Chris Werme and Mike Boland - ERA Key Realty Services - Westborough



Posted by Chris Werme and Mike Boland on 6/9/2020

Image by ErikaWittlieb from Pixabay

Preparing to list your home is a process, that when done correctly, can help you to achieve the best possible price as well as aid you in selling your home more quickly. Before you sell your home, there are a few small home improvement projects that you will want to have completed before your first showing. 

Address Any Floor Issues

Carpet stains, worn areas, scratched wood, and crack tiles, can all be a turn off for potential buyers. If you have a newer carpet, performing a deep clean may suffice, but if it is older and worn, you should consider replacing it. Tile flooring should be replaced if cracked and if in good enough condition to keep, take the time to thoroughly clean the grout to get your floors looking like new. For hardwood floors, consider having them refinished so that they can look like fresh again.

Update Your Home's Hardware

Door knobs, drawer pulls, cupboard handles, and hinges can easily make a house look dated. This is an easy upgrade that can be made and requires little labor. Choose more modern designs and finishes and make sure that the theme is consistent throughout the room in your home. 

Remove Popcorn Ceilings

If your ceilings are still covered in popcorn, now is the perfect time to be rid of it, to give your ceilings a more modern look. The good news with this improvement is that it will only cost you a little in ceiling paint and mainly requires time to complete. While scraping all of your ceilings may seem like a daunting task at first, you will be pleasantly surprised by how much it can change the look of the room.

Declutter Your Closets

Before you list our home, you will want it to seem as spacious, as organized, and as neat as possible. While most people know that closets are typically filled in most homes, when they are filled too much, it can make it hard to judge the available space. Declutter and get rid of anything that you no longer need. If your closets are still brimming, you may want to consider packing anything that you will not need until after your move and having it placed in storage. 

Address Minor Repairs

Now is the ideal time to address any minor repairs that you have been putting off. Fix any plumbing issues such as clogs and leaks, repair any damage to walls and door frames, and replace any burnt out light bulbs. You want buyers to know that the house is well-maintained. It will make them more confident that major problems are less likely. 

Tackle the small improvement projects above to get your home ready to list to help put you in the best position to get what you are looking for out of the sale of your home. 





Posted by Chris Werme and Mike Boland on 6/2/2020

It can be difficult to find the extra savings to put towards your first home as a renter. With rent and utility prices rising, most peopleís paychecks are leaving them with less and less savings at the end of the month.

Buying your first home, however, can be a great long-term financial decision. It will help you build equity, and, eventually, youíll be able to use that equity toward another home or toward retiring.

In todayís post, weíll talk about some of the ways to save for a down payment while renting an apartment.

How much to save

In order to make the most of your first home purchase, youíll want to save up as much of a down payment as possible. This will help you receive the lowest interest rate and reduce the amount youíll pay toward interest.

If you can manage to save 20% of the loan, youíll also be able to waive private mortgage insurance (PMI), that would otherwise set you back around $100 per month or more.

Smart ways to save while renting

If youíre ready to get serious about saving for your first down payment, letís talk about the best way to approach your savings plan.

Pay off small debts

If youíve had that lingering credit card debt that youíve never quite paid off, now is the time. Take a look at your current debts. Pay off the smaller balances first and focus on debt with the highest interest rate.

This will enable you to start making larger deposits toward your down payment savings sooner and can help you avoid needlessly paying interest on small loans and credit card debt.

Open a dedicated account or CD

The best way to make sure you contribute to your down payment savings plan is to open a savings account or take out a CD (certificate of deposit).

A savings account with a high-interest return is a good option for people who are worried that they may need to access their funds before theyíre ready to buy a home.

If youíre comfortable with not being able to access your funds until a set date, then a CD could help you save more money.

Since CDs are a one-time payment, many people choose to combine both CDs and high-interest savings accounts to achieve their savings goals.

Regardless of which option you choose, be sure to shop around for the highest interest rate. Online banks tend to have higher rates than traditional banks and are also easy to sign up for.

Direct deposit a portion of your pay

Opening a bank account or CD wonít do you any good if you donít commit to contributing to it. If you are paid via direct deposit, visit your HR office and ask them to reassign a portion of your weekly pay to your new account.

By following these tips, youíll be able to better prepare for your down payment. Donít  wait! The sooner you start saving, the sooner youíll be able to purchase your first home.





