Bernadette Calvario


Posted by Bernadette Calvario on 4/11/2018

The spare room. How is it that they always seem to be a catchall for random household items and never quite turn into a useable room? If youíre tired of walking by your spare room and itís dismal mish-mash state keep reading for tips to turn it into a room youíll be excited to use. Art studio. Whether you were born with a paintbrush in hand, havenít touched one since high school or have always wanted to learn how an art studio can bring creativity into your life and home. Invest in an easel and a paint set to get started. But be sure to cover the floors for easy clean up! Unless that is you want to go for the splattered look. Reading room. Turn your spare room into a cozy reading nook by installing floor to ceiling bookshelves and some reading chairs. Create a room others will envy by building a window seat snug between two bookcases. Add ambiance with thick, ornate curtains and a plush area rug. Music room. Have you been longing to learn piano or guitar for years? Set your spare room up to be a practice space by installing soundproof walls and adding some instruments. Hooks on walls to hang your growing guitar collection or a small bookshelf for sheet music will keep your room neat and organized. Crafting room. If you have more craft supplies than you know what to do with you would probably benefit from a craft room. By dedicating space to your hobby you can organize your projects to be picked up at will and safely stored when you are ready to dive back in. If you have more than one craft you prefer you can even set up station dedicated to each one throughout your room. Add a cozy sitting chair for knitting or needlepoint or a large desk for scrapbooking or sewing. Playroom. Give your kids a space of their own by creating a playroom to store all their toys and have ample room to play with them. The extra space allows you to add fun playtime extras like a rug with a racetrack printed on it or a large dollhouse. A playroom also helps kids transition from playtime to other activities throughout the day. Movie theater. If you are a movie buff consider turning your spare room into the ultimate home movie theater experience. Large reclining chairs with cupholders add the comfort of the movie going experience. Pick up a screen projector and popcorn machine to recreate that theater feel. Home office Donít let the extra space your spare room offers go to waste. Clear out any clutter thatís built up over the years and dedicate it to a new hobby, a long loved pastime or a place for your family to gather and spend time. Your options are endless so get creative and then get to work!




Tags: family fun   spare room   playroom  
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Posted by Bernadette Calvario on 12/27/2017

The Crown Jewel of Strathmore has so much to offer like NEW! This desirable end unit has been rebuilt/renovated from top to bottom with nothing but the best craftsmanship. Three spacious open & bright living levels includes new Kitchen cabinets with granite, hardwoods, stainless steel appliances & moldings, opens into Family room with brick fireplace and sliders to back private deck. Front door greets you with gleaming hardwoods, formal rooms, half bath w/all rooms painted w/Benjamin Moore. Second level offers a Master w/walk in closet, private balcony and Master-bath which is also a hollywood bath from main hallway, w/double vanity sinks soaring cathedral ceiling and stack-able laundry area. Another spacious bedroom and an open loft area with sky light. A modern feel with open banister railings from FR to the lower level offers a fabulous finished walk out game room or possible third bedroom for teen! A separate storage area....All located in a great town, mins to West Hill Dam~

