Cynthia Owens - Five College REALTORS ®



Posted by Cynthia Owens on 5/2/2019

If you plan to sell your house, there may be certain items that you want to bring to your new residence. However, various items may prove to be too big, too heavy or too expensive to transport to your new address. But if you leave these items behind, you may be able to make your house more attractive to dozens of potential buyers.

Ultimately, there are many high-quality items that home sellers may choose to leave behind for buyers, such as:

1. Refrigerator

Although your refrigerator has served you well for many years, transporting this kitchen appliance to your new house could prove to be difficult. Fortunately, a buyer may appreciate the fact that you're willing to provide him or her with a top-notch refrigerator as part of a home sale.

For a home seller who intends to leave his or her refrigerator behind, it is important to take some time to clean the appliance. That way, a homebuyer will be able to use the refrigerator as soon as he or she finalizes a home acquisition.

Also, scrub down the refrigerator's shelves, wipe down the appliance's exterior and remove any foods and beverages from the refrigerator prior to moving day.

2. Washer and Dryer

A washer and dryer may cost a homeowner hundreds or thousands of dollars to purchase and install. Luckily, a home seller who includes a washer and dryer in a home sale can make it easy for a buyer to avoid the hassle of finding, buying and installing these appliances.

Ensure that your washer and dryer are working properly before moving day arrives. Remove any dust and debris from the dryer's lint trap, and wipe down the exterior of both the washer and dryer.

3. Furniture

If you own stunning outdoor patio chairs, a deluxe dining room table and chairs or other first-rate home furniture, you may want to include these items in your home sale. By doing so, you can help a buyer furnish his or her home in no time at all.

Selling a home can be challenging, even if you intend to leave behind assorted high-end items for a buyer. Thankfully, real estate agents are available to help simplify the process of selling a residence in any housing market, at any time.

A real estate agent understands that you want to enjoy a quick, profitable home selling experience. To accomplish this goal, a real estate agent will learn about your residence and explore ways to promote it to the right groups of buyers.

Furthermore, a real estate agent will offer expert guidance at each stage of the home selling journey. He or she will set up home showings and open house events, keep you up to date about offers on your residence and help you get ready for a home closing. And if you ever have home selling concerns, a real estate agent will immediately respond to them.

Consult with a real estate agent today, and you can move one step closer to selling your house.





Posted by Cynthia Owens on 5/1/2019


139 High Point Dr., Amherst, MA 01002

Single-Family

$364,900
Price

8
Rooms
4
Beds
2/1
Full/Half Baths
Enjoy the special surroundings of this Post and Beam Contemporary! Tucked on a partially wooded lot, this is the perfect balance of country setting and proximity, only a short drive to Amherst Center, UMass and area shopping. The spacious open floor plan includes Cathedral ceilings and a cozy living area with wood stove, window seat and rustic charm, enjoys ample sunlight through the slider and picture windows. Open concept kitchen and dining room, full bath on the first level. The second level with loft study, bedroom with half bath. The lower level has three bedroom, full bath and laundry. The large wrap around deck is ideal for outdoor entertaining or enjoying the private surroundings. A well maintained home with newer metal roof, freshly painted interior and deck and two car garage. The nearby scenic reservoir and conservation area is an added bonus! First showings at Open house Sunday May 5, 12 to 2pm.
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Cynthia Owens on 4/26/2019

This Condo in Belchertown, MA recently sold for $117,000. This Townhouse style home was sold by Cynthia Owens - Five College REALTORS ®.


1300 Federal St, Belchertown, MA 01007

Condo

$139,900
Price
$117,000
Sale Price

4
Rooms
2
Beds
1
Baths
Anherst/Belchertown Line! Rare 2 Bedroom 1 Bath condo located on Route 9! No car? No problem: PVTA bus stop is very close by. This corner end unit has been well kept by the Owner. There is a high end new stove and all the flooring is only one year old. The Condo Association just replaced the roof in 2017. The siding has just been upgraded to vinyl. All these improvements have been paid for by the Seller ready for you to enjoy. The setting is lovely with lots of wide open spaces surrounded by trees. Coin operated laundry facilities in the common basement area. Trash removal and all grounds maintenance is covered by the $175 per month Condo association fee. Cats are allowed and there is a cat living on premise now. Why rent when you can own?






Tags: Real Estate   Condo   Belchertown   01007  
Categories: Sold Homes  


Posted by Cynthia Owens on 4/25/2019

Buying a house should be a worry-free experience. Yet problems may come up that prevent a property buyer from achieving the optimal results. Lucky for you, we're here to help you quickly identify and address various homebuying hurdles.

Now, let's take a look at three tips to help you minimize stress as you navigate the homebuying journey.

