How To Increase Your Home’s Curb Appeal

Whether your selling your home, moving into your First Home or just staying pat, everyone wants a home that looks great. Achieving a high level of curb appeal can be easier than you think. Making a few inexpensive changes can take the exterior of you home from bland to exciting.

The best place to start is with a good cleaning. Pressure washing the exterior of your home is an inexpensive way to make your home look great. Professionals will likely charge over $1000 for this service, but you can rent a pressure washer for about $80 a day. Further, cleaning the windows and any exterior light fixtures will really help spruce the place up.

Now that your home is clean, some landscaping changes can make a huge difference as well. One great thing to do is add a fresh layer of mulch to your flowerbeds. At about $1.50 per cubic foot, this is a really inexpensive fix as well. Additionally, adding small gardens or window boxes will make the landscaping even better. Remember that when choosing flowers, the more color the better. If you want your house to draw people in, bright colors are a nice way to do that.

One area of landscaping to particularly focus on is your mailbox. Adding some small plants or ivy around and on the box will create a beautiful connection between the street and your home. It is also very effective if you have a longer driveway and want to give a nice display even though your home is not easily viewed from the street. You should be careful to not hinder your mail delivery, as postal workers can withhold mail if the box is not easily accessible.

In addition, your front door is an awesome place to add curb appeal to your house. Repainting your door a brighter color will undoubtedly make your home look more inviting and add character. Lastly, adding a flag or some other décor to your main entrance will certainly make your home look more attractive.

Overall, adding a little character and curb appeal to the exterior of your home does not have to be a big project, or even expensive. Some subtle changes can go a long way to make sure your home is the envy of the neighborhood.

FNMA Enables Norcom Mortgage To Close More Conventional Loans

Changes in FNMA Guidelines Enables Norcom Mortgage to Close More Conventional Loans 

News Flash
Here’s What’s New …

1.   Unreimbursed Business Expenses. Buyers earning <25% of their income from commission, bonus or overtime no longer have to account for a reduction in income due to unreimbursed employee expenses. That means tradesmen in particular may use their total gross income to qualify for a mortgage and not be penalized for taking advantage of legitimate business deductions.

2.   Move Up Buyers. Buyers moving up to a bigger home and converting their current residence to investment property no longer need a minimum 30% equity position in the vacated property in order to use the rental income from the vacated property for debt service on the new home. All rental income from the former residence can now be used immediately.

3.   Cash Reserves.   Buyers using stocks, bonds, mutual funds and retirement accounts now can use 100% of their vested balances toward the asset reserve requirement. If those balances are >20% of the funds needed for the down payment and closing costs, buyers no longer need to show proof of liquidation for those funds. Less paperwork means faster closings.

Contact Me Today to Learn More! At Norcom, We Make Homes Happen!

Watertown CT Homes For Sale – Sugar Mountain Farm

sugar farm 4
Sugar Mountain Farm
is family farm with acres of fenced pasture ideal for horses or cattle. House was built in 2002 in the classic Greek revival/colonial style.

Includes Revenue producing cottage and 19th century barn with a rented studio.

$100,000 credit given to buyer at closing to complete a 3rd bedroom or an in-law/nanny space downstairs with it’s own entrance or, to add a third bedroom onto existing house. Septic is designed for a 3 bedroom house.sugar farm 2

This is in a 490 (Farm and Forest) tax category.

http://westburyrealtyct.com/homes-for-sale-details/2579-Litchfield-Rd-Watertown-CT-06795/W10056698/17/

Call Me @ 860.945.9284 to discuss the right mortgage option for your family and to take advantage of my FREE Mortgage Pre-Approval service. Then call Trish Kropp  at Westbury Realty 203.592.0899 to schedule a showing and be ready to make an offer

Middlebury CT Homes For Sale – 190 White Street

190 White Street
More than meets the eye!
Remodeled Ranch with Circular Driveway. Formal LR. MB Suite. LL Library. Sliders to Large Deck that’s perfect for entertaining.

http://bannonandhebert.idxco.com/idx/10639/details.php?idxID=652&listingID=L10057444

Call Me @ 860.945.9284 to discuss the right mortgage option for your family and to take advantage of my FREE Mortgage Pre-Approval service. Then call Beth Santos to schedule a showing and be ready to make an offer. You won’t be disappointed.

