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Posted by Tina Bilazarian, Inc on 11/16/2017

Buying a home is one of the most expensive undertakings that youíll ever have in your lifetime. You probably have spent months upon months saving for a downpayment in order to make your home purchase. The problem is that after they believe their savings are complete, many buyers discover unexpected costs that go along with buying a home, making the entire process even more stressful. You should be prepared for many different kinds of costs that go beyond the sticker price of a home. Below, many of those surprising costs are laid out in detail. 


Closing Costs


Closing costs can be anywhere from 2-7% of the purchase price of a home. Closing costs cover quite a bit including:


  • Inspection fees
  • Appraisal
  • Title insurance
  • Property taxes
  • Mortgage insurance
  • Underwriting fees
  • Recording fees
  • Loan origination fees

Depending upon the type of loan you get or your specific circumstances, your closing costs could be even more. Keep in mind that you wonít find out your specific closing cost amounts until the purchase of the home is well underway. You can talk to your realtor and lender ahead of time to be prepared for your own situation.


Closing costs are also negotiable, so donít forget to ask questions. Certain administrative fees, for example, are often unnecessary and can be waived.  


Low Appraisals


If you have a low appraisal on your home, you may need even more cash on hand. In order to meet loan and home value requirements, lenders wonít approve a loan for an amount thatís higher than the home is appraised for. In this case, if you still want the home, youíll be left to come up with the difference in cash. Otherwise, you could be forced to walk away from the deal and lose some money in the process. This is one of those home purchase emergencies that you should simply be aware of. It can be an emotional experience to get a low appraisal on a home, but remember that there are sensible ways to deal with this dilemma.       


Moving Expenses


Many buyers forget in the excitement of buying a home just how much it will cost to move. Whether you hire a moving company or do it yourself, moving can be expensive. Youíll need a truck, packing supplies and a way to pay (or simply thank) the people who help you to move. 


The Things You Need For Your Home


Your home wonít come with everything that you need. You may have to buy a refrigerator, have some repairs done, or simply get furnishings for the home. Donít strap your budget so thin that you wonít be able to buy a sofa until six months after moving into the home.   




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Posted by Tina Bilazarian, Inc on 11/9/2017

Utility bills are the second most costly expense for many homeowners, second only to a mortgage. Unlike your mortgage, monthly utility bills fluctuate, rising and falling several hundred dollars a month between hot and cold seasons. Take steps to lower your home utility costs to raise your personal savings and have money to cover housing maintenance and repairs.

Small changes that turn into utility bill savings

Included among utility bills are water, sewage, trash, electric and gas services. Some jurisdictions consider telephone bills to be utility bills as well. Even in mild climates, a 1500 square foot house can use $100 a month in electricity alone.

Own a house that operates mostly off gas and you're gas bill may easily outpace your electric bill. The one area where utility bills can rise, whether your house operates mostly off of electricity or gas, regards hot water. Which leads into the first easy action that can reduce your utility bill.

Turn the temperature down on your hot water heater. You'll need to mark the current temperature setting on your hot water heater. Then, mark where you want to set the lower temperature. Measure the adjusted temperature. To save on your utility bill, you can also turn your water heater off when you're away from home for a day or longer.

Contact your utility company and schedule a review of your home. An experienced representative will come to your home and find leaks and worn filters. The representative will let you know if any appliances need to be replaced.

Keep utility bill savings going

Switch air conditioners and heaters off when you leave home for work. Use floor and ceiling fans when it's not especially hot outside. After several days, your body's internal thermostat may adjust, making it easier for you to get comfortable without turning on the air conditioner.

Close doors to rooms that you're not using. This includes the door to your attached garage.To keep more heat inside your home, open blinds and drapes. When it's hot outside, keep blinds and drapes partially closed. Also, seal windows and doors. Adding more insulation to walls and ceilings is another way to keep heat inside your home when it's cold outside.

Easiest of all the ways to save money on utility bills may be to turn water off while you shave and brush your teeth. Washing your vehicle at a public car wash saves on water. Close the freezer and the refrigerator while you're cooking. Flush the toilet after you relieve yourself, but avoid using the toilet as a trash receptacle. Each toilet flush uses approximately 1.6 gallons of water. Older toilets can use more than three times that amount with each flush.

Save $5 to$10 off each utility and you could pocket $30 or more a month. Cut back on utility usage even more and you might discover that you can do without one or more utilities. Instead of using the savings to take on new debt, invest in your future. Shift money that you save on your utility bill onto retirement accounts and bank savings.




