Upper Cape Realty

Posted by Upper Cape Realty on 3/14/2018

If you plan to buy a house, you'll want to apply for a mortgage before you launch your house search. That way, you'll have your finances in order and can narrow your home search accordingly.

Ultimately, there are several steps that you should take prior to applying for a mortgage, and these are:

1. Check Your Credit Score

A bank or credit union likely will analyze your credit score as it reviews your mortgage application. However, you can find out your credit score free of charge before you kick off the mortgage application process.

You are eligible to receive a free copy of your credit report annually from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). Submit a request for your credit report today, and you can receive comprehensive insights into your credit history.

2. Examine Your Earnings and Debt

How much you currently earn and your outstanding debt could play pivotal roles in your ability to acquire a favorable mortgage. Thus, you'll want to examine these factors closely so that you can better understand how lenders will view your mortgage application.

Also, if you have lots of outstanding debt, there is no need to worry. If you allocate the necessary time and resources to learn about your debt and pay it off, you can increase the likelihood of obtaining a favorable mortgage.

3. Establish a Budget

Although a mortgage may prove to be essential to buy a house, it is important to consider various homebuying expenses as well.

For example, you may need to pay closing costs, home inspection fees and other expenses throughout the homebuying process. If you're worried about having the necessary finances to cover these costs, you may want to start saving money for them as soon as possible.

It often helps to account for the costs associated with cable, electricity, internet and other home must-haves too. The aforementioned homeownership expenses can add up quickly, but those who plan ahead can ensure they have sufficient funds available to cover these costs.

As you prepare to search for a house, it usually is a great idea to hire a real estate agent. This housing market can help you prepare for each stage of the homebuying cycle and ensure you can achieve your homebuying goals.

Typically, a real estate agent will meet with you and find out what you want in a dream house. This housing market professional then can keep you up to date about residences that match or exceed your expectations.

Perhaps best of all, a real estate agent understands that no one should be forced to overspend to acquire their ideal residence. As such, this housing market professional will make it simple for you to discover a terrific house at a budget-friendly price.

Lastly, don't hesitate to reach out to a real estate agent for guidance before you apply for a mortgage. With a real estate agent at your side, you can learn about lenders in your area and find one that can provide you with the financing that you need to purchase your dream house.

Tags: Mortgage   Buying a home  
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Posted by Upper Cape Realty on 3/12/2018

If you are looking for a spacious home with a great floor plan & potential for more living space,look no further! This home has a walkout basement w/almost 800 sqft of space for extra rooms/storage! Original owners built in 2005. Spacious eat-in kitchen offers plenty of cabinet space, newer stainless steel appliances,recessed lighting & a breakfast nook! Separate dining room is bright & has plenty of space for a formal table/hutch. 1st floor has durable,high-end laminate throughout.Bathrooms have tile floors & bedrooms are carpeted. Ceiling fans in most rooms is a nice 'extra'.1st floor laundry is always a plus & the washer and dryer stay! Affordable gas heat with Weil McLain furnace & water heater.Big deck overlooks the partially fenced yard which even has irrigation! Short stroll to the fully recreational sandy White Island Pond! Perfect spot for jet-skis,boats,swimming,fishing or just soaking up the sun! Close to bridges/highways.1 hour to RI/Boston, a commuters dream!OH 3/18,12-2.

More Info on this Property | New Listing Alerts

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Posted by Upper Cape Realty on 3/10/2018

Charming doll house on Main st. in the heart of Wareham Village. Just a short walk to the historical buildings, parades and seasonal Main St attractions. Directly across from the Village Green/Sailors and Soldiers Monument. History abounds, many original details still in tack and have been restored. Move in ready!!! Kitchen tastefully updated with new cabinets, faucet, sink, counters, new tile, new lights, stainless steel stove and microwave. Sale includes refrigerator. Bathroom has been updated, but retains the original claw foot tub!! Sunporch has heat and can be used year round. Two heat zones, 7 day/ 3 timeframe-programmable thermostats. Currently used as a 3 bedroom, field card states 2 bedrooms.

