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


Posted by Mark Maraglia on 1/17/2019

Ready to submit a home loan application? Ultimately, there are many factors to consider before you finalize your submission, and these include:

1. Your Outstanding Debt

If you have outstanding student loan, car or other debt, you should try to pay it off as quickly as possible. By doing so, you can boost your chances of securing a home loan that matches or exceeds your expectations.

Take a look at your outstanding debt and make a plan to pay down your bills. With a plan in place, you may be able to reduce or eliminate outstanding debt before you complete your home loan application.

2. Your Credit Score

A strong credit score will help a homebuyer get a terrific home loan. Conversely, an inferior credit score is unlikely to do you any favors after you submit a home loan application.

Learn about your credit score before you finalize your home loan application. Then, you can allocate the necessary time and resources to boost your credit score or correct any errors on your credit report.

You are eligible for one free copy of your credit report from each of the three major credit reporting bureaus (Equifax, Experian and TransUnion). Request a copy of your credit report, and you can understand where your credit score currently stands.

Also, if you find any errors on your credit report, contact the credit reporting bureau that provided the report immediately. This will allow you to correct any credit report mistakes and reduce the risk that these errors could impact your ability to secure a home loan.

3. Your Savings

It never hurts to save money, especially if you'd like to purchase a home in the near future. If you start saving today, you may be better equipped than other homebuyers to have the necessary finances in place for a down payment on a house.

In most instances, lenders will require you to have at least a small portion of the purchase price of a home available for a down payment. If you have thousands of dollars available for a down payment, you may be able to boost your chances of getting a "Yes" from a lender after you submit your home loan application.

Getting a home loan may seem like a long, arduous process. Fortunately, many lenders are available to help you secure a great home loan.

Meet with several lenders as you explore all of your home loan options. That way, you can learn about a broad array of home loan options and choose a home loan that matches your finances perfectly.

After you secure a home loan, you'll be able to move one step closer to securing your dream residence. Of course, if you need assistance during the homebuying journey, it never hurts to reach out to a real estate agent as well.

A real estate agent will do everything possible to help you acquire a top-notch residence at an affordable price. Thus, if you employ a real estate agent, you may be able to enjoy a fast, seamless homebuying experience.




Tags: Buying a home   loans  
Categories: Uncategorized  


Posted by Mark Maraglia on 1/10/2019

Youíve closed on your new house, moved all your boxes, and started planning how to arrange your furniture. Your family canít wait to settle in and regain a sense of normalcy after the chaos of moving. But before you get back to your normal routine be sure to add these tasks for new homeowners to your to do list. Each takes just an hour of your time and will help you to stay on top of maintenance as well as familiarize yourself with your new domain.

Start by finding out where your main water shutoff valve is located. This is not something you want to have to find when you are in an emergency. In colder climates, itís most likely to be found in your basement and if you are in a warmer climate you should find it outside. If you keep a binder for home updates add a note of the location within.

Make sure your attic insulation is the correct depth. You want at least 6 inches and even more in northern states. Ensuring that your insulation is the correct depth will help you to save money throughout the year on heating and cooling costs. If youíre attic doesnít have the correct depth or is damaged be sure to have it replaced as soon as possible. Oftentimes you can get incentives for improving your insulation and thus creating a more energy efficient home.

Check the temperature of your hot water heater and be sure it is set at 120 degrees tops. If you have an older model add a hot water heater blanket to help retain heat. If you find that your heater leaks you want to replace it immediately. A small leak can quickly lead to a major one, flood your home and cause serious damage. Again, be sure to keep note of the month and year you replaced your heater or which year your current model is.

Replace air filters right away so that you will know when theyíve last been replaced. Add monthly reminders to your calendar to stay on top of this quick maintenance task. You can make this task even easier by buying them in bulk. If you love to be organized label them for each month so you know exactly when youíll next need to replace them.

Change all of the locks on your home. This is simple enough to do on your own and is an easy proactive safety measure for your family. While one hopes there are no lingering keys out in the world of your home, you canít be sure of who may have a spare key.  

Take note of any cracks in your basement. If you find any mark their length with a piece of masking tape and mark with the current date. Watch closely to see if the crack spreads beyond the mark. If you find that the cracks are lengthening be sure to get them taken care of by a professional. This is a serious repair you donít want to wait on.

Buying a new home is an exciting time. Especially after youíve closed on the house, can begin to move in and start settling into your routine. Before you get too comfortable be sure to add a few tasks to your to do list. Familiarizing yourself with your new home right away will help you stay on top of maintenance and have peace of mind.




Categories: Uncategorized  


Posted by Mark Maraglia on 1/3/2019

If you've spent much time online seeking ways to sell your home, you've probably run across "professional home staging" options. While many of these are a great choice, they can be cost-prohibitive if your agent doesn't include those services with your sale. You aren't left in the lurch though, you can do a variety of things with your existing furnishings to clean up your home and make it more appealing to buyers. The hardest part of this process is to take yourself out of the house. It no longer matters what you love or what each room means to you, its now about creating a blank but appealing canvas that your potential buyers can see ways to make their own.

Properly staged homes, and that usually means neutrally staged, often sell up to 50% faster and for up to 10% or more over the asking price. Want in on this extra profit?

Itís easy as 123Ö

1. Clean and Neutral Colors: give your rooms a fresh coat of paint in neutral tones. Creams, warm grays and sand tones can brighten up your rooms without going all the way to white which creates an inviting look. It's not just the paint though, apply the same rules to your furniture and window coverings. Try to get as much natural sunlight into each room as possible and use bright and light tones to reflect that light around the room. Don't forget the bathrooms here, going for brighter neutral patterns on shower curtains, rugs and towels as well.

