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Posted by Paul W. Cutler on 4/15/2018

The factor that has the most impact on your home search is your finances. Youíll need to save a significant amount of money. Itís not easy to save when you have continuous monthly bills and responsibilities. Read on for tips on how to get your finances under control in order to save the amount of money it takes to buy a home.  


Do A Budget  



Once you have decided to buy a home, the first thing you should do is take a good look at your finances. A budget is critical when you buy a house because it tells you how much youíll have to spend on your mortgage. Doing this ahead of time will allow you to maximize your income and make adjustments ahead of time as needed. Donít forget that even though youíre buying a home, you still need some savings in addition to all of your other monthly expenses. Your budget should be outlined as follows:


  • Necessities
  • Monthly utility spending 
  • Insurance bills
  • Entertainment expenses
  • Grocery spending


Basically, you want to write down how much money is coming in and where all of the money is going. Thatís a budget in a nutshell. See where you can cut back. What youíre left with is the amount you can save each month. You may want to do this on a percentage basis rather than a flat dollar amount. 


Get A Separate Account


The most straightforward things to do when you start saving for a home is to put all of your money for your house fund into a separate account. This way you can automatically transfer money in, and youíll be less likely to spend any of the money if you donít see it.


Sacrifice The Small Things


Can you take some hand me downs for your kids? Maybe you can start packing a lunch for work instead of buying lunch. Can you cut the cord on cable? It may be hard to sacrifice small luxuries, but these expenses can add up. If you cut these out of your budget, youíll have a little more wiggle room to save for a home purchase. Youíll be surprised how much money you can save just by doing little things. Your morning latte is probably around $5. You could save at least $25 per week by merely making coffee at home! Thatís a saving of over 1,200 per year!   


While saving for a home can seem overwhelming, if you take it in small chunks, youíll be see the results of your efforts rather quickly. 





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Posted by Paul W. Cutler on 4/8/2018

Thereís few things in life that are more exciting than closing on your first house. All of the money that you saved and the paperwork that you have filled out has finally come together so that you can now say youíre a proud homeowner. 


Before you start planning your housewarming party, thereís a few things that you need to do with your new home and its contents.


Copy The Closing Paperwork


Undoubtedly, there were dozens of pieces of paper that were handed to you during the closing on your new home. You should have an extra copy of everything that was signed. While the local registrar of deeds probably has a copy of everything filed there as well, itís always a good idea to have extra copies of these papers.


Lock The Doors With New Keys


Youíll need to change the locks when you move into a new home as soon as possible. Many different people had the keys to the home while it was still on the market. Also, before the home was even put up for sale, family members could have passed sets of keys amongst family and friends. The lock category also includes securing sliding doors, electrical boxes, and windows accordingly. 


Put Your Name On It


Youíll need to place your name on a variety of things including your mailbox, the trashcans, the buzzer, and anything else that is property of you and your new home. If it wonít pose a privacy issue for you, itís better to claim whatís rightfully yours early on to ease confusion. 



Put Up Curtains Or Cover The Windows


Thereís probably 1,000 other things that you would rather do when you move into a new home than put up some curtains. Yet, this is so important to your privacy. Without curtains or window treatments, all of your home and its contents are exposed for the outside world to see. Until you have a chance to settle in, you can even use boxes or towels to cover the windows. This is used initially for a security measure to deter thieves and nosy neighbors.


Meet The New Neighbors


ItĎs a good idea to know who is living around you. For one, youíll be aware of any suspicious activity thatís happening in case you see strange people hanging around the area. Itís good to know who you live next to and what you might have in common with them. At the very least, youíll have a new friend. They might even water your plants while youíre away on your next vacation. 


Donít forget to change your addresses as well. Thatís always one of the biggest hassles about moving. Take the right measures for safety and comfort when you move into your new home for a smooth transition




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Posted by Paul W. Cutler on 4/1/2018

Believe it or not, buying a condo can be a quick, easy process, particularly for those who understand their homebuying needs.

Ultimately, there are several factors to consider before you purchase a condo, including:

1. Your Budget

How much can you afford to spend on a condo? You should evaluate your homebuying budget closely to ensure you can cover all of the costs associated with condo living.

Getting pre-approved for a mortgage usually is ideal. With a mortgage in hand, you can browse a wide range of condos and find one that matches your budget perfectly.

Furthermore, don't forget to account for homeowners' association (HOA) fees before you buy a condo. HOA fees will vary depending on the condo community, and you should learn about them in advance so you can budget accordingly.

