Mark Maraglia
EXIT Premier Real Estate | 508-272-8761 | markm@exitpremier.com


Posted by Mark Maraglia on 2/21/2019

Want to buy a house for the first time? Create a budget, and you can move one step closer to transforming your homebuying dream into a reality.

Now, let's take a look at three budgeting tips that every first-time homebuyer needs to know.

1. Don't Wait to Start Saving for a Down Payment

In most instances, a down payment on a home ranges from 5 percent to 20 percent. With a large down payment, you may be able to reduce your monthly mortgage expenses.

A lender may be more willing to provide you with a favorable mortgage if you can afford an above-average down payment. This means if you have plenty of money for a down payment, you could save money over the life of your mortgage.

2. Take a Look at Your Outstanding Debt

Student loan charges, credit card bills and other outstanding debt may make it tough for you to get the financing that you need to buy a house. Fortunately, if you pay down your outstanding debt as much as possible, you can boost your chances of buying your dream house.

Evaluate your current spending and make cuts if possible. For example, if you dine out several times a week, it may be more cost-effective to buy groceries and cook your own meals. Then, you'll have extra money that you can use to pay off outstanding debt and save for a house.

3. Understand Your Credit Score

Do you know your credit score? If not, you may be missing out on opportunities to eliminate outstanding debt and increase your home savings.

You are eligible for a free annual copy of your credit report from each of the three credit reporting bureaus (Equifax, Experian and TransUnion). Take advantage of this perk, and you can receive insights into your credit score.

If you obtain your free credit reports and find outstanding debt, you should try to pay off this debt sooner rather than later. Because the longer that you wait to pay off outstanding debt, the longer it may take you to acquire your ideal residence.

Furthermore, if you discover errors on a credit report, contact the reporting bureau immediately. This will enable you to fix any report errors before you get a mortgage.

If you need additional assistance as you map out a homebuying budget, it often pays to collaborate with a bank or credit union. In addition to providing you with multiple mortgage options, a lender will offer expert recommendations to help you budget for your first home purchase.

Lastly, don't hesitate to reach out to a real estate agent as well. This housing market professional is happy to help you get in touch with the best lenders in your area. And when you're ready to kick off your inaugural homebuying journey, a real estate agent can provide you with the support you need, precisely when you need it.

Use the aforementioned tips, and you can establish an effective homebuying budget.




Tags: Buying a home   budgeting  
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Posted by Mark Maraglia on 2/15/2019

Rockland Affordable Condo Comfort ideal for a First Time Homebuyer. HEAT & HOT WATER INCLUDED! And with All The Appliances Plus Laundry & In-Ground Swimming Pool On Sight, What's there Not to Love! Close to Shopping, Restaurants, Commuter Rail, & the Golf Course. Feel like a King or Queen with your Own Spacious One Bedroom Condo, Ideal for Entertaining, Safe & Secure. Features include: Newer Rugs & Windows in 2018, Updated Kitchen & Bathroom. Call Today before it is Gone!

More Info on this Property | New Listing Alerts





Posted by Mark Maraglia on 2/14/2019

Whether it's for your children or grandchildren starting a kid-friendly garden is a rewarding activity for everyone. It’s a great hobby to enjoy together and a wonderful learning experience for you both.

Start by sectioning off a piece of your yard or garden just for them. If you already have a garden or plan on starting one of your own this will allow your child to have a space of their own and protect your more advanced plants from their inexperience. They will love to have a corner for themselves! Allow them to do as they please here and decorate it as they wish.

When putting their garden together don’t make all the decisions for them. Allow them to pick out which plants to grow and/or where they will be planted. Help them choose from plants they are already familiar with or to create a themed garden such as a pizza, rainbow or alphabetical garden. Herbs and edible flowers make for an exciting sensory experience and make great additions to a child-friendly garden.

After choosing what to plant start with your seedlings indoors. Now is a great time to start educating them about the growing process, what to expect and what their role in helping their new plants grow will be. Visit the library together to check out some books all about gardening. Children’s educational books with lots of bright, colorful pictures and easy to read words will help them feel like this really is their project and responsibility to learn about.

