Brenda Titus REALTOR® Broker/Owner - CENTURY 21 Classic Gold



Posted by Brenda Titus REALTOR® Broker/Owner on 8/10/2020

When you buy a home, there’s more to shop for than just the right place to live. Before you settle with a lender, you should shop around a bit. You want to be sure that your lender has your very best interests in mind when you’re in the midst of making one of the biggest purchases of your lifetime. Below, you’ll find some of the most important questions that you need to ask a lender while you’re in the process of buying a home.


Do You Offer Any Special Programs?


Choosing the right lender involves choosing a firm that offers the types of programs that will be helpful to your specific situation. You should look for a lender that offers a wide array of loans to suit your needs. Beware of any lender who tries to push you into a certain type of loan, especially if you don’t feel that it is a good fit for you. 


Do You Understand The Terms Of Certain Types Of Loans?


If you are seeking a certain type of loan, you probably should tell your lender that upfront. Of they seem familiar with it and have worked with the loan before, you’re in good hands. If the type of loan that you’re looking for is more uncommon, then you may need to shop around carefully for the right lender who understands your needs. 


Do I meet The Qualifications For Specific Loans?


The requirements for the same loan at two different lenders could be different. Things like your credit score could be a big factor. If you have a less than desirable credit score, this would also prompt you to want to look around a bit. You should know that different lenders have different terms and looking at a few lenders could be beneficial to you.


What Are The Mortgage Rates?


You’ll need a general ballpark idea of what rates will be for you when you finally secure that home loan. Keep in mind that rates fluctuate often and that an estimate will be just that. It’s not a number that will be set in stone, however, it will give you a good place to start as you shop around for a loan. 


Do You Help With Down Payments?


There are many down payment assistance programs available and your lender can help you to navigate them. The more you put down, the better your interest rate will be. If the amount that you’re able to put down on a home is a factor for you, definitely discuss it with your lender.


Can You Provide Pre-Approval Proof?


In hot real estate markets, you’re going to need some proof that you’re pre-approved in order to have the upper hand once you put in an offer on a home. Your lender should be able to provide your real estate agent with a certified letter of your pre-approval and the amount. 


Choosing the right lender is just as important as choosing the right realtor and the right home to buy. It’s just another part of the home buying process!




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Posted by Brenda Titus REALTOR® Broker/Owner on 8/3/2020

Photo by Vegan Liftz from Pexels

Some people seem like born organizers, especially when it comes to meal planning. In reality, it's a skill you can cultivate. Let us show you how to do just that, in five doable steps.  

1. Commit to the Effort

Any goal — exercising more, learning a new language or planning meals — starts with making a commitment. When you decide to get organized about planning meals, write down ways this new skill can help you. Start by asking your family or friends what they like to eat. Choosing people you actually cook for enables you to factor in their preferences.

2. Choose a Method that Fits Your Lifestyle

If you work full-time, you might not have time to cook fresh meals every day. Here's an example that nets you several meals with a few main ingredients. Buy a rotisserie chicken for one dinner, use some of the leftovers on a fresh salad the next night, then change it up by throwing the remaining meat into yummy chicken tacos. That's three meals down. Does roasted pork loin with veggies sound great for Sunday dinner? You can use the leftovers to make pulled pork sandwiches on Monday.

3. Map Out Your Meals with Recipes & Shopping Lists

You can also map out two weeks of menus at a time. This saves trips to the grocery store and makes it easy to plan meals around ingredients that fit more than one recipe. Remember to give yourself a break. This could mean occasionally eating out or including easy-prep meals to take the pressure off. Once you creating a grocery list that strategically maximizing all the ingredients you have to buy, work on another two-week meal plan. Eventually, you'll have several go-to roadmaps, complete with recipes and grocery lists, to feed your family two weeks at a time.

4. Cook Perishables First

If your meal plan includes perishable items, make those early in the week. Save simple omelets or pasta plates for further out to minimize trips to the grocery store. Balancing fresh and frozen goods can save money and allow you to buy some items in bulk. Many people over buy fresh produce and end up throwing it out when it goes bad.

5. Critique Your Success

After you eat a meal, take time to ask everyone for an honest evaluation. Make it fun with a star system. Gold stars are definitely do-overs. Bronze stars and below may need to be replaced on the roster.




