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Posted by Anthony Susi on 12/17/2018

Buying a new home is a commitment. Not just to a mortgage but to the house itself, the neighborhood and your local community. And for many, this is part of what makes purchasing a new home so rewarding. To have a place to truly settle into and call their own. Part of that settling in includes crafting a timeless interior that will welcome you home for years to come.

But going about creating a timeless home can feel intimidating. Magazines and television shows focus on the trends and how to keep up with whatís current. Following these cues will only leave you with a home that will become quickly outdated.  

The key is to mix a variety of styles both old and new. Resist settling for one particular style for a home that seamlessly transcends the decades to come. And while you donít want to fully jump into any one trend, adding a few accent pieces will keep your home fresh and modern. Art, throw pillows, and small details are the perfect decor pieces to take advantage of trends with. Large investment pieces, however, are best kept neutral and in a style that has already proven itself to be classic.

Styles that earn the title of classic are usually simple with just one element that reflects the era of its inspiration. Think a couch with tufting but in a warm beige or a table with ornate millwork that boasts its natural wood coloring. Whereas a tufted couch in a print or ornate millwork painted a color from a trend that has come and gone will date the look of your whole room.

Neutral colors are best used for the majority of your color palette, leaving color for your accent pieces. That doesnít mean your home needs to lack depth, however. Choose different tones for your paint swatches and reach for a variety of textures when adding fabrics. Having a diverse range of tones and textures will add visual interest without depending on color to do the job.

Natural elements such as wood, stone, and glass also help to bring depth to your neutral color palette and maintain a timeless look. Wood flooring is well worth the cost in the long run both in terms of maintenance and style. An exposed brick wall makes a statement without becoming dated. A leather couch or armchair adds warmth and sophistication. While cotton, linen and wool textiles add natural texture to your furnishings.

Homebuyers often dream about the decades to come spent in their new homeís rooms. They want to spend time living lifeís moments to the fullest and not fussing over decor every ten years. Creating a timeless look for your home doesnít have to be difficult or expensive. Keeping to a neutral color palette and natural elements guarantee a classic home that you will love coming home to for years to come.  




Categories: Uncategorized  


Posted by Anthony Susi on 12/10/2018

If budgeting isnít your thing, youíll be glad to discover that itís quite simple. Thereís a way to categorize your spending and save money easily. If you learn the rule, it will become so automatic that you wonít even think about it. If youíre saving money for a home, this practice will be essential. Break your budget down into three categories: 


  • Living expenses
  • Financial goals
  • Personal spending


Half of your budget should go towards living expenses. This number includes all of the essentials like rent or mortgage, utilities, groceries, commute costs, and insurances. 


20 percent of your income should go towards other financial goals like savings, investments, or paying down debt. Credit card bills, student loans, and other bills would fall under this category. This category is also where youíd save for your down payment, closing costs, and other expenses. This percentage can be adjustable depending on how much debt you have or how much you need to save for retirement. 


The remaining 30 percent of your income can go towards personal spending. This category includes everything that you use your money for but isnít a necessity. This percentage is also flexible. If your lifestyle doesnít require you to use all 30 percent each month, you can indeed save more money.


A Clear Plan 


These categories simplify your budget. Even if you make some adjustments to the numbers, the outline truly makes budgeting easy even for the most scatterbrained among us. It allows you to see where your money goes clearly. It also works no matter what kind of living situation you have.


The great thing about this budgeting plan is that you have some future needs built into it. Many times, when we budget, we think of our immediate needs and our shorter term goals. Saving for any occasion can never happen too early. You are able to not only focus on your current goals and the future.   



Steps


First, determine your monthly income. This number is how much money you take home after taxes. From here, youíll be able to split your money into categories by percentages. If your income fluctuates frequently, youíll need to take an average of your monthly income to determine your numbers. 


Next, you should take a look at your spending habits. These include everything from your morning latte to your monthly rent payment. From here you can make adjustments. Perhaps you need to look for a less expensive apartment. Maybe you need to cut down your weekly pizza to a bi-monthly purchase. Whatever you see in your finances, a simple percentage rule gives you the tools you need to become a saver and be well on your way to the purchase of your first home.     





Tags: saving money   budgeting  
Categories: Uncategorized  


Posted by Anthony Susi on 12/3/2018

The more you know about the process of buying a house, the better prepared you'll be for doing it successfully.

How might you define "success" when it comes to purchasing a home?

There are a lot of standards that could be applied to successfully navigating the home buying process, but here are a few that immediately come to mind:

  • Finding the house of your dreams: While very few people find a home that is absolutely perfect in every way, it is possible to come close to achieving that ideal. Although a certain amount of flexibility goes a long way, knowing what you want and prioritizing important features are among the main prerequisites to getting what you want. As baseball legend Yogi Berra once said, "If you don't know where you are going, you'll end up someplace else." Thanks to the variety of websites devoted to home ownership, home decorating, remodeling, and landscaping, it's easy to find pictures online that can help inspire your imagination and clarify exactly what the house of your dreams might look like.
  • Minimizing setbacks and frustrations: The process of house hunting is a journey that often involves bumpy roads, detours, and dead ends. One secret to getting through it successfully is to work with an experienced real estate agent who knows the ropes and can keep you on track. It also helps to approach house hunting with a sense of optimism, resourcefulness, and commitment. Although you probably have a lot of competing priorities in your life, finding a house that you and your family will be happy in for the next few years deserves a top spot on your list!
  • Avoiding unpleasant surprises: Knowing your credit score and understanding the impact it will have on getting loan approval and a favorable interest rate will help prepare you for the financial side of buying a house. The ability to get prequalified for a mortgage and come up with sufficient down payment will also set the stage for a successful home buying experience. On the plus side, a higher down payment can potentially result in a lower interest rate and not having to pay private mortgage insurance (A 20% down payment is necessary to avoid PMI.) Since many loan programs and lenders require at least a 3-5% down payment, that can be a stumbling block for first-time home buyers. To purchase a $200,000 home, for example, you'd need to come up with a cash outlay of between $6,000 to $10,000 -- not an easy feat for everyone!
If coming up with a sufficient down payment is an issue for you, your real estate agent or loan officer can work with you to brainstorm possible solutions and alternative strategies. For some first-time home buyers, the best plan is to postpone your house buying plans for a couple years until you can improve your credit score and set aside several thousand dollars for a down payment.





Posted by Anthony Susi on 12/1/2018

Looking for an adorable ranch in "Move In Condition" Then step inside this home. Perfect for first time buyers, condo alternative or downsizing. It features an eat -in kitchen with access to a 3 season porch, inviting living room, 2 good size bedrooms, lovely full bath. The finished lower features a half bath & an oversized family room with direct walk out access to an entertaining spacious backyard, 6 car parking between 2 separate driveways, freshly painted interior, shinning hardwood floors, new carpet, newer windows and doors, vinyl siding exterior, newer roof and more. Just pack your bags and move in . "Must See"

More Info on this Property | New Listing Alerts





Posted by Anthony Susi on 11/30/2018

Looking for an adorable ranch in "Move In Condition" Then step inside this home. Perfect for first time buyers, condo alternative or downsizing. It features an eat -in kitchen with access to a 3 season porch, inviting living room, 2 good size bedrooms, lovely full bath. The finished lower features a half bath & an oversized family room with direct walk out access to an entertaining spacious backyard, 6 car parking between 2 separate driveways, freshly painted interior, shinning hardwood floors, new carpet, newer windows and doors, vinyl siding exterior, newer roof and more. Just pack your bags and move in . "Must See"

More Info on this Property | New Listing Alerts