits.

In this article, weíre going to give you some tips on making your tiny yard appealing to buyers.

Decorate wisely

Making an area seem more spacious is often a matter of smart decorating. Just like you can make a room appear bigger with bright colors and mirrors, you can make a yard appear bigger with proper landscaping and outdoor furniture.

When it comes to patio furniture, keep it simple. You donít need a massive set of furniture in a small yard, and filling your yard up with chairs will make it feel crowded.

Choose a few well-placed decorations for your yard, and keep it simple.

Container gardening

A good way to make a small yard feel more in touch with nature is to plant in containers. Sticking to a central theme with your plants will give the yard a sense of continuity and simplicity that will make it feel welcoming.

Container gardening is also a good option for people who live in arid areas prone to drought. You can choose drought resistant plants that are easy to maintain.

Landscaping is key

You know how a cluttered and messy bedroom feels small and unwelcoming? The same is true for a cluttered and unkempt backyard. Cutting the grass and trimming the trees and hedges will go a long way. However, also remember to not use your backyard as a storage space. Tools and equipment that arenít put away will make the yard feel even smaller than it already is.

Set a focal point

Small backyards donít need a lot of features and amenities. One key area is enough to satisfy the eye. Rather than choosing several small decorations, stick to one thing. Whether itís a small box garden, a fireplace, or a well-placed tree, drawing the eye is one way to distract from the size of the space.

Small is a style

The last important thing to keep in mind is that houses with small backyards are usually found in locations where small backyards are expected. You wouldnít dream of finding a large backyard behind a class brownstone in Brooklyn, and as a result, the small backyards of those builds have taken on a charm of their own.

If you arenít sure about how to incorporate landscaping and decorations in your tiny backyard, look up some inspiration online for urban backyards that match the style of your home. This will attract buyers who are already looking for something that your home already has--character.







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