Tags: Cooking   meal planning  
Categories: Uncategorized  


Posted by Brenda Titus REALTOR® Broker/Owner on 7/27/2020

Post

Image by StartupStockPhotos from Pixabay

Unless you're a first-time home shopper, you'll need to acquire your next home while selling your current home. How do buyers finesse this?

When buyers are competing with each other for a tight inventory of available homes, the ones who are ready to come to the table fastest, not the ones with contingencies, are most likely to succeed.

So, what's an ordinary buyer to do? Here are the top solutions—not all for the faint of heart!

  • The collaboration: Ask the buyer of your current home to go ahead to closing, but let you rent it for a month or two past then. If the buyer really wants your place and is in the position to do it, your problem is solved. Obviously, this arrangement isn't for all buyers. But every situation is unique, and this might work for yours.
  • The photo finish: Plan to schedule simultaneous closings on both homes, if a motivated, approved buyer can agree to wait for you to complete your purchase. It's been done. There is some risk here, not to mention moving van challenges! If your buyer has to pull out for any reason, you may still have to close on your new home. 
  • The bridge loan solution: With a bridge loan, you can purchase a home before selling, borrowing against your current home equity until you have the sale proceeds in hand. These are meant to be short loans. A bridge loan will get pricey if your home takes longer than expected to close. Steer clear of depending on this kind of loan for more that the span of a few weeks.
  • The contingent offer: You can line up a new home without having to take on the new mortgage until you're done with your sale. Yet few sellers are happy to accept contingent offers and hold on until a buyer's home sells. Contingent offer agreements usually only stay open for about 60 days and often have clauses that can accelerate the buyer's need to commit, allowing the seller to accept another offer. 
  • The sell-and-hotel method: This is a good way to reduce risks. Sell your home, take stock of your bank account, and know exactly what you can comfortably purchase. Store any furnishings you plan to take with you, and get a short-term rental for yourself. This means moving twice, but it also means you have money from the sale, and you're not buried under two mortgages.

Selling one home to buy the next makes the already complex matter of home buying...more so. But an experienced real estate agent can lead along the best path for your circumstances and put you in touch with financial professionals where needed. 




Categories: Uncategorized  


Posted by Brenda Titus REALTOR® Broker/Owner on 7/24/2020

This Single-Family in Carver, MA recently sold for $470,000. This Multi-Level style home was sold by Brenda Titus REALTOR® Broker/Owner - CENTURY 21 Classic Gold.


57 Bow St, Carver, MA 02330

Single-Family

$469,900
Price
$470,000
Sale Price

8
Rooms
4
Beds
2/1
Full/Half Baths
You won't find NEW CONSTRUCTION in this desirable and fully established neighborhood of VAUGHAN ESTATES, but you could own this "mostly new" Mulit-Level home which is ready to move into! Brand new spacious kitchen with stainless appliances (extended warranty) and granite countertops. All 3 baths have been nicely updated and new laundry room too. Hardwood floors and new neutral carpets. Interior has been fully painted (Revere Pewter). And then the bones...new heating and central air; all new windows, slider and garage doors; new pex plumbing and new well pump. Much of the siding and trim has been replaced. New blacktop driveway. Great location on West Plymouth line - just minutes to waterfront, shopping and highways. Just move in and enjoy your new home for years to come!

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Categories: Sold Homes  


Posted by Brenda Titus REALTOR® Broker/Owner on 7/23/2020

This Condo in Plymouth, MA recently sold for $315,000. This Townhouse style home was sold by Brenda Titus REALTOR® Broker/Owner - CENTURY 21 Classic Gold.


243 Carver Rd, Plymouth, MA 02360

West Plymouth

Condo

$319,900
Price
$315,000
Sale Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Well loved Townhome in desirable community of Clear Pond - only 11 homes, featuring beautiful lush grounds and a private sandy beach to enjoy fishing, swimming or kayaking. This unit has an attached garage (only 3 in the complex) and a full walkout basement (store your toys), Features 2-story foyer, open kitchen, dining and living room - hardwood floors and gas fireplace. This owner has maintained with PRIDE! Convenient West Plymouth location - minutes to shopping, highways and Plymouth Waterfront.

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Tags: Plymouth   Real Estate   Condo   02360  
Categories: Sold Homes  




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