Posted by Chris Werme and Mike Boland on 5/28/2020


27 Edson Ave, Rutland, MA 01543

Single-Family

$299,900
Price

6
Rooms
3
Beds
1/1
Full/Half Baths
Pride of ownership certainly shows in this meticulously maintained 3 bedroom cape near the center of town. Gorgeous custom kitchen with recent cabinets, quartz countertops, hardwood flooring, SS appliances and farmhouse sink. The full bath was remodeled in 2019 with tile flooring and tub surround. 1st Floor master with 1/2 bath. Warm & inviting family room with fireplace. 2nd floor offers 2 nice size bedrooms. Interior freshly painted. Basement is partially finished and is heated. Beautifully landscaped level lot with 2 storage sheds, fire pit, stockade fence & wood deck. Come take a look. This home is loaded with upgrades and extras, inside and out. Triple pane windows with custom blinds, recent bulkhead stairs, oil tank, electric panel, roof, heating system... (See attached list of updates)
Open House
No scheduled Open Houses






Categories: New Homes  


Posted by Chris Werme and Mike Boland on 5/26/2020

Houseplants are a great way to make your home feel more comfortable, colorful, and--in the winter--to bring a bit of living nature back into your life until spring arrives.

There are houseplants that will thrive in just about any location of your home. Plus, you can find houseplants that are low-maintenance or ones that are a bit more rewarding as you care for them and watch them grow.

In todayís post, Iím going to list the best houseplants for each room of your home. Iíll cover ďimpossible to killĒ low-maintenance plants and some that require a bit more work. Iíll also cover large and small plants, as the size will often depend on the available space in the rooms of your home.

Read on for the list of the best houseplants for each room of your home.

Bedroom

The bedroom is a place for rest and relaxation. You donít want anything too high maintenance or too big and bright. Lavender gives off a calming scent that is perfect for your cozy sleeping space.

Lavender is relatively low-maintenance, just be sure to water sparsely in the winter time, and only when the soil has dried out completely to avoid root rot.

Lavender works in other rooms as well, such as on a kitchen windowsill where it can be used for cooking.

Bathroom

The bathroom tends to be a humid place without much spare room. A single aloe vera plant near a light source can be a great accent.

Extremely low maintenance and useful after a day out in the sun, the bathroom is a perfect home for aloe vera. Simply snap off a leaf and use the gel inside for your burn.

Office

There are a few choice places for plants in the home office. A large snake plant in the corner of the room is a great way to add some life and color. Similarly, a money tree is easy to care for and fun to watch grow as you braid its stem (and whatís a more fitting place for a money tree than the place where you make your money!?).

For the desk, a small cactus or succulent will do the trick, as you donít want it to take up too much room.

Living room

For the living room, we can finally start talking about some of the bigger houseplants on the list. A Norfolk Island Pine looks like a small pine tree (though it technically isnít one) and it can grow several feet high indoors. This is a great choice for homeowners in colder climates who donít want to fill their house with unfitting tropical looking plants.

Palm and Yucca, on the other hand, are perfect for homes in warmer climates. They can grow several feet high and fill up empty spaces in a large living room with ease. Thereís a reason these are used in so many hotel and office building lobbies--theyíre easy to care for and can grow large enough to fill the void in a big building.

Windowless rooms

Most plants will need at least indirect sunlight to stay healthy through the year. But, if you have a windowless room in your home that you want to brighten up with a houseplant you have options.

Dracaena, snake plants, and creeping fig all grow well in little to no light and are easy to take care of.  




Tags: decorating   houseplants  
Categories: Uncategorized  


Posted by Chris Werme and Mike Boland on 5/19/2020

Image by Andy Dean Photography from Shutterstock

In past housing markets, it was common for investors to flip houses. Unfortunately, when the housing bubble burst, many buyers couldn't update and sell the homes they'd bought. After a bit of a downturn, the trend has picked back up. However, savvy investors know that the housing market has much tighter margins than it has in the past. If youíre thinking about getting into the house-flipping game, consider the following tips as you get started.

Here are some tips to protect your potential investment:

  • Not every housing market is profitable: Many homes can be purchased, renovated, and potentially sold in every part of the country. But some locations do not have the sort of economic growth that makes property flipping viable. Know your market and local property values. Keep in touch with whatís happening in the community and be prepared with a plan B in case the home doesnít sell.

  • Do your homework. There are fewer deeply discounted homes available to investors. Plan to pay the full price in cash but arrange a contingency to have the home inspected. If the inspection reveals issues, especially with primary systems such as electrical and plumbing, walk away. Or, offer the seller a lower price to account for needed repairs, and potentially get a better deal. Anything revealed during the inspection that the seller did not fix your responsibility to repair or replace before you can flip the property.

  • Respect your margins. Unlike in reality shows the profit made from buying and selling a home is not as large as it appears. When you find undervalued homes, you need a cushion built-in for the rehab. If the difference between what you paid and the new selling price is insignificant, itís not a sound investment. Avoid purchasing property that requires thousands of dollars of repairs or upgrades. You'll end up with a lovely home, but little to no income to show from it.

  • Constantly monitor the inventory. Fewer homes on the market mean finding one with flip potential is more difficult. 

Seek help from a professional

Maintain a close relationship with your real estate professional so that when potential homes come on the market, youíre the first to hear. Your real estate professionals know the local market. They watch the trends and know who is buying, who is selling, and who is holding. They also know which repairs and upgrades are essential to make a quick sale. Let them guide you.




Categories: Uncategorized  




Tags