Julie D'Arcangelo - Coldwell Banker Residential Brokerage



Posted by Julie D'Arcangelo on 6/19/2018

When it comes to home buying a home, there’s a ton of different information available out there. A lot of what has been presented as “fact” actually is quite false. These misconceptions could keep you away from achieving the very real dream of home ownership. Below, you’ll find some of the most common myths that you’ll find about home buying.


If Your Credit Score Isn’t Up To Par, You Can’t Buy


To get good mortgage rates, having a good credit score doesn’t hurt. You can still buy a home if you don’t have amazing credit. A low credit score means that your mortgage rates will be higher than the average. There are loans like FHA loans, that allow for you to get a loan with a credit score as low as 580. Don’t let a lower credit score discourage you from buying a home. If your credit score is low, there are plenty of things that you can do to help you fix the score in a short period of time.  


You Need 20 Percent Down To Buy A Home


This is a long-standing myth about home buying. While putting down 20 percent on a home purchase saves you the extra expense of Private Mortgage Insurance (PMI), you can still be in the running to buy a home if your down payment is less than 20 percent. There are even some home loan programs that allow buyers to put as little as 0-3 percent down for the purchase of their home.


You Have To Make A Lot Of Money To Buy A Home


Your monthly income is one of many aspects of your financial life that’s considered when you’re buying a home. Home loans can be denied to those who make a large income just as easily as to those who have lower incomes. What matters is the debt-to-income ratio, which tells lenders how much debt a buyer has compared to the amount of income the buyer makes each and every month. Keep your debt down, and you’ll be in good shape to buy a home. 


You Don’t Need To Be Pre-Approved To Get A House


Being pre-approved gives you an upper hand in the home buying process. Being pre-approved allows your lender and you to go through the entire process of getting a mortgage. When you find a home that you love, you’re able to breeze through the process of making an offer if you’re pre-approved. The pre-approval process is one of the most important aspects of buying a home. 


If you’re prepared with knowledge, buying a home isn’t such a daunting process after all. Find a realtor you trust, understand your finances, and the rest will fall into place!




Tags: Buying a home   finances  
Categories: Uncategorized  


Posted by Julie D'Arcangelo on 6/14/2018

This Single-Family in Raymond, NH recently sold for $344,000. This Colonial style home was sold by Julie D'Arcangelo - Coldwell Banker Residential Brokerage.


8 Sherry Lane, Raymond, NH 03077

Single-Family

$350,000
Price
$344,000
Sale Price

3
Bedrooms
8
Rooms
2/1
Full/Half Baths
Don't miss this one! Best yard in the neighborhood! So much room in this family friendly welcoming 3 bedroom colonial in desirable Westgate Estates. Open and spacious floor plan features fabulous fireplaced great room with cathedral ceiling. Create a formal dining room in the current den, knowing there is lots of room for a full dining set in the open concept kitchen area with kid friendly wood flooring. Central AC makes summer living a breeze. Room for the whole crowd in the 23x15 family room with cathedral ceiling and cozy fireplace. Majority of interior freshly repainted and Brand new Berber in family room and entire 2nd floor. First floor laundry room with cheerful and convenient half bath. Second floor master suite with walk-in closet and full bath, plus two generous size bedrooms with additional full bath on the second floor. Unfinished third floor walk up offers additional space for bedroom, office or playroom. Very large basement has high ceilings, daylight windows and has interior walk up staircase as well as bulkhead door. Plenty of storage in the basement and oversized two car garage. Landscaped for privacy in front and back yards. Deck off eat-in kitchen perfect for entertaining -enjoy your electric sunsetter awning for perfect summer relaxation. Pond behind the house ideal for fishing and skating.






Categories: Sold Homes  


Posted by Julie D'Arcangelo on 6/13/2018

This Single-Family in Duxbury, MA recently sold for $530,000. This Raised Ranch style home was sold by Julie D'Arcangelo - Coldwell Banker Residential Brokerage.


97 Laurel St, Duxbury, MA 02332

Single-Family

$519,000
Price
$530,000
Sale Price

7
Rooms
4
Beds
2
Baths
Newly renovated 4 bedroom 2 full bath Raised Ranch on level lot. Light spacious kitchen upgraded with stunning cabinets and large island with extra storage, quartz counter tops, farmers sink and new stainless steel appliances. Full bath located off the kitchen with washer/dryer hook-up. Step down to the newly renovated living room with plenty of natural light. Stone fireplace with new wood burning insert, vaulted beamed ceiling, skylight and picture window finish off this great space. Master bedroom includes new hardwood flooring, sitting area with walk-in closet, master bath with jacuzzi tub and tiled shower. Welcome Home.....

