Bernadette Calvario


Posted by Bernadette Calvario on 8/14/2019

Buying a home is a huge deal. First-time buyers transform from renters to owners in a single transaction, a change that has far-reaching implications about how you see yourself. 

Being an owner grounds you in your community.
When you buy a home, you create deep community connections in a way renting never can. After all, when you’re a renter, your relationship to the actual property and structure are less personal. You don’t own it, so if something goes wrong, you call the landlord—the owner—to make repairs. If the wind blows shingles off it is the owner’s insurance that handles getting a new roof. When a natural disaster strikes you know someone else will take care of it.

Now, as the owner, all these things are yours to manage. When you live in the property that you own, you are your own landlord. You’re the property manager in charge of repairs. The buck stops with you! 

Don’t let all that responsibility deter you, though. It is that very sense of duty that creates pride of ownership. While your home doesn’t define you, it does represent you in the neighborhood and to your community. And with the responsibility come all the rights of ownership as well. 

Every payment you make toward your mortgage principle adds value—equity—to your home. Each time you maintain your home and yard, you’re helping it retain that equity. As a renter, your payment went to the owner’s equity. So, if you make improvements to your home, and continue to pay toward the principle, that equity accrues to you. 

Equity increases when the community or neighborhood becomes more desirable so that the fair-market value goes up. Increases due to economic growth and demand add up to more value for you … instead of an increase in your rent payment that goes to a landlord.

Being an owner helps your bottom line in other ways too.
The most predictable thing about renting is that rent will go up. That means any increase you might get to your wages or salary must go toward rent rather than something else you’d like to have. If you have a fixed mortgage, the basic cost of your housing remains the same year over year. When you receive that cost of living adjustment or new position with a bump to your income, you can spend it on improvements to your home to further increase its value, pay off some other debt, or spend it on something else entirely. It gives you choices.

Because you appreciate your property, it appreciates in value.

If you've never owned a home and would like to explore the possibility, start by contacting a real estate agent and get the conversation started.





Posted by Bernadette Calvario on 8/7/2019

As a home seller, you'll likely want to do whatever you can to promote your house to the right groups of homebuyers. Thus, hosting an open house is a must, particularly for a seller who wants to enjoy a fast, profitable home selling experience.

Ultimately, there are many reasons to conduct an open house, and these include:

1. You can stir up interest in your house.

An open house enables you to provide homebuyers with an up-close look at your residence. It allows these buyers to look beyond a home listing, and as such, may lead to many potential offers on your home.

Of course, an open house empowers you to show off the true size and beauty of your home as well. If you allocate the necessary time and resources to clean your home prior to an open house, you may increase the likelihood of securing offers at the event's conclusion.

2. You can respond to homebuyers' questions.

Although a home listing may include details about your house's age and condition, it fails to provide homebuyers with a "feel" of what it's like to walk around inside and outside your residence. Fortunately, an open house allows buyers to get a first-hand look at your residence and determine whether your house matches or exceeds their expectations.

Furthermore, an open house provides homebuyers with the opportunity to ask questions about your house. And if you provide buyers with the information they request, you can make it easy for them to decide whether to submit an offer on your home.

3. You can analyze homebuyers' interest in your residence.

Believe it or not, an open house can help you gauge the effectiveness of your marketing efforts.

For instance, an open house that features dozens of potential buyers likely can be considered a resounding success. On the other hand, if no buyers attend your open house, you may need to reevaluate your home's initial asking price and other home selling factors.

When it comes to hosting an open house, there is a lot to consider. Luckily, you can work with a real estate agent to streamline the process of putting together a successful open house.

A real estate agent is a home selling guide who can offer expert tips and insights at each stage of the home selling journey. He or she will learn about your residence and help you map out a successful home selling plan. Perhaps best of all, a real estate agent will set up open houses, help you assess offers on your residence and ensure you can make the best-possible decisions throughout the home selling process.

If you're worried about hosting an open house, there is no need to stress. Hire a real estate agent today, and you'll be able to receive comprehensive home selling support. In fact, with a real estate agent at your disposal, you can seamlessly navigate the home selling cycle.





Posted by Bernadette Calvario on 7/31/2019

Buying a home should be a quick, simple process. However, the homebuying cycle sometimes proves to be a hassle, particularly for those who are shopping for a house for the first time.

Lucky for you, there are many quick, easy ways to become a smart homebuyer – here are three tips to ensure you can make informed decisions throughout the homebuying journey.

