David Tellier - Cameron Real Estate Group



Posted by David Tellier on 9/20/2018

If you’re planning to stay in your home as you age, or "age in place", it’s wise to begin planning to renovate your home for your future self sooner rather than later. This will save you money and headaches down the road. I know it’s not an exciting topic of conversation to discuss aging and how to make your home more accessible. However, it’s certainly an important one. And even if you never use these features yourself, they are great to have in a home even if just for visitors, such as your parents.

Renovating before retirement ensures you have the cash flow to fund each change you make to your home. By making these changes now when you don’t need them, instead of as you go, allows you time to do research on best pricing and how to add features that will look seamless in your home. Just because you are “senior proofing” your home doesn’t mean it has to look like an assisted living facility.

The best, and arguably most important, place to start is in the bathroom. This is also a room that accommodations can double as accessible and chic. For example, a lipless walk-in shower, also known as the European Wet Room, eliminates the need to step up which can result in tripping. But it also opens up the room to appear more spacious and allow natural lighting to reach every corner. When renovating choose dimensions that leave enough room for a wheelchair to enter.

You may also want to consider adding a built-in shower bench. This could be a seamless tiled addition styled like a window seat or a chic wooden seat that folds up and out of the way. Grab bars don’t need to be an eyesore either. There are so many options on the market for bars that integrate with your bathroom’s style instead of looking like an afterthought.

When house hunting for a new home, look for one-level open floor plans. Open floor plans are very on trend and a feature many buyers are looking for anyways. They come with the added bonus of having plenty of room for someone in a wheelchair or walker to get around. If a home you are looking at has any hallways measure them to make sure they are wide enough to be accessible for these kinds of mobility aids.

Choosing a home that is a one-floor plan is another subtle way you can “senior proof” your home. Stairs can become troublesome when mobility becomes limited due to arthritis for example. A lack of a staircase to climb also means never having to buy a chairlift down the line. Potentially saving your future self-money and the integrity of your home’s decor.





Posted by David Tellier on 9/13/2018

Your credit score impacts many of your important life decisions. From your ability to open new credit cards, to taking out loans for cars and houses, your credit will be checked by many companies throughout your life. Credit scores are mostly a mystery to the people who have them. Sure, you can check your credit score for free online, but when it comes to understanding your score, most consumers are in the dark. In a perfect world, we would be taught in high school and college exactly what goes into your credit score, how to build credit, and how to avoid credit missteps. Unfortunately, we don't live in that world and many of us don't find out what makes up a credit score until we're in debt from student loans or credit cards. In this article,  we'll teach you what a credit score is, what it consists of, and how it is affected by your financial decisions. And, we'll do it in an easy-to-understand way that skips all of the jargon and acronyms that are used by banks and lenders. Read on to learn everything you need to know about your credit score.

What is a credit score?

Simply put, your credit score tells lenders how safe it is to lend money to you, i.e., the likeliness of you paying back your debt to them. In the United States, credit scores are awarded by three major companies. Since they use slightly different methods of scoring your credit, your score can vary slightly between them. What they all have in common, however, is that they put together your score based on your financial history (or lack thereof). How do they come about your score?

Parts of a credit score

Think of an Olympic diver who just took a perfect dive. The judges off to the side are going to score her on a few different factors: her approach, her flight, and her entry into the water. They'll award her a number based on her dive and then those numbers are averaged to give her a score. Credit is scored in a similar way. You aren't judged just based on your payments or just based on how long you've had a credit card. Rather, you're judged based on a combination of five main things. For your FICO score (the score used by the majority of banks and lenders) those are:
  • 35% - payment history
  • 30% - current debt
  • 15% - how long you've had credit
  • 10% - types of credit
  • 10% - new credit
As you can see, the most important factors that make up your credit score revolve around how much you owe and if you pay your bills on time. Having high amounts of debt or credit cards that are maxed out (meaning you hit the spending limit), your score can be lowered. Similarly, your score can be lowered every time you miss a bill payment. However, if you do miss a payment and your score is lowered, it can be recovered by making on-time payments. Your credit score is also influenced by the length of your credit history (15%): when you opened your first credit card or took out your first loan. The longer you've been making on-time payments the better. The last two factors that make up your score are the types of credit you have (10%) and new credit (10%). Having many different types of credit (home loan, credit card, student loan, auto loan, etc.) will improve your score so long as you're making on-time payments. However, opening up new credit rapidly is a red flag for lenders that you might be in financial trouble, hurting your score.    




Categories: Uncategorized  


Posted by David Tellier on 9/6/2018

If you recently sold your house, you will need to move quickly to pack up your belongings and relocate to a new address. In addition, you probably will want to clean your house as much as possible prior to a homebuyer's final walk-through.

Fortunately, there are many quick, easy ways to clean a home before you move, including:

1. Straighten Up Your Home While You Pack

Home cleaning can be a long, arduous process, particularly for those who wait until the last minute to perform various home cleaning tasks. If you clean up after yourself while you prepare for your upcoming move, you can avoid the stress of completing extensive home cleaning right before moving day.