Similar Properties





Categories: Sold Homes  


Posted by Julie D'Arcangelo on 6/12/2018

If you plan to buy a house, you may want to host a yard sale sooner rather than later. That way, you can sell items you no longer need and won't have to worry about moving these items once you find a new residence.

Ultimately, there are many reasons why it may be beneficial to host a yard sale before you kick off the property buying journey. These reasons include:

1. You can earn extra cash.

Let's face it – purchasing a home can be expensive, regardless of where you decide to live. Fortunately, if you host a yard sale, you can earn extra cash that you may be able to use to cover assorted homebuying and moving expenses.

Whether it's the costs associated with moving supplies or the closing fees on a new home, expenses can add up quickly during the homebuying cycle. Thankfully, by hosting a yard sale, you can simultaneously cut down on unwanted items and earn cash from these items.

2. You can start packing.

As you separate items you want to keep from those you want to sell, you can start packing for your eventual move. Thus, hosting a yard sale may help you kick off the process of moving from one location to another.

Of course, as you start packing, you also may want to reach out to local moving companies. This will allow you to learn about local moving companies, find out their rates and determine whether a moving company is a viable option for your eventual move.

3. You can move one step closer to finding your dream home.

Hosting a yard sale provides a great opportunity to connect with community members and tell them about your plans to search for a new house. In some instances, community members may be able to help you accelerate your search for your dream residence too.

A yard sale may prove to be exceedingly valuable for an individual who wants to start a house search soon. And if you are ready to explore the local housing market following your yard sale, you may want to consult with a real estate agent.

Typically, a real estate agent streamlines all stages of the homebuying journey. He or she will help you pursue houses in your preferred cities and towns so you can find your dream home. Then, a real estate agent will ensure you can submit a competitive offer to purchase your ideal residence. If your homebuying proposal is accepted, a real estate agent next will help you finalize your home purchase.

A real estate agent is an expert resource throughout the homebuying journey. If a homebuyer has questions as he or she searches for the right house, a real estate agent can quickly respond to them.

Host a yard sale before you purchase a house – you'll be glad you did. Because if you host a successful yard sale, you can take the next step to find and buy your ideal home.




Tags: Buying a home   yard sale  
Categories: Uncategorized  


Posted by Julie D'Arcangelo on 6/5/2018

If you’re hunting for a new home, it can be tempting to make an appointment to view as many as possible. However, it can be a better use of your time to narrow down the search beforehand and eliminate houses from your list based on some at-home research. That way you can use those extra hours for fine-tuning your home search and make sure you visit only the houses that will suit your every need.

In this article, we’ll teach you some ways to research a home, neighborhood and town before you take the time to visit.

Things to Research about Your Potential New Neighborhood

So you’ve found a listing that looks nice. Your next step should be to find out as much as possible about the area the home is in to make sure it suits your needs.

A good first step is to head over to Google Maps to find out which amenities are in the area. Schools, banks, grocery stores, restaurants, hospitals, parks… the list goes on. This is also a good time to map out how long it will take you on average to drive to work from this house and to see if it will lead you through any high-traffic areas that might affect your daily schedule.

You can also research other homes in the area to see if the house is selling higher or lower than average. This will give you a question to ask the real estate agent if you choose to reach out for further information.

Town statistics

Another step to take on Google for this home is to look up statistics for things like neighborhood crime, ratings for the school district, and the state of local businesses.

Is the area up-and-coming with healthy businesses and low crime? If so, it could be worth pursuing further.

If you’re planning on having children or already do, the quality of the education could be of importance to you.

Finally, get an idea of the local tax rates so you know how much you’ll owe the government for your property and excise taxes.

Researching the house itself

If you’re comfortable with the town and neighborhood, there’s still some research you can do online before you schedule a showing.

See if you can find out if the house belongs to a homeowner’s association. Look up their rules and fees to see if they’re agreeable to you and your family’s lifestyle and plans for the future.

Look up the sale history for the home. If there are several recent sales, this could be a sign of problems with the home or neighborhood. Similarly, if the price has increased or decreased dramatically more than nearby houses, consider asking the real estate agent why this is.

Finally, see if you can view the number of days the home has been on on the market, commonly abbreviated as “DOM.” This will give you some insight as to how desirable the home and neighborhood are.


Once you have all of the information at your disposal, you’ll be in a position to decide whether or not to schedule an appointment to view the home.







Julie D'Arcangelo
Tags