Defining Your Ideal Home

The property you buy will be much more than a house; it will be your home. So before you go out and view houses, understand what you are looking for. Try answering the following questions to help you clarify the things that are most important to you in your ideal home and neighborhood.

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Defining Your Ideal Home

1. For some people, “home” means a hub of social activity; for others it might be a place to retreat from the pressures of daily life. What does “home” mean to you?

2. Who will be living in your household? Will you often have other family member or friends visiting for more than a few days at a time? If so, you may want to consider an extra bedroom, or office room than can be used as an extra place to sleep.

3. If you will be working outside your home, what would you consider a comfortable commute (in time or distance)? Will you be working at home? Is public transportation a necessity?

4. What are the most important activities for the members of your household? For example: hobbies, recreation, school, entertaining, religious or cultural activities.

5. What are one or more features you liked most about the home(s) you have lived in previously? This might include: style floorplan, yard, view, and neighborhood. Will these features need to be included in  your new home, or are you willing the add them later on?

6. What are one or more features you disliked about the home(s) or neighborhood where you have previously lived?

7. What are the most important “must have” features of your ideal home and neighborhood? Why are they important?

 

Once you have answered these questions, you are one step closer to purchasing your next home! Be sure to contact your local Homesale Realty Agent to continue the homefinding process.

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

 

Defining Your Ideal Home

Paying Off Your Mortgage

If you are looking to pay off your mortgage earlier than you initially planned, there are multiple ways to get this done. Before you begin, check with your bank to make sure there are no hidden fees or charges for paying early.

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Refinance your Mortgage

A good way to put a dent into paying off a 30-year mortgage is to refinance it into a 20-or-15-year loan. 15-year mortgages are the most popular, as there is considerably less mortgage interest in the long run. Be sure before making the change that you are financially able to do so, as changing to a 15-year loan commits you to higher monthly payments. If you are unsure about your financial ability to change to a 15-year, try staying on your 30-year loan and make payments as though you are on the 15-year one. This decreases the amount of time on your mortgage without adding the risk of a late payment.

 

Add a Little Extra

One of the best ways to pay your mortgage off early is to pay a little bit more where you can afford it. You can either do this by adding a set amount every month, or even just by rounding up every month. Even adding an extra 6 dollars to your monthly payments on a 200,000 dollar 30-year loan will save you 4 payments in the end. Make sure before doing this that you check your contract for any prepayment penalties.

 

Unexpected Money

Adding a little bit extra every month is great, but another option to keep in mind is adding any unexpected or extra cash flow to your payment. This can include anything from tax refunds or work bonuses to inheritances and investment earnings. This way it doesn’t feel like you are paying as much as long as you do not rely on that money.

 

Bi-weekly Payments

In Australia, people make bi-weekly half-payments on their mortgages. Why does this make any difference? Well, there are 12 months in a year, so most people will be paying 12 months worth of their loan. Someone who is paying half of their loan every other week, however, will be paying 13 months of their mortgage since there are 52 weeks in a year. This allows you to pay more of your loan off without feeling like you are paying more than you were before.

 

Other Options

These are great ways to cut down on the amount of time you have a mortgage, but there are many other ways as well. These include doubling up on your monthly payment 4 times a year and a money merge account. Money merge accounts should only be used by people who really understand cash management. If using any of the above options, it’s a good idea to get statements from your bank showing how much is still owed and also to make sure that any extra payments are going towards your principal and not being saved until the following year.

 

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

Paying Off Your Mortgage

Summer vacation? Is your home ready?

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As you get ready to travel to you favorite summer vacation spot, take a few minutes to run through this checklist and prep your home before you leave; it could make your return just a little bit sweeter!

Light it Up-
The kitchen (usually in the rear of the home) is a favorite break-in spot.  Move a lamp into the kitchen and arm it with a timer that you can set to come on at random times.  Also illuminate the main exterior entrances of your home with outdoor timers as well.

Don’t Socially Announce –
Don’t post pictures on Facebook until you are home and don’t change voicemail greetings to say that you are out of town.

