TLC Real Estate



Posted by TLC Real Estate on 3/15/2019

Your first week in your new home is an exciting time. Itís also a very busy one. There is just so much to do to get everything in order and settled in! Some things are more important to get done this first week than others. On the other hand, there are tasks youíll be glad you completed your first week instead of putting them off.

Hereís your guide to your first week in your new home.

Start by opening new accounts for all of your utilities as soon as possible. These are the non-negotiables you simply canít live without. These utilities include things like:

  • Electricity

  • Gas

  • Water

  • Sewer

  • Trash

  • Internet, phone and cable/satellite

Youíll want to rekey all of the locks of your new home. You never know who has a key to the current locks. While you are having the locks rekeyed be sure to have extras made as well. Give backups to friends and family that you trust and consider getting a safe box for a spare key should you lock yourself out.  

Plan to deep clean before you begin unpacking and settling in. Wipe down walls, mop floors, dust every cranny and hire a carpet cleaner. If you plan on repainting do it while the rooms are still (mostly) empty. You will only have to move furniture once and it will be easier to clean up afterward.  

Refer to your inspector report for maintenance tasks. Plan them out by making necessary arrangements. Hire professionals, schedule out weekend projects and purchase necessary supplies. If this is your first house youíll want to purchase equipment to take care of your new yard. Especially items like a lawnmower, hose and gardening tools.

Change your address on important accounts such as bank accounts, credit cards, health insurance, memberships, subscriptions and workplace benefits. Hopefully, youíve already put in your change of address with the post office. However, this is only for a few months which is why itís important to make these changes now.

Locate all of your shut off valves in case of emergency. Know where the main shut off valves are as well as the minor ones. Familiarize yourself with your circuit breaker and make sure that it is appropriately labeled. Now is a great time to come up with an emergency plan and course of action for your family in case anything should happen.

The first week in a new home can feel very hectic. There is just so much to do in such a small amount of time! However, there are always tasks that need to take priority. Use this guide for your first week in your new home to get everything in order with the least amount of friction during the process.




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Posted by TLC Real Estate on 3/8/2019

We all know that buying a home is expensive. For first-time buyers who donít have the luxury of equity for a down payment, it can be difficult to find a way to finance your home without taking on a huge interest rate and mortgage insurance.

Fortunately, loan programs like those offered by the U.S. Veterans Affairs can be a godsend. However, there is a great deal of confusion around who is eligible for VA loans and how to acquire them.

So, in todayís post, weíre going to cover some of the frequently asked questions of VA loans. That way, you can feel confident in knowing whether or not itís a good financing option for you and your family.

VA Loans FAQ

Who is eligible for a VA Loan?

VA loans arenít just for veterans. Most members of the military, including Reserve and National Guard members can apply. Additionally, spouses of service members who died from a service-related disability and those who died on active duty can apply as well.

How long do you have to service to be eligible?

The VA defines eligibility as having served no less than 90 days of service during wartime and 181 days of continuous service during peacetime.

Who are VA Loans offered by?

Like any other loan, VA loans are offered by private lenders. The difference is that VA loans are guaranteed by the government. That means that the federal government takes on some of the risk of lending to you, therefore making it possible to secure a loan with little or no down payment.

Should I make a down payment on a VA loan?

If you have the means, making a down payment will almost certainly save you money in the long run. If you can put down 10% of your total mortgage amount, you can also significantly reduce the VA Funding Fee.

Will I have to pay private mortgage insurance?

Private mortgage insurance (PMI) is something that borrowers pay on top of their mortgage payments and interest. This additional insurance helps borrowers buy a home with a small down payment. VA loans allow you to secure a mortgage without PMI.

Are VA loans different for active duty, National Guard, and Army Reserve members?

Each type of service member is eligible for a VA loan. However, there are some minor differences regarding the VA Funding Fee. With no down payment, an active duty member would pay 2.15% of the loan amount in fees. National Guard and Army Reserve members pay around 2.40% with no down payment.

What does my credit score need to be to get a VA loan?

The VA doesnít have a set minimum credit score. However, the private lenders that offer the loan do. On average, the lowest credit score that you can secure a VA loan with is around 620. That being said, a higher score will secure you a lower interest rate, saving you money over the lifetime of your loan.




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Posted by TLC Real Estate on 3/1/2019

Did you know that your front door says a lot about you and your familyís personality? It can also affect how you feel about your home. After a long day of work, school and/or shuffling the kids around to practice what type of home would you like to come home to? Keep reading to learn what your current door says about you and which colors would better suit your family.

Blue

A blue front door represents a traditional, family-centered home. Your abode is a peaceful, serene place to return to after a day of work and feels like a place of refuge to visitors.  

Best for: South East, North facing front doors

White/Gray

A white front door represents a tidy and classic atmosphere within. Those who choose this door color are neat, minimalist and strongly value knowledge.

Best for: North West and West facing front doors

Red

A red front door can be found on a house whose inhabitants lean towards the elegant and charming. This is the home of a family that loves to entertain. Visitors will expect a vibrant, energetic, and exciting reception.

