Eliane Consalvo - KELLER WILLIAMS REALTY / Merrimack Valley



Posted by Eliane Consalvo on 10/15/2017

Tired of renting an apartment? Buy a house, and you can reap the benefits of homeownership for years to come.

Ultimately, there are many wonderful reasons to start a search for your dream home today, including:

1. You can enjoy the freedom of owning your own residence.

Let's face it nothing beats the freedom of owning your own residence, and perhaps it is easy to understand why.

If you launch a search for your own house, you can find a residence that matches your personality and budget. Plus, you can always decorate and customize your house however you choose. And if you complete myriad home upgrades or maintenance, you may be able to boost your house's value something that may prove to be important if you eventually decide to sell your residence.

2. You can capitalize on various tax benefits.

Believe it or not, buying a house may enable you to reap myriad tax benefits.

The U.S. Tax Code allows homeowners to deduct the interest paid on a mortgage and property taxes. Also, if you study the U.S. Tax Code closely, you may find that you can deduct some of the costs involved in a home purchase.

3. You can pay predictable housing costs for a set period of time.

With a fixed-rate mortgage in hand, you can pay the same amount each month for the duration of your mortgage. This means you won't have to worry about fluctuating housing costs; instead, you'll pay the same total each month without exception.

Of course, homebuyers who choose an adjustable-rate mortgage can enjoy fixed housing costs for a set amount of time too. On the other hand, those who select an adjustable-rate mortgage likely will need to plan ahead for a potential increase in mortgage costs after three, five, seven or 10 years.

Clearly, there's a lot to like about buying a house. For those who want to enter the housing market today, it certainly helps to work with an experienced real estate agent as well.

A real estate agent allows you to take the guesswork out of pursuing a residence in any housing market, at any time. In fact, this housing market professional will ensure you can streamline the process of going from homebuyer to homeowner.

In most instances, a real estate agent will keep you up to date about new houses as they become available, teach you about the ins and outs of shopping for a residence and set up home showings. Furthermore, a real estate agent will negotiate with home sellers on your behalf, guaranteeing that you can get the best price on any house.

Perhaps best of all, a real estate agent is available to respond to any homebuying concerns or queries. This means you can get the expert insights that you need to make informed decisions at each stage of the homebuying journey.

Take the next step to pursue your dream residence employ an experienced real estate agent, and you should have no trouble transforming your homeownership dream into a reality.




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Posted by Eliane Consalvo on 10/12/2017


200 Market Street, Lowell, MA 01852

Downtown

Rental

$1,375
Price

3
Rooms
1
Beds
1
Baths
Downtown single floor living at its best! Desirable downtown unit at Canal Place 2.Canal views and South facing unit. Open floor plan. Kitchen/dining area with washer/dryer combo in unit. Bright and open area. Parking in attached City Garage Tenant rents for $48/per car. Direct access from garage to building. Heat and AC are included in rent. Near Tsongas Arena, Theaters, Lowell Auditorium, many popular restaurants, outdoor concerts, the arts, Middlesex Comm College, UMass Lowell. Easy access to Rtes. 3, 495, 93, Lowell Connector. Available Nov. 1st.
Open House
No scheduled Open Houses

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Tags: Real Estate   Rental   Lowell   01852  
Categories: New Homes  


Posted by Eliane Consalvo on 10/8/2017

If you're a homeowner or are planning to become one in the near future, hiring contractors to maintain and upgrade your home is a fact of life. Although older homes often need more TLC than newer ones, "newness" (like youth) can be a fleeting quality! Time passes quickly, and before you know it, your house needs a fresh coat of paint, landscaping improvements, or even wet basement solutions.

There may be times when you're tempted to accept the first estimate you're given for a home improvement project, but there are sound reasons for taking your time and choosing home contractors carefully and in a methodical way.

  • Saving money: It's not unusual for one home contractor to quote a price that is literally thousands of dollars more than the competition. While, on one hand, very low prices may be a sign of inferior quality, there is no guarantee that high prices assure superior quality. Fortunately, there are plenty of good contractors who charge competitive prices and make it their business to provide customers with exceptional value. If you get references, read online reviews, and make sure your prospective contractor has all the necessary insurance coverages, licenses, and relevant experience, then you'll be ready to make an informed decision based on quality, service, and pricing. Regardless of the caliber of a contractor's work, if you don't get at least two or three estimates, you'll always be wondering if they overcharged you. When you get multiple quotes, you'll never be plagued by that nagging question!
  • Getting helpful ideas: In addition to finding a qualified tradesman with solid expertise, project management skills, and competitive pricing, it also pays to choose one who offers innovative suggestions and creative ideas. By interviewing three contractors, you'll gain insights into their communication style, their overall attitude, and their willingness to provide helpful advice when needed.
  • Personality factors: After meeting with prospective contractors, you'll know which of the three you feel the most comfortable doing business with. Many home improvement projects can easily last between 3 days and a couple weeks, so you'll tend to be a lot more satisfied with a contractor who's courteous, punctual, above the board, friendly, professional, and customer-service oriented. If they seem annoyed with your questions or evasive in their responses, you can be reasonably sure there will be problems down the road in working with them -- possibly even quality assurance issues. If they tend to complain about other customers or berate their competition, then that is also a potential red flag.
Once you've received three project proposals and are able to compare "apples to apples," you're in a good position to choose the right contractor for your needs -- one who takes pride in their work, looks for solutions not problems, and provides a high level of customer value for a good price.





