N.B.Taylor & Co., Inc. Realtors



Posted by N.B.Taylor & Co., Inc. Realtors on 8/13/2018

There is a lot that goes into the buying and selling of a home Not only are there many steps to take but it can feel like there is a report for everything. Itís easy to forget what they are or why they are necessary.

Three processes that seem similar to home buyers are the home inspection, comparative market analysis, and the appraisal.

Hereís what each them is and how they are different:

First, letís look at the home inspection.

The home inspection

What it is:

This is probably the one you are most familiar with and have heard the most about. During a home inspection, an inspector is paid to come and test all of the appliances, outlets, plumbing as well as the heating and cooling system.

What this information is for:  

This information is for you the buyer, It is to help make a well-informed decision as to whether the investment you are making is worth the current state of the home. Whether there be repairs that will have to be made or replacements that will need to happen down the line.

The custom market analysis or CMA

What it is:

A sales report your real estate compiles using data they have exclusive access to. This data is compiled into a database used solely by other real estate agents.

What this information is for:

A CMA is used by you and your agent to determine if an asking/selling price is fair. Youíll be able to compare the pricing to other listings and conclude whether it is higher, lower or on par with other offers. This is incredibly useful no matter which end of the spectrum you plan on selling or buying.

An appraisal

What it is: A licensed appraiser comes to visit the home and inspect it solely for value. This is determined by the location, state of and surroundings of the home. Your potential home will be compared to other similar properties in the area to come to a conclusive value.

What this information is for:

The final approval of your mortgage terms by your lender. If the determined value is much lower than your offering price you can be declined a mortgage.

As you can see, each of these processes has varying impact on the final purchase of your home. The information obtained from a home inspection is up to solely your discretion. That gathered from the CMA helps you to determine where the asking price of a home is sitting in comparison to others on the market. And in turn, whether youíve got a really great deal on your hands or an inflated price. And lastly, perhaps the most important is the appraisal. The information gathered from this process is what your lender uses to determined whether or not to lend you the requested amount.




Tags: home inspection   appraisal   cma  
Categories: Uncategorized  


Posted by N.B.Taylor & Co., Inc. Realtors on 8/6/2018

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: budgeting   saving money  
Categories: Uncategorized  


Posted by N.B.Taylor & Co., Inc. Realtors on 7/30/2018

According to recent data, allergies affect up to 30% of adults and 40% of children in the United States. Over-the-counter medications can provide some relief, but allergies persist and are a source of discomfort and annoyance for many of us.

One place we can all agree should be a place of comfort and relaxation is our homes. However, allergies are at their fiercest in most homes from dust, pets, pollen, or even mold.

In todayís post, weíre going to talk about some common household allergens and how to protect your home against them.

Safeguard your home against mold

Mold is gross at its best and dangerous at its worst. Caused by excess moisture, the most important thing you can do to prevent mold in your home is to identify areas that are at risk.

Bathrooms, basements, and around faucets are all prone to water damage and mold. Usually, the best intervention to take is to provide proper ventilation. A well-ventilated room dries out quicker and prevents mold from growing in the first place.

Many surfaces in your home, such as wood, drywall, paper, and cardboard are all susceptible to mold growth. Use a mold-inhibiting paint to prevent the mold from growing in the first place.

Prevent indoor pollen

Protecting your home from pollen is trickier than you might think. Most of us like to open doors and windows in the summer time to let fresh air in. The problem? We inadvertently let the pollen in as well.

There are a number of ways to decrease pollen inside of your home. Using HEPA complaint filters in your home and vacuum cleaner can help.

Vacuuming often and emptying the vacuum outside can also have an impact on reducing pollen indoors.

Defend against dust mites

Arguably the nastiest item on the list, dust mites feed on dead skin and love warm temperatures and moderate humidity. This makes the interior of your home the perfect place for dust mites to thrive.

Frequently washing your bedding, dusting your home, and vacuuming with a HEPA certified filter are among the best things you can do to help reduce dust mites in the home.

Protecting against pet allergies

The most important thing you can do to prevent pet allergies is to make sure you arenít allergic to a pet before bringing them into your home. However, if an allergy does arise, it can often be managed with the use of air and vacuum filters and a strict cleaning regimen.

Some people who suffer mild pet allergies are able to cope with them by simply making their bedroom a no-pet zone and keeping up with cleaning.

Finally, keep in mind that outdoor pets can often bring in pollen from outside. So, when letting your pets in the home in the spring and summer time, try to give them a quick brush down.




Tags: allergies   owning a home  
Categories: Uncategorized  


Posted by N.B.Taylor & Co., Inc. Realtors on 7/26/2018


25 Woodrow St, Hudson, MA 01749

Single-Family

$799,900
Price

6
Rooms
3
Beds
2/2
Full/Half Baths
Live, Work, Play ....Nearly 5 acres of very private grounds This special property has it all Ö.Custom Home featuring 3 bedrooms 2 full baths & 2 half baths with its own 2 car garage. Large Master Bedroom w/full bath and walk-in closet complete with balcony overlooking gorgeous lawn & plantings. Livingroom with Pellet stove, brick hearth, and slate floor. Kitchen has Granite & big pantry closet Enjoy summer BBQs on the Circular Patio & in the Brady Built Sunroom. Off to the right is the 30'X60' attached double insulated MONSTER GARAGE ( new boiler ready to be installed for radiant heat in floor ) 14 ft Garage door... 10 foot garage door & 6 garage spaces + mezzanine ~parking for 20+ vehicles on pavement Walk to Elementary school & vibrant Downtown Hudson with many restaurants, shops & rail trail bike/walking path. 30'x60' pad for future building or RV parking. Separate "Storage and Staging area" with 5 - 8'x30' containers and loading dock so many possibilities!
Open House
Sunday
July 29 at 11:00 AM to 1:00 PM
Great Place work live and play!
Cannot make the Open Houses?
Location: 25 Woodrow St, Hudson, MA 01749    Get Directions






Categories: Open House  


Posted by N.B.Taylor & Co., Inc. Realtors on 7/26/2018


25 Woodrow St, Hudson, MA 01749

Commercial

$799,900
Price

2
Buildings
Industrial
Type of Comm.
208,975.00
Lot Size
Why Pay Rent,Storage Fees,Parking or Warehouse Leases w/ triple net ? This special property has it all 30'X60' attached double insulated MONSTER GARAGE w/14 ft Garage door, 10-foot garage door & 6 garage spaces ~parking for 20+ vehicles on pavement ....nearly 5 acres of very private grounds to Live, Work, Play. New boiler ready to be installed for radiant heat in floor of Steel Building. 30x60 pad for future building or RV parking. Separate "Storage and Staging area" with 5- 8x30 foot containers and loading dock ..Plus++ The 3 bedroom 2 full 2 half bath Custom Home with its own 2 car . Large Master Bedroom w/full bath and walk-in closet complete with balcony overlooking gorgeous lawn & plantings. Livingroom with Pellet stove, brick hearth and slate floor. Kitchen has Granite Counters & big pantry closet Enjoy summer BBQs on the Circular Patio & Brady Built Sunroom . Walk to Elementary school & vibrant Downtown Hudson with many restaurants, shops & rail trail bike/walking path
Open House
Sunday
July 29 at 11:00 AM to 1:00 PM
Great Place to Live work and play !
Cannot make the Open Houses?
Location: 25 Woodrow St, Hudson, MA 01749    Get Directions






Categories: Open House