Ann Marie Martin


Posted by Ann Marie Martin on 7/16/2018

You recently listed your home on the real estate market, and now, you've received your first offer. However, you only have a short period of time to review the proposal and accept, reject or counter it. Determining how to handle an offer on your home can be challenging. Fortunately, we're happy to help you fully evaluate an offer so you can make an informed decision. There are numerous factors to consider as you review an offer on your house, including: 1. Price In some cases, homebuyers may submit a "lowball" offer in the hopes of getting a seller to jump at a quick sale. If a home seller accepts this offer, a homebuyer is able to purchase a terrific home at a bargain price. Conversely, if a home seller rejects or counters the offer, a homebuyer may have an opportunity to reconsider his or her options. As a home seller, you should consider how much you are willing to accept for your residence before you add it to the real estate market. By doing so, you can list your home for a fair price and act quickly and effectively as you receive offers. Also, flexibility is paramount for home sellers. And even though you may list your home for a particular price, you may want to consider accepting an offer below your initial asking price if you're looking for a quick sale. 2. Sale of a Buyer's Home Although a homebuyer may submit an offer that is at or above your initial asking price, the proposal may have strings attached that could slow down the home selling process. For instance, a homebuyer could make an offer that is contingent upon him or her selling a residence within a set period of time. But if this homebuyer is unable to sell his or her house, your home sale could fall through, which could cost you both time and money. In this scenario, consider your options carefully. If you believe you can receive other offers from homebuyers who don't require this contingency, you may be better off rejecting or countering the proposal. 3. Your Timeline If you've already secured a new home and need to sell your current residence as quickly as possible, you may want to consider accepting an offer even if it is below your initial asking price. On the other hand, if you are able to afford two mortgages for an extended period of time, you may be better equipped to wait out a slow real estate market. When it comes to determining whether to accept an offer on your residence, consulting with your real estate agent usually is a great idea. This professional can offer expert resources you might struggle to find elsewhere and empower you with the insights you need to make the best decision possible. Consider the aforementioned factors as you evaluate an offer on your home, and you should be able to accept, reject or counter a proposal with confidence.





Posted by Ann Marie Martin on 7/13/2018


3006 Thorndike St, Palmer, MA 01009

Bondsville

Single-Family

$339,500
Price

9
Rooms
4
Beds
1/1
Full/Half Baths
SPECTACULAR !! 20.1 ACRES THIS STUNNING ANTIQUE FARMHOUSE IS BEAUTIFUL INSIDE AND OUT !! 2 Acres are cleared with wonderful perennial gardens. Enjoy you own piece of paradise right in your own back yard. Enjoy the land for recreation, animals, just enjoy. This home has been meticulously cared for and is looking for a family to love it as much as these owners have for the past 42 years. This home has been restored with all it's original character and charm, from tin ceilings, to yellow pine floors, and stained glass door. The sun rises on the open front porch for your morning coffee, and a lovely screened back porch to sit and enjoy the long summer nights. Large 2 car garage, new oil tank, and new hot water heater. TRULY A WELL-CARED FOR HOME !
Open House
Sunday
July 15 at 12:00 PM to 2:00 PM
Ann Marie Martin 413-206-1161
Cannot make the Open Houses?
Location: 3006 Thorndike St, Palmer, MA 01009    Get Directions

Similar Properties





Categories: Price Change  


Posted by Ann Marie Martin on 7/10/2018


3006 Thorndike St, Palmer, MA 01009

Bondsville

Single-Family

$349,500
Price

9
Rooms
4
Beds
1/1
Full/Half Baths
SPECTACULAR !! 20.1 ACRES THIS STUNNING ANTIQUE FARMHOUSE IS BEAUTIFUL INSIDE AND OUT !! 2 Acres are cleared with wonderful perennial gardens. Enjoy you own piece of paradise right in your own back yard. Enjoy the land for recreation, animals, just enjoy. This home has been meticulously cared for and is looking for a family to love it as much as these owners have for the past 42 years. This home has been restored with all it's original character and charm, from tin ceilings, to yellow pine floors, and stained glass door. The sun rises on the open front porch for your morning coffee, and a lovely screened back porch to sit and enjoy the long summer nights. Large 2 car garage, new oil tank, and new hot water heater. TRULY A WELL-CARED FOR HOME !
Open House
Sunday
July 15 at 12:00 PM to 2:00 PM
Ann Marie Martin 413-206-1161
Cannot make the Open Houses?
Location: 3006 Thorndike St, Palmer, MA 01009    Get Directions

Similar Properties





Categories: Open House  


Posted by Ann Marie Martin on 7/9/2018

If you're in the market to buy your first home, you're probably experiencing a variety of emotions, ranging from excitement to trepidation. Owning your first home is a major accomplishment and lifestyle change, but it also brings with it a lot of responsibility. Not only will you have to make mortgage payments every month and pay property taxes on time, but you can no longer turn to your landlord when the furnace quits or your refrigerator dies. As former U.S. president Harry Truman once said, "The buck stops here."

