Posted by Kim Thomas on 2/16/2019

This unique George Washington Mt. Vernon replica home is reminiscent of a fine, museum quality, 1800's Southern Plantation. The home boasts two amazing curved, sun-filled galleries leading to an oversized garage with an in-home office above with a separate entrance on one side, and an accessory apartment/family room on the opposite side branching off from the living quarters of the main house. There is an "estate-like" oasis of a yard complete with in-ground pool and 360 sq. ft. heated guest house with full bath, bedroom, and kitchenette. The additional space is perfect for extended family living!!! Features of the main house include crown molding and exquisite detail throughout, amazing foyer, master suite, hardwood & ceramic flooring, 3 fireplaces, updated stunning floor to ceiling windows overlooking the magazine worthy yard, professionally decorated and landscaped. Convenient to schools, I-495, Rte. 140 & commuter rail. Just 45 mins. to Providence & 50 mins. to Boston.

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Posted by Kim Thomas on 2/12/2019

With rent prices soaring in many areas of the U.S., renters are starting to consider whether now is the right time to start saving for a down payment on a home.

Depending on where you live and what your timeline is for buying a house, you might be wondering the same thing.

So, in today’s post, we’re going to talk about how to break down your rental costs to determine whether it makes more sense to buy a home rather than continue renting.

Add up your rental costs

There are any number of costs associated with renting depending on your lease agreement. Some renters are required to pay their own heating and utilities, while others have several bonuses thrown into the cost of their rent, such as internet, gym memberships and more.

So, take a minute to write down each of your rental expenses. To get you started, here’s a list of some of the most common costs for renters:

  • Monthly rent

  • Electric bills

  • Heating bills

  • Trash removal

  • Renter’s insurance

  • Parking fees

Now that you know how much you put toward renting each month, it’s time to take a look at what it could cost you to own a home.

Homeowner expenses

The key thing to remember about buying a home is that your costs can vary widely based on the size of your home, where it’s located, and a number of other factors. However, you can often find area averages online.

If you’re considering a starter home (which you should!), then you’ll want to look at houses in your area that are on the lower end of the market.

To get an idea of what your mortgage payments and monthly interest will be, you can use a free tool like Bankrate.

Now, let’s make a list of your homeowner expenses:

  • Mortgage payment

  • Home insurance

  • Trash removal

  • Utilities

  • Heating and AC costs (plan for higher costs than renting due to more space)

  • Electricity

  • Property taxes (divided by 12)

  • Mortgage insurance (if you don’t have a 20% down payment saved)

Cost-benefit analysis of owning a home vs renting

Now that you know the general costs, you’re getting close to knowing whether it would be cheaper or more expensive to buy a home than rent.

However, that isn’t the full picture. When you own a home, you’re responsible for maintenance and upkeep. That means you should budget around $250 per month toward maintenance. Even if you don’t use that amount each month, there’s a good chance you’ll have to make a repair or upgrade, or even hire a professional to come and fix something on your home.

The final piece of the picture involves home equity. When you own a home, most of the money you pay each month to your lender will come back to you in the form of equity. As a renter, your money goes to your landlord and will never be seen or heard from again.

So, if you’ve added up your lists, accounted for maintenance costs, and still have enough left over to live comfortably each month by buying a home, you can most likely bet on buying as being a better option.

If not, it might pay off to rent for another year or two while you save up for a down payment so you can get the lowest interest rate and avoid PMI.

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Posted by Kim Thomas on 2/9/2019

This special cottage/bungalow style home is perfectly small! The one bedroom "open concept" is easy to maintain with an updated kitchen, bath, and living room. Newer laminate floors throughout. The cathedral ceilings in the living room & kitchen make this house appear much larger than it actually is. The yard is fenced-in and there's a large 2 car detached garage with electricity. The location is convenient to Rte. 28 and Rte. 6. Less than 2 miles to the Bourne Bridge! Just in time to enjoy your summer...

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Posted by Kim Thomas on 2/8/2019

FIRST SHOWINGS @ OPEN HOUSE SUNDAY FEBRUARY 17, 2019. This home has been competitively priced to sell! Features include open floor plan with large eat-in kitchen with brick fireplace, French doors, first floor master (optional), nice lofted cathedral foyer, farmer's porch, large fenced yard with deck & shed, 4 decent bedrooms on the 2nd floor, new roof, updated furnace, and new septic 2019. Conveniently located in a desirable neighborhood at the end of the cul-de-sac on over an acre of land! close to Rte. 140. Needs some cosmetics, but an overall nice home in a fantastic neighborhood!

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Posted by Kim Thomas on 2/5/2019

A new year has begun and now is as good a time as any to set your sights on streamlining your daily life. Purging closets, cupboards, and drawers can feel either overwhelming or empowering. With such busy schedules, thinking about your whole house and what it will take to organize everything can stall the purging project before you even start. Try instead to think of it as sorting small spaces, one at a time, for just a few minutes. That way over time and with consistency you can have your entire home sorted and running more efficiently. 

Where to start

Picture your entire living space and realize that each room can be a mini project within the overall goal of creating an efficient living space. Then each room can be further divided into zones that you can sort in small allotted time blocks. You can spend anywhere from 10 minutes sorting through a bathroom drawer to 30 minutes on a hall closet. To stay motivated and keep the project from becoming overwhelming, try and keep the sorting to 30 minutes or less for each zone. You may discover it's useful to draw a layout of your house and check it off when you complete a zone. Or maybe you're a list kind of person, making a list with what you want to sort through in each room can be helpful. 

Sort by number

When sorting through each zone keep the process quick and straightforward. As you empty the zone, each item goes into one of three piles, as follows:

- NO

Having boxes or laundry baskets in which to place each item is helpful. Or you can make the piles on the floor or a table. Pick up an article and put it in a category immediately. Any hesitation and it goes to the “not sure” pile. When the zone is empty, grab the “no” pile and take it straight out to a designated area for donation. Then re-home all the items in the ‘yes’ pile. Finally, evaluate the "not sure" pile. Do you have space for it? Is it used often? Again, quickly decide and either put it away or donate. Then, move on with your day. 

Little bites are best

You may be able to complete several zones throughout your day, but no pressure. The focus here is not how fast you can get the whole project completed but instead taking a few minutes at a time and getting a small amount sorted quickly. Over time the entire house will be a more efficient living space. 

Go through open houses and model home to get creative organization ideas for your living space.

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