If choosing potted plants take them with you and teach them the signs of a healthy plant. Allowing them to choose which plant to take home will create excitement and ownership over the gardening process.

Assign your child age-appropriate tasks for caring for their garden and assist them where needed. As much as it is their garden they will need your help to keep it alive and thriving. This could be planting the initial seedlings, weekly watering, or regular weeding. And be sure to include them when it comes time to harvest all of your hard work together!

Keep the learning process and excitement alive with activities to track the progress of their garden. Consider helping them start a plant journal where they can track color, growth or draw depictions of their plants. You could also keep a photo record of your child standing next to the plant each week to track its growth in a fun, visual way.

Gardening is an enriching, relaxing and educational pastime for adults and children alike. Spend quality time with your child by helping them start a garden of their very own, even if it's just a small corner of your own prized garden. Reap the rewards!





Posted by Mark Maraglia on 2/8/2019

BROCKTON BUDGET PRICED 8RM, 4BEDRM, 1 BATH RANCH STYLE HOME REMODELED TO PERFECTION=with ALL NEW FLOORING, EVERY ROOM FRESHLY PAINTED, PLENTY OF CLOSET SPACE, A BONUS ROOM, A STAINLESS STEEL APPLIANCE KITCHEN & IN MOVE-IN-READY CONDITION. OFFERING AN OVERSIZED FENCED IN BACKYARD DESIGNED FOR ENTERTAINING. with a BBQ COOKING AREA, PATIO, and a CABANA. BRING THE WHOLE FAMILY! THIS BEAUTIFUL HOME IS PRICED TO SELL so PLAN ON BEING FIRST IN LINE! OUR FIRST SHOWING will be at our OPEN HOUSE WEEKEND this Saturday February 9th from 1PM until 3PM & Sunday February 10th from 1PM until 3PM

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Posted by Mark Maraglia on 2/7/2019

When it comes to adding your residence to the real estate market, it is always better to err on the side of diligence.

Ultimately, there are many reasons to become a diligent home seller, including:

1. You can price your house competitively from the get-go.

For those who want to become diligent home sellers, it is paramount to set a competitive price from the get-go. By doing so, a diligent home seller can stir up plenty of interest in his or her house and boost the chances of a quick home sale.

A diligent home seller will allocate the necessary time and resources to learn about the real estate market. As such, this home seller will have no trouble establishing a competitive price for his or her residence from day one.

In addition, a diligent home seller will examine the prices of available houses that are similar to his or her own. With this housing market data in hand, a diligent home seller can establish a price range for his or her residence.

2. You can identify home improvement opportunities.

A diligent home seller likely understands that his or her residence has various pros and cons. At the same time, this property seller recognizes home improvement opportunities.

To learn about home improvement opportunities, a diligent home seller usually will conduct a home appraisal. This appraisal enables a property inspector to evaluate a residence and provide the home seller with an in-depth report about the house's condition. Then, the home seller can use these property insights to streamline his or her home improvement efforts.

Completing a series of home improvements can make a world of difference in the eyes of homebuyers. In fact, a diligent home seller will prioritize home improvement projects and finish assorted home interior and exterior tasks to transform an ordinary residence into a stellar one.

3. You can keep your cool in stressful negotiations with a homebuyer.

Let's face it – no home seller wants to worry about stressful negotiations with a property buyer. Fortunately, a diligent home seller will know what it takes to remain calm, cool and collected as home selling negotiations proceed.

A diligent home seller will understand the true value of his or her house. Thus, this home seller can enter negotiations with actionable data to help him or her make informed decisions.

Plus, a diligent home seller will maintain an open approach throughout negotiations. This approach will enable a home seller to listen to what a homebuyer has to say at all times. And if a home seller maintains an open approach, he or she increases the likelihood that all parties involved in negotiations will get the best possible results.

If you ever need extra assistance as you prepare to list your residence, you can always reach out to a real estate agent too.

Even a diligent home seller will collaborate with a real estate agent to get home selling guidance. That way, a diligent home seller can move one step closer to optimizing the value of his or her residence.




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