David Tellier - Homefitter Realty, LLC



Posted by David Tellier on 3/21/2019

Although you'd like to eliminate as much clutter as possible before you sell your house, doing so may seem like a long, arduous task. Fortunately, you don't have to be a home organization expert to remove clutter from your house quickly and effortlessly.

Now, let's take a look at three creative ways to help home sellers eliminate clutter instantly.

1. Develop a daily declutter schedule

Believe it or not, it doesn't take long to declutter a home, regardless of the size of your house. With a declutter schedule at your disposal, you can set small and large decluttering goals and make daily progress toward a clutter-free house.

Even spending five minutes a day decluttering your house can make a world of difference. Over the course of a week or month, you'll start to notice lots of free space fills your residence – something that homebuyers are sure to appreciate.

Also, don't forget to stick to your declutter schedule as closely as possible. And if you miss a day along the way, there's no need to worry, as you can always try to make up for lost time the following day.

2. Give away one item each day

If you have excess items, why not offer them to family members, friends and others who may be able to use them?

Ultimately, if you strive to give away one item daily, you can declutter your home and help family members, friends and others at the same time.

Giving away items is a quick, simple way to declutter. Meanwhile, offering these items to others enables you to do a good deed, as you'll be able to provide something useful to someone who wants it at no charge.

3. Start with a single trash bag

Fill up a single trash bag with clutter and see what happens – you'll be glad you did.

After you fill a trash bag, you'll likely find that you have many options.

This trash bag may be donated to a charitable organization, one that could use the excess items. Or, you may decide the trash bag items could be sold at a yard sale or listed online for a profit. On the other hand, if you find the trash bag items are damaged and no longer usable, you may choose to dispose of the trash bag altogether.

A gradual approach to decluttering is key, particularly for home sellers who want to alleviate stress as they prepare their residences for the real estate market. With this approach, home sellers can boost their chances of remaining calm, cool and collected as they eliminate clutter.

Lastly, if you need additional assistance with decluttering, your real estate agent may be able to lend a helping hand. This housing market professional can put you in touch with local junk removal companies that can help you eliminate clutter without delay.

Take care of clutter today, and by doing so, a home seller can move one step closer to getting the best price for his or her residence.





Posted by David Tellier on 3/14/2019

Buying a house should be a worry-free experience. Yet problems may come up that prevent a property buyer from achieving the optimal results. Lucky for you, we're here to help you quickly identify and address various homebuying hurdles.

Now, let's take a look at three tips to help you minimize stress as you navigate the homebuying journey.

1. Plan for the Best- and Worst-Case Scenarios

An informed homebuyer should have no trouble enjoying a worry-free property buying experience. In fact, this buyer will understand the best- and worst-case scenarios and know exactly what to do – even in a stressful homebuying situation.

In the best-case scenario, a homebuyer will instantly find his or her dream house, submit an offer to purchase this residence and receive an immediate "Yes" from a seller. Then, this buyer can finalize a home purchase and move into his or her new residence.

On the other hand, the worst-case scenario likely will force a homebuyer to miss out on the opportunity to acquire his or her ideal residence. This scenario may involve a failure to agree to terms with a seller due to many potential homebuying problems.

Homebuyers will want to do everything they can to avoid the worst-case scenario. Fortunately, if you learn about the housing market, you can gain the insights you need to plan ahead for the property buying journey. And as a result, you can increase the likelihood of finding and buying your dream house in no time at all.

2. Get a Mortgage

Let's face it – purchasing a home is your dream, but you probably don't have the necessary finances to buy a house on your own. Therefore, you may need to get home financing before you can make your homeownership dream come true.

Applying for a mortgage may seem stressful, but lenders are happy to help you in any way they can. If you consult with multiple banks and credit unions, you can review a variety of home financing options.

Don't hesitate to ask questions as you complete a mortgage application too. If you address your mortgage concerns and questions with a home financing professional, you can alleviate the stress commonly associated with applying for a mortgage.

3. Work with a Real Estate Agent

A real estate agent is a homebuying expert who can respond to any concerns or questions that you may have. If you collaborate with a real estate agent, you can get the help you need to minimize stress at each stage of the property buying journey.

Typically, a real estate agent will learn about you and your homebuying goals and help you plan accordingly. He or she will keep you up to date about available houses in your preferred cities and towns and set up home showings. And if you find a house that you want to purchase, a real estate agent will help you submit a competitive property buying proposal.

Remove stress from the homebuying journey – use the aforementioned tips, and you can reap the benefits of a worry-free homebuying experience.




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Posted by David Tellier on 3/7/2019

For the most part, it’s safe to say we all know to come prepared when buying an older home. But did you know that the buying process of a new construction home comes with its own quirks? The customization and relationship with the builder through the process makes for a unique experience when buying a new construction home.

Here’s what you need to know:

Some developments have site registration policies. This means that they require you to come with your agent for at least the first couple visits. Don’t be caught off guard. When planning your viewings be prepared to work with your agent's schedule as well as your own.

Instead of asking to lower the cost ask when negotiating ask the builder to pay closing costs or to include upgrades. You’ll have an easier time getting a yes to these requests as builders don’t like to lower costs and gain a reputation for doing so in the process.

New construction homes aren’t a final product when purchasing. Because of this, it’s critical to get details on paper to protect yourself during the buying process. Details to include are how the home will be finished, any and all timelines, and what will happen if, for whatever reason, the home is not finished in time. Get all of this in writing to create a binding contract.