Watertown CT Homes For Sale -479 Mt. Fair Drive

479 Mt Fair Dr
Move right in to this 3 BR Colonial in sought after Mt. Fair Farm subdivision and let’s be neighbors.

I live down the street and around the corner from this great home and would be happy to welcome you to the neighborhood.

http://www.realtor.com/realestateandhomes-detail/479-Mount-Fair-Dr_Watertown_CT_06795_M34037-76065

Call Me at 860.945.9284 to discuss your mortgage options and to take advantage of my FREE Mortgage Pre-Approval service. Then call my friend Sherry Cosmos at Westview Properties to schedule a showing and be ready to make an offer.

Should I Renovate My Current Home or Move To a New One?

There comes a time in many families lives when they realize their First Home no longer fits their needs. Maybe more space is required for a growing family or a pay raise allows you to upgrade to something a little nicer. Before deciding whether to renovate your current home or move into a new one, there are a lot of things to consider.

First, you have to think about finances and your future plans. What is your current home worth?RENOVATION What would your new home budget be and would it provide you with a significant improvement in the current market? What is you dream home? Could renovations even make this possible within your budget? These are all things to consider very seriously when making your decision.

After you ponder these things and determine that both options are possibilities, there are some more specific pros and cons to each choice.

MOVING
Pros:
♦   Fresh Start – Moving allows you to start fresh with a new house in a different location. Whether you go across the street or across the country, it is a very exciting change.
♦   Taxes – In some cases, moving can qualify you for certain tax breaks and your new location may have cheaper taxes. Keep in mind, however, it may be more expensive as well. Be sure to ask your realtor about all of this when looking.
♦   Getting A Mortgage – A new home can allow you to go into the mortgage process with more experience and maybe more money than you had before.
Cons:
♦   Moving – Moving is a brutal process. With packing and shipping and unpacking, it is an extremely stressful process that many people would like to avoid if possible.
♦   Cost – There are a lot of fees associated with moving. Aside from house price, paying for movers and realtor fees alone can seem overwhelming. These are the major two, but other costs can sneak up on you as well.

RENOVATING
Pros:
♦   Your Design – When looking at a new home, you often have to accept that there will be one or two features in every house that you are not in love with. When renovating, you can make sure everything is designed and carried out to your exact specifications.home renovation
♦   Keep Your House – Renovating allows you to have an updated version of the house you originally fell in love with. This allows you to keep your community connections and be in the same neighborhood.
Cons:
♦   Unpredictable Expenses – Often times when doing renovations, issues will be found under the surface that can cost extra time and money. This can force you to exceed your budget or have to cut out some of the changes you would have liked to make.
♦   Huge Mess – While your renovations are taking place, your home will be a mess and in some stages, may be unlivable. If you can stay, it will be loud and stressful. If you have to leave, hotels and other expenses add up quickly.

While these tips can help you decide whether to renovate or move, sometimes there is a third option, both. If you have an ideal home in mind that can’t be created out of your current house, it can be hard to find it on the market as well. Buying a house that has the space you need and many good characteristics, but could use work, can be a great option. Houses that require some work can be bought cheaply and renovated into the home of your dreams. Products like the Norcom Dream Home LoanTM even make it possible to finance your new mortgage and renovations together, all in one loan.

Whether deciding to move, remodel, or both, it is hard to go wrong. The most important thing is to make sure the decision is well researched and that the entire family is on board. Accomplish that, and you will be sure to make the right choice.