Dino Rossi
RE/MAX Preferred Properties | 617-969-0676 | dino@realestateman.com


Posted by Dino Rossi on 2/18/2018

Purchasing a home is a sign of new financial responsibility for many people. The leap into homeownership is a big and important step. Finding a home and securing a mortgage isnít easy. Getting ready to take on a mortgage can require a lot of research and education on your part. Before you get too confused, youíll need to learn the basics of a mortgage and what you should know before you apply. 


Be Prepared


This is probably the best advice for any first time homebuyer. Find some good lenders in your area. You can sit down with a lender and talk about your goals. The bank will be able to explain all of the costs and fees associated with buying a home ahead of time. This way, youíll know exactly what to expect when you head into a purchase contract without any surprises. 


Whatís Involved In A Loan? 


Each mortgage is a different situation. This is why meeting with a lender ahead of time is a good idea. Your real estate agent can suggest a mortgage lender if you donít have one in mind. No one will be happier for you than your real estate agent if you have a smooth real estate transaction. Youíll be able to walk through the mortgage process step by step with a loan officer and understand the specifics of your own scenario.


What Youíll Need For A Mortgage


Thereís a few things that youíll need to have ready before you can even begin searching for a home. 


Cash For A Down Payment


Youíll need to save up a bit of cash before you know that youíre ready to buy a home. Itís recommended that you have at least 20 percent of the purchase price of a home to put down towards your loan initially.   



A Good Working Knowledge Of Personal Finances


You should have an understanding of your own finances in order to buy a home. Not only will this help you save, but it will help you to ensure that youíre not going to overextend yourself financially after you secure the mortgage. To get your finances in order, honestly record all of your monthly expenses and spending habits, so you know exactly what you can afford.   


The Price Range Of Homes Youíre Interested In 


If you have an idea of what kind of home youíd like, it will make your entire house shopping experience a lot easier. Youíll be able to see exactly what you can afford and how much you need to save. When your wish list equates to half-million dollar homes, and you find that you can only afford around $300,000, you donít need to go into shock! Itís good to have an idea of how much house you can afford and what it will get you. When you do a little homework, youíll discover that buying a home isnít such a hard process when youíre prepared!





Posted by Dino Rossi on 2/11/2018

A home listing often introduces a homebuyer to a residence. It may include home photos, a brief home description and details about various home features and amenities. As such, an effective home listing is a must-have, particularly for a home seller who wants to stir up plenty of interest in a residence.

Ultimately, there are several best practices to consider when you create a home listing, and these include:

1. Provide Accurate Information

Learn about your home, and you can provide accurate information about your residence in your home listing.

If you're unsure about your home's condition, it often pays to complete a home appraisal. That way, a property appraiser can evaluate your residence both inside and out, identify any problem areas and offer a property valuation.

Furthermore, if you recently completed assorted home improvements, you should include information about these upgrades in your home listing.

Whether it's new windows that you installed throughout your residence or an updated home air conditioning system, including details about various home upgrades in your home listing could help your residence stand out to potential buyers.

2. Include High-Quality Photos

You don't need to be a professional photographer to capture high-quality photos of your house. In fact, many smartphones and tablets feature first-rate cameras, and you can use these mobile devices to take photos of your house's interior or exterior.

As you photograph your home, remember the homebuyer's perspective. For instance, a homebuyer likely wants to see photos of a clean, pristine kitchen and other awe-inspiring images of your house. If you clean and declutter your house before a photo shoot, you can increase the likelihood that your home photos will capture homebuyers' attention.

On the other hand, if you want professional assistance, you can always reach out to a real estate photographer as well. A real estate photographer can offer home photo recommendations and suggestions and help you capture photos that show off the true size and beauty of your residence.

3. Collaborate with a Real Estate Agent

A real estate agent knows what it takes to craft an effective home listing. Therefore, if you collaborate with a real estate agent, you should have no trouble creating a home listing that hits the mark with homebuyers.

Typically, a real estate agent will meet with you, learn about your home selling goals and plan accordingly. He or she then will use the information that you provide to develop an engaging home listing.

With a real estate agent at your side, you can seamlessly navigate the home selling journey too.

For instance, a real estate agent will host open houses and set up home showings to promote your residence to homebuyers. Plus, he or she will keep you up to date about any home offers and provide expert advice at each stage of the home selling journey.

Creating an effective home listing may seem difficult. Fortunately, if you use the aforementioned best practices, you can craft a home listing that can help you generate substantial interest in your residence.