Ask questions! When touring the model house be sure to ask what comes standard and what is an upgrade. Get costs of upgrades that catch your eye so that you can plan your budget. When planning this budget you will also want to leave wiggle room as this will be a quote and not final cost. Your agent can help you create a list of common features that are standard and/or upgradable as well as ballpark costs.

Budget Tip: When deciding on upgrades know which are easier to have done during construction. Prioritize those over those that can easily be done after. Think upgrades that include wiring or getting into walls and ceiling for whatever reason.

New construction homes often come with a warranty. It’s important to know what this covers and what it doesn’t. Understand your cancellation rights and hire a real estate lawyer to review contracts and any important documents.  

Research the builder and if possible talk to other residents in the neighborhood. Ask them about their experience both during the buying process and living in the development afterward.

One thing that often catches home buyers off guard is when the builder requires you to get pre-approved by their lender even if you use your own lender. This is to safeguard themselves by ensuring you pass their lenders requirements for a safe investment. It’s also important to keep in mind that you may even get better rates and fees from the builder's lender.





Posted by David Tellier on 2/28/2019

Home appraisals are an important part of the buying and selling process. Lenders use appraisals to make sure that the home is worth what the borrower is paying. A home’s appraisal value is based on a number of factors, all of which we’ll discuss in this post.

Whether you’re a buyer, seller, or are just learning about the process of buying a home so you’ll be better equipped in the future, this article is for you.

How is a home appraisal different from an inspection?

While home appraisals and inspections are performed by licensed or certified professionals, they have to different functions. An inspection ensures the safety of a home, as well as whether or not it will need repairs in the immediate or near future.

Appraisals, on the other hand, aim to value a home based on its property value, the size of the property, and the location of the property. The condition of the home is a factor in valuing a home, which is why some people confused appraisals with inspections.

Who pays for appraisals?

Like most closing costs, a home appraisal is a burden that falls on the buyer. Typically, the lender you choose will work with will actually order the appraisal. The cost, which usually amounts to a few hundred dollars, can be added to your closing fees. You can find the cost for an appraisal listed on the Closing Disclosure document provided by your chosen lender.

Which factors determine the home’s value?

To appraise the house itself, appraisers will look at the condition of the home. They’ll also weigh the features of the home in their valuation--things like the number of bedrooms and bathrooms, for example.

However, the two key characteristics of a home that contribute to its value are its age and size.

Which external factors contribute to the home’s value?

As you might suspect, the location of your home matters greatly when it comes to appraisals. Homes are appraised based off of average prices for their neighborhood and region.

Other location factors include how accessible the home is, if it’s located on a waterfront, and whether it has desirable views.

When does a home get appraised?

While your experience may vary based on your specific circumstances, most appraisals occur after a buyer has signed a purchase contract. One this is done, the lender will take the steps necessary to order and process the appraisal.

How long is the home appraisal process?

Once the buyer has signed a purchase contract, the appraisal is usually completed and processed within 7 days. The appraisal report will be sent to the lender. This report contains the appraised value of the home. Buyers are entitled to a copy of this report, and should keep one for their own records.




Tags: Buying a Home   appraisal  
Categories: Uncategorized  


Posted by David Tellier on 2/21/2019

Want to relocate to a condo? Buying a condo can be an uphill climb, particularly for homebuyers who are browsing the real estate market for the first time. Fortunately, real estate agents are available who will allocate the necessary time and resources to ensure you can find a top-notch condo in no time at all.

Ultimately, hiring the right real estate agent to assist you during your condo search can be easy. Here are three questions that you should ask a real estate agent before you hire him or her to guide you during your condo search:

1. How have you helped condo buyers in the past?

Ask a real estate agent about his or her past experience with condo buyers – you'll be glad you did. With this information at your disposal, you can find out how a real estate professional collaborates with condo buyers to help them achieve their goals.

A real estate agent should be a good communicator, i.e. someone who keeps condo buyers informed at each stage of the condo buying journey. That way, this real estate professional will keep you up to date about new condos as they become available and ensure you can find a great condo at a budget-friendly price.

When in doubt, be sure to ask for client referrals too. By doing so, you can reach out to a real estate agent's past clients to learn about their condo buying experiences.

2. How do you approach difficult situations?

Unfortunately, the condo buying journey sometimes can be filled with roadblocks along the way. For real estate agents, it is important to remain calm, cool and collected in these situations and do everything possible to limit their impact.

Ask a real estate agent to share details about past condo buying experiences that did not necessarily go according to plan. This will provide you with insights into how a real estate agent approaches unforeseen circumstances and whether he or she can thrive under pressure.

A real estate professional with condo buying experience should do whatever it takes to help his or her client get the best results possible. With this real estate agent at your side, you should have no trouble securing your dream condo, regardless of the challenges that you encounter along the way.

3. Why should I hire you?

There is no right or wrong answer as to why you should hire a real estate agent to help you find a condo. For many condo buyers, it is a gut feeling. Meanwhile, other property buyers will choose a real estate professional based solely on his or her education and past successes.

As a condo buyer, it is important to employ a real estate agent who you will feel comfortable working with at all times. This real estate professional should be happy to help you in any way possible and respond to your condo buying concerns and queries. In addition, he or she will go the extra mile to ensure you can buy a terrific condo that matches or exceeds your expectations.




Tags: Buying a Home   buyer tips   Condo  
Categories: Uncategorized