Posted by Eliane Consalvo on 10/2/2017

Rising urban rents, created by urban development initiatives, especially in major cities, may cause some people to relocate to the suburbs or to seriously consider homeownership for the first time. At its best, urban development creates business expansion, solid social and community infrastructures and easy access to public transportation and public services. Urban development can also put restaurants, historic sites and entertainment within walking distance. Those are the pluses. Zoning laws can also entice developers to raise urban rents, impacting your cost of living, whether you rent an apartment or a house. And you said that you'd never move to the suburbs or buy a house before you'd saved a hefty down payment. Save money when you move from renting to homeownership Its not only rising urban rents that may cause some traditional renters to think about buying a house. Low mortgage interest rates, growth in large New England cities and an increase in housing values can also make buying a house attractive. Even over a short term, opportunity to pay a $1,500 mortgage on a house you could one day own outright versus paying $2,500 a month in rent that could rise in another year can quickly look like the smarter option. To counter rising urban rents, empower yourself with housing price negotiation tools. Types of housing price negotiation tools include:

  • Strong down payment (you may have to give yourself one to two years to save a good down payment)
  • Good credit scores
  • Flexibility regarding house type and location
  • Rewarding money management habits
  • Job stability
  • Knowledge about housing markets
  • Clarity around what you want in a house
The sooner you start building resources to use during housing price negotiation discussions, the more influence you may have on the overall price you pay for a house, including closing costs. Start early; be open to change and track your results. Make yourself attractive to sellers and lenders If you recently started a new job and only worked six to nine months at your two previous jobs, you may have more price negotiation power if you wait to buy a house until you've been at your current job more than a year. Signs of job stability can put you in a better light in the eyes of lenders. Despite how long you've worked with your current employer, start paying debts down. For example, you could make larger payments on credit cards, starting with credit cards that have higher interest rates. If you have student loans in default, contact lenders and set up workable payment arrangements. Reduce spending on clothes, takeout food and other entertainment. Put this money in an account that youll use to grow your down payment. Also, learn about current mortgage interest rates including different types of mortgages like adjustable and fixed mortgages. You could ask friends and consult local government agencies to find out what average property taxes are in areas you are considering buying a house in. After you identify debts that you are going to pay off, where you want to live, the type of mortgage you want and the average property taxes in areas youd like to buy a house in, compare the total cost of buying and owning a house to renting. Compare immediate costs, which would include the down payment, house inspection fees, realtor commissions and any travel costs, and long term costs of owning a house versus renting. You might find that its cheaper to buy a house versus renting, especially over the long term.





Posted by Eliane Consalvo on 9/24/2017

A yard sale offers a valuable opportunity to get rid of items before you sell your house. As such, it is important to promote your yard sale effectively; otherwise, you may miss out on a chance to declutter and earn extra cash at the same time.

Ultimately, there are many quick, easy ways to stir up interest in your yard sale, such as:

1. Post flyers in your city or town

Old-fashioned flyers can help you promote your yard sale to large groups of people in your city or town. That way, you can create a buzz around your event and increase the likelihood of selling your stuff.

If you use flyers to promote your yard sale, be sure to include essential information like the location, date and time of your event. Also, using bright, vibrant paper and colorful markers may help your flyers stand out.

Ensure that all of your yard sale flyers are legible, accurate and easy to understand. This will help minimize the risk of miscommunication with potential event attendees.

Of course, it never hurts to ask business owners for permission to post flyers at local companies, either. The more flyers that you post, the more likely it becomes that your yard sale will be a resounding success.

2. Create an online posting

An online posting makes it simple for you to provide details about your yard sale to large groups of people.

Putting an online posting on Craigslist or local community websites may prove to be worthwhile. And in some instances, you may even be able to include photos of items that you plan to sell at your yard sale.

In addition, invite friends on Facebook and other social networks to attend your upcoming yard sale. By doing so, you can boost your chances of stirring up substantial interest in the days leading up to your event.

3. Select the right date and time

Oftentimes, Saturdays and Sundays are the best days to host a yard sale, and for good reason. Many people don't have to work on weekends, and as a result, may have free time to attend your yard sale.

After you know which day of the week that you want to host your yard sale, consider the date and time of your event closely.

Take a look at the holiday calendar, and you should have no trouble selecting a yard sale date that works well for most people in your area.

Think about the time of your yard sale too. And remember, if you host a yard sale that coincides with local community events, it may be difficult for some people to attend.

Lastly, if you need extra help stirring up interest in your yard sale, don't hesitate to reach out to your real estate agent. This housing market professional may be able to share details about your upcoming yard sale with clients and colleagues.

Generating buzz in a yard sale can be easy, and with the aforementioned tips, you can stir up plenty of interest in your event.




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