Wiping down home countertops, walls and ceilings usually is a great idea. By doing so, you can keep these spots clean while you plan for your move.

Also, don't forget to empty the attic and basement and remove dirt, dust and debris from these areas. This will ensure you can clean these areas once and for all before moving day arrives.

2. Remove All Clutter from Your Home

There is no reason to let clutter slow you down as you prepare for an upcoming move. Instead, clear out clutter immediately, and you can clean your home and reduce the number of items that you'll need to move to your new address.

Today, there are several ways to get rid of clutter. In many instances, you can sell excess items as part of a yard sale or online. Or, you can always donate these items to local charities or give them to friends or family members.

Regardless of what you decide to do with clutter, it is essential to remove clutter from your house as soon as you can. That way, you can cut down on clutter and increase the likelihood of a quick, seamless moving day experience.

3. Hire a Cleaning Company

Cleaning a home from top to bottom can be a lot of work. Plus, if you're already allocating significant amounts of time to packing for an upcoming move, you may lack the necessary time and energy to improve your house's interior and exterior.

Many home cleaning companies are available in cities and towns nationwide. These businesses employ friendly, highly trained professionals who are happy to help you clean your residence prior to moving day.

If you plan to hire a home cleaning company, don't wait to contact this business. Because the longer you wait to book a home cleaning company, the more likely it becomes that this business won't be able to accommodate your cleaning needs before you move.

Lastly, if you need help finding a cleaning company in your area, you can always consult with a real estate agent. This housing market professional can help you sell a home, as well as connect you with first-rate cleaning companies in any area, at any time.

Use the aforementioned tips, and you should have no trouble cleaning your house in the days leading up to your move.




Tags: moving tips   cleaning   moving  
Categories: Uncategorized  


Posted by David Tellier on 9/5/2018

This Single-Family in Westminster, MA recently sold for $300,000. This Raised Ranch style home was sold by David Tellier - Cameron Real Estate Group.


58 Oakmont Ave, Westminster, MA 01473

Single-Family

$299,900
Price
$300,000
Sale Price

7
Rooms
3
Beds
2
Baths
This home is a slice of heaven on a beautiful wooded lot totaling nearly 1.8 acres which creates a peaceful and tranquil setting, yet close to downtown and nearby Rt. 2. Just down the road apiece is Crocker Pond, open only to Westminster residents. The highly rated school systems are also close by along with many local attractions along the Mohawk Trail. This home has received attention to detail. Updates include a new boiler and ‘Superstor Ultra' water heater, paint, flooring, and carpeting throughout to name a few. A large deck off the dining area overlooks an expansive and extensively excavated yard that has been reseeded (thus the straw). The septic system has just been certified passed Title 5 June 2018. The detached two-level shed offers great storage for your outdoor tools and toys. Come see, I think you will love this home!

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Categories: Sold Homes  


Posted by David Tellier on 8/30/2018

The real estate market is fierce, particularly for home sellers of all experienced levels. Thus, it may take you weeks, months or years to sell your residence if you don't prepare accordingly. So what does it take to ensure your home will sell quickly? Here are three tips for first-time and experienced home sellers: 1. Conduct Plenty of Research Before You Price Your Home. Your home may seem priceless, but ultimately, you'll need to establish a fair market price for your residence to generate interest among homebuyers. To determine the right price for your home, consider the pros and cons of your residence. For instance, if you recently had new energy-efficient windows installed in your home or set up an above-ground pool in your backyard, these features may help boost the value of your residence. Conversely, an old furnace or a defective central air conditioning system may lead you to lower your asking price, as these items may need to be replaced in the foreseeable future. Before you price your home, don't forget to look at what similar houses in your area have sold for over the past few months and years, too. And if you hire a professional appraiser to assess your home's value, you'll be able to set an initial asking price that could help your residence stand out in a competitive real estate market. 2. Clean Up Your Home's Exterior and Interior. Typically, you'll want to enhance your home's curb appeal before you add your residence to the real estate market. By doing so, you can improve your house's chances of making a positive first impression on prospective homebuyers. You also may want to commit significant time and resources to bolster your residence's interior. From de-cluttering your home to revamping the interior of your house's kitchen and bathroom, there is a lot that you can do to give your residence a distinct look and feel. Therefore, if you spend some time cleaning up your home's exterior and interior, you may be able to make it easier for homebuyers to fall in love with your residence instantly. 3. Partner with an Experienced Real Estate Agent. Hiring an experienced real estate agent should be a top priority, regardless of whether you're a first-time or experienced home seller. Because with an expert real estate professional at your side, you can simplify the process of adding your residence to the real estate market and ensure your house garners plenty of interest from prospective homebuyers. A real estate agent will offer guidance and support throughout the home selling process, enabling you to optimize the appearance of your home. Plus, this professional will help you handle negotiations with homebuyers and empower you with the knowledge and insights needed to maximize the value of your house. Employ an experienced real estate agent to assist you during the home selling process – you'll be glad you did. This real estate professional will make it simple for you to promote your house to large groups of homebuyers and finalize a sale without delay.