Friday, October 3, 2014

Open Houses Franklin MA and surrounding Area Oct 4-5

Open Houses         
Franklin MA and Surrounding Areas October 4th & 5th

Looking for an open house in the area?     Here's the list for the upcoming weekend.    Franklin, Bellingham, Milford, Walpole, Medway, Millis, Medfield, Blackstone, Foxboro, Mansfield, North Attleboro, Wrentham, Norfolk, Plainville, etc.


List of open houses Saturday & Sunday  (towns in Alphabetical order)


From Franklin to Bellingham to Medfield to Walpole to Milford to  Mansfield and everything in between, you'll find a lot to chose from!    

Need a Buyers Agent?    We can help!   
        Accredited Buyers Reps for more than 20 years!    


Friday, September 26, 2014

List of Open Houses Weekend September 28th Franklin MA and surrounding areas

List of  Open Houses this weekend                  
Franklin MA and Surrounding Areas

 Looking for an open house in the area?     Here's the list for the upcoming weekend.

List of open houses in the area this weekend  (towns in Alphabetical order)

From Franklin to Bellingham to Medfield to Walpole to Milford to  Mansfield and everything in between, you'll find a lot to chose from!    

Friday, September 5, 2014

Looking for Open Houses Franklin MA and Surrounding Areas Sept 28?

List of  Open Houses this weekend                  
Franklin MA and Surrounding Areas

 Looking for an open house in the area?     Here's the list for the upcoming weekend.

List of open houses in the area this weekend  (towns in Alphabetical order)

From Franklin to Bellingham to Medfield to Walpole to Milford to  Mansfield and everything in between, you'll find a lot to chose from!   



508-494-9061


Monday, September 1, 2014

Home Buying Boot Camp part 1


Home Buying Boot Camp     part 1

Home Buying Boot Camp part 1.    Boot Camp.   Makes buying a house sound like work doesn't it?   It's not really, but just like anything else, getting in shape and being prepared reduces stress and makes you a solid, confident buyer!

You've been thinking of buying a home.   Why not?  It's a great time with interest rates low, inventory to choose from and favorable programs out there.
Carol Ann Palmieri Realtor

I remember getting off that bus at Parris Island so many long years ago thinking, 
"What the Hell did I just do?"   
 I also remember buying a home, thinking the exact same thing!   

 You don't have to feel that way!     Over the past 26 years, I've found that following these very simple and precise steps will help you become that lean, mean, buying machine!  


Get off the Bus!   One of the hardest things for me and I think for many, is just making that decision to jump into the marketLook at what's happening at the moment.    Interest rates are very low.   It is probably less expensive to buy than to rent.   
Get Pre-Qualified.   Before you even start looking at homes on the internet or in person, speak to a bonafide lender.   Finding out what your buying power is will not only make you a more powerful buyer, it will give your search a focus in terms of, not only type of housing, but location too.     Once you know where you might want to look and at what you want to look at, it's time to get down to business.    
(Remember, If you are a veteran, look into using that GI home loan benefit.)
Hire A Buyers Agent!   In most cases, this will not cost you a dime.    In fact, it should save you money!   Remember the listing agent, or the one who's name is on the sign out front, works for the seller.   It is their obligation to get that seller the highest price with the best terms possible!    Get your own agent.   One who is obligated to you and your interests!   It will start your search off on the right track and keep it going in the right direction.   How do you find an agent?   Ask for referrals from friends and family.   Google the person.   Question their experience, dedication, commitment and work style.      Conduct an interview!
Narrow Down Your Criteria.    Be realistic for your price range and your abilities.   Can you keep up with a giant yard?    Are you able to take on large projects?    Do you need those granite counter tops today?     Know what's really important and what's a nice to have.   Just as important, know what your would absolutely not compromise on. 
Begin Your Search. 

  • Have your agent set you up on their web search program.   
  • Don't automatically weed homes out by photos.  It's really important that you keep an open mind and not immediately exclude a home because of poor photos.   Photos are likely to be deceiving one way or the other.  
  • Get out and physically see some homes.  
  • Manage your expectations.   If the market or your taste dictates, be mentally prepared to change your "ideal" criteria.   
  •  Be available.  If it's a hot market, you might need to get into that new listing asap. 
stay tuned for 
Home Buying Boot Camp   part 2


  • The offer process 
  • How to arrive at offer price
  • Negotiating your offer
  • The home inspection
  • What to expect at Closing.  

Wednesday, August 6, 2014

Franklin MA Real Estate Market Report July 2014

Franklin MA Real Estate Market Report July 2014

Franklin MA Real Estate Market Report for July 2014

Want to know what's happening in Franklin MA?
Prices are up in July vs last July.    Condo sales are hot.
Franklin Municipal Affordable Housing Trust picked a lottery winner!     



Looking to Buy, Sell, Rent or Invest anywhere?    Call me!

Out of my service area?    No worries!
 I have a world wide referral network of experienced professionals!