1. Plan for the Best- and Worst-Case Scenarios

An informed homebuyer should have no trouble enjoying a worry-free property buying experience. In fact, this buyer will understand the best- and worst-case scenarios and know exactly what to do – even in a stressful homebuying situation.

In the best-case scenario, a homebuyer will instantly find his or her dream house, submit an offer to purchase this residence and receive an immediate "Yes" from a seller. Then, this buyer can finalize a home purchase and move into his or her new residence.

On the other hand, the worst-case scenario likely will force a homebuyer to miss out on the opportunity to acquire his or her ideal residence. This scenario may involve a failure to agree to terms with a seller due to many potential homebuying problems.

Homebuyers will want to do everything they can to avoid the worst-case scenario. Fortunately, if you learn about the housing market, you can gain the insights you need to plan ahead for the property buying journey. And as a result, you can increase the likelihood of finding and buying your dream house in no time at all.

2. Get a Mortgage

Let's face it – purchasing a home is your dream, but you probably don't have the necessary finances to buy a house on your own. Therefore, you may need to get home financing before you can make your homeownership dream come true.

Applying for a mortgage may seem stressful, but lenders are happy to help you in any way they can. If you consult with multiple banks and credit unions, you can review a variety of home financing options.

Don't hesitate to ask questions as you complete a mortgage application too. If you address your mortgage concerns and questions with a home financing professional, you can alleviate the stress commonly associated with applying for a mortgage.

3. Work with a Real Estate Agent

A real estate agent is a homebuying expert who can respond to any concerns or questions that you may have. If you collaborate with a real estate agent, you can get the help you need to minimize stress at each stage of the property buying journey.

Typically, a real estate agent will learn about you and your homebuying goals and help you plan accordingly. He or she will keep you up to date about available houses in your preferred cities and towns and set up home showings. And if you find a house that you want to purchase, a real estate agent will help you submit a competitive property buying proposal.

Remove stress from the homebuying journey – use the aforementioned tips, and you can reap the benefits of a worry-free homebuying experience.




Categories: Buying a Home   buying tips  


Posted by Cynthia Owens on 4/18/2019

If you’re a first time homebuyer and want to start weighing your mortgage options, you’ll have much to learn. With so much at stake, you’ll want to make sure you choose the best mortgage for you now, and one that will still suit your needs years into the future.

Sometimes, first time buyers are hesitant to ask questions they may consider too basic because they don’t want to seem inexperienced to lenders, agents, or anyone else they’ll be in contact with throughout the home buying process.

So, in this article, we’ve compiled a list of commonly asked mortgage questions that first time buyers might want to ask before heading into the process of acquiring a home loan.

What is the first step to getting a mortgage?

This question may seem straightforward, however the first step can vary depending on your financial situation. For those who already have saved up for a down payment and built a solid credit score, the first step is probably contacting lenders and getting preapproved or prequalified.

However, if you aren’t sure about your credit score and haven’t saved up for a down payment (ideally, 20% of what you hope to spend on the house), then you should address those matters first.

To find a lender, you can do a simple Google search for the mortgage lenders in your area, or you can ask around to friends and family to find out their experience with their own mortgage lenders.

What does it mean to be pre-qualified and pre-approved?

If you think of the mortgage process in three steps, the first step would be getting pre-qualified. This means you’ve given the lender enough basic information for them to decide which type of mortgage you’re eligible to receive.

Pre-approval includes collecting and verifying further details. At this step, you’ll complete a mortgage application and the lender will run a credit check. Once you’re pre-approved, your file can be moved to the underwriting phase.

What are closing costs?

“Closing costs” is an umbrella term that covers all of the various fees and expenses related to buying or selling a home. As a buyer, you are responsible for paying numerous closing costs. These can include, but are not limited to, underwriting fees, title searches, title insurance,  origination fees, taxes, appraisal fees, surveys, and more.

That sounds like a lot to keep track of, however your lender will be able to give you an accurate estimate of the total closing costs when you apply for your loan. In fact, lenders are required to give you a list of these costs within three days of your loan application in the form of a “good faith estimate” of the closing costs.

What will my interest rate be?

The answer to this question is dependent upon numerous factors. The value of the home, your credit score, the amount you put down (down payment), the type of mortgage you have, and whether or not you’re paying private mortgage insurance all factor into the interest rate you’ll receive. Interest rates also will vary slightly between lenders.

You can receive a fixed-rate mortgage that does not fluctuate throughout the repayment term. However, you also typically have the option to refinance to acquire a lower interest rate, however refinancing comes with its own costs.




Categories: Buying a Home   Mortgage   FAQ   qualify  




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