Title /blog/posts/2017/07/?format=rss A blog feed. en-US Wed, 26 Jul 2017 13:30:00 -0400 Five Mistakes to Avoid For First-Time Home Buyers Part 2 https://www.hansbrings.com/blog/posts/2017/07/26/five-mistakes-to-avoid-for-first-time-home-buyers-part-2/ <p>Earlier we discussed the first five mistakes to avoid when <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buying a house in Waltham, MA</a>. Below are five more additional mistakes to avoid if you are a first-time home buyer on the hunt.</p> <ol><li><strong>Not Getting Pre-Approved For A Loan &ndash;</strong> If you want to be taken seriously when you are looking for a home to buy it is good to have a pre-approved letter from a lender. This ensures the seller that a lender has looked over your financial situation and is comfortable with giving you the rest of the money you need to pay off the house.</li> <li><strong>Paying Private Mortgage Insurance (PMI) &ndash;</strong> When buying a house, you will have to put down at least 20%, if not, then you will have to pay PMI. It is always better to not go this route which is why realtors advise to save enough money for the down payment. A lot of first-time buyers do pay this insurance so if you do, let your lender know when you pay down your mortgage and owe just 80% of the home&rsquo;s value. The lender will then automatically cancel your PMI when you owe 78%, that way you aren&rsquo;t paying a month more than you should.</li> <li><strong>Not Checking the Homeowner&rsquo;s Insurance Price</strong> &ndash; If you are looking for a beach home then you want to make sure you can afford the insurance of that home. Beach homes and homes located near a fault line, have a pool and other factors may have higher insurance rates. Before settling on your dream home, make sure that it fits your financial budget.</li> <li><strong>Not Checking Your Credit Score</strong> &ndash; To buy a home, you need to have a good credit score. One of the worst feelings is finding your dream home but not being able to buy a house in Waltham, MA because of your credit score. Sometimes, credit reports contain errors that can show that you have late payments when you don&rsquo;t which could hurt your score and chances of landing your home. Make sure to check your credit at least three months prior to starting the house hunting process. That way you can find any errors, contact the credit bureau, and get the errors fixed.</li> <li><strong>Not Getting a Home Inspection</strong> &ndash; When looking for a home to buy, you want to make sure to get the home inspected. Regardless, if the home is new or not, an inspection is something you want to do. Some home buyers skip this step as they are so emotionally attached that they want it regardless. If your home of interest has issues, you&rsquo;ll want the seller to fix those issues before the sale or ask for a lower price. A lot of first-time home buyers may be afraid to ask about fixing issues but the reality is the buyers who ask for more often get more.</li> </ol> Wed, 26 Jul 2017 13:30:00 -0400 Five Mistakes to Avoid for First Time Home Buyers Part 1 https://www.hansbrings.com/blog/posts/2017/07/18/five-mistakes-to-avoid-for-first-time-home-buyers-part-1/ <p>If you&rsquo;re a&nbsp;<a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">first-time home buyer</a>, buying a house can be an overwhelming process. With an agent by your side, you will have amazing knowledge of the community and real estate market to help guide you to your dream home. Realtors can help immensely when you are buying a house in Waltham, MA as there are many amazing homes to choose from. Below are five common first-time home buyer mistakes to try to avoid when looking for a home to buy in Waltham, MA.</p> <ol><li><strong>Getting Emotionally Attached</strong> &ndash; Getting emotionally attached to one house is not best practice when house hunting. This is because there will be more aggressive buyers, and there are a lot of houses to choose from. If your first choice doesn&rsquo;t work out, it is always good to have a few houses you are optimistic about.</li> <li><strong>Finding The Home Yourself</strong> &ndash; Relying solely on your own research when buying a home in Waltham, MA is another mistake to avoid. Think of it like you are giving yourself a self-diagnosis, you aren&rsquo;t the expert so you could be looking at houses that may look good online but not in person. An <a href="https://www.hansbrings.com/realestate/agent/hans-brings/">established real estate agent</a> can help find you the best homes in Waltham, MA as well as finding homes that may not be on <a href="https://www.hansbrings.com/market-analysis/">the market</a>. The agent can also tell you anything and everything about the home in question to make your search easier.</li> <li><strong>Go Directly To The Listing Agent &ndash;</strong> If you are thinking of going to a listing agent when you buy a house in Waltham, MA you may want to consider otherwise. This is because they represent the seller and not you. Knowing this, the agent may not always look for what fits your needs because they are focusing on making the sale for the seller.</li> <li><strong>Assuming You Have No Rules To Follow &ndash;</strong> One of the benefits of owning your home is the feeling of freedom, freedom from getting out of someone else&rsquo;s roof and having a place of your own. However, some homes do have deed restrictions that come with conditions you need to abide by. Make sure to check with <a href="https://www.hansbrings.com/contact-us/">your agent</a> to see if the home in question has any deed restrictions. If so, get a copy and read them to see if there are any pet restrictions, if the neighbors are paying assessments and more.</li> <li><strong>Not Saving Enough &ndash;</strong> Finally closing on a house but not having enough money saved up is a horrible a feeling. Make sure to save up more than just the down payment. Realtors advise having about two to three months&rsquo; worth of mortgage payments saved up in addition to your down payment. In addition to house payments, you want to make sure you save up enough money for appliances, tools, and other necessities you will need after buying your new home in Waltham, MA.