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Posted by Hillman Homes on 5/20/2019

Obtaining a home loan is a must for most homebuyers. However, there is a lot to think about to ensure a homebuyer can secure a loan that matches or exceeds his or her expectations.

Some of the key questions to consider about a home loan include:

1. What is a home loan's interest rate?

It is paramount to understand a home loan's interest rate, along with any associated loan fees. That way, a homebuyer will know exactly how much he or she will be paying over the life of a home loan.

If a homebuyer chooses a fixed-rate mortgage, he or she can lock in an interest rate for the duration of a home loan. This means a homebuyer will pay the same amount each month. And in many instances, a fixed-rate mortgage can be paid off early without penalty.

On the other hand, a homebuyer may prefer an adjustable-rate mortgage. With this type of mortgage, a homebuyer may receive a lower interest rate initially that rises after a set period of time.

Compare and contrast the different home loan options and their associated interest rates. By doing so, a homebuyer can make an informed home loan decision, one that serves him or her well both now and in the future.

2. Does a home loan require a minimum down payment?

Ask a lender about whether there is a minimum down payment required as part of a home loan agreement. Typically, a homebuyer will need to pay at least a small portion of a home's price to secure a home loan, and it certainly helps to have this information available before you start evaluating available residences.

In addition, it may be worthwhile to save as much money as possible prior to starting a home search. With money at your disposal, you may be better equipped than ever before to make a large down payment, thereby reducing the amount that you'll need for a home loan. Plus, you may even be able to boost your chances of getting a favorable home loan interest rate.

3. Will I need to provide legal documents to obtain a home loan?

Lenders will require you to provide proof of your income and assets, W-2 statements and other legal documents to finalize a home loan agreement. If you stay organized and have these documents readily available, you should have no trouble providing them to a lender as needed.

Overall, the home loan application process may vary from several weeks to many months. The time it takes to secure a home loan can be stressful, and if you need extra help along the way, it never hurts to reach out to a real estate agent.

With a real estate agent at your side, you can streamline the process of buying your dream home. This housing market professional can offer expert tips throughout the homebuying journey and ensure you can discover a great house at an affordable price.

Take the guesswork out of securing a home loan – consider the aforementioned questions, and you can move one step closer to getting the financing you need to obtain your ideal residence.




Tags: Buying a home   loans  
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Posted by Hillman Homes on 5/15/2019

Should I Stay or Should I Go? Aging in place options.Do you want to age in place?  Move on?

A three-person panel discussion will explore decisions and resources  around staying in the home vs. selling the home, organizing and downsizing and how home care works and can be used. 

 

The free, educational program is open to the public and is scheduled for Wednesday, June 12, 5.30 p.m. to 7p.m. at FirstLight Home Care of West Suburban Boston, 109 – 123 Highland Avenue, Suite 301, Needham, MA  02494 (directly across from Panera Bread and between TD Bank and Petco).

 

Panelists will include Pat Bernabei, professional organizer and downsizing expert of Sort It Out Boston based in Newton; Rachel Foy, Hillman Homes located in Newton; and Steve Stern of FirstLight Home Care of West Suburban Boston, situated in Needham.

 

This interactive presentation encourages participants to ask questions and provide their own anecdotes.

 

As Founder of Sort It Out Boston, Pat Bernabei has helped hundreds of people move, get organized, and transition to new phases in their lives.  As an active member of the National Association of Senior Move Managers (NASMM) she has earned the distinction of Senior Move Manager-Certified (SMM-C) and Certified Relocation and Transition Specialist (CRTS). Sort It Out Boston received NASMM’s A+ Accreditation, the organization’s highest standard of professional achievement. Pat is also an active member of the National Association of Productivity and Organizing Professionals (NAPO) and the Newton-Needham Chamber of Commerce.

 

As a Seniors Real Estate Specialist (SRES), Rachel Foy meets the special needs of maturing Americans when selling, buying, relocating, or refinancing residential or investment properties. Additionally, Rachel is a Broker/Owner, REALTOR® and a member of REBAC, Real Estate Buyer’s Agent Council; Accredited Buyers Representative (ABR); Certified Residential Specialist (CRS), Greater Boston Real Estate Board; National Association of Realtors and Massachusetts Association of Realtors.

 

Steve Stern’s company FirstLight Home Care is a leading provider of non-medical home care, helping individuals in more than 30 states achieve the quality of life they deserve. The company has set a new standard in home care by creating an unmatched Culture of Care that drives industry-leading client and employee satisfaction. FirstLight is a lifeline not only for seniors, but for people recovering from illness, injury or surgery; adults with disabilities; and anyone over the age of 18 who needs extra assistance. Care can be provided at private residences, as well as independent and assisted living communities.