More Info on this Property | New Listing Alerts

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Posted by Upper Cape Realty on 3/7/2018

You may be in the market to buy a vacation home in the near future. Getting ready to purchase a second home can be a big decision and a big financial commitment. Aside from a good investment, buying a vacation home brings enjoyment to you and your family. To help you make a good decision on when and where to buy your vacation home, read on. 

Itís All About Location

You need ton know why you want to buy a second home. Do you spend a lot of time in one specific area? Do you want to explore one particular place a bit more on a frequent basis? The reason behind why you purchase a home for vacation purposes will fuel your decision on location. If youíre looking for a simple getaway with your family several times a year, the answer may be different than if you want to have a rental property. Choose a location that has varied seasons. You donít want the prime time for use of the property to be the same as when youíd like to be on the property with your family.   

Donít Purchase On A Whim

While it can be tempting to search for homes while youíre on a getaway, you should rent several times before you make the decision to buy in a particular place. Vacations can give buyers this sense of awe that could quickly fade. You donít want your decision to be fueled by emotion. You need to be certain that youíll actually enjoy an area for the long term. 

Shopping for a vacation home is quite similar to shopping for your main house. You want to know youíre in a good area and that youíll enjoy the house or the long haul. Itís tough to do that if you donít have a basic understanding or appreciation of the area.  

How Often Will You Use The House, Really?

You need to be realistic about how often youíll actually use your vacation house. It may not be worth it to buy in an area that will only be used one week out of the year. If you know youíll be able to use the space all of the time, then go for buying a home in the location of your dreams. If, however, youíre unsure of how often youíll be able to get to the house you might want to think twice. You could do just as well finding a spot that you can use as a reliable rental when you want it. Donít forget that buying a second home means having a second home to maintain. Not everyone is up for that challenge.           

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Posted by Upper Cape Realty on 2/28/2018

Effectively staging your home can make a difference when selling your home. It can help you reach your asking price, or it can mean the difference between making a sale and not making a sale.

With so much at stake, itís clear that home staging is a good idea. However, if you plan on living in your home while itís on the market it can cause a big change in your lifestyle. It can mean putting most of your belongings in storage and be constantly rearranging furniture and moving your valuables around.

In this article, Iíll give you some tips to help you get through the difficult time of living in a staged home. Iíll talk about how you can make the most of this situation while still making the important sale on your home.

Decluttering and removing personal items from your home

There are two important things to remember when cleaning out your home before staging it. You want to declutter and you want to remove your personal presence in the home.

In terms of decluttering, not only is this a good time to start packing up items you wonít need until you move into your next home, but it is also a good time to do some cleaning. When going through your home, ask yourself if youíve used the item in question within the last year or two. If the answer is no, you might be able to throw away or donate the item.

When someone views a home they want to be able to picture living there. Thatís hard to do if it is filled with the photos and heirlooms of another family.  If youíre unsure about whether something is too personal to keep on display in your home, thereís a good chance that itís better off to put it in storage.

Use your free time at home to your advantage

Living in your home while itís on the market gives you one important advantage--youíre able to spend more time prepping your home for sale. Use your free time and weekends at homes to paint your walls bright, neutral colors. You can also experiment with arranging furniture in a spacious and welcoming way.

This is also a good time to take care of small issues that might turn off potential buyers. Runny faucets, creaking doors, and other cosmetic fixes are all simple but important fixes to make while still living in your home.

Adopt a ďclean as you useĒ mentality

Since people are coming to view your home, youíll naturally want it to be as clean and tidy as possible. But rushing to clean everything before someone views your home makes it more likely to overlook a dirty countertop or misplaced towel.

A good practice is to simply clean up after yourself as you use items. That means wiping down the counter or oven after use, making sure you donít leave products out in the bathroom, and sweeping the floors at the end of the day.

While it can be difficult to live in your home while it is staged for sale, it also has its advantages. As you go through this process, remember that it isnít forever, and that it can save you time and money in the long run.