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Posted by Tina Bilazarian, Inc on 2/15/2018


11 Ardmore Rd, Worcester, MA 01609

Single-Family

$415,000
Price

8
Rooms
4
Beds
2/1
Full/Half Baths
West Side - HANCOCK HILL Neighborhood! It doesn't get any better than that! A lovely wide tree lined street will welcome you to a wonderful colonial with great updates on a deadend street! And the smartly landscaped spacious lot with stone walls, mature plantings, flagstone patio & pool with surrounding deck will accommodate all of your guests! As you enter, you will find a front-to-back LR with a FP, built-in bookcases, hdwds, & a bay window that will lead you out to a sunroom that you will surely enjoy! You'll find a built-in China cabinet, hdwds, bay window & a spectacular chandelier in the DR which matches other lighting thruout the 1st floor! The newly remodeled kitchen will wow you with its white cabinetry, granite, SS appliances & matching porcelain tile floor & backsplash! There are hdwds thruout the 2nd fl with its 2 BRs & office which will lead you to a 3rd fl BR! A new bonus rm awaits you in the lower level! See attachment for a list of updates! **FIRST SHOWINGS - 2/22/18.**
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Categories: New Homes  


Posted by Tina Bilazarian, Inc on 2/15/2018

After you buy a house, it may be only a few weeks before your closing date arrives. At this point, you and the home seller will finalize your transaction. And if everything goes according to plan, you'll own a new home.

Getting to closing day, however, sometimes can be difficult. Lucky for you, we're here to help ensure you can enjoy a quick, seamless home closing.

Now, let's take a look at three steps to close on a home.

1. Complete Your Mortgage Application

A mortgage is a must-have for a homebuyer to close on a residence. Fortunately, it often can be simple to obtain a mortgage that matches or exceeds your expectations.

Consult with several local banks and credit unions. By doing so, you can learn about all of your mortgage options and select a mortgage that corresponds to your finances.

After you complete a mortgage application, a bank or credit union can provide you with mortgage options. Then, you can make an informed decision about which mortgage suits you perfectly.

2. Perform a Home Inspection and Appraisal

A home inspection is paramount, as this assessment will enable you to identify any underlying home problems and address them before closing day arrives.

During a home inspection, a property expert will assess your residence both inside and out. This expert also will provide an inspection report that details his or her findings.

Review the results of a home inspection report closely – you'll be glad you did. If you assess a home inspection report, you can review a home inspector's findings and determine whether you still want to purchase a house.

If you accept the inspection results and decide to move forward with a home purchase, an appraisal may follow.

Like a home inspection, an appraisal requires a property expert to visit your home. This expert will evaluate your home's interior and exterior, as well as comparable houses in your city or town. Following a home appraisal, you will receive a property valuation.

Oftentimes, a property valuation may match or exceed the price that you intend to pay for a house. If it does not, there may be instances in which you can still walk away from a home sale or ask the seller to lower a house's asking price.

3. Buy Home Insurance

Home insurance safeguards your residence and personal belongings against loss, damage or destruction. As such, it is essential to purchase home insurance before you close on a house. Because with home insurance in place, you'll be good to go to protect your house and personal belongings against myriad disasters.

The closing process can be long and complicated. But if you work with a real estate agent, you can receive plenty of support leading up to closing day. In fact, this housing market professional is happy to provide tips to ensure you can streamline the closing process.

Get ready for closing day – follow the aforementioned steps, and you can speed up the process of acquiring your dream house.




Categories: Uncategorized  


Posted by Tina Bilazarian, Inc on 2/14/2018


3 Old Lantern Cir, Paxton, MA 01612

Single-Family

$569,000
Price

10
Rooms
5
Beds
3/2
Full/Half Baths
Candlewood Estates! Majestically sited on double lot (1.33 acres) Quality craftsmanship, unique all BRICK home designed and built by owner. First level showcases a gracious formal fire placed living room, recessed lighting, open to dining room with sliders to 12'x60' deck. Pocket door accesses to fully applianced kitchen and dining area which flows to comfortable, beamed ceiling, fire placed family room with sliders to deck and private yard. First level office, built-ins. Tiled powder room, closets. 8'x18' mudroom can access from exterior and garages. Half bath and laundry. Second level features 5 generous bedrooms and 3 full tiled baths.(whirlpool and sauna). Master bedroom with wall of closets, recessed lighting, bath with shower, dual vanities. Hardwood floors throughout ~ Central vac system ~ 7 heat zones. Extra lot for future tennis court or pool. A well designed and welcoming home! Great access - just over the Worcester Line.
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Categories: Price Change  


