Steve Casey
RE/MAX Real Estate Center | 508-341-4464 | stcreal@aol.com


Posted by Steve Casey on 11/16/2017

This Land in Petersham, MA recently sold for $21,000. This style home was sold by Steve Casey - RE/MAX Real Estate Center.


Lot B Nichewaug Rd, Petersham, MA 01366

Land

$21,000
Price
$21,000
Sale Price

3.46
Acres
Residential
Land Type
Beautiful, private 3.75 acre building lot. Percs in hand. House plan included along with all engineering drawings. Just apply for permit. Ready to go.






Tags: Real Estate   Petersham   01366   Land  
Categories: Sold Homes  


Posted by Steve Casey on 11/14/2017

The kitchen. Itís one of the most used rooms of the house, yet somehow becomes one of the most disorganized. If youíre tired of digging past ten spatulas to find the potato peeler keep reading. Below are some tips on how to organize your kitchen and keep it that way! Start by making a bigger mess. Yes, clean everything out of the drawers and cupboards. You may want to include clearing out pantry items as well if itís been awhile since youíve done so. Check expiration dates on everything as sometimes items have a way of getting pushed to the back of a cupboard to be forgotten for years. Sort through your items and determine what can be kept, donated or tossed out. Create categories for the items you are keeping. Think baking, cooking, seasonal, often used, least used, etc. By sorting everything out into categories now, you will know what type of storage solutions and where the best place to store them is later. Find storage solutions that work. Whether you have items laying around the house you can use or need to invest in some, the best way to stay organized is to create a system that assigns a home for every single item you own. Junk drawers are born from items not having a dedicated place. Be proactive in preventing the dreaded junk drawer by finding an organization solution that includes a spot for everything. Some organization items to consider are lazy susans for spices and other pantry items, hooks to hang mugs, a stemware rack for wine glasses, a rack hang pots and pans from the ceiling, hooks on the insides of cabinet doors for pot holders or measuring cups, a spice rack installed on a cabinet door, and drawer dividers for utensils. Keep your most used items within reach. Avoid digging through cupboards and drawers on a daily basis by keeping your most used items front and center. In cabinets store your most used items on lower shelves while placing the ones you use less often on top shelves. Place your go-to cooking utensils in a vase or other type of decorative container on the counter next to the stove. You should also consider keeping pots, pans, and other cooking items close to the stove to keep them within arms reach when you are cooking. Extra Tips for the Go-Getters. Organize plastic ware with their lids. Better yet invest in a set that comes with snap-together lids or a large matching set so you arenít left trying to cram the wrong lid on a bowl for leftovers. Make the most of the empty space over your cabinets by adding shelves for extra storage. Add a lazy susan in your fridge to avoid items being pushed to the back and becoming long forgotten. Set up a station to sort typical kitchen papers like coupons, menus, and notepads. While we use our kitchen almost every day the clutter can build up and become overwhelming. With an action plan in hand and a few days dedicated to organizing the chaos you can have a cleaner, more organized kitchen before you know it!




Categories: Uncategorized  


Posted by Steve Casey on 11/14/2017

There are a number of programs, government-sponsored and otherwise, that are designed to help aspiring homeowners find and get approved for a mortgage that works for them.

Among these are first-time homeowner loans insured by the Housing and Urban Development Department, mortgages and loans insured by the USDA designed to help people living in urban and rural areas, and VA loans, sponsored by the U.S. Department of Veterans Affairs.


In todayís post, Iím going to give you a basic rundown of VA loans, who is eligible for them, and how to apply for one. That way youíll feel confident knowing youíre getting the best possible deal on your home mortgage.


What is a VA Loan?

VA loans can provide soon-to-be homeowners who have served their country with low-interest rates and no private mortgage insurance (PMI).

If youíre hoping to buy a home soon and donít have at least a 20% down payment, you typically have to take out private mortgage insurance. This means paying an extra insurance bill on top of your monthly mortgage payments. The downside of PMI is that it never turns into equity that you can then use when you decide to move again or sell your home.

Loans that are guaranteed by the VA donít require PMI because the bank knows your loan is a safer investment than if it wasnít guaranteed

VA loans may also help you secure a lower interest rate, or give you some negotiating power when it comes to discussing your interest rate.

Finally, VA loans set limits on the number of closing costs you can pay in your mortgage. And, if youíve ever bought a home before, youíll know how quickly closing costs can add up.

Who is eligible?

There are some common misconceptions about who can apply for a VA loan? So, weíll cover all the bases of eligibility.

If you meet one of the following criteria, you may be eligible for a VA loan:


  • Youíve served 90 consecutive days during wartime

  • Youíve served 181 days during peacetime

  • Youíve served six or more years in the Reserves or National Guard

  • Your spouse died due to their work in the military

There are some restrictions to these eligibilities. For example, your chosen lender may still have credit score minimums.