 

To RSVP, please visit https://bit.ly/2YySoY1.




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Posted by Hillman Homes on 5/13/2019

Modern kitchen designs can make a huge difference when setting the value of your home. Even if you might not be planning to sell your home right away, your kitchen might deserve a timeless makeover so that it’s always ready for the market. Before you get started on the changes, you’ll need to come up with a plan. Some kitchen changes are easy, but others will take your cooking areas down for a while, so they’ll require more planning.

Choosing the Right Color

Look through any design magazine, and the first thing you'll notice is white. Due to its ability to reflect light, white can make small kitchens look more substantial, which is always a selling point. Don't think you're stuck with just one color either. There are dozens, if not hundreds of shades of white and you can mix them together to create a multi-dimensional look. It's also easy to match with your appliances since no matter what you're willing to spend, all appliances come in at least one shade of white.

Timeless Cabinets

No question, Shaker-style cabinets are the most timeless choice. From country cottages to modern lofts, the rail and stile look is a wide-ranging solution for any kitchen. Whether the doors are polished wood or painted, you can complete the style with your choice of knobs or handles. Available in a variety of qualities and finishes, you can get entirely new cabinets or just replace the doors on your existing ones to update the look at a lower cost. If you have custom cabinets with odd sizes, you'll either need to find a cabinet maker or if you're good at DIY projects you can try making them yourself.

Countertop Styles

Counters are the most used part of the kitchen. You probably already know to stay away from dated materials like Formica but watch out for current fad materials as well. For the longest lasting choices, go with marble, concrete or solid surface materials that mimic them. Butcher-block is also a timeless look, though it doesn’t last quite as long and can require more care. The least expensive choices are usually concrete and butcher-block but keep an eye out for deals on fancier materials like quartz.

Before you start updating your kitchen for a better home value, ask your real estate agent for a professional kitchen evaluation. They can help you choose which updates make the most sense for both your layout and your budget.





Posted by Hillman Homes on 5/9/2019

Immaculate fully remodeled 2nd floor unit in desirable Sharon Green! All new cherry laminate floors throughout. Beautiful new eat-in kitchen with state-of-the-art Bosch stainless steel appliances, granite counter tops, and plenty of cabinet space. All new bedrooms and bathroom doors. Spacious and sunny living/dining room with a private balcony. All updated master bedroom with ample closet space. Second bedroom with good size closet. Brand new tiled bathroom with bath and shower. Large entrance foyer. Additional storage in the basement. Washer and dryer in the building. Two deeded parking spaces with unlimited guest parking. ALL UTILITIES are included in condo fee. Fabulous complex with amenities including swimming pool and tennis court; nice walking paths. Wonderful location: close proximity to all major routes, train station; walking distance to all shopping and restaurants. All showings start at Open House on Saturday, May 11 from 12:00 pm to 1:30 pm.

More Info on this Property | New Listing Alerts




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Posted by Hillman Homes on 5/6/2019

When a mother delivers a baby, it’s a joyous time for family and friends. The joy that overtakes everyone knowing that a new life has just entered the world. Everyone can become consumed with just the baby and not realize that the parents are need of a little TLC as well. There are some practical things to take the load off the new parents. 

Housekeeping

If there is someone very close to you that has recently given birth, offer to clean the house while they are away at the hospital or home with the baby. You could also offer to help relieve some of the household chores during the pregnancy. As women approach the end of the pregnancy, household chores can become very challenging. 

Cook A Meal

In some cultures, the family prepares food weekly for the parents, after a child is born allowing for more bonding time with the parents. Make a yummy casserole or stop by their favorite take-out spot and pick up something they would like. Organizing a meal train is also a way to get other friends and families involved during the early weeks of birth. If you want to keep organized online, tools like Make Me A Meal and Meal Train can do just that. The websites create calendars for everyone to see who is next in line to prepare a meal. This may also be an excellent time to grocery shop for the household if needed. Make it a one-stop shop.

Pet Care

With a new baby at home, the fur babies are not the focus anymore. Giving them a little care will relieve some of the stress for the parents. Take the pets out for a walk, bring them some food or just offer to spend time playing with them. If both parties are comfortable, offer to pet sit for a couple of days or weeks so that the parents are not overwhelmed with having to worry about something else.

Babysit

If the new parents already have children, take the older children out for ice cream or to the movies. Depending on their age, they may feel a little neglected with the new baby being around. This will be a relief for the new parents as they figure out their new normal.

Positive Affirmations

Doing all the things listed above may seem already very generous but making the parents look like they are unique or valued is priceless. A new mother may just need someone to tell them that they are doing a great job. That they are the being the best parents to their baby. 

The most significant gift that you can give to a new parent, is support. Whether it is physical or emotional, Always remember to be positive and uplifting during this time.




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