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Posted by New Age Real Estate on 5/10/2019

When it comes to finding the ideal neighborhood for your next home, there's no "one size fits all" formula.

While some people enjoy the hustle and bustle of an urban environment, others prefer a quiet family-oriented neighborhood in the suburbs.

Whatever your preferences, convenience is near the top of just about everyone's priority list. Here's why:

Closeness to Work: Long, daily commutes are not only stressful, but they can cause you to miss family dinners, school events, and relaxing evenings at home. There's also the added cost of gasoline, highway tolls, and wear-and-tear on your vehicle. If you happen to be leasing a vehicle, then long commutes could result in additional mileage charges at the end of your lease. Although car leases vary, exceeding the mileage allotment set by the leasing company can sometimes run you as much as 25 cents a mile. That can potentially add up to a hefty surcharge!

While there are a lot of reasons to look for a home that's relatively close to your job or business, quality of life issues are among the most important. As an example, if your daily commute is 45 minutes, each way, that adds up to an hour-and-a-half on the road. If you factor in occasional traffic jams, road repairs, and other inevitable delays, you're talking about more than eight hours a week just driving back and forth to work. It's equivalent to adding an additional work day to your week! Although it's not always feasible (especially in two-income households), there are major advantages to finding a house that's less than a half-hour commute to your job(s).

Proximity to Conveniences: Life will also be easier if you live close to a well-stocked supermarket. When you shop at a large, high-volume grocery store, prices are more economical and food tends to be fresher. Corner grocery stores and pharmacies are nice to have nearby when you just want to pick up a few quick essentials, but for selection, price, and freshness, supermarkets are usually your best bet!

Other desirable locations to keep in mind when house hunting include good-quality schools, reputable childcare centers, and proximity to family and friends. Depending on your lifestyle, you might want to be close to airports, major highways, recreational facilities, and entertainment. It can also be an advantage to choose a home near medical and dental offices, a veterinary clinic, and a preferred church, synagogue, or mosque.

When launching a search for your family's next home, the key to success is to stay focused, create detailed priority lists, and work with a seasoned real estate agent. Whether you decide to live in a rural area, suburbia, or downtown, a real estate agent has the knowledge, training, and negotiating skills to help you get a good deal and match your lifestyle goals with your budget and timeframe.





Posted by New Age Real Estate on 5/3/2019

You stroll through the door of the house that you just selected to be your family's new residence. It appears to be an empty shell at the moment, but you can already picture your friends and family gathered for holiday festivities, your kids doing homework at the dinner table, or the uproar of laughter from family game night. Your new home will be a monumental place for new memories, but how can this empty shell of a house become the place that your loved ones call home?

Making it your own

Before you can truly enjoy your new place, you must make this place personalized for you and your family. The homeowners before you had their vision for what this house would be. It's your turn to do the same. Come up with a plan for each room and what it requires to make it feel like it's yours. Your plan may include things such as ripping out old carpet, tearing off wallpaper, or applying a fresh coat of paint. Little remodels like these can go a long way in helping you feel like you're truly home.

Fill the walls 

Moving can be such a daunting task in and of itself. Due to this most people delay decorating or personalizing their home until it's time to move on. The first thing you can do to create a comfortable place for your family is to fill your walls with decor as soon as possible. Once you finish sprucing up your walls, plan to complement them with stylish decor and pictures of your family. You'll love the difference it makes in the process of making your house feel more like home.

Add some greenery

Having a few plants in your living space can truly refresh a room. Plants can provide vivid colors that compliment your style, or add the presence of another living being. If you're not one to care for plants, add some low maintenance plants like succulents that will still survive if unattended for a few weeks. Even if you don't have a green thumb, a few fake plants will go undetected by guests.

Have people over

Having friends over is probably the last thing on your mind after moving into your new house. You don't want others to see your unpacked boxes shoved in the corner or your bare rooms still in need of furniture, but having people over will make your house feel more like home to you. Being in your new house can feel a bit like a vacation. To change this mindset, you should do life in your home as much as possible. Having friends and family over for dinner will help you feel like this space is truly your own.

Breaking in your new house doesn't have to be a year-long process. By setting aside a few weekends, you can feel at home in no time! If you're in need of ideas of how to spruce up your new place, talk to your realtor about finding an interior decorator to help with the process.




Categories: Uncategorized  


Posted by New Age Real Estate on 4/26/2019

Sometimes you just can't decide if you like modern, traditional, antiques, or transitional. The decision to choose one over the others is even more difficult if you've inherited family heirlooms with which you simply can't part. So, what do you do? Make a mashup that expresses all your styles!

Mix and match

Avoid the confining idea that furnishings need to match in order to “go.” A traditional sofa, Mid-Century Modern chair, an Art Deco table, and antique lamps can fit together as long as you remember and practice some of these "rules"—actually, they're more like suggestions since everything depends on what you own and want to keep.

