William Raveis Real Estate and Home Services



Posted by Deborah Schilling on 5/3/2018

If you plan to pursue a condo, it generally is a good idea to know exactly what to expect. That way, you can map out a successful condo buying journey, one that ensures you can avoid potential pitfalls along the way.

Ultimately, there are many factors to consider as you get ready to embark on the condo buying journey, and these include:

1. Where You Want to Live

The condos in a big city often are very different from those available in a small town. Thus, you should make a list of your condo must-haves prior to starting a condo search to boost the likelihood of a seamless condo buying experience.

Furthermore, think about where you want to live before you kick off your condo search – you'll be happy that you did. Because if you can narrow your condo search to properties in a group of cities or towns, you may be able to speed up your condo search.

2. Your Budget

If you intend to buy a condo, you'll likely need a mortgage. Thankfully, many banks and credit unions are available, and these lenders can teach you everything that you need to know to put together a successful budget.

Banks and credit unions employ friendly, knowledgeable mortgage specialists. If you connect with these mortgage specialists, you can learn about a variety of mortgage options and make an informed mortgage selection.

Also, don't forget to plan ahead for potential condo dues. Most condos provide lawn care, snow removal and other amenities that are covered under monthly or annual condo fees. Although these fees may not be included in your mortgage, you'll need to put aside funds each month to cover them. Therefore, you'll want to account for potential condo fees as you craft your condo buying budget.

3. Condo Living

Living in a condo and residing in a house are not the same thing. As such, you should try to prepare for condo living as much as possible to ensure that the condo lifestyle is right for you.

For example, condo owners typically won't have to worry about performing lawn care thanks to their condo fees. At the same time, condo owners will need to comply with various regulations established by a community's homeowner's association (HOA). In fact, failure to comply with HOA rules could result in fines or other penalties.

If you want to get a better understanding about what it's like to live in a particular condo community, it may be beneficial to consult with a real estate agent with condo buying expertise. This housing market expert can offer insights into different condo communities in your city or town. Then, if you want to pursue a condo in a specific community, a real estate agent can help you purchase your ideal condo.

Ready to take the guesswork out of buying a condo? Consider the aforementioned factors, and you can streamline the process of going from condo buyer to condo owner.




Tags: Condo   buyer tips  
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Posted by Deborah Schilling on 4/26/2018

According to recent data, allergies affect up to 30% of adults and 40% of children in the United States. Over-the-counter medications can provide some relief, but allergies persist and are a source of discomfort and annoyance for many of us.

One place we can all agree should be a place of comfort and relaxation is our homes. However, allergies are at their fiercest in most homes from dust, pets, pollen, or even mold.

In today’s post, we’re going to talk about some common household allergens and how to protect your home against them.

Safeguard your home against mold

Mold is gross at its best and dangerous at its worst. Caused by excess moisture, the most important thing you can do to prevent mold in your home is to identify areas that are at risk.

Bathrooms, basements, and around faucets are all prone to water damage and mold. Usually, the best intervention to take is to provide proper ventilation. A well-ventilated room dries out quicker and prevents mold from growing in the first place.

Many surfaces in your home, such as wood, drywall, paper, and cardboard are all susceptible to mold growth. Use a mold-inhibiting paint to prevent the mold from growing in the first place.

Prevent indoor pollen

Protecting your home from pollen is trickier than you might think. Most of us like to open doors and windows in the summer time to let fresh air in. The problem? We inadvertently let the pollen in as well.

There are a number of ways to decrease pollen inside of your home. Using HEPA complaint filters in your home and vacuum cleaner can help.

Vacuuming often and emptying the vacuum outside can also have an impact on reducing pollen indoors.

Defend against dust mites

Arguably the nastiest item on the list, dust mites feed on dead skin and love warm temperatures and moderate humidity. This makes the interior of your home the perfect place for dust mites to thrive.

Frequently washing your bedding, dusting your home, and vacuuming with a HEPA certified filter are among the best things you can do to help reduce dust mites in the home.

Protecting against pet allergies

The most important thing you can do to prevent pet allergies is to make sure you aren’t allergic to a pet before bringing them into your home. However, if an allergy does arise, it can often be managed with the use of air and vacuum filters and a strict cleaning regimen.

Some people who suffer mild pet allergies are able to cope with them by simply making their bedroom a no-pet zone and keeping up with cleaning.