</li> </ol><p>&nbsp;</p> Tue, 18 Jul 2017 13:30:00 -0400 7 Ways to Cut Costs This Summer https://www.hansbrings.com/blog/posts/2017/07/12/7-ways-to-cut-costs-this-summer/ <p>New England weather is recognized for being all over the place and anything but constant, especially in the summer. The temperature can look consistent but with the added humidity, the weather could feel like it&rsquo;s ten times hotter than it is. This will tempt homeowners to turn their thermostats down and cool the house. However, the additional cost of cooling your home in the summer can dig into your savings over time. To fix this, here are seven ways to cut costs while still staying cool in the summer.</p> <ol><li><strong>Keep Windows Closed &amp; Covered During the Day &ndash;</strong> If your home has a lot of windows then light and warmth can enter your home easily. This is perfect for the winter but not so much in the summer. During the day, it&rsquo;s a good idea to block the heat and light by closing and covering your windows. This allows your room to stay dark and cool during the humid, summer months.</li> <li><strong>Open Windows at Night &ndash;</strong> Everyone knows that the temperature drops throughout the night. Knowing this, opening your windows at night to let the cool breeze in your room is a great way to cut costs.</li> <li><strong>Use A Ceiling Fan &ndash;</strong> A ceiling fan is another wonderful alternative to keep your home ventilated and circulated throughout the year. In the summer, set your fan to rotate counter-clockwise as the breeze will make your room feel about eight degrees cooler.</li> <li><strong>Don&rsquo;t Use Heat Generating Appliances &ndash;</strong> If you want to cut costs and prevent added heat in your home, try not to use your oven, stove or other appliances that will emit heat. If this is something that cannot happen, utilizing the laundry room fan or hood fan of your stove is a good way to cool off the area after using the appliance.</li> <li><strong>Use Less A/C &ndash;</strong> If using the above tips work but you still need to run the A/C daily, try running it only when you&rsquo;re home as you won&rsquo;t be wasting energy or money by cooling your home when you are out of the house.</li> <li><strong>Use A Smart Thermostat &ndash;</strong> Most modern heating and cooling units have programmable thermostats, so consider purchasing one if your thermostat is not programmable. These smart thermostats enable the user to remotely increase or decrease the temperature. In addition, these thermostats will learn your habits and adjust your home&rsquo;s temperature accordingly, such as shutting off during certain hours you are not home. These devices have been known to save homeowners up to 15 percent in annual heating and cooling costs.</li> <li><strong>Get An Energy Use Inspection &ndash;</strong> Whether you are a homeowner or are renting, power companies will come to your home and conduct free energy use inspections. These inspections can tell you where your money is going as well as give you recommendations on ways to cut your bills.</li> </ol> Wed, 12 Jul 2017 13:30:00 -0400 Benefits of Buying a House in Waltham, MA https://www.hansbrings.com/blog/posts/2017/07/06/benefits-of-buying-a-house-in-waltham-ma/ <p>Moving is a major process and step in your life, and one of the biggest decisions you make is what town you want to move to. With this decision, <a href="https://www.hansbrings.com/realestate/market-report/">many factors</a> come into mind when deciding on a home town such as demographics, school systems, public transportation and much more. Another factor is how close a town or city is to the main city or capital of a state. For Massachusetts, Boston is a very attractive place for those ready to move. However, rent can be expensive as well as the area being over crowded. Homeowners often look to surrounding towns such as Waltham, MA when getting closer to the city of Boston. The city already has a base of families but it is now becoming an attractive location for young professionals as apartments are being built in Waltham, MA.</p> <h2><strong>Waltham, MA Attractions</strong></h2> <p>Waltham&rsquo;s prime location on the Charles River splits the amenities of the city right down the middle. The northern part of the city is where you will find the lovely shops and buildings of Waltham Center. To the south you have many dining opportunities along the renowned Moody Street. Just like with Boston, Waltham is evolving into a more modern city with luxury apartments and contemporary homes being constructed. A quarter of Waltham residents were born outside of the U.S., which influences the many restaurants and eateries in the area. From Italian cuisine to Spanish tapas to Irish pubs, there are a slew of delicious restaurants to choose from.</p> <h3><strong>Waltham Life</strong></h3> <p>When you <a href="https://www.hansbrings.com/buyers/buying-a-home-in-waltham-ma/">buy a house in Waltham, MA</a> you are not only getting a remarkable home but you are getting the amazing Waltham lifestyle. The position of the city and the Charles Rivers gives residents access to walking and bike trails that run directly into Boston. During the summer, you will see many fishermen waiting for their big catch, runners, cyclists, and rowing clubs making the best of the great summer weather of Waltham, MA. If you are looking for a more formal way of getting into the city, Waltham has many bus routes, highways, and train stations that will connect you with Boston and other surrounding suburbs.</p> <p>For those looking to start a family in Waltham, you can rest assure that your child will be well-educated due to the town&rsquo;s impeccable school system. In fact, Waltham schools are ranked among the state&rsquo;s middle-tier and continues to trend upwards. Waltham is also home to two prestigious universities &ndash; Bentley University and Brandeis University.</p> Thu, 06 Jul 2017 15:07:17 -0400