Open house on 12/16/2018 at 17 Elm St Amherst, MA 01002


Date: 12/16/2018 Time: 11:30 AM to 1:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

In Town!! Stylish Bill Gass original, one of only two houses on Elm Street! Walk to Amherst center, shops, restaurants, UMass, and more. Inside you will find a lovely screened porch that leads out to the patio, renovated kitchen with gorgeous cabinetry and breakfast area, dining room, half bath, office, and inviting, spacious living room with fireplace. On the second level there are 2 bedrooms and a full bath. Wood floors throughout, crown moldings, dutch doors. The yard is perfect for relaxing and entertaining. Attached 1 car garage. Charming Classic New England Cape with modern updates, natural light, and a great location! One of a kind!

Why Your Home Is Still On The Market

In a seller’s market, you shouldn’t have a home that’s simply sitting there. If a home isn’t selling and the market is hot, something must be wrong. There are many different reasons that your home isn’t selling. Below, you’ll discover some of those issues and what you can due to remedy the problems.

You Need To Adjust Your Expectations

Many people put their homes on the market expecting high results. While it’s good to have confidence, it can be detrimental to your home sale. Great expectations can lead to an overpriced home, a lack in marketing efforts, or lowering the price of the home too late. All of these situations can be detrimental to your home sale. Research and hiring a realtor to help you with the sale can keep you organized and assist ou in staying on top of the market. 

 You Don’t Understand Home Values

If you’re selling your home on your own, you may not have priced the property correctly especially if you have no professional experience. This is where a realtor comes in. A real estate agent can do the professional market research that finds the sweet spot for a price on a home for sale. Knowing that price is one of the best ways to sell your home fast. Without a well-valued home, it could sit idle in a good market. 

Your Home Is Neglected

If you have been neglecting various projects around your home, you could find that it’s more difficult to sell your home. Buyers want the best house for the lowest possible price. Homes that have been properly maintained with the right HVAC maintenance, yard upkeep, and regular appliance services are more likely to be scooped up fast by buyers. 

Before your home even goes on the market, you should do any tasks around the house that you have been neglecting. The investment of both time and money will be worth it for you in the long term when you go to sell your home. 

The Photos Aren’t Professional

The marketing efforts used to sell a home are very important. On the top of this list is the photos that represent the house. Most home buyers begin their search online. This means the first impression that they get of your home is from pictures. If these are not well done, it could be very detrimental to your home sale. 

For good photos, be sure that you get rid of all the clutter from your space before the pictures are taken. It’s really best to hire a professional to deal with his aspect of home marketing. If you must take the photos on your own, using a better camera than that a cell phone provides can really be a step up in the picture taking process.

              

Open house on 12/9/2018 at 12 Pleasant Court Amherst, MA 01002


Date: 12/09/2018 Time: 1:00 PM to 3:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

Welcome to a seldom offered location on a small private road nearly in downtown Amherst. Walk around the corner to the University Campus. This location is a best kept secret. Bill Gass built this colonial gambrel out of 2 homes moved from Quabbin Reservoir. The house offers grace and space and privacy. Inside find a large open living room with one of the three fireplaces.There are 4 bedrooms, a nursery or office and the master Bedroom can be on the first floor with an attached bath or the second floor with the second fireplace. The third fireplace is in the basement waiting to be part of your family room design. Over an acre of land is another asset rarely found so near to Amherst Center. If you are searching for a special location, add this home to the top of your list. Motivated Seller.

The Documents You’ll Need to Get Pre-Approved for a Home Loan

Many first-time home buyers are worried about all of the documents and information they’ll have to gather when applying for a mortgage. If you’re anything like me, you’re probably dreading having to dig through the five places that these documents might be. Fortunately, the process is now somewhat streamlined thanks to lenders being able to collect most of your information digitally.

In today’s article, we’ll talk about the documents you’ll need to collect when you apply for a home loan so that you feel prepared and confident reaching out to lenders.

Documents needed to pre-qualify

Before going into applying for a mortgage, let’s talk about pre-qualification. There are three types, or in some cases steps, of approval with most mortgage lenders: pre-qualification, pre-approval, and approval.

Pre-qualification is one of the earliest and simplest steps to getting pre-approved. It gives you a snapshot of the types and amount of loans you can receive. Pre-qualification typically doesn’t include a detailed credit analysis, nor do you need to provide many specific details or documents.

Typically, you’ll fill out a questionnaire describing your debts, income, and assets, and they will give you an estimate of the loan you might qualify for. Might is the key word here. Your pre-qualification amount is not guaranteed as you haven’t yet provided official proof of your information.

Documents needed for pre-approval

Getting pre-approved for a mortgage entails significantly more work on the part of you and your lender than pre-qualification. First, the lender will run a credit analysis. You won’t need to provide them with any information for this step, as they’ll be able to automatically receive the report from the major credit reporting bureaus. However, it’s a good idea to check your report before applying to make sure there aren’t any errors that could damage your credit.

Now is where the legwork comes in.

You’ll need to gather the following documents to get officially pre-approved or approved for a mortgage:

  • W-2 forms from the previous two years. If you are self-employed, you’ll still need to provide income verification, usually as a Form 1040, or “Individual income tax return.”

  • Two forms of identification. A driver’s license, passport, and social security card are three commonly accepted forms of identification.

  • Pay stubs or detailed income information for the past two or three months. This ensures lenders that you are currently financially stable.

  • Federal and State income tax returns from the past two years. If you file your taxes online, you can often download a PDF version that includes your W-2 or 1040 forms, making the process of submitting tax and income verification much easier.

  • Personal contact information. Name, address, phone number, email address, and any former addresses which you’ve lived in the past two years.

  • Bank statements from the previous two months. Also, if you have any assets, such as a 401K, stocks, or mutual fund,  you’ll be asked to include those as well.

  • A complete list of your debts. Though these will likely be on your credit report, lenders want to ensure they have the full picture when it comes to how much you owe other creditors and lenders.