Bethania Camilo - Coco,Early & Associates Star Division LLC



Posted by Bethania Camilo on 2/1/2019


24 Victor St, Haverhill, MA 01832

Multi-Family

$389,900
Price

2
Units
2,424
Approx. GLA
Well maintained two family home located on side street and convenient to I495. Home features hardwood floors, ceramic tiles in bathrooms, good size yard, double driveway. Second floor unit has a new kitchen with island, stainless steel appliances, updated bathroom, freshly painted. First floor unit features hardwood floors, updated bathroom and appliances included. Great price in today's market and won't last. Call today for your private showing.
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Bethania Camilo on 1/27/2019

Home improvements are a vital part to keeping your home up-to-date with the times and also to ensure that it doesnít lose value when it comes time to sell.

To save money, many homeowners take the do-it-yourself route and use the tools at their disposal to upgrade their homes. Sites like YouTube have made it easier than ever to follow step-by-step tutorials that show you how to make substantial repairs and upgrades to your home without having to pay a professional.

The down side, however, is that when you choose to DIY, you take on the risk of going over budget by making mistakes. You also risk stretching out your project weeks or months longer than necessary due to a lack of time to work on it.

In todayís post, weíre going to talk about how you can stay on budget and on track to finish your home improvement project without bringing in the professionals.

Making a timeline

Letís start with the big picture for your home renovations. When deciding which improvements to make, itís important to know your limits in terms of the work you can do.

Set a reasonable number of hours you can work on your projects per week. Go easy on yourself. Most of us are already tired when we get home from work and probably wonít be able to start tackling big projects in the evenings. Rather, try to give yourself one weekend day to work on your projects and one weekend day to relax.

The most important aspect of creating your timeline is to try and keep your schedule open. So, write down the time you want to work on your home in your calendar, planner, or whichever app or tool you use to plan your time.

This will help you to avoid creating conflicting events and obligations, and help you stay on track to finishing your improvement projects.

If youíre looking for an evening activity related to your home improvement projects, itís a good idea to start watching some video tutorials of people doing the same renovations as you. This will help you avoid mistakes and look out for common obstacles that youíll face along the way.

Budgeting your improvement

Youíll want to save up for your project in advance, if possible, to avoid accumulating credit card debt. Your home improvement project should, in effect, gain you money by increasing the value of your home, not make you lose money on credit card interest payments.

Budgeting in itself is an art that few of us are taught in school. Fortunately, there are several free budgeting apps available. Or, you can simply draw one up yourself.

The key to creating a home improvement budget is to know how much of your monthly savings you can devote to this project without having to dip into other funds. To do this, youíll need a clear understanding of where your income goes.  

Once you have a budget and a timeline for your home improvement project, youíre ready to begin. Just make sure you check in on your timeline and your budget throughout the length of the project to make sure youíre meeting your goals and arenít overspending.




Categories: Home improvement   budget   timeline  


Posted by Bethania Camilo on 1/20/2019

Ready to submit a home loan application? Ultimately, there are many factors to consider before you finalize your submission, and these include:

1. Your Outstanding Debt

If you have outstanding student loan, car or other debt, you should try to pay it off as quickly as possible. By doing so, you can boost your chances of securing a home loan that matches or exceeds your expectations.

Take a look at your outstanding debt and make a plan to pay down your bills. With a plan in place, you may be able to reduce or eliminate outstanding debt before you complete your home loan application.

2. Your Credit Score

A strong credit score will help a homebuyer get a terrific home loan. Conversely, an inferior credit score is unlikely to do you any favors after you submit a home loan application.

Learn about your credit score before you finalize your home loan application. Then, you can allocate the necessary time and resources to boost your credit score or correct any errors on your credit report.

You are eligible for one free copy of your credit report from each of the three major credit reporting bureaus (Equifax, Experian and TransUnion). Request a copy of your credit report, and you can understand where your credit score currently stands.

Also, if you find any errors on your credit report, contact the credit reporting bureau that provided the report immediately. This will allow you to correct any credit report mistakes and reduce the risk that these errors could impact your ability to secure a home loan.

3. Your Savings

It never hurts to save money, especially if you'd like to purchase a home in the near future. If you start saving today, you may be better equipped than other homebuyers to have the necessary finances in place for a down payment on a house.

In most instances, lenders will require you to have at least a small portion of the purchase price of a home available for a down payment. If you have thousands of dollars available for a down payment, you may be able to boost your chances of getting a "Yes" from a lender after you submit your home loan application.

Getting a home loan may seem like a long, arduous process. Fortunately, many lenders are available to help you secure a great home loan.

