Posted by Peggy Farber on 3/20/2019

Many homeowners have a difficult relationship with their homeowners association. On the one hand, the HOA helps your community stay safe, clean, and makes it a desirable place to live which improves the property value of your home. But, on the other hand, homeowners associations can be a problem if you want to make a change to your property that they disagree with.

 In this article, weíll talk about some common issues that homeowners face in their dealings with homeowners associations and give you tips on how to handle them so that youíll have the best possible outcome.

 Study the rules carefully

It may seem like a nuisance, but your best defense when dealing with the homeowners association is to understand whatís expected of you. Not only will it help you stay on good terms with the HOA, but it will also make it easier to understand what your options are.

Itís a good idea to understand these rules and bylaws before you ever move into the neighborhood, but itís never too late to learn them. It might help you later on down the road should you want to paint your house or build a new structure in your yard.

Introduce yourself to the members

Itís best to get off on the right foot with the other members of your homeowners association. You donít want your first meeting to be a complaint against you, nor do you want to introduce yourself to someone only to make a complaint against someone else.

It will also give you a chance to ask questions about the community and to get an understanding of how easy or difficult it is to deal with the regulations of the homeowners association.

Donít assume ill-will

If you find that a complaint has been raised against you, donít act immediately. Take some time to compose your response and be sure to acknowledge the complaint. Odds are that the other members of the HOA arenít there just to give you a hard time.

Choose your battles

There are some things worth fighting for when it comes to your home. However, you donít want to be repeatedly challenging the HOA on small issues. Stick to the rules on the things that arenít hugely important, that way other members wonít come to expect issues from you.

Follow protocol

When youíre required to get permission from the board before making a change to your property, be sure you follow the steps laid out in your agreement. Doing so will avoid any unnecessary conflict.

Pay all dues and fines on time

Even if you are in the middle of a disagreement with the HOA, itís better to continue paying your dues and fines that to leave them outstanding. If you donít pay, you risk further penalty, including fees.

Plan ahead if you want to change the rules

If youíre dissatisfied with some or man of the rules of the homeowners association, odds are youíre not alone. First, start by talking with other neighborhood members. If they have similar views on the rules in question, you can bring them up collectively at the next meeting.

Your second option would be to run for the board and try to enact the changes yourself. However, you should never seek a position out of spite or anger. Only volunteer your time and effort if you want to lend a hand in your community and make life better for all of the inhabitants.

 




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Posted by Peggy Farber on 3/13/2019


135 Crescent Lane , Brewster, MA 02631

Brewster (village)

Condo

$225,000
Price

2
Total Rooms
2
Beds
2/1
Full/Half Baths
This is your perfect Cape Cod get-a-way at an attractive price point! Just the right size with 2 bedrooms and 2 and 1/2 baths with second floor laundry hook ups. Located on the inner circle of Crescent Lane. So many amenities offered at The Colony with both indoor and outdoor pools, tennis, clubhouse and the grounds are well maintained and lovely. All right in the heart of Brewster and convenient to everything from beaches to brunches!This Townhouse has the advantage of being ready to make it your very own, with all your own taste in the upgrades. It has been freshly painted and wood composite flooring laid in living area. Sliders to your patio and reserved parking in front. Come and take a look and be in by summer!!
Open House
No scheduled Open Houses

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Tags: Brewster   Real Estate   02631   Condo  
Categories: New Homes  


Posted by Peggy Farber on 3/13/2019

Many first-time home buyers are worried about all of the documents and information theyíll have to gather when applying for a mortgage. If youíre anything like me, youíre 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 todayís article, weíll talk about the documents youíll 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, letís 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 doesnít include a detailed credit analysis, nor do you need to provide many specific details or documents.

Typically, youíll 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 havenít 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 wonít need to provide them with any information for this step, as theyíll be able to automatically receive the report from the major credit reporting bureaus. However, itís a good idea to check your report before applying to make sure there arenít any errors that could damage your credit.

Now is where the legwork comes in.

