Marilyn Ellis, CBR, CHMS, LMS, HAFA
Leading Edge Real Estate | 781-944-6060 | yourconciergerealtor@gmail.com


Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 7/12/2018

Entering the real estate market and buying your dream home may seem simple at first. However, problems may arise that make it tough to secure your ideal house at a price that matches your budget.

When it comes to finding the right home at the right price, it helps to prepare. Fortunately, we're here to help you get ready to enter the housing market and ensure you can quickly and effortlessly discover your dream residence.

Now, let's take a look at three tips to simplify the homebuying process.

1. Create Homebuying Criteria

Purchasing a house is rarely easy, particularly for a property buyer who has no idea how to kick off a home search. But if you establish homebuying criteria, you can speed up the process of going from homebuyer to homeowner.

Allocating time and resources to create homebuying criteria is essential because it forces you to consider where you want to live and what amenities you want to find in your dream residence. Plus, once you have homebuying criteria at your disposal, you can start your home search and move one step closer to acquiring your ideal residence.

2. Obtain Home Financing

Home financing is paramount, particularly for property buyers who want to avoid the risk of spending too much to purchase a house. Thankfully, banks and credit unions can teach you about a variety of mortgage options and help you secure the financing you need to buy a home.

Typically, a lender will meet with you and outline your mortgage options. It also will explain the differences between fixed- and adjustable-rate mortgages and respond to any of your mortgage concerns and questions. Then, after you review your mortgage options, a lender will help you make an informed home financing decision.

Don't wait to get home financing, either. If you have home financing in hand when you launch a home search, you may be better equipped than other buyers to quickly submit an offer to purchase a home.

3. Work with a Real Estate Agent

For those who want to avoid challenges throughout the homebuying journey, it generally is a good idea to collaborate with a real estate agent. In fact, a real estate agent will do everything possible to help you identify and resolve homebuying problems before they escalate.

A real estate agent is a housing market expert and is happy to assist you as you proceed along the homebuying journey. If you are interested in houses in specific cities and towns, a real estate agent will keep you up to date about residences that become available in these areas. Or, if you want to submit an offer to purchase a house, a real estate agent will help you put together a competitive homebuying proposal. Best of all, if you have homebuying concerns, a real estate agent will address them right away.

Ultimately, buying a house can be easy. Use the aforementioned tips, and you can streamline the homebuying cycle.




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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 4/5/2018

Looking to move out of a big city? Relocate to a small town, and you can enjoy the simple joys of small town life.

Many people prefer the small town lifestyle, and for good reason. In a small town, you won't have to worry about excess traffic or noise. Plus, many homes are available in small towns nationwide, ensuring you should have no trouble discovering a wonderful residence without having to worry about breaking your budget.

Kick off your search for a small town home today – here are three tips to help you secure a terrific small town house.

1. Study the Local Housing Market Closely

What are you looking for in a small town home? Ultimately, you'll want to consider exactly what you'd like to find in a small town house before you conduct your search for the ideal residence.

Creating a checklist of must-haves is essential. With this list, you'll be able to examine available homes in a small town and narrow your search accordingly.

Also, don't forget to examine the prices of recently sold houses in a small town. This housing market data will enable you to differentiate between a seller's market and a buyer's market.

2. Get Financing Before You Start Your Home Search

Can you afford a small town home? It all depends on the financing at your disposal.

Meet with several banks and credit unions to explore your mortgage options. That way, you can learn about fixed- and adjustable-rate mortgages and obtain financing.

If you ever have concerns or questions about home financing, be sure to ask a lender for assistance.

Remember, banks and credit unions employ mortgage professionals who are happy to help you in any way they can. These mortgage experts can teach you about different types of mortgage and offer personalized mortgage recommendations, ensuring you can get the financing you need to make your homeownership dreams come true.

3. Collaborate with an Experienced Real Estate Agent

When it comes to the real estate market, it is always better to err on the side of caution. Fortunately, real estate agents are available in small towns and big cities alike and will do whatever it takes to help you find a great house.

Hiring an experienced real estate agent who understands the properties that are currently available in a small town is vital. This real estate professional will offer tips throughout the homebuying process, guaranteeing that you can make informed decisions at every stage.

Perhaps best of all, an experienced real estate agent will take the guesswork out of buying a small town home. He or she will set up home showings and open houses, keep you up to date about new properties as they become available and negotiate with home sellers on your behalf. As a result, this real estate professional will streamline the process of going from homebuyer to homeowner.

Take the next step to acquire a home in a small town – use these homebuying tips, and you can locate a small town home that can serve you well for years to come.




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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 3/15/2018

If you want to buy your dream house in the near future, you likely will need to put together a competitive offer to purchase. That way, you can boost the likelihood of receiving an immediate "Yes" from a property seller after you submit your homebuying proposal.

Ultimately, it helps to know what differentiates a competitive homebuying proposal from a lowball one. If a homebuyer understands what to offer for a residence, he or she should have no trouble purchasing the right residence at the right price.

To better understand how to acquire your dream house at the lowest-possible price, let's take a look at three tips to help you determine what to offer for a residence.

1. Study the Housing Market Closely

The housing market experiences ebbs and flows. Therefore, a real estate sector that favors homebuyers one day may favor home sellers the next. And if you fail to learn about the current state of the real estate market, you may struggle to put together a competitive offer to purchase your ideal residence.

Analyze the prices of available houses in your area, the prices of recently sold houses in your preferred cities and towns and other housing market data. With this information in hand, you can find out whether you're operating in a buyer's or seller's market. Then, you can craft an offer to purchase your dream residence that accounts for the present state of the real estate market.