508-494-9061

cal@alandcal..com

Monday, July 21, 2014

Using Your Veterans Benefit To Buy A Home

Using Your Veterans Benefit To Buy A Home
 
Using Your Veterans Benefit to Buy A Home.   Probably one of the most talked about GI benefits is the VA Home Loan.   You've  heard about it, but have you thought of it using it?   
 
What is the benefit?            How can it help you?              What's the process?  
 
If you have been following my blog for awhile, it is pretty clear that Veterans are near and dear to my heart.   Al and I are proud members of families with strong ties to the US Military.    Being a veteran myself, I take great pride in helping others obtain their housing needs.   Using the VA home loan is one of those benefits that can help many.    US Veteran
 
Experience tells me that in our area, this is an under used tool by many real estate agents and loan officers.    Why?   Because like anything with the government, there are a few internal twists.  But fear not!   If you hire an experienced agent and have the right loan officer, you don't have to even think of these.       
 
What's the Benefit?  For purposes of today's blog, we're talking about the VA home loan.   The loan is available through private lenders to Service members, Veterans, and qualifying surviving spouses.   In a nutshell the VA stands behind the loan, guaranteeing a portion of it, eliminating the need for a 20% down payment or in lieu of that, costly private mortgage insurance.    It can be used to buy, build, or refi a primary  residence. 
(There are other housing related programs that will help assist in repairing, retaining, or adapting a personal home.   Stay tuned for future blog.)

How Can It Help You?
  • Limited or Zero Down payment
  • No Mortgage Insurance (there is a one time funding fee)
  • Re-Usable & Assumable

What's the Process?   The first question to ask is, do you qualify?   In other words are you you a Service member, Veterans, and qualifying surviving spouse?   If the answer is yes:
  • Hire a Realtor experienced  working with and negotiating VA transactions.
  • Get financially pre-qualified by a lender that does VA backed loans.   (Not all banks do.)
  • You will need a COE (Certificate of Eligibility)   The lender can help you with this.
  • Find Your Home
  • Negotiate the terms of your transaction
  • Apply for your loan
  • Closing
 
In my 26 year real estate career, I am proud to say that have helped many veterans find and sell homes.    Some take advantage of their benefits.   All should at least look into them.     
 
I have experience in negotiating home sales including new construction using the VA home loan.  
 
If you are a vet looking for a home give me a call!   
 
I promise to go the extra mile for you!
 
http://www.alandcal.com 

Sunday, July 13, 2014

Being Single and Buying or Selling A Home

Being Single and Buying or Selling A Home

There is no question about it.   Buying or Selling a home in any circumstance is emotionally charged.   There are ways to help manage the "single" stress. 

Over the years, I have come to realize that buying or selling a home is much different for single folks than it is for couples.    In fact, I can speak from experience!    Not just from being a Realtor, but from having been a single person in the real estate arena.

http://www.publicdomainpictures.net/view-image.php?image=66377&picture=single-figure-on-the-beach
Without another person who's financial hat is also in the ring, a real estate transaction can be a lonely, exaggerated, and overwhelming process.  

Buyer's/Seller's Remorse.    Everyone experiences this joy of an emotion, BUT, it typically hits at different times in the process.  For example, one might experience after an offer is accepted, while another experiences it just prior to the closing.

The good news is this emotion doesn't last for long.  The big difference here is obvious.    In a partnership transaction, there is someone to lean on while waiting for this lovely emotion to pass.  

Making the Decision.   There are lots and lots of BIG & little decisions to make when buying or selling a home.   From choosing where to live or marketing strategy,    It's always easier to have someone to bounce things off of.   But, here is the big thing.   It is easier to make a decision,and more comforting too, when that decision is being made by more than one who's feet are in the water.  

Doing the Legwork.   Sharing the work load is always easier, especially if you have a full time life!    There are a lot of moving pieces in a transaction.    Facing the laundry list of the large and small can be daunting.   Couples can share in this but the single buyer/seller is has the disadvantage of fitting it all on his/her plate.  

Strengths and Weaknesses.   Yin and Yang, what ever you want to call it.   I can handle this, you can handle that.   What seems to you a big deal may not be to your partner and the other way around.  

So, what can you do to make it easier if you are single?   

  • Hire a competent, understanding Realtor.  One that communicates well and has the experience to project ahead and has resources for you.
  • Make a list of what's important and what isn't.   
  • Pick a person to lean on for decisions.   One.  Not many.   Too many opinions and well meaning intentions will become overwhelming. 
  • Know the steps of the transaction.    Knowing in advance,will help with the pieces of the puzzle as they present them self.      
  •  Hire professionals to help manage the work load.   Attorneys, Movers, etc.  Don't expect to do this all on your own!
  • Anticipate Buyers or Sellers Remorse.   Second guessing ourselves is human nature.  Know that this emotion happens to everyone and it will go away.   
  • Ask for Help.      You might need help getting that paperwork from here to there or letting the movers into the house.   It's probably the hardest thing for any of us to do, but you have to ask. 
 
 ______________________________

Looking to Buy, Sell, Rent or Invest?   

Put my 26 years of experience to work for you!   

 Call or contact me by phone 508-494-9061 or email to cal@alandcal.com