More Info on this Property | New Listing Alerts





Posted by Bernadette Calvario on 9/27/2017

After a thorough review of the real estate market, you've found your dream home. Now, you just need to submit a fair offer that the home seller will accept. Regardless of whether you're shopping for a home in a buyers' market or a sellers' market, you'll want to avoid the risk of submitting a "lowball" offer, i.e. an offer that a home seller will turn down immediately. Remember, if you want to land your ideal home, you'll likely need to submit an offer that is attractive to a home seller. And if you know what it takes to minimize the dangers of submitting a lowball proposal, you'll be better equipped to secure your dream house quickly. Making a fair offer on a home is simple Ė here are three tips to ensure you can avoid the dangers of submitting a lowball offer: 1. Review the Real Estate Market. As a diligent homebuyer, you've probably checked out dozens of residences in your search for the perfect home. Along the way, you might have even noticed that home prices vary depending on the size and condition of a residence. The real estate market remains in a constant state of flux, and what a home is worth today is unlikely what it is going to be worth in five years. However, a homebuyer who evaluates real estate market trends as well as prices of similar homes in a particular area should have no trouble submitting a fair offer on his or her dream house. 2. Evaluate the Condition of the Home. Keep in mind that the condition of the home may impact its short- and long-term value. Thus, you should try to submit an offer that accounts for the overall condition of a residence. For instance, a home's old furnace may need to be replaced in the near future, and doing so could prove to be both costly and time-consuming. But if you consider the cost of a new furnace installation in your proposal, you may be able to justify submitting an offer that is below a home seller's initial asking price. Or, in some cases, you may be able to convince the home seller to repair or replace this furnace to seal the deal. 3. Understand Your Budget. You've been pre-approved for a mortgage and know your budget for a new home. When you submit an offer, you should keep your budget in mind and ensure you'll be able to make the mortgage payments if a home seller accepts your proposal. A homebuyer who understands his or her budget can explore residences within a set price range. And ultimately, this homebuyer will be able to eliminate the chance of submitting a lowball offer on a house that he or she may be unable to afford down the line. When in doubt, don't be afraid to discuss your options with your real estate agent, too. This professional can offer insights into how much similar homes in an area have sold for recently, along with other housing market resources and tips to help you secure a house at a fair price. Avoid the dangers of submitting a lowball offer on a home, and you'll be better equipped to land your dream residence without delay.





Posted by Bernadette Calvario on 9/20/2017

It may be the last thing that you want to hear. But, keeping up with your mortgage payments may not be enough to keep you in your house. Homeowners living in major cities have been faced with these three scary things that could push  you out of your house.

Why you could lose your home even if you've been making mortgage payments

At the top of the list of scary things that could force you out of your home are property taxes. Penalties for making late property tax payments vary from state to state. Depending on where you live, you could be hit with interest on property taxes that you owe.

The interest may accrue monthly. This offers good incentive to catch up in your property tax payments as soon as possible. Fall behind on paying property taxes for a year or longer and local government could send someone from the sheriff's office to your house to serve you papers.

A lien might be placed on your house. If you don't resolve the issue in time, you could watch your house get sold. Even if the local government doesn't sell your house after you fall to far behind in your property tax payments, your name could be published in a list of delinquent property tax payers.

More scary things that could take your house

Should you decide to sell your house and move out of an area that has high property tax rates, the fact that you're on the delinquent list could scare away potential buyers. You also might decide not to put your house on the market, choosing instead to argue with local government officials about the injury that rising property taxes could cause to thousands, perhaps millions of people.

Rising interest rates and failing personal health could cause you to lose your home. Let your health fail and you may not be able to generate enough income to pay homeowners insurance, mortgage insurance or interest rates.

You might only have enough money to cover the principal on your mortgage. Similar to property taxes, rising interest rates could force you to spend $100 or more extra money to keep your house. To keep up with these costs, you could start falling behind in your mortgage.

Paying your mortgage may not keep you safe

Falling behind in your monthly mortgage payments isn't the only thing that could cost you to lose your home. Rising property taxes, interest rates and health challenges could also see you get forced out of your house.

Buying a house in a jurisdiction that sharply increases the amount of property tax that you owe could also cost you a house. Changes in interest rates and your personal health could also significantly impact your ability to stay in your house. The only way out of the tight spot might be to sell your house, bring in a renter or start building a savings that you can fall back on should one of the three scary things that could take your house occur.




Tags: house   lose your home  
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Posted by Bernadette Calvario on 9/15/2017

Grafton, MA:

This Single-Family in Grafton, MA recently sold for $270,000.
This is a Cape style home and features 6 total rooms, 1 full bath, 4 bedrooms, 0.35 acres, and was sold by
Bernadette Calvario - Coldwell Banker Residential Brokerage




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