Finally, keep in mind that outdoor pets can often bring in pollen from outside. So, when letting your pets in the home in the spring and summer time, try to give them a quick brush down.




Tags: allergies   owning a home  
Categories: Uncategorized  


Posted by Deborah Schilling on 4/19/2018

The Massachusetts Homestead Law is a very useful law that was put into place as a protection of homeowners’ property. The law may protect your home against the claims of creditors. The act applies to your home if: 

  • You live in the home or plan to live in it
  • You use the home or plan to use the home as your primary residence 

Things To Know About The Law


It does protect manufactured and mobile home

Homestead protection does not stop your home from being foreclosed on in the event that you don’t pay your mortgage


Declaration Of Homestead


You must declare that your property is a homestead property in the state of Massachusetts. This declaration will protect the equity value of your home from creditors. The equity of your home is what the “fair market value” of the home is. To calculate this value, find out what the value of your home is, then subtract all home equity loans, liens, and mortgages that you have against the house. The number that’s left is what the equity value of your home is.


When a Declaration Of Homestead is in place, you’re protected from creditors who would otherwise force you to use your equity so that you you can repay the debts that are owed. Without this protection, creditors can foreclose on your home. The only creditors that a Homestead does not protect you from are home loan companies, the IRS and legal child support obligations. 


When the loan for your home is in good standing and a Homestead is in place in Massachusetts, the following applies:


A creditor cannot auction your home if you, other owners of your home, any family members, or any family members who move into your home at a future date live there. This means that even in the event of your death, these people will all be protected from creditors taking value from the property while they are living on the property. 


Key Points


Any family members who have debts and are living in the house are also protected under the Homestead Act in Massachusetts. 


$125,000 is automatically protected. 

A Homestead Declaration needs to be filed for up to $500,000 of protection to be initiated.  


How A Declaration Of Homestead Is Filed


You’ll need to go to the Registry Of Deeds in the county where the property is located in Massachusetts to file a Declaration Of Homestead. The document will need to be notarized and there is a fee associated with filing. You may be asked if you’d like to file the Homestead Protection during the purchase agreement signing for your Massachusetts home. Note that if a lien was put on your property before the Homestead Declaration is filed, you are not protected.


Talk to your real estate attorney and realtor for more details and information on how to file a Homestead Declaration when you purchase your Massachusetts home.




Categories: Uncategorized  


Posted by Deborah Schilling on 4/11/2018

This Single-Family in Barnstable, MA recently sold for $329,900. This Ranch style home was sold by Deborah Schilling - William Raveis Real Estate and Home Services.


37 Sudbury Lane, Barnstable, MA 02601

Single-Family

$329,900
Price
$329,900
Sale Price

6
Rooms
3
Beds
2
Baths
Well maintained ranch in an established neighborhood. Original owners. Convenient location not far from beaches, shopping, restaurants, medical facilities and more. One floor living. Beautiful wood floors, updates in kitchen and baths. Gas fireplace. The great room addition is the perfect place to gather, cathedral ceilings, light and bright with slider to deck. Lovely well maintained yard with mature plantings and shed. Step on to your deck located right off the great room. New leaching field being installed. Garage and plenty of parking for guests. Always been a smoke and pet free home for those with allergies. Heating system 1997 and hot water tank replaced in 2011.

Similar Properties





Categories: Uncategorized  


Posted by Deborah Schilling on 4/11/2018

This Single-Family in Barnstable, MA recently sold for $329,900. This Ranch style home was sold by Deborah Schilling - William Raveis Real Estate and Home Services.


37 Sudbury Lane , Barnstable, MA 02601

Hyannis

Single-Family

$329,900
Price
$329,900
Sale Price

6
Total Rooms
3
Beds
2
Baths
Well maintained ranch in an established neighborhood. Original owners. Convenient location not far from beaches, shopping, restaurants, medical facilities and more. One floor living. Beautiful wood floors, updates in kitchen and baths. Gas fireplace. The great room addition is the perfect place to gather, cathedral ceilings, light and bright with slider to deck. Lovely well maintained yard with mature plantings and shed. Step on to your deck located right off the great room. New leaching field being installed. Garage and plenty of parking for guests. Always been a smoke and pet free home for those with allergies. Heating system replaced in 1997 and hot water tank 2011.

Similar Properties





Categories: Uncategorized  




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