James Kalogerpoulos-Worcester, MA Real Estate, Shrewsbury, MA Real Estate, Westford, MA Real Estate


These days keeping track of your money can be a hassle. Between all the different ways you can spend your money it’s easy to lose track of your spending. Luckily there are some great apps for money management. Below are a few favorites— all rated with 3.5 stars and up. LearnVest: LearnVest is a money management platform, but it’s also much more. You can link up your various accounts to keep track of your spending, savings and goals (that you set). But the best part about this app are the articles you receive via email from them. The articles that they send are full of helpful information related to early retirement, saving for your wedding, how to pay down debt, rebuilding bad credit, smart saving, and so much more. Every article is worth the read. This app is available on iOS. Mint: Mint is a well-known money management platform. You can hook up your bank accounts, credit cards, 401k and loans and set up budgets. The app utilizes graphs to show you how you spend your money and provides you with bill reminders. It will even give you your net worth. The only downfall to the app is that it has a difficult time connecting to small banks’ online banking systems. This app is available on iOS and Google Play. Daily Budget: This is a do-it-yourself app. If you are one that is weary about putting your personal banking information onto your phone then this is the money management app for you. You plug in your income, reoccurring expenses and it gives you a daily budget. You can add in additional income and expenses as they occur. But, you will have to pay for the full version if you want to utilize all income and expense categories. This app is available on iOS. Comparable apps are available on Google Play. Prosper Daily: This app’s main emphasis is on protecting your accounts. You can link up your bank accounts and credit cards and approve or deny charges as they occur. But, it is also good for a high level review of your accounts. You are able to view your balances on your credit cards and checking account all in one place. Another pro of this app is that you are able to categorize your charges making it easy to keep track of what you are spending your money on. One of the great new features now available is the ability to view your credit score. And beyond that it provides insight into why your score is the way it is and how to improve it. This app is available on iOS and Google Play. These apps will aid you in getting in front of your spending and back in control of where your money is going. Be sure to take full advantage of the offerings that each app has, as it will only benefit you in the long run.

Before you even set out to buy a home, you may think that you need to look at a magic number of homes in order to find the house that’s right for you. There’s always a fear among buyers that they didn’t look at enough homes before settling on one. The number of homes that you look at is up to you. There is no magic number that will dictate finding the perfect home. The most important thing is to trust your own intuition. In A seller’s market, you also may not have much choice. When inventory is low, if you find a home you love, you’ll need to move to make an offer on it! 


The Average Buyer


People looking at condos take between 1 and 3 months to find the property that’s right for them. Those looking for single family homes tend to take a bit longer- between 3 and 6 months to find a home. Buying a traditional house seems to spark more questions and more uncertainty, which leads buyers to take their time to find what they’re looking for.


Know Where You Want To Live


Before you start your home search, you should have a good idea of where you want to live. Have a list of cities, towns, and neighborhoods narrowed down to make your search a bit easier from the start. Take a ride around potential neighborhoods and get a feel for them. See the stores, restaurants, and nearby parks to really understand the area. 


Match Your Lifestyles


Where you choose to live has a lot to do with your lifestyle. Think of the following:


  • Where your friends live
  • Where your family lives
  • Where you work
  • What you do for fun


Whatever you love and whatever you love to do should be a factor in your home search. If you love the beach, you don’t want to be a three hour drive away if you can help it. You also don’t want a 2-hour commute to work. Find the balance to make your life happier in the new space you choose.      


Make A List


It sounds simple, but making a list of what you must have, what you’d like, and what would be a bonus can really help you in your home search. This holds true whether you look at 2 homes or 50 homes. The number of homes that you look at isn’t as important as your needs and wants. Buying a home is a huge investment and you need to be happy with your decision. While it’s not completely advisable to buy the first house that you see, if you have a good idea of what you want in a tough market, it’s best to put an offer in.



100 Tobin Rd, Leicester, MA 01611

Land

$975,000
Price

88.00
Acres
Residential
Land Type
This home was completely updated in 2000. Included in the sale of this home is a two family home which is in need of remodeling , also 88 acres of developable land. This is a great opportunity for any and all investors/builders or homeowners looking for lots of land. There is water/sewer, and electric available at the street. Potential here for senior living facility, multiple house lots, horse farm, etc... Complete privacy and yet only 5 minutes to Worcester shops, hospitals, college's and restaurant's, and highways. Two entrances onto the property.
Open House
No scheduled Open Houses




At the individual homeowner level, real estate success incorporates more than your house. It includes your parking and landscaping. You may have moved to a home that is already ripe with lush trees, bushes, hedges and other foliage. This greenery beautifies your property, potentially increasing its overall value.