Categories: Uncategorized  


Posted by Dino Rossi on 2/4/2018

Did you know that you could drastically improve your credit score in just a year? Or that there are things that you can actively be doing to keep up your good credit score and make it to excellent? Improving your credit score involves improving many pieces of what makes up a credit score. The tips here are twofold. If your score is low and you are looking to greatly improve it, then you must first figure out why. Review the tips below to see if any listed can help you deal with your credit pitfall(s). If you have an average to good score and just want to improve it as much as possible then each of the steps below can give you insight into how to do so. Balances: The amount of revolving credit you have compared to the credit that you are using is a large factor in your credit score. Itís best to keep your balances from all of your credit cards under 30% of your revolving credit. Even if you pay off your credit cards every month, the amount of credit you are utilizing is recorded. In short, keep balances low, but also keep paying them off each month so you do not end up with a balance than canít be immediately paid off. Credit Inquiries: Hard credit inquiries show up on your report for 2 years, but only affecting your score for around a year. Hard inquiries show that you are looking to use additional credit and too many hard inquiries in a short amount of time can negatively affect your credit score. One or two within a yearís time will not significantly affect your score but as that number gets higher it will. One way around this is to make those couple of inquiries within a 30-day period. FICO will count those inquiries as one since oftentimes multiple inquiries in a short period of time results in one loanó meaning you are not in search of multiple lines of credit/loans. But itís best to be cognizant of this and strategic in how you view your credit report or apply for loans and credit cards. Payment History/On-Time Payments: If you have struggled with paying your bills on time and have seen a suffering credit score then this then would be a main reason behind your low score. And itís time to take action and change that. This is one of the main factors in your credit score and therefore significantly impacting your score, either negatively or positively. Itís important to do everything in your power to pay all bills on time. Even being just a couple days late on payments will have affect. Length of Credit History: Length of credit is not necessary something that you can completely control. But it does have an affect on your credit score. As the length of your credit increases, and given that you are responsible with your credit, your score will improve. The most important piece to remember here is to be responsible with your credit. So what are you waiting for? If you haven't already, sign up for a free credit score site or find out if one of your credit card companies offers it. Frequently checking and seeing your score rise will provide you with the gratification you need to keep on track.





Posted by Dino Rossi on 1/28/2018

 

If youíve paid any attention to home and living catalogues over the years youíve probably noticed how quickly home decor trends come and go. Just like in the world of fashion, the people who manufacture homegoods do it with one idea in mind: to keep you coming back for more.


Thereís an important distinction to be made between a trend and a style. Youíve probably seen several homes that adhere to the styles of farmhouse, mid-century modern, industrial, and so on. However, within these styles there are several trends that flood magazines and houses each year. While everyone wants to keep their home up to date, itís important to keep a watchful eye out for homegoods that are just capitalizing on the latest trends.


In this article, weíll break down some home decor tips that will help you pick the homegoods that will look great year after year while also serving a useful function in your house. And, weíll help you avoid the trends that put a strain on your wallet each year.

Keep the big picture in mind


When browsing through the latest Crate & Barrel catalog, itís tempting to order items based on liking the way they look in the picture. However, itís important to remember how it would look in your own home. This is true for many items around the home, like houseplants. If you have a farmhouse-style home, decorating it with cacti or zen gardens might appear out of place and thus will be short-lived decorations.


Aside from the inside of your home, itís important to keep in mind the architectural style of your house. It would seem strange, for example, to enter a brownstone building in Brooklyn to find it filled with country style decorations. That isnít to say you need to always adhere exclusively to the architectural style of the building (some juxtapositions work well together and are a fun way to give your home some originality).

Good design sticks around


Appearance isnít everything. When it comes to things like furniture, appliances, and kitchenware youíll find that usefulness and ease of access is a key feature. Before buying one of these items, think about whether it serves a purpose, and if it serves that purpose better than your current item. Read reviews or ask friends and family about these items before purchasing them.

Stick to the classics


One of the latest trends to hit coffee shops around the country is the tall metal stool. Sometimes they have a backrest, sometimes they donít. They can be painted a neutral color or left metallic and unfinished.


While these stools may fit neatly into the modern, industrial look, they might not fit your particular needs. In some instances, itís better to stick to the tried-and-true furniture items for your home. If youíre placing the stools somewhere that people are going to sit often and for long periods of time, youíll want them to be comfortable. Donít sacrifice comfort in your own home just because something looks good.




Tags: home   house   interior design   decor   homegoods   design  
Categories: Uncategorized  


Posted by Dino Rossi on 1/21/2018

More often than not, you are interested in selling your home as quickly as possible. However, it will take some work on your part to make that possible. Letís take a look at what it takes to get your home soldó and sold quickly. Small Updates: Small updates will go a long way when selling your home. Itís easy to make a semi-outdated home look much more up-to-date with small updates. Changing out hardware and lighting in a bathroom, removing wallpaper and updating paint, updating lighting in bedrooms and hallways, and painting kitchen cabinets are all ways of increasing the likelihood of your home selling quicker than if you left them in an outdated state. Clean & Organize: It is very important to clean and organize your home before open houses and photos are taken. A clean home gives the buyers an opportunity to see the home for what it is, and not all of your stuff and clutter. It will give them the opportunity to visualize themselves in the home and how they would set up each room. Clutter makes it difficult to do this as it makes rooms look smaller and covers up the true potential. Remove Personality: Itís best to remove your personality from your home when selling. Things like pictures and picture frames, your childrenís drawings on the refrigerator, the obsessive amount of purple in your bedroom, and so on. Removing your personality and creating a neutral home will better allow homebuyers to visualize themselves living there and making it their own. Social Media: Utilizing social media is the best way to get the word out about your home being on the market. Realtors and agents are already using it, but you should also be taking advantage of it. Sharing or creating posts of your online listing and asking your friends to share will only benefit you. The more eyes on your home the more likely that you will selló and quickly. Photos & Video: Since online research is often the first step one takes in the home buying process, the photos and video of your home will be the first impression that a buyer has. And you want to make that the best first impression possible. Make sure to tidy your home (as mentioned above) when taking the photos. And also make sure to take the best photos possible, whether you do it yourself or hire someone to take them. Ensure that there is plenty of natural light and choose the angles that create the most appealing space. The photos you place online could make or break a homebuyer's interest and desire to see more. Taking the appropriate steps to make your home welcoming and stand out from its comparables will only help get it sold faster. Itís not just your realtor that has responsibility for selling your home. And with implementing the tips above, your house will be on its way to being sold in no time.