RE/MAX Town & Country



Posted by Debra & John Blanchet on 10/3/2018

Purchasing a home should be fun, memorable process. However, many homebuyers struggle with fears as they embark on the process of acquiring their dream homes.

Some of the most common homebuying fears include:

1. I will pay too much for a house.

Overspending on a house is a common fear among homebuyers nationwide.

If you pay too much for a house, you may struggle to afford the monthly payments for the duration of your mortgage. Perhaps even worse, your house may lose value over time. And if you eventually decide to sell your home, you may be forced to accept less than what you initially paid for it.

Ultimately, an informed homebuyer will understand the differences between a buyer's market and a seller's one. He or she will be able to determine whether a home is affordably priced and proceed accordingly.

An informed homebuyer also will know the importance of getting pre-approved for a mortgage. With a mortgage in hand, this homebuyer will understand exactly how much that he or she can spend on a house.

2. I'll wait too long to submit an offer on a residence.

If a homebuyer is uncertain about buying a particular house and waits too long to submit an offer, he or she risks missing out on this residence altogether.

Fortunately, there is a simple way to avoid this problem.

A homebuyer who knows what he or she wants to find in a dream home can narrow a home search. Then, if the homebuyer discovers a home that matches or exceeds his or her expectations, this individual can submit an offer right away.

Don't forget to submit a competitive offer, i.e. one that accounts for the needs of both a homebuyer and home seller, as well. A competitive offer will stand out from other proposals and increase a property buyer's chances of securing his or her dream residence.

3. I'll buy a home that will fail to maintain its long-term value.

What you pay for a home today is unlikely to remain the same over the course of several weeks, months or years. But a homebuyer who employs an expert home inspector can learn about a house's strengths and weaknesses and ensure a property is a viable long-term investment.

A home inspector will conduct an assessment of a house after a property seller accepts a buyer's proposal. At this point, an inspector will examine a house's interior and exterior and identify any potential issues. Lastly, a home inspector will issue a report with his or her findings, and a homebuyer will have a final opportunity to modify or rescind an offer on a house.

For homebuyers, it is important to work with a trusted home inspector – you'll be glad you did. This home inspector will go above and beyond the call of duty to evaluate a house before you finalize a home purchase.

Working with an experienced real estate agent may benefit a homebuyer too. With a top-notch real estate agent at your side, you can get the support you need to acquire a first-rate home that will maintain its value both now and in the future.




Categories: Buying a Home   buying tips  


Posted by Debra & John Blanchet on 9/26/2018

Want to transform an ordinary garage sale into a successful one? Sell your electronics, and you can cut down on clutter, earn extra cash and speed up the home selling process.

If you plan to list your home in the near future, a garage sale offers a great opportunity to remove excess items from your house. Meanwhile, there are many electronics that you can sell to help stir up interest in your garage sale, and these include:

1. TV

You may be in no hurry to get rid of your big-screen TV. However, it is important to remember the time and energy it may take to move your TV from one home to another.

Ultimately, you may need to hire a moving company if you want to guarantee your TV can make it to a new address. And if you decide to move your TV on your own, you may struggle to do so due to its size and weight.

If you intend to sell your TV during your garage sale, you should learn as much as possible about this device. That way, you can establish a competitive price for your TV.

Also, if you have a TV remote or DVD player that complements your TV, you may want to consider selling these items at your garage sale.

2. Video Game Console

After spending many hours playing video games, now may prove to be the perfect time to sell your favorite video game console.

Many garage sale shoppers search far and wide for video game consoles, which means you may be able to generate plenty of interest in your video game system. In addition, if you own a "retro" video game console, you may be able to turn a significant profit from it.

If you sell a video game console during your yard sale, ensure the device works properly and includes all associated cables and wires. Furthermore, perform online research to understand the true value of your video game console to guarantee you can price it competitively.

3. Computer

An old computer may take up space in your house. Fortunately, a garage sale makes it simple to get rid of this device before you sell your residence.

When it comes to selling a computer, it is always better to err on the side of caution. Thus, you should clear your computer's hard drive to remove any sensitive information from the device altogether.

Moreover, if you own a printer, mouse or other items that complement your computer, it may be worthwhile to sell them as part of a package deal.

Selling your electronics at a garage sale may be one of the first steps to eliminate excess items from your residence prior to adding your home to the real estate market.

Lastly, if you need extra help with selling your home, you should collaborate with a real estate agent. By doing so, you can seamlessly navigate the home selling cycle and boost your chances of a profitable home sale.





Posted by Debra & John Blanchet on 9/19/2018

The U.S. Department of Agriculture (USDA) offers multiple housing assistance programs for people hoping to achieve home ownership.

In spite of being offered by the USDA, you don’t need to be a farmer or rancher of any kind to qualify for a home loan. Similarly, you don’t have to buy a home miles from civilization--many popular, thickly-settled suburbs across the country also qualify for USDA programs.

