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 9/10/2017

When you’re buying a home, it’s important to offer a good price to be able to land the property of your dreams. You also don’t want to overpay for the house you’re buying. If you want to know for sure that you’re paying a good price for a home, you’re going to need to do some price comparisons. Take a look at recently sold homes in your neighborhood of choice and see what the going rate is. If all of the homes are similar in the area, it will be easy to find out how much the home you’re buying is worth. There are a few ways that you can do comparisons to make it easier for you to determine the right price for the home you want to buy. 


Take A Look At The Neighborhood


There are certain features that attract nearly everyone to certain neighborhoods. From the safety and friendliness of an area to the schools that are nearby, to the stores, and public transportation access, people are attracted to what makes their lives easier and more enjoyable. The bottom line is the more desirable the neighborhood, the higher the price of the homes in it. 



Check Out Public Records


With the Internet, it’s pretty easy to access public records these days. You can take a look at what properties have been bought and sold for in recent times int the area of the homes that you’re looking at. You can even take a peek at some historic information to help you see if the area is up-and-coming.


Is The Neighborhood Going To Become Trendy?


Sometimes, you can find a great property for less in a neighborhood that hasn’t quite reached it’s full potential yet. If there’s a slot of new construction going on, that’s a good sign that the neighborhood is moving on up! Especially attractive features in a neighborhood are new schools, new shopping centers, or new parks.                


There Is A Tipping Point To Growth


If it seems that a neighborhood is growing a bit too much, it may actually decrease the value of your home. Huge commercial developments can actually be detrimental to the value of a property. Where there’s a lot of people, there’s also a lot of noise and traffic. That’s usually not a desirable factor in a neighborhood.    


Meet In The Middle


When you’re looking at the price of properties, the best bet is to meet somewhere in the middle for what is reasonable. While you don’t want to buy the highest priced home in the neighborhood, you probably don’t want to lowest price for that neighborhood either. Working with a more average number is a good option because your home helps any home lower priced than yours, while any higher priced homes help to increase the value of your home. It’s a win-win situation when you choose a property based on price and keep this strategy in mind.    





Posted by Eliane Consalvo on 8/27/2017

Purchasing a house can be tricky, particularly for those who are dealing with a high-pressure negotiation. Luckily, we're here to help you get the best results from any homebuying negotiation, at any time.

Now, let's take a three must-haves for those who are getting ready to negotiate a home purchase.

1. Housing Market Data

An informed homebuyer is a smart shopper. As such, this individual will obtain a large assortment of housing market data that he or she can use to make the best buying decision.

For homebuyers, it is important to understand how one house stacks up against comparable residences in any real estate market. That way, a homebuyer can submit a competitive offer that is based on pertinent housing market data.

Examine the prices of recently sold houses similar to the one that you'd like to buy. Also, check out the prices of comparable houses that are currently available. And with this housing market data at your disposal, you can boost your chances of getting the optimal price for your dream residence.

2. Self-Confidence

Let's face it – a homebuying negotiation is stressful, regardless of whether you're a first-time homebuyer or have purchased many residences over the years. But if you remain confident throughout a negotiation, you can take a calm, cool and collected approach, even when times get tough.

A confident homebuyer will have no trouble standing his or her ground during a negotiation. And if this individual is uncomfortable with a home seller's counter-proposal, he or she will be willing to walk away and restart a home search.

Furthermore, a confident homebuyer will remain open to new ideas and consider the home seller's perspective. This will enable a homebuyer to examine both sides of a negotiation and proceed accordingly.

3. An Experienced Real Estate Agent

When it comes to negotiating a home purchase, there is no need to handle a negotiation on your own. Fortunately, an experienced real estate agent is happy to offer guidance at each stage of a homebuying negotiation.

An experienced real estate agent understands what it takes to purchase a great home at an affordable price. As a result, he or she will go above and beyond the call of duty to negotiate with a home seller on your behalf.

Typically, an experienced real estate agent will act as a liaison between a homebuyer and home seller. This housing market professional will keep you up to date about whether a home seller accepts or rejects your proposal to purchase a home. He or she also will provide recommendations and suggestions to help you transform a stressful negotiation into a successful one.

Perhaps best of all, an experienced real estate agent is ready to respond to your homebuying concerns and questions. He or she will provide you with the support you need to ensure you can make informed decisions throughout a homebuying negotiation.

Get ready for a homebuying negotiation – consider the aforementioned factors, and you can move one step closer to finalizing a home purchase.





Posted by Eliane Consalvo on 1/8/2017

You may be considering buying a home but it is hard to know if you are ready to be a homeowner. It can be a big step. Buyers that educate themselves on the process and set realistic expectations have the best experiences. To gauge whether or not you are ready to own your first home you should ask yourself some serious questions.

  • Are you in a lease or is your living situation easily changed?
  • Do you need to remain in your current community or would you be willing to move?
  • Do you have the time and resources necessary to make your first home purchase a success?
If you have answered these questions favorably you may well be on your way to homeownership. The next step is to evaluate your financial situation. Here are some questions to check your financial readiness.
  • Do you have a steady source of income?
  • Do you know your credit history?
  • Do you have a down payment ?
  • Are you ready for the financial responsibilities that coincide with home ownership?
If your answers to these questions are positive then it is time to get the loan process started to see how much you can afford. A reputable lender will give you realistic expectations and many offer a free consultation for buyers seeking pre-approval. Now it is time to start your search. Working with an agent that you trust and are comfortable with is very important. My skills include educating you about the buying process, negotiating, having your best interest in mind and helping you find a perfect first home while hopefully saving you time and money.




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Posted by Eliane Consalvo on 9/18/2016

Buying a home is a very important decision. Before you rush into a home you should consider all the factors. Making sure you end up with the right home involves figuring out exactly what features you need, want and don't want in a home. Before starting your search, you should make a "wish list" to decide which features are absolutely essential, which nice “extras” are if you happen to find them, and which are completely undesirable. The more specific you can be about what you're looking for from the outset, the more effective your home search will be. Also keep in mind, that in the end, every home purchase is a compromise. Create your own personalized "wish list" and when you're finished filling it out; share it with your real estate agent. Become an educated buyer •The web is one of the best ways to search for homes today. With this website, you can receive daily emails with new and updated listings from the towns and price range of your choice. •Search the entire MLS for all homes, condos, land, multi family, commercial properties, and past sold properties at your convenience. •View full listing sheets showing amenities, taxes, lot sizes, beds, baths, rooms, siding, fireplaces, garages, room sizes and much more. •Get property addresses and see where the properties are located on MapQuest. •Check schools and community profiles of your preferred towns. •Save preferred listings in your own file to view anytime. •Calculate approximate mortgage payments for specific properties. Home Inspection Once you have made an offer on a home, you will need to schedule a home inspection, conducted by an independent authorized inspector. It is extremely important to hire a reputable inspector so that you know exactly what you are buying. Do not hesitate to ask friends, family, and co-workers for advice. If you are satisfied with the results of the inspection, then you can proceed with the sale. If the inspector finds problems with the property, you may want to negotiate with the seller to lower the price, or to pay for certain repairs. Appraisal Your lender may require you to get an appraisal of the house you want to buy, to make sure it is worth the money that you are borrowing. You may select your own appraiser, or you may ask your real estate broker to help you with this task. Homeowner's Insurance Lenders require that you have homeowners insurance, to protect both your interests and theirs. Like everything else, be sure to shop around for insurance that fits your needs. Settlement or Closing Finally Make Sure Before you Buy Finally, you are ready for the closing. Be sure to read everything before you sign! You should have both your real estate broker and an attorney present at the closing to ensure that all is in order.