Sonia Rollins
EXIT Premier Real Estate | 781-454-6043 | [email protected]


Posted by Sonia Rollins on 10/14/2018

Your kitchen floor is what makes a statement in your home. The floor of the kitchen sets the design tone for the entire room. The choices for your kitchen floor are seemingly endless with tile to hardwood to everything in between. While the kitchen floor may not be on the top of the list during your kitchen remodel, it should be. These floors take quite a beating due to food being dropped, entertaining, foot traffic, and just overall frequent use. The flooring of the kitchen will help to pull the look of a room together and help to add value to your home. The floors should help accent the counters, appliances, and cabinets. Here, weíll take a look at some of the most common kitchen flooring materials with some advice on how to choose whatís right for you

   


Stone Or Tile


These choices are perfect especially if your kitchen is a heavily traveled area. Letís face it, most kitchens are where people come in and out, looking for food! Your decision will depend on where your kitchen is to the relationships of the main entrance to your home. 


Cork


This is a durable material thatís quite versatile and available in a variety of colors to suit your style. The great thing about cork is that it is water-resistant and it reduces noise from impact. This could be a great choice if you have children who love to run around and you also have a need for a quiet space upstairs. 


Wood Floors


Wood is to kitchen flooring what granite is to kitchen countertops. Wood just makes a kitchen feel classy. Itís great under your feet and durable at the same time. Wood can withstand heavy traffic, water stains, food spills, and more. You can even go for a less expensive alternative that gives the same look and benefits of wood for less.


Vinyl Flooring


If youíre on a budget, vinyl kitchen flooring is the way to go. these floors offer a variety of styles and color choices. The material can be purchased either in tile or sheet form.


Laying Down The Flooring


One of the biggest mistakes that homeowners make is not hiring professional help when needed to install things in the home. This applies to flooring as well. If you donít feel comfortable laying down tile, or whatever type of flooring you choose, call the people who know how to do it best. Improperly installed flooring can lead to bumps, cracks, and the need for yet another new floor much sooner. It could be worth the extra investment to hire professional help to install your new kitchen floor.





Posted by Sonia Rollins on 10/7/2018

If youíre a first time homebuyer and want to start weighing your mortgage options, youíll have much to learn. With so much at stake, youíll want to make sure you choose the best mortgage for you now, and one that will still suit your needs years into the future.

Sometimes, first time buyers are hesitant to ask questions they may consider too basic because they donít want to seem inexperienced to lenders, agents, or anyone else theyíll be in contact with throughout the home buying process.

So, in this article, weíve compiled a list of commonly asked mortgage questions that first time buyers might want to ask before heading into the process of acquiring a home loan.

What is the first step to getting a mortgage?

This question may seem straightforward, however the first step can vary depending on your financial situation. For those who already have saved up for a down payment and built a solid credit score, the first step is probably contacting lenders and getting preapproved or prequalified.

However, if you arenít sure about your credit score and havenít saved up for a down payment (ideally, 20% of what you hope to spend on the house), then you should address those matters first.

To find a lender, you can do a simple Google search for the mortgage lenders in your area, or you can ask around to friends and family to find out their experience with their own mortgage lenders.

What does it mean to be pre-qualified and pre-approved?

If you think of the mortgage process in three steps, the first step would be getting pre-qualified. This means youíve given the lender enough basic information for them to decide which type of mortgage youíre eligible to receive.

Pre-approval includes collecting and verifying further details. At this step, youíll complete a mortgage application and the lender will run a credit check. Once youíre pre-approved, your file can be moved to the underwriting phase.

What are closing costs?

ďClosing costsĒ is an umbrella term that covers all of the various fees and expenses related to buying or selling a home. As a buyer, you are responsible for paying numerous closing costs. These can include, but are not limited to, underwriting fees, title searches, title insurance,  origination fees, taxes, appraisal fees, surveys, and more.

That sounds like a lot to keep track of, however your lender will be able to give you an accurate estimate of the total closing costs when you apply for your loan. In fact, lenders are required to give you a list of these costs within three days of your loan application in the form of a ďgood faith estimateĒ of the closing costs.

What will my interest rate be?

The answer to this question is dependent upon numerous factors. The value of the home, your credit score, the amount you put down (down payment), the type of mortgage you have, and whether or not youíre paying private mortgage insurance all factor into the interest rate youíll receive. Interest rates also will vary slightly between lenders.

You can receive a fixed-rate mortgage that does not fluctuate throughout the repayment term. However, you also typically have the option to refinance to acquire a lower interest rate, however refinancing comes with its own costs.




Categories: Uncategorized  


Posted by Sonia Rollins on 9/30/2018

Shopping for a home is an exciting time for any hopeful homeowner. After weeks of scouring listings looking for the perfect home in the ideal location for you and your family, it can seem like youíve found the needle in the haystack.

When itís time to go visit that home, itís easy to put on rose-colored lenses and overlook issues that should, at the very least, be taken into consideration when it comes to deciding whether or not you should make a bid on the home and how much you should offer.