Posted by Tina Bilazarian, Inc on 2/8/2018

When pests come into your home, there’s no creepier feeling that you may have as a homeowner. You may turn to your house insurance for assistance if the problem gets really bad. Let’s say that termites have taken over your home and gotten into your walls or foundation. Maybe mice have gotten into the walls of your home, or a squirrel has caused some major issues in the attic. Whatever the problem is, you want to remedy it quickly. It might be an expensive fix no matter what, but it has to be remedied for you to continue to live comfortably in your home. 


The Truth About Homeowners Insurance


Unfortunately, homeowners insurance doesn't cover pest infestations. It doesn’t matter if the termites have literally eaten you out of house and home, the insurance companies consider pests to be an avoidable problem. Even though you may wonder how bugs can be considered “avoidable,” it’s simple. The insurance company believes that regular maintenance and checking of your property can help to prevent bug infestations. This is why it’s so important to take care of your property and not neglect it. 


Collateral Damage


There are a few exceptions to the rule. If your ceiling caves in and it was caused by some of the pest damage, your insurance may cover the cost of the repairs to the ceiling. They may not cover the materials that are needed to repair the ceiling itself. Insurance claims can be tricky, so you’ll need to ask a lot of questions if these problems do occur for you.


What Homeowners Insurance Covers


There’s nothing more frustrating than paying an insurance premium to find out that it doesn’t actually cover anything that you need at a certain point and time. As a general rule, homeowners insurance policies cover things that are considered accidental. This would include natural disasters like hurricanes, hailstorms, or high winds. If a tree falls on your home due to a windstorm, there was really no way of preventing that from happening. Your insurance would cover this. Damage that happens over an extended period, like that of a pest infestation or an aging home generally is not covered by house insurance. 


Separate Policies


Some insurance companies do offer separate policies to cover damage from certain types of pests like termites. There are several varieties of insects that cause damage to wood structures, so these policies may be more general stating that they provide “wood destroying insect” coverage. If you live in an area that’s prone to termites, there’s a few options available to you including something called “termite bonds.”


Your best course of action as a homeowner is prevention. Keep up with regular maintenance around your home and inspect your home regularly for any problems that you may find.




Categories: Uncategorized  


Posted by Tina Bilazarian, Inc on 2/1/2018

Getting a mortgage is one of those things that everyone seems to have quite a bit of advice about. While people surely have good intentions, it’s not always best to take the buying advice of everyone you meet. Below, you’ll find the wrong kind of mortgage advice and why you should think twice about it. 


Pre-Approvals Are Pointless


Getting pre-approved for a mortgage can give you an upper hand when it comes to putting in offers on a home. Even though a pre-approval isn’t a guarantee, it’s a good step. It shows that you’re a serious buyer and locks you in with a lender so they can process your paperwork a bit more quickly when you do want to put an offer in on a home. 


Use Your Own Bank


While your own bank may be a good place to start when it comes to buying a home, you don’t need to get your mortgage from the place where you already have an account. You need to compare rates at different banks to make sure you’re getting the best possible deal on a mortgage. You’ll also want to check on the mortgage requirements for each bank. Different banks have different standards based on down payment, credit scores and more. You’ll want to get your mortgage from the bank that’s right for you and your own situation. 


The Lowest Interest Rate Is Best


While this could be true, it’s not set in stone. A bank with a slightly higher interest rate could offer you some benefits that you otherwise might not have. If you have a lower credit score, or less downpayment money, a bank offering a higher interest rate could be a better option for you. Low interest rates can have some fine print that might end up costing you a lot more in the long term. Do your research before you sign on with any kind of bank for your mortgage. 


Borrow The Maximum


Just because you’re approved for a certain amount of mortgage doesn’t mean that you need to max out your budget. It’s always best to have a bit of a financial cushion for yourself to keep your budget from being extremely tight. When life throws you a curveball like unexpected medical bills or a job loss, you’ll be glad that you didn’t strain your budget to the end of your means. Even though the bigger, nicer house always looks more attractive, you’re better off financially if you’re sensible about the amount of money you borrow to buy a home.




Tags: Mortgage   mortgage rates   bank  
Categories: Uncategorized