Posted by Amanda Bruen on 7/25/2017

Submitting a "fair" offer on your dream home may seem difficult, particularly for a first-time homebuyer. Lucky for you, we're here to help you determine what it takes to submit a fair offer on a home that increases the likelihood that a home seller will accept your proposal without delay.

Now, let's take a look at three tips to ensure that a first-time homebuyer can submit a fair offer on a house.

1. Study the Housing Market Closely

Are you preparing to submit an offer in a buyer's market or a seller's market? Ultimately, the current state of the housing market may help you define a fair proposal based on the sector's conditions.

For example, a buyer's market frequently includes an abundance of top-notch residences and a shortage of homebuyers. In this market, you may be able to submit an offer at or below a home seller's initial asking price and receive an instant "Yes."

On the other hand, a seller's market usually features a shortage of high-quality houses and an abundances of homebuyer. As such, you may need to submit an offer at or above a home seller's initial asking price if you want to secure your dream residence.

For first-time homebuyers who analyze the housing market closely, they should be able to differentiate between a buyer's market and a seller's market. That way, a first-time homebuyer can determine fair market value for a residence and submit an offer that corresponds to it.

2. Evaluate Your Homebuying Budget

There is no need to overspend for a house, regardless of the current housing market's conditions. But with a homebuying budget in hand, a first-time homebuyer can resist the urge to pay too much to acquire an outstanding residence.

Getting pre-approved for a mortgage often provides a great option for those who are uncertain about how much they can spend on a home. This budget will enable a homebuyer to narrow his or her home search based on the finances at his or her disposal.

Meet with a variety of banks and credit unions to learn about all of your mortgage options. Then, you can select a mortgage that matches your budget and move one step closer to acquiring a terrific residence.

3. Work with a Real Estate Agent

A real estate agent is a must-have for a first-time homebuyer, and for good reason. This housing market professional can teach you about the intricacies of buying a house and help you submit a fair offer on a residence any time you choose.

Furthermore, a real estate agent will guide you along each stage of the homebuying journey and help you overcome any potential pitfalls along the way. And if you ever have homebuying concerns or questions, a real estate agent is happy to respond to them at your convenience.

Take advantage of the aforementioned tips, and by doing so, a first-time homebuyer should have no trouble submitting a fair offer on a residence.




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Posted by Amanda Bruen on 7/18/2017

Even if youíre not hopping on a jet plane for a getaway anytime soon, you can make your own backyard your very own relaxation spot. There are a variety of ways that you can get your backyard to a place of zen. 


Focus On The Deck


Your deck can become its own destination. If you have room for multiple levels, use each site for different activities like dining and relaxing. You can use plants or other outdoor items to define the designated spaces on the deck. At the same time, the entire landscape of the area will blend in together, looking natural. 


Make Your Yard An Extension Of Your Home


Your yard can become an extension of your homeís interior pretty easily. Whether you have a season room, a deck, or a patio, youíll want to be outdoors as much as possible. You can design any of these spaces to be an extension of your homeís architectural design and interior design. From the way your furniture is laid out to the colors you choose to the overall design of the room or patio space, youíll be able to bring the overall feel you want for your home both indoors and out. 


Create Your Dream Kitchen Outdoors


If you love to eat outdoors and spend a lot of time grilling, an outdoor kitchen could be for you. Any kind of grill will do. To make your outdoor kitchen complete, youíll need a prep space, complete with countertops. Installing a separate burner will bring your outdoor cooking experience to the next level. If you have the resources, add an outdoor refrigerator and sink to make both the preparation of food and the outdoor cleanup process easier.


Keep Your Privacy 


You want to keep your yard private when you create the perfect outdoor space. Enclosing the space will make your yard feel more like a private escape if it has some sort of enclosure. You can use anything from a fence to walls to bushes and trees. Get creative with how you ensure your privacy.