Best for: South, North East and South West facing front doors

Green

Homey and welcoming a green front door practically invites guests in itself. And when they come theyíll be ready for a social, warm home where they can be at ease.

Best for: South, East South, and South East facing front doors

Brown

A brown front door represents stability and warmth. Guests will feel like they are in a refuge from the chaotic world.

Best for: East and South East facing front doors

Yellow

Those with a yellow front door like to stand out from the crowd, but still, like to be a part of it. Always cheerful and happy go lucky visitors will never leave your home without a smile on their face.  

Best for: North East, North West, South and South West facing front doors

Pink

A pink front door is for hopeless romantics. Sophisticated yet eccentric the family in this home has big hearts and is always there with a tissue for a friend who is feeling down.

Best for: South, North East and South West facing front doors

Black

If black is your color of choice for your front door youíre calendar is packed with people to see and places to be. Chic and world wise you are always the center of a riveting conversation.

Best for: South East and North facing front doors

Turquoise

Laid back and relaxed is the name of the game for a family with this color for their front door. When inside their home you never feel as if you need a vacation from life.

Best for: North facing front doors

Orange

An orange front door isnít for just anyone. This home is modern, sleek, and curated. Guests love visiting because of this familyís spontaneous nature.

Best for: South, North East and South West facing front doors

Whether you opt for a more classic color and a more offbeat one, the front door to your home is the first impression friends, family and neighbors have of your new home. Choosing a color, whether classic or quirky, that best aligns with the message you want to give to new visitors and the overall ambiance you want to create will guarantee a unique reception to your home.




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Posted by TLC Real Estate on 2/22/2019


155 George Washington Blvd, Hull, MA 02045

Condo

$274,000
Price

4
Rooms
2
Beds
2
Baths
TWENTY THOUSAND DOLLAR PRICE BREAK! MOTIVATED SELLER! Spectacular water views from every window from this fifth floor 2 bedroom unit! Steamboat Wharf & Paragon Carousel are perfectly framed by your picture window. This unit features a white and bright kitchen with breakfast bar that opens to a spacious dining/living room. The spacious, bright master bedroom offers more spectacular views, two large closets, and a master bath with shower stall. Additional bedroom, bathroom with shower/tub combo, and an in-unit washer/dryer. Building amenities include professional off-site management, outdoor pool, fitness room with sauna, club room, and locked storage. Short stroll to all that Hull has to offer such as Nantasket Beach, Steamship Wharf, and many excellent restaurants. Short drive to both commuter rail and ferry to Boston.
Open House
Sunday
February 24 at 1:00 PM to 3:00 PM
Cannot make the Open Houses?
Location: 155 George Washington Blvd, Hull, MA 02045    Get Directions

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Tags: Real Estate   Open House   Condo   Hull   02045  
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Posted by TLC Real Estate on 2/22/2019

Completing a successful homebuying journey may be difficult, especially for those who do not plan ahead. In fact, high-pressure situations may arise that lead you to make rash homebuying decisions. And if you make the wrong choices, you risk paying an exorbitant price to acquire your dream residence.

There is no reason to let high-pressure situations cause you to make poor decisions throughout the homebuying journey. Now, let's take a look at three tips to help you map out your homebuying journey so you know exactly how to handle any high-pressure situations that come your way.

1. Maintain Flexibility

A high-pressure homebuying situation may make you feel like you are backed into a corner. However, it is important to remember that options are always available. And if you take a deep breath and step back and review a high-pressure homebuying situation closely, you can determine the best course of action.

Those who maintain flexibility as they try to acquire their dream home may be better equipped than others to handle high-pressure homebuying situations. Because if you maintain flexibility throughout the homebuying journey, you can take an objective view of the options at your disposal and proceed accordingly.

2. Establish a Budget

A budget generally is helpful, particularly for those who want to acquire a terrific home as quickly as possible. If you have a budget in hand, you'll know exactly how much you can spend on a home. Then, if you face pressure to increase your offer to purchase your dream residence, you'll know whether you have the financing available to do so.

Keep in mind that the costs associated with purchasing a home extend beyond the price of a house itself, too. As you establish a budget, you'll need to account for closing, appraisal and inspection expenses and various other fees in addition to the cost of a house itself.

3. Work with a Real Estate Agent

A real estate agent can take the guesswork out of buying a house. He or she also will go above and beyond the call of duty to alleviate stress and ensure you can proceed with confidence as you pursue your ideal residence.

Let's not forget about the guidance that a real estate agent provides when you're ready to submit an offer to purchase your dream home, either. At this point, a real estate agent will help you craft a competitive offer to purchase your ideal house. He or she next will submit this offer to a seller on your behalf and negotiate with the seller as needed. If you and a seller come to terms on a home purchase agreement, a real estate agent will help you close on your dream home as well.

For those who want to simplify the homebuying journey, it helps to prepare. Thanks to the aforementioned tips, you can get ready for high-pressure homebuying situations and speed up the process of acquiring your dream residence.




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