2. Property Size and Location

How much space do you need to accommodate your family? Consider the short- and long-term ramifications of a condo purchase, and you should have no trouble finding a condo that is the right size for you.

If you're uncertain about how big of a condo that you'll need, don't hesitate to consult with a real estate agent. This housing market expert will learn about your homebuying needs and help you narrow your search for the ideal condo.

Also, be sure to consider the location of a condo. If you want to find a place to live near school or work, you should search for condos that will help you cut down on your commute time.

3. Condo Rules and Regulations

Condo living is different from living in a traditional house. In a condo community, you'll have your own property, but there may be numerous condo rules and regulations in place that you'll need to follow at all times.

For example, many condo owners cannot modify a property's exterior without first getting approval from an HOA board. This means if you want to paint your condo bright pink or upgrade the property's windows, you'll need to ask the HOA board for permission.

Examine a condo community's rules and regulations prior to purchasing a condo. This will enable you to review the HOA board's mandates and determine whether you would feel comfortable following these rules and regulations.

When it comes to finding a condo, there is no need to look for a property on your own. Conversely, if you work with a real estate agent, you can take the guesswork out of searching for a top-notch condo.

Finding a real estate agent with condo experience is essential. This real estate professional will set up condo showings, keep you informed about new condos as they become available and negotiate with property sellers on your behalf. That way, this real estate agent will make it easy for you to acquire a first-rate condo at a budget-friendly price.

Kick off your search for the perfect condo today, and you can move closer to securing a condo that will serve you well for an extended period of time.




Tags: buyer tips   Buying a home   condo  
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Posted by Paul W. Cutler on 3/25/2018

You know artificial intelligence, aka aI, equipped everything is in. And while AI thermostats, home security, and doorbells are niceÖ they arenít particularly exciting. I hear you. And thatís why today IĒm sharing my favorite AI equipped kitchen gadgets.

Letís start with a popular device youíve probably overlooked - the smart speaker. You know Alexa, Google Assistant, and Siri. Pick your preferred flavor of brand loyalty (see what I did there?) because they can all help you out in the kitchen.

For example, have you ever been mid-recipe and realized youíre missing a critical ingredient and need a substitute? Or how many tablespoons are in a ? cup? Whether to serve red or white wine with your zoodles?

With a smart speaker, you can use voice-activated inquiries to get answers to any of your kitchen Qís. And you wonít have to make a complete mess of your tablet trying to find it.   

Keep your trash can lid clean too by investing in a garbage bin with a motion sensor opening capability. There are so many options at all different price points, this is one techy upgrade anyone can make.

One thing you wonít have to worry about is how long to cook something for or at what temperature if you have the June intelligent oven. This convection oven is full capacity yet still can sit on your countertop. You can also spring for the ďproĒ version to build it into your existing cabinetry.

Or maybe you want to cook two things at the same time but need them to be at different temperatures? Samsung double oven has a removable divider allowing you to use the full capacity or split it into two. And of course, it has wi-fi connectivity to monitor cooking progress from anywhere.

If youíre the type who canít just throw two things in the oven at a ďgood enoughĒ temperature you value quality. The right cooking process canít be rushed. Chances are you also feel this way about tea.

Not every variety and blend should be steeped at the same temperature water or for the same time. Each has its own best conditions for the perfect cup. But creating those conditions takes time and effort. The Mr.Coffee Tea Maker and Kettle that can be set to the right temp and brew time for every type. Itís literally as simple as pushing a button as the buttons are even clearly labeled for each type.




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Posted by Paul W. Cutler on 3/24/2018

This Single-Family in Attleboro, MA recently sold for $245,000. This Cape style home was sold by Paul W. Cutler - Keller Williams Realty Leading Edge.


37 Horton Street, Attleboro, MA 02703

Single-Family

$255,000
Price
$245,000
Sale Price

6
Rooms
3
Beds
1
Baths
NEW YEARS RESOLUTION "BUY THIS HOME": Set in desirable neighborhood setting, this vintage Cape-style home is charming! 1st floor features an Open Concept Living Room adjoining Dining Room and Kitchen with Hardwood Floors Nicely-sized Master Bedroom and 2 Additional Bedrooms on the 2nd Floor. Backyard is great for entertaining Ė enjoy grassed yard, awesome firepit area & deck. Features include Updated Heating and Central AC System. Nice Country Porch.. Convenient to Commuter Rail, Shopping, South Attleboro Park, Capron Park Zoo & Highway. Commute to Providence or Boston! Come see.

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