Make Sure You Have Shade


Even if you love the sun, the shade can be welcome on a hot, bright day. Thereís so many ways that you can create shade including using umbrellas, awnings, or natural shade from trees and greenery.  


Define Your Space


You can make your space even more of a pleasant place if you use some sort of structure to define it. Things you can install include a gazebo, pergolas, arbor ways, trellises, or other outdoor structures. If you have a pool, a pool house would add to this division of your yard. Itís not a bad idea to have your entire yard categorized in different spots just like your deck to make your yard an oasis.




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Posted by Amanda Bruen on 7/17/2017

This 3 year old four bedroom colonial being the only home on the side of the dead end street gives you plenty of space to enjoy. you will like the hand crafted stone columns and walkway with a nice kitchen that you will enjoy the open concept as you entertain. Large windows allows in the natural light. The unfinished walk out basement with day light windows offers you many options as a finished den, office or crafts room. still having plenty of storage.

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Posted by Amanda Bruen on 6/20/2017

When you find a home that you love, you probably already have been pre-approved by a bank for a certain amount that will enable you to buy a home. Once you put in an offer on the home and itís accepted, however, you may need to take a step back. The appraisal can help you to know what the value of the home actually is. The bank may decline your loan based on the appraisal This is one of the most important steps to obtaining the financing that you need to purchase a home. 


What Is An Appraisal? 


In a nutshell, an appraisal protects the bank from investing in a property thatís worth less than what theyíre paying for it. This process also protects you as a buyer from buying a property thatís worth less than what youíre expecting it to be worth. 


Although the appraisal makes sense financially, it doesnít mean that the process wonít be emotional for you as a buyer and for the sellers as well. The appraisal can in fact make or break the purchase of what you consider as your dream home. Thereís a lot of data thatís collected for the appraisal, which can cause nerves to be shot on both sides while the value of the home is being calculated.     


Whatís The Difference Between The Inspection And The Appraisal?


A home appraisal is much different than an inspection. The home inspection is important in its own right. As a buyer, you hire a home inspector to find any potential problems or hazards that could be big issues for you in the future as a homeowner. While property appraisers will make note of glaring issues, they wonít check out the nuts and bolts of the home like a home inspector will. The home inspector checks out everything from the air quality to the chimney to the toilet and sinks. Thereís many things that will affect your home appraisal. In other words, if youíre a seller, you want to get major issues fixed before you put your home on the market. Home inspections will be very important for different reasons to you as a buyer since it will be valuable to you in the future. Appraisers may request an inspection if they notice something serious within the home, but they are more interested in the value of the property than the direct problems that are within the home. 


Who Will Pay For The Appraisal?


Generally, the seller will pay for the home appraisal along with the closing costs. This can be a few hundred dollars. In certain circumstances the buyer may agree to pay for the appraisal, however.   


What Goes Into Calculating The Worth Of A House?


Appraisers look at many different factors including: 

  • The square footage of the property
  • The number of bedrooms
  • How many bathrooms the home has
  • The condition of the home
  • How much have comparable properties have sold for in the area
  • Safety issues
  • Other factors pertaining to health and safety            


The appraisal process can seem complicated, but once youíre educated on the matter, youíll be prepared when it gets to that point in the home buying process.





Posted by Amanda Bruen on 6/9/2017

Say goodbye to mowing lawns and shoveling walkways! Enjoy the convenience of Condo living in a single family home at lovely Carrington Estates in Bradford! Bright and airy ranch with open concept and spacious 6 room, 2 bedroom 2 bath with full finished basement and attached garage. Kitchen with granite counter-tops and stainless steel appliances with gleaming hardwood floors lead to private deck. Open floor plan dining room/living room combo with gas fireplace. Eat-in kitchen with stainless steel appliances, recent granite counter tops and tile backsplash and hardwood flooring. Central air and interior sprinkler system. Charming neighborhood, conveniently located near Rts. 125 and 495, train, park, athletic club, ski area, college, the new Caleb Dustin Hunking Middle School (being built), restaurants and shopping.

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