1. Check Out a Broad Array of Houses

Purchasing a home can be a fun, exciting journey, especially if you explore a wide range of residences.

Remember, the more residences you check out, the more likely it becomes that you'll find one that matches or exceeds your expectations.

When you review houses, be sure to analyze each property's interior and exterior closely. That way, you can identify any problem areas and determine whether these issues are potential deal-breakers.

Also, don't hesitate to check out the same house multiple times. It never hurts to take a second look at a house. And if you find that you enjoy a home after a second walk-through, you may be ready to submit an offer on this residence.

2. Set a Homebuying Budget

Before you make an offer on a house, it is important to consider exactly what you can afford. By doing so, you can avoid the temptation to overspend in the hopes of acquiring your dream house.

Many homebuyers get pre-approved for a mortgage – something that may prove to be exceedingly valuable.

With pre-approval for a mortgage, a homebuyer will know exactly how much money he or she can spend on a home. This will enable a homebuyer to enter the housing market with a budget in hand and map out his or her home search accordingly.

Furthermore, consider your monthly expenses prior to submitting a home offer. Electricity and assorted utility expenses can add up quickly, so you'll want to account for these costs. And if you want cable and internet services at your new home, you'll want to evaluate these potential expenses as well.

3. Consult with a Real Estate Agent

A real estate agent is a housing market professional, and as such, will help you simplify the process of going from homebuyer to homeowner.

Typically, a real estate agent will meet with you to understand your homebuying needs. He or she then will help you develop a homebuying strategy, one that ensures you can purchase your ideal house at a budget-friendly price.

With a real estate agent at your side, you should have no trouble acquiring a wonderful residence. This housing market professional will set up home showings, keep you up to date about new property listings and negotiate with home sellers on your behalf. As a result, a real estate agent will guarantee you can get the best results possible throughout the home selling journey.

Don't leave anything to chance as you kick off your home search. Instead, use the aforementioned tips, and you can become a smart home shopper in no time at all.




Categories: Buying a Home   buying tips  


Posted by Bernadette Calvario on 7/30/2019

This Single-Family in Franklin, MA recently sold for $634,000. This Colonial,Contemporary style home was sold by Bernadette Calvario - Coldwell Banker Residential Brokerage.


138 MASTRO, Franklin, MA 02038

Single-Family

$645,000
Price
$634,000
Sale Price

9
Rooms
4
Beds
2/1
Full/Half Baths
Beautiful Contemporary Colonial Located in a Wonderful Kennedy School Neighborhood. From the Charming Front Porch Enter to a 2 Story Foyer. Private 1st Flr Office/Den has French Doors, Custom Built Ins & a 2 Sided FP! The Perfect Home for Entertaining w/ Great Open Floor Plan! A Huge Cooks Kitchen w/ Commercial Grade Range, Hood & Double Ovens, Custom Cabinetry, an 11ft Island, Pantry & Large Eating Area w/Beautiful Picture Windows Overlooking a Private Back Yard. A Step Down Family Room w/Brazilian Cherry Floors & Stone Fireplace. Beautiful Light Filled Formal Dining Room w/ 2 sided FP & More Picture Windows! Nice Large Side Entry Mud Room! Upstairs You Will Find a Luxurious Master Suite w/ Tray Ceiling, Fireplace, Hardwoods, French Doors to Large Walkin Closet, & Huge Master Bath w/ Jacuzzi, Shower & Double Vanity. Three additional bedrooms, One of Which Has an Adjoining Bonus Room w/ Limitless Possibilities! Large Main Bath & 2nd Flr Laundry. Enjoy the Awesome Cul De Sac Location!

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Categories: Sold Homes  


Posted by Bernadette Calvario on 7/26/2019

Spectacular Northside Location~ A major make-over has given this home a crisp updated NEW look including neutral tones of grey painting. The beautiful newer maple kitchen with granite counters, tiled back-splash & SS appliances offers a custom built-in peninsula for eat-in dining. Opens into the formal dining room w/crown molding. Egress off kitchen to a great size deck and patio. The spacious family room greets you with a brick fireplace & 2019 refinished hardwood floors! A nice size bedroom/den and 2018 updated full bath/laundry complete this fabulous first floor~Upper level offers you two great size Bedrooms/Master & renovated 2018 full bath with hardwoods. Fenced in backyard & two sheds! Solar panels on rear roof! A semi-finished basement waiting for your finishing touch! Enjoy miles of walking trails close by and middle school also nearby..In the heart of Framingham with so much at your finger tips. Stellar schools make this a great place to call HOME!

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