2. No More Hoarding (at least not in public): Yes, those pictures of your wedding or your kids are incredibly important to you, but this is about your buyers. Too much clutter or too many personal items in a design can make it difficult for potential buyers to decorate in their mind. You want your buyer to see themselves in the space, not you. That means removing family photos, trophies, kids' art and basically anything that speaks to your family life in the home. If youíre living in the home and showing at the same time, try going through your belongings and packing up things you donít need into a storage unit. Keeping your closets only comfortably full and storage spaces empty of holiday decorations makes them more appealing to buyers.

3. Simple Spaces for Anyone: Remember that storage unit? Use it again for extra furniture. Keep only the items that work best in the space. Remove over-sized or extra-personal items to help your buyers see the house and what they can do with it. Stick with furniture that goes with the home itself, rather than the pieces you have for sentimental value. Also, remember to remove all or the majority of items that make a space age-specific where possible. Unless you're explicitly showing off a nursery, make the rest of the home design work regardless of children or buyers' ages. 

Your real estate professional can give you specific advice based on your particular possessions and home layout.




Categories: Uncategorized  


Posted by Mark Maraglia on 12/27/2018

If you recently submitted an offer on a house and received a "Yes" from the seller, you likely will need to schedule a home inspection in the next few days or weeks. Ultimately, an inspection can make or break a house sale, so you'll want to plan for this evaluation accordingly.

Fortunately, there are several steps that a homebuyer can follow to plan for an inspection, and these are:

1. Find an Expert Home Inspector

All home inspectors are not created equal. And if you make a poor selection, you risk missing out on potential home problems that could prove to be costly and time-intensive down the line.

Before you schedule a home inspection, evaluate the home inspectors in your area. That way, you can find an expert home inspector who will go above and beyond the call of duty to assess a residence.

Reach out to a variety of home inspectors and ask for client referrals. Then, you can contact home inspectors' past clients to better understand whether a home inspector can match or exceed your expectations.

Furthermore, a real estate agent can help you find a qualified home inspector. In addition to helping you buy a home, this housing market professional can put you in touch with top-rated home inspectors in your city or town.

2. Make a Home Inspection Checklist

When it comes to preparing for a home inspection, it usually pays to be diligent. Thus, you'll want to put together a checklist beforehand to ensure that you know exactly which areas of a house that you want to examine.

A home inspection checklist may emphasize looking at a house's roof, heating and cooling system and much more. Also, it may be worthwhile to include questions to ask a home inspector in your checklist. This will ensure that you can receive comprehensive support from a home inspector throughout your house evaluation.

3. Consider the Best- and Worst-Case Home Inspection Scenarios

Although you'd like to believe that a home that you want to buy is in perfect or near-perfect condition, an inspection may reveal a wide range of problems. However, if you prepare for the best- and worst-case home inspection situations, you can increase the likelihood of staying calm, cool and collected in even the most stressful post-home inspection scenario.

If a home inspection reveals that there are no major issues with a house, you're likely good to go with your home purchase. Next, a home appraisal may need to be completed, and you'll be on your way to finalizing your transaction.

Conversely, if various problems are discovered during a home inspection, you may need to reconsider your home purchase. In this scenario, you may want to ask a seller to perform home repairs or request a price reduction. Or, you can always walk away from a home purchase as well.

If you need extra help preparing for a home inspection, you can always reach out to a real estate agent too. In fact, with a real estate agent at your side, you can get the assistance that you need to conduct a successful home inspection.




Categories: Uncategorized  


Posted by Mark Maraglia on 12/20/2018

Your dishwasher is one of the best appliances that you own. It saves you tons of time and aggravation from hand-washing all of the dishes each and every night after dinner. Itís not an appliance that we replace often, so you need to make sure that we maintain it correctly in order to get a good lifespan out of your investment. Taking good care of your appliances can also help to keep up the value of your home when you go to sell it. Homebuyers prefer to have appliances that are updated and well maintained. Below, youíll find some tips for extending the life of your dishwasher. You may not think that an item that cleans needs to be cleaned itself, but thereís plenty of things that you can do to keep your dishwasher clean and working well in order to have sparkling dishes.  


Load It And Use It


This may seem obvious, but itís important to actually use your dishwasher. Running cycles regularly can help you to keep the machine running smoothly and keep away debris and food particles. If you donít have a full load, try and run the dishwasher at least every other day. Youíll save money and energy if you wait to run the washer on a full load, so donít overdo it. You just donít want to go a week or more without running the dishwasher, as it will allow a lot of buildup to occur, making the dishwasher work harder to clean the dishes that are loaded in it.     


To keep the washer running effectively, youíll want to always load it correctly according to the guidelines for your particular dishwasher. For a thorough clean, use a commercial dishwasher cleaner from time to time when you run the washer on its own without any dishes in it. This will keep a stench from building up and allow your dishes to clean more thoroughly.  


Scrape Food Debris


Although your dishwasher and the detergent are equipped to get rid of food debris, scraping food off of plates prior to loading them into the dishwasher can help to prevent damage and maintain proper drainage from the washer itself. The dishes will also come out of the cycle a bit cleaner than if you have left a ton of food and sauce debris on your plates. Scraping the food rather than pre-rinsing the dishes also is a good way to conserve water. While pre-rinsing your dishes may seem like a good idea, over the life of your dishwasher, you can save tens of thousands of gallons of water.