The Getting Started Manual For First Time Home Buyers

Are you thinking about buying your first home but completely overwhelmed with where to even begin?

Buying your first home is a big, and exciting, decision. It’s also one that comes with a big learning curve you need to get down quickly.

There are many steps to the process and even though your agent is always here to help you and give advice it’s critical you do your own research. You want to be able to take action quickly when you find your dream home. To do this you will need to be able to keep up with the process by having everything done neatly, orderly and on time.

So where to start?

Start here:

Start by sitting down with your budget. What do your current finances look like? What sort of wiggle room for spending do you have? What can you afford for a monthly mortgage payment?

And perhaps more importantly, do you have enough saved to cover a down payment and closing costs? Depending on which programs you qualify for you don’t necessarily have to put the traditional 20% down. With that said, you should know how much you would need to put down and if you have money in the bank to cover those costs.

Smooth out any credit snags. Your credit score doesn’t need to be out of this world, but it should reflect that you are actively improving and financially responsible.

Find a mortgage professional you trust to help you make the right moves throughout the process. Again, you want to be able to take action quickly once you find a home you love. And you don’t want to miss out because your mortgage professional hasn’t prioritized you.

You will also want to have a preapproval prepared, with the help of your mortgage professional, when you are ready to start looking at houses. Having a pre-approval in hand shows your agent that you are serious about this process.

Calculate the costs. Yes, more math! You will want to take into consideration real estate taxes, HOA fees, home repairs and maintenance as you refine your budget to see which homes make the most sense for your lifestyle.

When looking at homes focus on the “bones” of the house. Look past paint, hideous wallpaper and yes even the granite countertops. Are there enough bedrooms? Bathrooms? A laundry room? Is there enough garage space and driveway? Do you like the floor plan? The neighborhood?

Know what’s important to you. In an ideal world, you will find a home that ticks off every item on your wishlist. And not to say that it’s entirely impossible, but know which items on your list are negotiable. Which are you willing to budge on and which are make or break?

Open house on 2/17/2019 at 400 Bald Mountain Road Bernardston, MA 01337


Date: 02/17/2019 Time: 11:00 AM to 1:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

This beautiful Single Owner Cape Style Home, built in 1999, has been tastefully updated and well maintained throughout the years. The large and inviting front porch will lead you into the front entry hall and into a cozy Living Room with gleaming maple floors and charming fireplace. Open to the Dining Room and Kitchen with plenty of counter-top space and lots of storage. First Floor Laundry Room / Pantry. First Floor Bedroom is decently sized. Upstairs features a Master Bedroom with walk-in Closet and a Master Bathroom that is ready for your finishing touches, Second Bedroom, Office, and Full Bathroom. Attached 2-Car Garage . Situated on 1.57 Acre Lot just a short drive from I-91 and the Town Center. Large walk-out Basement offers much potential for more living space.

Single-Family – 400 Bald Mountain Road Bernardston, MA 01337 is now new to the market!

This beautiful Single Owner Cape Style Home, built in 1999, has been tastefully updated and well maintained throughout the years. The large and inviting front porch will lead you into the front entry hall and into a cozy Living Room with gleaming maple floors and charming fireplace. Open to the Dining Room and Kitchen with plenty of counter-top space and lots of storage. First Floor Laundry Room / Pantry. First Floor Bedroom is decently sized. Upstairs features a Master Bedroom with walk-in Closet and a Master Bathroom that is ready for your finishing touches, Second Bedroom, Office, and Full Bathroom. Attached 2-Car Garage . Situated on 1.57 Acre Lot just a short drive from I-91 and the Town Center. Large walk-out Basement offers much potential for more living space.

This is a Cape style home and features 7 total rooms, 1 full bath, 1 half bath, 3 bedrooms, 1.57 Acres, and is currently available for $339,000.

For complete details click here.

Houseplants for Low Light Conditions

We’ve all been there. You’re excited to put life into your home with houseplants. The problem is that they keep dying. Whether you have a jet black thumb or just a brown thumb, it is hard for you to find plants that will last long enough to get their benefits. There are different things to take into consideration with this challenge, including watering and soil type and quality, but lighting is specifically one of them. Here are a few ideas that do not require much light.

Creeping Charlie

Also called Swedish Ivy (it is neither a creeper or an ivy; instead it is a trailer), this plant may be among one of the most forgiving for plant novices and those with black thumbs. Creeping Charlie plant thrives in a variety of conditions including light, water, and soil combination making it very low maintenance. Another special thing about this plant is that it grows very well in hanging planters giving you options on where to put it.

Many different fern plant options

Ferns thrive in low light conditions. A couple of varieties of fern are the Maidenhair and Silver Lace. The Maidenhair fern has small, delicate leaves that set it apart from the typical house plant with the usual broad, thicker blade. The Silver Lace has a leaf that is long and skinny with a graduated light color to it. 

Moss 

Mosses are great options for low light as moss varieties are known for thriving in low light conditions. If you have a place that you want to put a plant that only gets glimpses of sunlight, then this could be perfect for you. This type of plant can go into terrariums that you can get pre-made, in a kit or you can put together yourself. 

Mint 

If your kitchen is where you are looking to put a low light plant mint might be just the thing for you. You will be able to harvest fresh mint for teas and such. Plus this plant gives off a pleasant scent to brighten the room.

All the benefits with the expertise of a professional to help you

Plants give the advantage of a little life, fresh air and pleasant aroma that can help make your house feel like a home. If you need answers or additional help finding the plant that will be right for you and your home, visit a local garden center where they will be able to assist you.