Understanding Your Credit Rating

One thing you might want to become acquainted with before diving into a full-fledged house search is your credit report. Your credit score, as determined by the three major credit reporting companies, is a reflection of your ability and willingness to pay your bills on time. Banks and mortgage companies factor in this information when deciding whether to approve you for a loan. Your credit score also has an impact on the interest rate you're offered. Also called a "FICO" score, this scale ranges from a low of 300 points to a high of 800. The higher your score, the more desirable you're viewed as a potential loan customer.

If you'd like to find out where your credit score stands, you can get that information for free (once a year) from Equifax, Experian, and TransUnion. Unlike lenders, they don't take into account factors like income and length of employment. The main things they look at are payment history, amounts owed, and length of credit history. If your credit cards are maxed out or you've been late with payments, then that will lower your credit score and make it more difficult to obtain the most favorable interest rates and loan terms. Fortunately, there are a number of commonsense measures you can take to improve your credit score. Side note: Errors may occasionally crop up in your credit report, so it pays to review them on an annual basis and dispute erroneous or outdated information.

Steering Clear of Other Pitfalls

While buying your first home can seem like an intimidating process, an experienced real estate agent can guide you and make the journey a lot easier. A licensed agent can help you get the process rolling, keep you on track, and resolve problems. There are plenty of situations in life where going it alone is a viable strategy, but buying your first home is not necessarily one of them. By working with a real estate agent, you'll avoid unnecessary frustration, stress, and costly mistakes. You'll also stand a greater chance of finding just the right home for your needs, desired lifestyle, and budget.





Posted by Ann Marie Martin on 7/2/2018

Technologies for home theater audio are rapidly changing. At one time if you wanted a good listening experience in your living room you have to spend hundreds on surround sound speakers, subwoofers, and receivers. Then, you had to run wires throughout the room and try programming your remote to make it all work.

While surround sound speakers are still a good option, there are other ways to experience quality audio in your home. In this article, we’re giving you a guide to choosing a home audio system that fits your needs and, more importantly, your budget.

Sound bars 

The latest addition to home theater audio is the sound bar. These are slim, sleek speakers that usually come with a small subwoofer.

Sound bars come in several varieties. Some are plug-and-play, meaning you don’t need to worry about purchasing amplifiers or devices, you just plug them into your television via an HDMI cable or connect to your TV through Bluetooth and you’re done.

Other sound bars are more like bases that your TV sits on top of. Sound bases aren’t as popular as they once were, so there are limited options. Furthermore, they typically don’t include a separate subwoofer so they can lack deep bass.

The other benefit of sound bars is just how simple they are to use. Even the cheapest sound bars often come with Bluetooth, so you only have to worry about one outlet spot for the power cord.

For most homeowners who want sound quality far better than their television’s internal speakers can provide, sound bars are an easy way to vastly improve your audio experience without breaking your wallet.

Before buying a sound bar, try them out at a local electronics store to gauge what quality you need. You also might want to measure your television to find one that matches its width.

Surround sound

The classic home theater experience is a bit more complicated. However, you can often buy a “home theater in a box” which includes everything you need for an audio system.

Most commonly, you’ll find 5.1-channel surround sound. This means there are five speakers and one subwoofer included in the box. These systems have one central speaker, two speakers that are placed to the left and right side of the television, and two rear speakers. However, you can also find 7.1-channel systems which include two extra speakers.

Many “home theater in a box” packages include an audio receiver. However, if you already have one, your money will be better spent on buying a higher quality speaker system than replacing your receiver.

The downfall of buying a speaker/receiver package is that their quality is often only marginally better than a (much simpler and easier to set up) sound bar. To get the optimal experience out of a surround sound system, you’ll need to spend more and do your research.

So, if you have a high budget and want a dynamic, high-quality surround sound system, your best bet is to buy a quality receiver (usually somewhere in the $600 range) and then spend the bulk of your budget on speakers.