  • Size matters. You can blend nearly any style together in your eclectic home as long as each piece is of similar “weight” in the overall scheme of things. What is weight? The thickness of the wood, height of the chairs, balance of the materials, all contribute to how a piece dominates the room. A heavy traditional leather sofa might overshadow a fine antique table, so perhaps they belong in different places.
  • Composition communicates. When everything in the room is modern except that one piece, it might seem out of place. Compose a balanced creation that has a few items from each era to make your design purposeful.
  • Texture transforms. When mixing several wood types or finishes, find a unifying texture to tie the pieces together. Make your sofa pillows of a similar feel to your throw and tablecloths so that it pulls the look together. Or utilize disparate textures in similar hues to drive the narrative of the room.
  • Metals magnify. Mixing metallics such as a metal and glass side table with natural wooden chairs and painted bookshelves makes layers in light and crisp, reflective and matte, to give your room depth and dimension.
  • Color calms. As mentioned above, utilizing a similar hue or range of shades from the same palette pulls the look together while deliberate splashes of a contrasting color provide interest and draw the eye.
  • Frame it up. To create equivalent mass to wall art, balance a large modern piece on one wall with a collage of smaller art in a variety of frames opposite. Spotlight a large framed mirror above a fireplace to add drama, or set it atop a Mid-Century Modern credenza to juxtapose eras.

Ultimately, your style is all about what makes you happy. If your pieces don't yet lend themselves to an utterly eclectic look, keep adding to your collection until they do. And if you're looking for an especially unique home, let your property specialist know what's on your mind.




Tags: antiques   home decor   furniture  
Categories: Uncategorized  


Posted by New Age Real Estate on 4/19/2019

Applying for a mortgage may seem like a long, stressful process at first. Fortunately, we're here to help you take the guesswork out of submitting a mortgage application.

Now, let's take a look at three tips to help you streamline the mortgage application process.

1. Ask Questions

A bank or credit union likely will ask you to provide a wide range of information as part of the mortgage application cycle. And as you complete a mortgage application, you may have questions along the way too.

Remember, a lender is happy to help you in any way possible. If you ever have concerns or questions as you complete a mortgage application, you should reach out to a lender for expert support. That way, you can reduce the risk of potential problems down the line that otherwise could slow down the mortgage application process.

Even a single mistake on a mortgage application may prevent you from getting a mortgage. Perhaps even worse, a delayed mortgage application may force you to miss out on an opportunity to acquire your dream house. But if you reach out to a lender as you complete your mortgage application, you can gain the insights you need to quickly and effortlessly finalize the necessary documentation to obtain a mortgage.

2. Be Thorough

A mortgage application may require you to look back at your financial and employment histories and provide information that a lender will use to determine whether to approve or deny your submission. Meanwhile, you should be ready to provide a lender with any requested information to ensure a seamless application process.

As a homebuyer, it is your responsibility to include accurate information on your mortgage application. In fact, failure to do so may cause a lender to reject your mortgage application. If you allocate the necessary time and resources to dot every I and cross every T on your mortgage application, you can boost the likelihood of a fast approval.

3. Shop Around

For homebuyers, it is crucial to check out all of the mortgage options that are available. If you meet with a variety of banks and credit unions, you can review myriad mortgage options and select a mortgage that complements your finances.

Banks and credit unions generally provide a broad array of fixed- and adjustable-rate mortgages. If you learn about all of the mortgage options at your disposal, you can find one that enables you to purchase your dream house without breaking your budget.

Of course, once you are approved for a mortgage and are ready to launch your house search, you may want to hire a real estate agent as well. A real estate agent will offer plenty of guidance at each stage of the homebuying journey. In addition, a real estate agent can make it easy for you to find a top-notch residence at a budget-friendly price in any housing market, at any time.

Start the mortgage application process today, and you can move one step closer to acquiring your dream residence.




Tags: Mortgage   Buying a home  
Categories: Uncategorized  


Posted by New Age Real Estate on 4/12/2019

Buying a new home is a big decision and one that many wonder if they are truly ready for.

Use this guide to determine if you are ready to start house hunting:

  1. Thirty percent of your income can cover a mortgage payment for your ideal home

The ability to afford month to month payments is incredibly important. Staying within the recommended percentages when it comes to budgeting helps you failsafe your finances from potential future hardship. At the very least you want your mortgage payment to be as close as possible to the thirty percent marker of your income.

  1. You’re in a secure job.

In addition to having an income that can sufficiently support the month to month payments you also want to ensure that that income is a reliable source. Signs of a reliable income are that you have been with your current company for longer than two years with several months at the same pay rate.

  1. You have a great credit score

This one shouldn’t come as any surprise to you. A great credit score will not just increase your eligibility for financing but also for a great interest rate. If your score falls in the “good” region you can take steps to bring up your score fairly quickly, as far as scores go,  before applying.

  1. You have a down payment saved up

A down payment is a big savings goal to tackle. So if you’ve already done the math and saved up a sizeable sum for the downpayment on your dream house you are most certainly ready! Ideally, this amount should be around twenty percent of the sale price.

  1. You’ve prepared a prospective budget

If you already have a down payment saved you at the very least have part of this step taken care of! Knowing your future homeowners budget doesn’t just include your typical expenses plus a mortgage payment. You also want to factor in homeowners insurance, potential HOA (Homeowner Association) fees, and maintenance costs.

  1. You’re ready to build equity - or it’s your next financial goal

For those scratching their heads, equity is the amount of your home that you actually own. This is the ratio between your homes value, the amount you have paid and the amount you owe. As you continue to make payments on your home your equity grows. Equity can also increase if the value of your property increases.

  1. You’re ready for stability

If you’re ready to settle down in one place for at least the next five years you’re looking for stability. Perhaps you’re ready to put down some roots and start a family or become a part of a local community. Owning your own home provides you a steady living expense, builds equity and gives you (almost) complete control of your lifestyle.