Keep Cool –
Don’t turn off your homes AC, mold and mildew can grow in a few days with warm temps.  Instead set the thermostat to 82 Fahrenheit and your home will stay cool enough to prevent both.

Unplug –
A power surge can damage small appliances or cause fires.  Unplug all items that are not plugged into a surge protector, such as a toaster and coffeemaker; and turn all surge protectors to off.

Don’t Forget to Flush –
Flush the toilets and leave the lid up (just this once) so you won’t come home to icky, stagnant water.

Tidy the Kitchen –
Run the dishwasher to clean all dirty dishes.  Remove them and leave the door open.  This will allow the interior to dry completely and it won’t smell musty when you return.

Trim –
Prune tree branches that extend over your house, especially if they are dying or are dead.  Doing this will help prevent expensive damage if a storm hits while you are away.

Stop your Mail –
Have your mail held while you are gone and suspend your newspaper deliveries. Or you could ask a trust worthy neighbor/friend to bring your mail inside while you are away.

Lock All Entryways –
Most burglars will use force to gain entry, but they often look first for open windows and doors.  Double check that all are locked (even on the 2nd story), replace any broken window panes, and bring in any hidden keys.

Set the Alarm –
Notify your security company that you will be away.  Give a relative or friend the security code, the company name, your itinerary, and your contact numbers just in case.  Also test your smoke alarms before you depart to make sure they work.

Get help –
Ask a trusted neighbor to check on your home every other day if possible and to bring in any unexpected deliveries like a phone book or circulars.  Make sure you give them a key.

Taking time to prepare your home can help give you greater peace of mind while you travel.

Go on, relax and have fun!

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

Summer vacation? Is your home ready?

Happy Father’s Day!

Homesale Realty would like to say Happy Father’s Day to all of the fathers!
Have a wonderful day!

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AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

Happy Father’s Day!

2015 Best Small Towns

Recently, Livability released their yearly small town rankings –
The 2015 Top Best Small Towns

The list is produced to shine light on cities and towns that seem to go unnoticed in comparison to the big metropolises. To create the list, Livability examined more than 40 points each for more than 12,000 towns with populations between 1,000 and 20,000.  These scores were weighted based on an exclusive survey conducted for Livability by the leading global market research firm, Ipsos Public Affairs. These cities and towns allow for the tight-knit communities key to small-town living coupled with the amenities you’d expect in larger cities.

Of the 100 Towns, three of our local service areas made the top 50!

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Carlisle, Pennsylvania
Ranking 16th place on the list. Population: 18,816
Located in Cumberland County, PA.

Nestled in the highly productive Cumberland Valley agricultural region, Carlisle provides a quaint setting for families. While school age children attend the Carlisle Area School District, higher education classes can be taken at Dickinson College, U.S. Army War College and the Penn State Dickinson School of Law. The Carlisle Regional Medical Center offers excellent care, and many residents enjoy the borough’s 18 public parks. Green spaces, restaurants and cultural attractions provide many things to do in Carlisle.

Carlisle Amenities
As redevelopment in one part of the town continues, Carlisle retains its enviable status as one of the country’s loveliest, most livable small towns, graced with a historic downtown full of 18th-century buildings and the stories that go with them. Among its other amenities are great shopping and a vibrant cultural and social scene enriched by international residents who come to the Army War College, the Central Pennsylvania Youth Ballet or Dickinson College, and Penn State School of Law, all headquartered here.

Thousands of visitors also flock here for the famous Carlisle collector car events, historic sightseeing and numerous outdoor recreational attractions.

A highly rated public school system and the availability of “a good healthy mix of housing, from large homes to neighborhoods with row houses, condominium and apartments” make Carlisle a very livable community.