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Posted by Tina Bilazarian, Inc on 11/2/2017

Looking For Privacy? Beautiful Custom Built 3 Bedroom Colonial Sits On 5 Acres Surrounded By Nature & Set Back Off The Road. Hardwood Floors Throughout. Front To Back Living Room With Picture Windows Overlooking Backyard. High Efficiency Fireplace Insert With a 12 Inch Cook Top Designed To Heat A 2000 Sq. Ft. Home. Corner Wall Mount TV Power & Cable Box Ready. New Hunter Ceiling Fans Throughout Home. Open Kitchen With Half Wall And Breakfast Bar Overlooks Dining Rm, Ceramic Tile Floors, Double Convection Oven, Microwave W/ Convection Capability, Appliances Are Only 3 Years Old, Access To Large Deck Overlooking Gazebo & Woods. Master Bedroom W/ Walk-in Closet, Full Bath, Tiled Floor, Corian Vanity & Linen Closet. Amazing 2 Car Detached Garage With 12 Ft Ceilings, Ideal For Car Enthusiast, 200 AMPS Electrical Service & Separate Workshop. Enjoy The Farmers Porch These Fall Days In Peace & Quiet...Country Living At Its Best! Easy Access To Rte 9, Open House Saturday, Nov. 4th 12PM - 2PM

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Posted by Tina Bilazarian, Inc on 11/2/2017

As you prepare to embark on the homebuying process, you may encounter a variety of homebuying myths. And if you believe these myths, the risk increases that you may be forced to deal with many problems along the homebuying journey.

Now, let's take a look at three common homebuying myths, along with the problems associated with these myths.

1. Buying a house is a quick, stress-free process.

The homebuying process may prove to be long and arduous, particularly for a first-time homebuyer. Fortunately, real estate agents are available to help you simplify the process of acquiring a top-notch residence at a budget-friendly price.

A real estate agent understands the challenges associated with buying a house. As such, he or she can help you identify and address these problems before they escalate.

Typically, a real estate agent will learn about what you want to find in your dream house and help you plan accordingly. With this approach, a real estate agent will ensure that you can enjoy a fast, worry-free homebuying experience.

2. Getting a mortgage won't take long at all.

There are many factors that will dictate your ability to acquire a mortgage that matches or exceeds your expectations. For instance, your credit score, income and outstanding debt will impact a lender's decision to provide you with a mortgage. And if you have experienced financial problems in the past, they may impact your ability to acquire a mortgage today.

It generally helps to get pre-approved for a mortgage before you enter the housing market. Because if you have a mortgage in hand, you can narrow your house search.

Also, it may be beneficial to shop around for a mortgage from several banks and credit unions. If you explore all of the mortgage options at your disposal, you can select a mortgage that suits your finances perfectly.

3. The first home that you see in-person likely will be the house that you'll end up purchasing.

The homebuying process offers no guarantees. And if you expect to buy the first home that you view in-person, you ultimately may be disappointed with the final results of your home search.

Oftentimes, it is a great idea to check out a wide range of houses. By conducting an in-depth home search, you can select a house that fulfills all of your homebuying demands.

As you search for a home, you may want to work with a real estate agent too. This housing market professional can set up home showings and keep you up to date about open house events.

Furthermore, a real estate agent is happy to provide homebuying recommendations and suggestions. He or she will do whatever it takes to help you find a terrific residence, as well as negotiate with a seller's agent on your behalf to ensure you won't have to pay too much to acquire your ideal house.

The aforementioned myths can be harmful to any homebuyer, at any time. If you hire a real estate agent, however, you can learn the ins and outs of the housing market and avoid potential hurdles throughout the homebuying journey.




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Posted by Tina Bilazarian, Inc on 10/31/2017

SHREWSBURY - Viewings begin at Open House. - November 5. 12-1:30. Tanglewood Dr. Waiting for a home to move into with extensive updates in desirable area? This is the home for you! Fireplaced living room open to formal dining room. Recent young kitchen featuring granite counters, stainless Pro Jennair appliances, dining bar. Sliders to screened porch. Updated baths. Master bedroom, 14x24, featuring vaulted ceiling, built ins, sliders to office, laundry and private yard. Lower level features bedroom,tiled fireplaced family room plus excercise room and expansive bath. Garage. Don't miss this low maintenance home- ready for immediate occupancy. Quick access to major routes.

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