2. Weigh the Pros and Cons of Your Dream Home

No house is perfect, and even your dream home may have its fair share of flaws. Fortunately, a homebuyer who assesses the pros and cons of a house may be better equipped than ever before to submit a competitive offer to purchase this residence.

If you view a house multiple times, you can learn about all aspects of this home and assess any property damage. After you obtain these home insights, you can create a competitive offer to purchase that accounts for the house's current condition.

3. Collaborate with a Real Estate Agent

When it comes to purchasing a house at a price that matches your expectations, it generally is beneficial to work with a real estate agent. This housing market professional will do everything possible to help you buy your dream home at a price that fits your budget.

A real estate agent understands the ins and outs of the real estate sector and can help you map out a successful homebuying strategy. He or she first will offer insights into available homes in your preferred cities and towns. Next, when you find your dream residence, a real estate agent will help you craft a competitive homebuying proposal. And if your offer to purchase is accepted, a real estate agent will make it easy to navigate the final steps of the homebuying journey.

Ready to streamline your quest for your ideal house? Use the aforementioned tips, and you can improve your chances of acquiring your dream home at a price that you can afford.




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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 2/8/2018

Ready to buy a condo? With help from an expert real estate agent, you can make your condo ownership dreams come true.

An expert real estate agent will go the extra mile to ensure you can purchase a top-notch condo at an unbeatable price. In addition, this real estate professional will make it easy to discover a superior condo without delay.

Ultimately, an expert real estate agent can make a world of difference during a condo search. But it is important to note that there are many factors to consider as you evaluate a real estate agentl.

Key factors that a condo buyer should consider when he or she assesses a real estate agent include:

1. Industry Experience

How many years has a real estate agent worked with condo buyers? Has a real estate agent been successful in his or her efforts to help condo buyers? And how will this housing market professional handle difficult negotiations with a condo seller? These are some of the questions to consider as you examine a real estate agent's industry experience.

When it comes to assessing a real estate agent, industry experience is key. A real estate professional who understands the ins and outs of buying a condo should have no trouble helping you purchase a superb property that matches or exceeds your expectations.

2. Communication Skills

How a real estate agent communicates with his or her clients says a lot about this professional.

If a real estate agent strives to stay in touch with clients via text, phone and email, this housing market professional likely will be able to keep a condo buyer informed at each stage of the property buying cycle.

On the other hand, a real estate agent who fails to prioritize effective communication may struggle to help a condo buyer. This housing market professional may be unavailable if a condo buyer has concerns or questions. As a result, a condo buyer is unlikely to get the support that he or she needs to make an informed property buying decision.

Meeting directly with a real estate agent can give you a better idea about his or her communication skills. If you feel comfortable with a real estate agent after a face-to-face discussion, you may want to consider moving forward with this housing market professional.

3. Client Referrals

What are previous condo buyers saying about a real estate agent? Request client referrals from a real estate agent, and you can find out how he or she has supported condo buyers in the past.

Client referrals enable you to understand what it's like to work with a real estate agent and can provide you with insights that you may struggle to obtain elsewhere. Moreover, client referrals can help you accelerate the process of choosing the right real estate agent to guide you along the condo buying journey.

For condo buyers, there is no need to worry as you prepare to enter the housing market. Instead, use these tips, and you can find a first-rate real estate agent who will ensure you can purchase your dream condo.




Tags: buyer tips   Buying a home   Condo  
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Posted by Marilyn Ellis, CBR, CHMS, LMS, HAFA on 2/1/2018

Tired of renting an apartment? Buy a house, and you can reap the benefits of homeownership for years to come.

Ultimately, there are many wonderful reasons to start a search for your dream home today, including:

1. You can enjoy the freedom of owning your own residence.

Let's face it – nothing beats the freedom of owning your own residence, and perhaps it is easy to understand why.

If you launch a search for your own house, you can find a residence that matches your personality and budget. Plus, you can always decorate and customize your house however you choose. And if you complete myriad home upgrades or maintenance, you may be able to boost your house's value – something that may prove to be important if you eventually decide to sell your residence.

2. You can capitalize on various tax benefits.

Believe it or not, buying a house may enable you to reap myriad tax benefits.

The U.S. Tax Code allows homeowners to deduct the interest paid on a mortgage and property taxes. Also, if you study the U.S. Tax Code closely, you may find that you can deduct some of the costs involved in a home purchase.

3. You can pay predictable housing costs for a set period of time.

With a fixed-rate mortgage in hand, you can pay the same amount each month for the duration of your mortgage. This means you won't have to worry about fluctuating housing costs; instead, you'll pay the same total each month – without exception.

Of course, homebuyers who choose an adjustable-rate mortgage can enjoy fixed housing costs for a set amount of time too. On the other hand, those who select an adjustable-rate mortgage likely will need to plan ahead for a potential increase in mortgage costs after three, five, seven or 10 years.

Clearly, there's a lot to like about buying a house. For those who want to enter the housing market today, it certainly helps to work with an experienced real estate agent as well.

A real estate agent allows you to take the guesswork out of pursuing a residence in any housing market, at any time. In fact, this housing market professional will ensure you can streamline the process of going from homebuyer to homeowner.

In most instances, a real estate agent will keep you up to date about new houses as they become available, teach you about the ins and outs of shopping for a residence and set up home showings. Furthermore, a real estate agent will negotiate with home sellers on your behalf, guaranteeing that you can get the best price on any house.

Perhaps best of all, a real estate agent is available to respond to any homebuying concerns or queries. This means you can get the expert insights that you need to make informed decisions at each stage of the homebuying journey.

Take the next step to pursue your dream residence – employ an experienced real estate agent, and you should have no trouble transforming your homeownership dream into a reality.




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Marilyn Ellis, CBR, CHMS, LMS, HAFA