Todayís post is all about preparing you for that first viewing. Weíll give you tips on what to look out for and how to factor these things into your equation when it comes to making an offer.

Check the listing for omissions

Even if a home looks perfect on paper (or on its website listing), itís still quite likely that there are things youíll want to know about before considering an offer. A home listing should attempt to address several questions you might have. But ultimately, itís main goal is to attract interest in the home.

So, what type of things should be in the listing that the seller might leave out?

  • Poor street conditions, heavy traffic, and blind driveways are all things that will factor into your decision but most likely wonít be mentioned in a listing

  • Odors of any kind can be off-putting and difficult to remove. Some homeowners may not even know that their home has an offensive odor if theyíve become used to it.

  • Room omissions. If the home is listed as having two bathrooms but there are only photos of one, this could be a sign that there are problems with the second bathroom that the seller doesnít want you to see quite yet.

Top dollar home repairs

A professional home inspection will be able to give you an idea of the kind of money youíll need to spend on renovations in the coming years. But why wait? When touring a home, ask questions about the last time important renovations and repairs were made.

Roofs, septic systems, and electrical work are just a few of the things that are expensive to repair or replace. If the previous homeowner has a small family or lives alone and you plan on moving in with a houseful of kids, you might find that your impact on the septic and electrical systems of the home are too much for the house to handle. Youíll want to take this into account before considering a bid on the home.

Utility costs

The cost of heating a home in the winter and keeping it cool in the summer can be hefty if the home isnít properly sealed and weatherproofed. Ask the current homeowner what they spend per month on utilities to get an idea of what you might be spending.

Then, take a look at the windows and doors. Cracks, malfunctioning locks, and worn weatherstripping are all signs that the home will need some work to be energy-efficient.

Donít ignore the little things

Small fixes may not seem like a big deal when viewing a home. They can even deceive you into thinking that youíre getting a good deal by buying a fixer-upper for a price thatís lower than the market average.

However, itís important to keep in mind that small fixes around the house are a sign that bigger problems are also being neglected. Donít be too quick to assume the house will be a good deal before getting it professionally inspected.




Categories: Uncategorized  


Posted by Sonia Rollins on 9/23/2018

Everyone is looking for something different when it comes to finding the ideal home. While some people prioritize architectural styles and curb appeal, other house hunters place the most value on the quality of the school district and proximity to jobs.

Neighborhood quality is also a significant factor in house-buying decisions. What exactly does "neighborhood quality" mean, though? Although definitions may vary, the characteristics that are typically considered to be desirable include a low crime rate, relatively light street traffic, a minimal amount of "noise pollution," and neighborhoods in which houses and properties are consistently well cared for and in good condition.

If peace, quiet, and tranquility are high on your list of house-buying requirements, here are a few other items you might consider adding to your "wish list."

Space between neighbors: While it's generally a good thing to get to know your neighbors on a first-name basis, you don't necessarily want to get to know them too well -- or vise versa! In other words, it's nice when you can sit out on your back porch without having to be too concerned about being overheard or needing to edit your conversations. If privacy is a top priority for you, then you might want to limit your search to properties that provide a comfortable buffer zone between houses.

Greenery and privacy hedges: A residential street with green, well-tended lawns and mature, leafy trees is not only visually appealing, but it's also a sign that people take pride in their property and care about the neighborhood. Homes for sale that offer a "park-like setting" on a nice street can be the ideal environment for creating a private, backyard refuge.

Fireplaces: Even if a fireplace is not on your "must have" list, it's a relatively inexpensive luxury to have and enjoy during the holidays and when the temperature drops. Regardless of the climate in which you live, there are going to be plenty of wet, cloudy, or snowy days during the winter months. When the weather turns chilly, there's nothing like a crackling fire in the fireplace to infuse your home with a cozy, relaxing atmosphere!

Large windows: Large bay windows, picture windows, and floor-to-ceiling windows not only let in a lot of natural light, but they also help you enjoy views of your neighborhood and backyard. That combination of sunshine, green foliage, a well-landscaped property, and the smell of freshly cut grass can set the tone for a relaxing home environment -- both indoors and out! Along those same lines, a sunroom can also be a highly desirable feature in a new home you're considering buying.

Although there are a ton of things you can do to enhance the beauty and relaxation value of your next home, the starting point is to find a peaceful neighborhood and a spacious, nicely landscaped property on which to add your own personal touches.





Posted by Sonia Rollins on 9/22/2018

Charming 4 bedroom cape located on a tree lined street awaits its new owner. Ample living space on the first floor with large formal living room with gas fireplace, formal dining opening to an additional family room with vaulted ceilings, lower level bedroom (currently being used as a den) and an eat in kitchen that opens to a heated sunroom for use all year long. Upstairs an additional 3 bedrooms with full bath, all boasting hardwood floors and custom built ins that show the true charm of Cape style homes. Basement is dry and can easily be additional living space. Situated on a half acre lot, the home offers a level private backyard and one car garage. Lovingly maintained for many years, it is in move in condition while still affording you the chance to make some updates of your own. Minutes away from many great amenities, including Wildwood Park, this one is worth a visit. Call today for your private showing!

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