 

Bel Air, Maryland
Ranking 42. Population: 10,228
Located in Harford County, MD

Founded in 1780, Bel Air has 25 homes and buildings from the 18th and 19th centuries, including an entire Bel Air Courthouse Historic District and Harford Furnace Historic District. The town today has amenities like Harford Mall as well as five neighborhood parks, and residents are proud of a thriving arts community with theater, art galleries, concerts and festivals. A 182-bed Upper Chesapeake Medical Center tends to the area’s health needs.

 

Hershey, Pennsylvania
Ranked 46th. Population: 13,876
Located in Dauphin County, PA.

Often referred to as “The Sweetest Place on Earth” or “Chocolatetown USA,” Hershey, Pa., offers a range of cultural and recreational amenities that make life sweet for residents. Of course, it’s home to the Hershey Chocolate Factory as well as roads like Cocoa Avenue and streetlights shaped like Hershey Kisses. Affordable housing options, Amtrak rail service and a Tanger Outlets shopping complex sweeten the scene. Schools in Hershey provide strong education options that include Derry Township School District and Penn State College of Medicine.

 

Content belongs to Livability.com 

“Top 100 Best Small Towns.” Top 100 Best Small Towns. Journal Communications, June 2015. Web. 15 June 2015. <http://livability.com/best-places/top-100-best-small-towns/2015&gt;.

 

2015 Best Small Towns

Neighborhood Spotlight – Westminster, MD

Thinking about moving? Carroll County, Maryland has a diverse selection of neighborhoods and locations to choose from. Located at the seat of Carroll County is Westminster. Westminster, Maryland, provides a balanced quality of life and well-established neighborhoods.

Westminster real estate is a popular choice among home buyers due to the town’s active community and year round family-fun events. Every year, the city hosts the Carroll County Fair, the Maryland Wine Festival, Common Ground on the Hill, and art festivals. Plus, Westminster is only a short drive to Washington D.C., Baltimore City and Philadelphia.

SERPENT RIDGE VINEYARD    winebottles

Visit Westminster’s first vineyard winery. The winery specializes in handmade wine from grapes grown in the Serpent Ridge Vineyard, select Maryland vineyards and other carefully chosen sites. Serpent Ridge consists of a little over 2 acres of grapes, which encourages a very hands-on approach to wine making. The bottles are sealed with a Zork, an innovative approach to bottle closures.

TAKE YOUR DOG TO THE PARK

If you own a dog, or are an avid dog lover, be sure to visit the Bennett Cerf Dog Park. The dog park is a large one acre fenced in area where dogs are permitted to be taken off-leash to exercise and socialize with other dogs in a safe environment. Adjacent to the dog park is a walking trail, baseball field and picnic pavilions.

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HAVE A SWEET TOOTH?   starry

Make sure you check out Starry Night Bakery. This creative cafe and bakery not only makes delicious baked goods but also hosts open mic night for local artists. Starry Night Bakery was featured on the Food Networks hit show, Cupcake Wars. 

If you are considering moving, why not consider moving to Westminster? Contact your local Homesale Agent to help locate your next home in Westminster, Maryland.

AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

Neighborhood Spotlight – Westminster, MD

5 Tips to Refresh Your Deck

June IOV Ecard

 

Berkshire Hathaway HomeServices Homesale Realty wants to give you the opportunity to complete your dream renovation, CLICK HERE to find out more information on the BHHS $50,000 HGTV Fixer Upper Sweepstakes. You have from now until June 15th to enter.

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AskHomesale.com provides real estate advice and information for home buyers, home sellers, and homeowners alike. Askhomesale.com is part of the Homesale Realty Family. The Homesale Family of Companies is the leading real estate company serving the Baltimore, Maryland, South Central and Southeastern PA real estate markets.  Homesale Realty has more than 27 offices with over 1,200 REALTORS®. Homesale Realty’s footprint includes Maryland real estate offices in Baltimore City, Federal Hill, Fells Point, Westminster, and Timonium. Pennsylvania real estate offices include YorkLancasterWyomissingChambersburgGettysburgHarrisburg, and Schuylkill Haven.

Tips for Home Buyers  |  Tips for Home Sellers | Tips for Homeowners

5 Tips to Refresh Your Deck