Meet with several lenders as you explore all of your home loan options. That way, you can learn about a broad array of home loan options and choose a home loan that matches your finances perfectly.

After you secure a home loan, you'll be able to move one step closer to securing your dream residence. Of course, if you need assistance during the homebuying journey, it never hurts to reach out to a real estate agent as well.

A real estate agent will do everything possible to help you acquire a top-notch residence at an affordable price. Thus, if you employ a real estate agent, you may be able to enjoy a fast, seamless homebuying experience.




Tags: Buying a home   loans  
Categories: Buying a Home   home loans  


Posted by Bethania Camilo on 1/13/2019

The real estate market can be tough to navigate, especially if you want to obtain the best price for your house. Fortunately, we're here to help you analyze the housing sector and make informed decisions as you sell your residence.

Now, let's take a look at three tips to help you review the real estate market before you list your home.

1. Assess Housing Market Data

Learn about the prices of available houses in your city or town that are similar to your own residence. That way, you can establish a price range for your house.

Furthermore, it often is beneficial to check out the prices of recently sold residences in your area. This real estate market data will enable you to see how quickly houses are available before they sell. As such, this information may help you differentiate a buyer's market from a seller's market.

2. Conduct a House Inspection

A home inspection generally is reserved for buyers who request an inspection after a property seller accepts an offer to purchase. However, taking a proactive approach to a home inspection may go a long way toward helping you distinguish your residence from others in a competitive housing market.

During a home inspection, a property expert will examine your residence both inside and outside. This property expert then will offer an inspection report that details his or her findings. And once you have this report, you can prioritize home repairs.

Ultimately, a home inspection may help you take an objective view of your residence. After you conduct an inspection, you can complete home repairs that may help you boost your house's value as well.

3. Consult with a Real Estate Agent

If you are struggling to understand how the housing market works, there is no need to worry. In fact, you can collaborate with a real estate agent and receive housing market insights that you may struggle to obtain elsewhere.

Typically, a real estate agent will meet with you and help you map out a home selling strategy. This plan will account for the age and condition of your home, your home selling goals and the current state of the real estate market. As a result, your home selling strategy will enable you to achieve the optimal results at each stage of the home selling journey.

Let's not forget about the assistance that a real estate agent will provide as you navigate the home selling journey, either. A real estate agent will set up home showings and open house events to promote your residence to prospective buyers. Also, if you receive an offer to purchase your residence, a real estate agent will help you review this proposal and determine the best course of action.

Perform a deep analysis of the housing market before you list your residence Ė you'll be happy you did. By reviewing the real estate sector, you can find unique ways to ensure your house stands out to potential buyers and accelerate the home selling journey.





Posted by Bethania Camilo on 1/6/2019

When you have a small yard, you may feel like thereís not much you can do with your landscaping scheme. The good news is that there is plenty that you can do to perk up your yard and give it some character. Read on for tips for your small yard. 


A Yard With A View


First, you should create a focal point in your yard. You want a place that your eyes are drawn to each time you enter your yard. This focal point could be a fountain, a pergola, a tree, or even some outdoor artwork.


Create An Intimate Spot


Even though your backyard might be small, having a spot for intimate conversation and entertaining can be a nice touch to your yard. When there is a space that exists for reading, relaxing, eating, or whatever you like to do outside, it becomes more inviting. This is landscaping with a purpose.   



Use Color To Your Advantage


Make bold colors pop in your yard. Attention will be detracted from the size of your yard and the focus will switch to the beautiful blends and colors that are in the space. Placing bright colors strategically will even make your yard appear larger. 



Trick Imagery


By creating a focal point and allowing your yard to form in long, clean lines, the perspective of the outdoor space will change from small to just right. One trick is to use fences to define your yard. If you have a garden, you can use a small fence to define this area. Define the boundaries of your backyard with a fence as well. Repeating rows of flowers or bushes is another way to create those straight, defining lines. 


Use Vertical Features


When space is limited, just as you would in the inside of your house, donít be afraid to go up! You can plant things that grow on a vine and can be tamed with a trellis or pergola. This creates and elegant effect in your home. 


No Lawn No Problem


If your yard is small enough that you may not even have much grass, donít fret. Any kind of greenery can help you to enjoy nature. Whether you live in a rural area or a large cityscape, thereís always room for plant life and green natural accents.      


Donít Forget To Add What You Love


If you have an admiration for sitting by the fire, you certainly should install a fire pit. If you want a fountain, you should install it. No matter what the size of your yard, itís a place that you love and should serve you and your needs. No yard is too small for enjoyment. The key is that your outdoor space allows you to bask in the glory of your own little piece of natural heaven.    


 





Categories: small space