Beautify your property without putting your home at risk

Bushes, hedges and trees add vibrant color to front and back lawns. They serve as perfect shade, lowering indoor temperatures which, in turn, may lower utility usage and costs. Even with small lawns, there's the ability to plant bushes, hedges and trees in themed and artful designs. This single act is an excellent way to make your home standout from other neighborhood properties.

Greenery can also put your property at risk, and not just during harsh weather storms, times when trees and other foliage may fall on autos and houses. Dense, wide and tall greenery can also serve as hiding places for would-be thieves. Home invaders can hide behind tall bushes and trees, yet see inside your home.

Closer, intrusive looks at your home

You may not see them. But, they could easily spot you enough times to know which rooms of your house are most likely empty of an adult. That's not all. Video and audio cameras can be placed in bushes, hedges and trees without you being aware that the devices are on your property.

It's with audio and video cameras that would be home invaders can spy on your home, whether you are at home or away. They could use tapes from these devices to review and monitor your patterns, including when you leave home for work. They could know when your house is most likely to be empty.

The very nature of lush lawns, bushes and trees allows them to muffle sounds unlike noises that would echo across a cement pavement if someone was walking or running on a wide open porch or front or back walkway. Foliage can also be used as a detector.

For example, long tree limbs can be used by potential home invaders to scrap windows solely to see if pets respond. If pets come running, bark or growl, it could alert someone who is prying on your home as to the location of the animals. It could also alert people thinking about entering your home unlawfully as to the type and size of pet you have.

There's a lot that you can do

The good news is that there are several steps that you can take to protect your home. As an early step, you can trim bushes, hedges and trees. Make sure that bushes are not wide enough for someone to hide behind. They also shouldn't be so tall that someone could duck and hide behind them.

Avoid planting bushes and trees too close to your house. Ensure that bushes and trees don't block your view, preventing you from seeing outside your house. You also don't want trees, hedges and bushes to block your view of nearby roadways.

Consider installing motion detection lights in or near bushes, hedges and trees, especially near greenery that is close to your house. When you move about your house also keep in mind that someone could see inside your home. You can gain added privacy by closing drapes and blinds when you're getting dressed or napping.


You may see homes listed as in a search for a home that are denoted as a “Homepath property.” You may wonder what this means and if you’re even eligible to buy the property. It is a specialized program, so you’ll want to be informed on what it means to use it and what the process is. 


Fannie Mae Programs


What was formerly known as a Homepath property is now known as The Home Ready Mortgage by Fannie Mae. With the Homepath program, people are able to find and purchase homes with a bit more ease and less financial risk. If you’re buying your first home, this could be the perfect way to get it. This program offers a list of foreclosed properties with really good deals on them. Repeat buyers can also find some great deals through this program, so it has something for everyone. It has so many benefits for anyone who is looking to buy a home.     



How To Get A Homepath Property


Fanie Mae does require that you place a bid through a realtor. The program is designed for buyers to better understand the risks with buying foreclosed homes, while giving them a better opportunity to purchase a foreclosed home. Since foreclosed homes are sold as-is, there’s a risk that the home actually has some serious damage that needs to be repaired at a high cost. This is where a realtor comes in, as they can help buyers to understand ho much work a property may need and the exact risks involved.  


Low Down Payment


  Even if a home through the Homepath program requires extensive repairs, it’s not an opportunity that you should should shoot down right away. Unlike traditional mortgages where you’ll typically need 20% down to purchase, Fannie Mae only requires that buyers place as little as 3% down. This means that with the low cost of the available homes and the small down payment required, buyers can save thousands of dollars in total. Of course, this savings can help buyers to make the required repairs to the home. 


Eligibility Requirements


There’s not many stringent requirements to be eligible to buy a Homepath property. Most people actually can be found to be eligible for these purchases. The biggest requirement is that before buyers reach the closing table, they’ll need to take an education course. This allows buyers to get assistance with the closing costs.  


Learn More About Homepath


If you’re looking to buy a home at a low cost, you should definitely talk to your realtor about the Homepath program. They can also explain more about specific eligibility requirements. It’s easy to make use of this program, so start saving right now and search for a Homepath property.




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