Youíll 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, youíll still need to provide income verification, usually as a Form 1040, or ďIndividual income tax return.Ē

  • Two forms of identification. A driverís 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 youíve 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,  youíll 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.





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Posted by Peggy Farber on 3/6/2019

Moving to a new home can be either a fun experience or a very stressful time for you. It all depends on the way you manage the move. Being prepared for the entire process is one definite way of making sure that the whole moving experience is a fun one for you. Follow these simple ideas for a smooth moving operation.

  • Find a moving company. Except you want to do the moving yourself, you might be better off with a professional moving company. Ask for good recommendations and decide on one mover that is well within your budget. Schedule a date for the moving with the company when you finally pick one. You can begin this about two months before you have to leave, to give you enough time to wrap up the process.
  • Sort and purge. Decide what you want to move to your new home. Some items will probably be too old or useless where you are going too, so you should sell, give to your neighbors or donate to charity. During this period, you should also work on exhausting things that you wonít move, such as perishable food items or cleaning supplies. Ideally, you should start doing this about six weeks before your moving date.
  • Start Packing. At about a month to your moving date, you should start packing your non-essential items into boxes. Things that you don't use frequently should be the first to go in your boxes. Make sure you mark individual boxes with a label that identifies what is in the box and what room itís going to in your new home. As your move date draws nearer, everything you no longer need until you settle in at your new home you should pack at once.
  • Clear out your home. If you have storage facilities outside your current home, like a garage or shed, you should start clearing them out for the move. You want to avoid forgetting something that might turn out to be very important. Wash, dry and pack up all your clothing too. Also, donít forget to return all items you may have borrowed from neighbors in the past.
  • Final arrangements. In the last days before you leave, go round your house a few times to be sure you are not leaving anything behind. Pack a night bag that you can live out of, pending when you finally settle in at your new home. If you are using professional movers, be sure to ask them for wardrobe boxes to make it easier to have your clothes when you arrive. If you need recommendations on moving companies, ask around at the next neighborhood meeting.

Moving doesn't need to be stressful for you if handled well. Sometimes all you need is a plan of action.




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Posted by Peggy Farber on 2/27/2019

Want to transform an ordinary garage sale into a successful one? Sell your electronics, and you can cut down on clutter, earn extra cash and speed up the home selling process.

If you plan to list your home in the near future, a garage sale offers a great opportunity to remove excess items from your house. Meanwhile, there are many electronics that you can sell to help stir up interest in your garage sale, and these include:

1. TV

You may be in no hurry to get rid of your big-screen TV. However, it is important to remember the time and energy it may take to move your TV from one home to another.

Ultimately, you may need to hire a moving company if you want to guarantee your TV can make it to a new address. And if you decide to move your TV on your own, you may struggle to do so due to its size and weight.

If you intend to sell your TV during your garage sale, you should learn as much as possible about this device. That way, you can establish a competitive price for your TV.

Also, if you have a TV remote or DVD player that complements your TV, you may want to consider selling these items at your garage sale.

2. Video Game Console

After spending many hours playing video games, now may prove to be the perfect time to sell your favorite video game console.

Many garage sale shoppers search far and wide for video game consoles, which means you may be able to generate plenty of interest in your video game system. In addition, if you own a "retro" video game console, you may be able to turn a significant profit from it.

If you sell a video game console during your yard sale, ensure the device works properly and includes all associated cables and wires. Furthermore, perform online research to understand the true value of your video game console to guarantee you can price it competitively.

3. Computer

An old computer may take up space in your house. Fortunately, a garage sale makes it simple to get rid of this device before you sell your residence.

When it comes to selling a computer, it is always better to err on the side of caution. Thus, you should clear your computer's hard drive to remove any sensitive information from the device altogether.

Moreover, if you own a printer, mouse or other items that complement your computer, it may be worthwhile to sell them as part of a package deal.

Selling your electronics at a garage sale may be one of the first steps to eliminate excess items from your residence prior to adding your home to the real estate market.

Lastly, if you need extra help with selling your home, you should collaborate with a real estate agent. By doing so, you can seamlessly navigate the home selling cycle and boost your chances of a profitable home sale.




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