In this article, we’re going to explain the different programs offered by the USDA, how to check your eligibility, how to find out which locations qualify, and how to get started with a loan.

USDA Assistance Programs

The USDA offers two types of home loans for prospective buyers. The direct program, or Section 502 Direct Loan Program, is designed to help low-income persons to acquire safe, affordable housing. The assistance for this loan comes in the form of a subsidy that can be applied directly to the applicant’s mortgage, reducing monthly mortgage payments for a certain period of time.

Another type of home loan offered by the USDA is the Single Family Home Guarantee. Much like an FHA or first-time homeowner’s loan, this type of mortgage is insured by the government. As a result, buyers can often qualify for lower interest rates and smaller down payments from their lenders.

Guarantees may be applied towards the purchase, rebuilding, or building of a rural home as an incentive to developing rural areas. Later, we’ll talk about what is considered “rural.”

Outside of help with buying homes, the USDA also provides grants and loans for repairing and modernizing rural homes.

Who is eligible for USDA mortgage assistance?

In general, those applying for USDA assistance must meet certain criteria. Applicants must meet income eligibility, be a U.S. citizen or qualified noncitizen, and must purchase a qualifying property.

For the Direct loan program, applicants must be without safe or sanitary housing and be unable to secure housing through other means. Whereas for USDA guaranteed loans, applicants need only fall under the maximum income limit.

To find out if you’re eligible immediately, fill out an eligibility form from the USDA.

How do I know which houses qualify?

Generally speaking, homes located within large, metropolitan cities won’t qualify for USDA loans. However, suburbs just outside of some larger cities often do. For example, towns located just a half hour’s drive outside of Boston have a good chance of being eligible.

To view the map of property eligibility, simply fill out the online eligibility form.

How Do I Get Started?

If you’re seeking a direct loan, you’ll have to contact your local Rural Development office. Applications for a direct loan are accepted year-round and are awarded based on funding availability.

For people looking for a private loan guaranteed by the USDA, applicants should contact an approved lender in the area. The lender will then work with the USDA loan specialist in your state.




Tags: Mortgage   home loans   USDA Loans  
Categories: mortgage   home loans   USDA loans  


Posted by Debra & John Blanchet on 9/12/2018

There are plenty of ways to make your home more organized. Whether you have a large house or some problems with cramped spaces, your home has plenty of room to give. The key is that you just need to know how to use it. Read on for some tips on how to make the most of the space your home has to offer. 


Make Everything Easy To Find


The more accessible the things in your home are, the easier it will be to stay organized. If you have kids, this accessibility will be even more critical. Make sure that the items everyone uses daily have a place. Toy boxes, dressers for clothes, and places for coats and shoes are crucial for smooth organization. 


Find The Right Storage Container


You need to make sure that you have the right containers for the right things. Without these tools, organization becomes increasingly difficult. Shop around and do some research before you decide on exactly what you want to use to store things in. 


Organization Doesn’t Have To Be Ugly


It’s much easier to stay organized if you don’t mind looking at your home. The whole reason you want to stay organized is that the less chaos there is, the less stressed you feel. Organizers don’t need to be cold and regimented. Make sure that any organizing units match your color scheme and themes. 


Electronics Get In The Way


All of the gadgets we have these days can overtake our homes. Cords, phones, chargers, video game systems, and more can really take up space in a home. Anything that you frequently use should be in open top containers, so everything can be easily spotted. Anything that you use less often can be hidden behind closed doors or in a drawer. 


Think By Function


The easiest way to organize anything is to think about the functionality of items. If you make coffee every morning, for example, you may want to keep a coffee corner. You can keep coffee in the cabinet along with sugar or other essentials. In the drawer below where the coffee pot is placed on the counter, you can keep filters, stirrers, and more coffee essentials. If things are functional and flowing in your home, you’re getting close to organization nirvana!  


Declutter Often


If you have a daily routine to put things back where they came from, clutter will never overtake you! Simple things can help you to stay ahead of a big mess. Some idea for your routine can include:


Straightening furniture

Clearing countertops

Throwing away junk mail

Putting away shoes


All of these quick tasks can make a big difference on a daily basis over time! 




Categories: Cleaning   cleaning tips  


Posted by Debra & John Blanchet on 9/5/2018

This Single-Family in Providence, RI recently sold for $249,000. This cape style home was sold by Debra & John Blanchet - RE/MAX Town & Country.


39 Walton ST, Providence RI, 02908

Single-Family

$249,000
Price
$249,000
Sale Price

3
Beds Total
6
Numberof Rooms
2
Baths
Wonderful Three Bedroom, Two Bathroom Cape Located in Elmhurst. Features Include; Hardwood Floors, High Ceilings, Replacement Windows, Eat-in Kitchen, Formal Dining Room, Formal Living Room. Fenced Yard with a Two Car Garage. Call Today!

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Categories: Sold Homes  




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