Applying for a VA Loan

There are two main steps for applying for a VA Loan. First, youíll have to ensure your eligibility. You can do this by checking the VAís official website. Be sure to call them with any questions you may have.

Next, youíll need a certificate of eligibility. The easiest way to acquire one is through your chosen lender.  If you havenít chosen a lender, you can also apply online through the eBenefits portal, or by mailing in a paper application.

Once you have a certificate, you can apply for your mortgage and youíll be on your way to buying a home.





Posted by Steve Casey on 11/13/2017

Buying a home is a very detail-oriented process, and there's a lot of important things you can overlook if you're not organized.

Home buyers generally have the opportunity to do a last-minute inspection of the premises to make sure everything's up to standards prior to closing on the property.

A real estate buyer's agent can accompany you on the final inspection or provide you with advice on what to look for.

If you've already visited the home a couple times and had the house professionally inspected, you're probably well-acquainted with any major malfunctions, flaws, or repair issues. In many cases, home buyers may reach an agreement with the seller to fix, replace, or make allowances for mechanical or cosmetic problems. While real estate negotiations and sales agreements are as varied as the people and properties involved, there are typically dozens of things buyers need to check on before they sign the final documents and accept ownership of the property.

Final Walkthrough Tips

As you're doing the final walk-through of the house, it's necessary to remember or have notes on the condition of the home when you last looked at it. You'll also want to have a clear idea of what appliances, fixtures, and window treatments are supposed to be remain in the house after it's been vacated by the seller. Depending on how close your final walk-through is to the actual closing, that has probably already happened.

If there's anything missing that the seller agreed to include in the sale, then that's an issue you'll want to discuss with your real estate agent or attorney. Any property damage that may have resulted from moving furniture and other belongings should also be discussed before final papers are signed. The same thing would apply to landscaping changes that appear to be inconsistent with the sales agreement. Your buyer's agent and/or lawyer can serve as intermediary in getting these issues clarified and ironed out.

To make sure your final inspection is thorough, it's a good idea to have a "final walk-through checklist" to help keep you organized and focused. You'll want to take a last-minute inventory of items that are supposed to be included with the property sale, such as appliances, lighting fixtures, furnishings, window treatments, children's play structures, hot tubs, and anything else that was agreed to in the sales contract.

Other items you'll need access to may include garage door openers, manuals for appliances and mechanical systems, warranties, invoices for repairs made, and remote control devices for things like ceiling fans, alarms, and other systems.

Your checklist and final walkthrough should focus on a variety of items, including the working condition of appliances, the electrical system, plumbing fixtures, and the condition of walls, floors, ceilings, doors, windows, and landscaping features. For a complete checklist, look online or consult your real estate agent.





Posted by Steve Casey on 11/6/2017

Entering the housing market may be difficult for a buyer. In many instances, buyers worry about paying too much for a house. On the other hand, the temptation to overspend on a house sometimes can be overwhelming for a homebuyer who is concerned about losing his or her dream residence to a rival buyer.

Fortunately, we're here to help you determine exactly what you can afford to pay for a house, thereby reducing the risk of spending too much on a residence.

Let's take a look at three tips to ensure a buyer can purchase a great house at the right price.

1. Get Pre-Approved for a Mortgage

A mortgage generally is a must-have for a homebuyer. If you get pre-approved for a mortgage, you can start searching for houses that fall within your financial limits.

To learn about your mortgage options, you should meet with a variety of banks and credit unions. These financial institutions employ friendly, knowledgeable mortgage specialists who can teach you about myriad mortgage options.

Also, don't hesitate to ask questions as you search for a mortgage. If you understand all of the mortgage options at your disposal, you can make an informed mortgage decision. Then, you'll be able to start pursuing houses with a budget in hand.

2. Assess the Housing Market

The real estate market frequently fluctuates. As such, you should look closely at housing market data to find out whether you're preparing to search for a house in a buyer's or seller's market.

Oftentimes, it helps to look at the prices of recently sold houses in your area. This will allow you to see how much sellers received for their homes, as well as how long these houses were available before they sold. That way, you can use this housing market data to narrow your price range and establish realistic expectations for your home search.

3. Consult with a Real Estate Agent

A real estate agent is a housing market expert. Therefore, a real estate agent can make it simple for you to pay the right price for your ideal house.

Typically, a real estate agent will want to meet with you before you start your home search. He or she then can learn about you and your homebuying goals and help you craft a homebuying budget. As a result, a real estate agent will allow you to refine your home search, ensuring you can check out high-quality houses at budget-friendly prices.

Let's not forget about the support that a real estate agent delivers throughout the homebuying journey, either. A real estate agent will set up home showings and keep you up to date about new houses that fall within your price range. And if you'd like to submit an offer on a house, a real estate agent will help you put together a competitive proposal as well.

Pay the right price for your dream house Ė use the aforementioned tips, and you can boost the likelihood of discovering the right home, at the right price.




Categories: Uncategorized