Kathy Foran - REALTY EXECUTIVES Boston West

Posted by Kathy Foran on 4/25/2019

This Beautiful property has been lovingly updated & owned by the same family for 70 years & is now available for the 1st time! Beautiful blend of old & new in this lovely 3 bdrm Colonial Farmhouse w/huge 2 story 36 x 36 detached Barn on Acre+ lot in Desirable Grove Street area! Beautiful neutral decor throughout, freshly painted interior & lovely refinished wood floors throughout! Bright updated kit w/recessed lights, brand new stainless steel appliances & brand new granite counters opens to family rm w/lg picture window! Huge open dining area & living rm w/lg picture window! Lg 1st fl master bdrm! 2 additional bdrms on 2nd fl, one w/walk in closet! Lg updated full bath w/tile fl & access to 16 x 12 walk in storage area! Gas heat! 100 amp electric! More updates include, vinyl siding & windows (2016), Architectural roof stripped (2013), driveway seal coated (2019), water heater (2013) & more! Lovely paver patio overlooking sweeping views of gorgeous acre + lot w/distant sunset views!!

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Posted by Kathy Foran on 4/24/2019

Desirable Pheasant Hill neighborhood! Move right into this bright 3 bedroom, 2.5 bath, stone front Raised Ranch w/2 car garage on gorgeous private level lot! Bright fireplaced living rm w/hardwood floor & newer bay window! Formal dining room w/hardwood floor & newer picture window! Updated granite kitchen w/stainless steel appliances, under cabinet lighting, tile floor and door to maintenance free deck overlooking private level backyard! Master bedroom w/full bath & hardwood floor under carpet, 2 additional large bedrooms w/hardwood floors under carpet! Lower level has family rm w/2nd fireplace, laundry rm, updated half bath w/tile floor, office w/newer slider to patio and loads of storage! Security system w/2 keypads, Gas heat! Central Air condenser replaced in 2008, mostly newer windows & more! Beautiful professional landscaped yard! Wonderful convenient location, close to all major routes, schools and shopping!

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Posted by Kathy Foran on 4/21/2019

There are several ways to think about renting versus buying. Conventional wisdom might say that buying, and therefore owning, a home is always better. However, your situation may be different. Before you jump in the buying pool, consider how the costs might stack up for you.

How to think about housing

Say that you are moving to a new city and cannot decide if you should rent or buy. Think about this scenario:

If a home is on the market for rent for $1500, or $18000 per year and that fits your monthly budget, but an identical house in the same neighborhood is for sale for $400,000. Do you rent or do you buy?

  • If you buy a house, you will make a down payment. For ease of calculation, you put down $100,000.
  • Also, you must take out a mortgage for the remaining $300,000 for thirty years fixed.
  • For simplicity, assume you get your mortgage for six percent.
  • Every month you pay your mortgage bill of about $1800, and it includes both interest and principal. Using an amortization calculator, you will see that for the first year about $1500 per month goes toward interest and roughly $300 goes to pay down the mortgage. While these change year over year where the amount toward interest goes down and the amount toward principal goes up, it stays around the $1500 interest to $300 principal for the first several years, so it works for our comparison.

In our comparison, during the first year, you will pay $18,000 for rent, and you will also pay $18,000 in mortgage payments. Now is when the calculations get trickier.Potentially, you will have savings on your income taxes for the interest paid. The way that works is that you subtract the amount of the interest paid from your entire gross income. After all your other deductions, you may end up with a few thousand less in taxes due. So, for this year that might be (hypothetically) $3000. That means your annual home cost is now down to $15,000. However, you also had to pay property taxes. To be conservative, calculate that at 1% or $4000. That puts you at $19,000. You also had to pay homeowners insurance. A conservative number for that is about $200 per month or $2400 per year. Your costs now equal $21,400.

One more calculation to consider is that the $100,00 you put in as a down payment you would still have as an investment if you rented. If you just kept it in a savings account with a 2% return, you would have an annual income of $2000.

So, for this year, as a renter, your effective outgo would be $16,000 compared to $21,400 for you as an owner. These numbers do not account for any maintenance, repair, or upkeep expenditures you have as an owner.

In this scenario, dollar for dollar, owning might not be your best choice. However, dollars are not the only reason to buy. Talk to your real estate professional about the intangibles of home ownership, before you decide.

Posted by Kathy Foran on 4/14/2019

Moving can be fun, stressful, or both. If you and your family are moving soon, your mind might be racing with all of the preparations you need to make before the big day.

The best course of action is to start organizing and planning now so that you can rest easy the night before your move knowing that everything is accounted for.

In this article, we’ll show you how to do just that. We’ll talk about how to get the whole family involved in moving day, what to do with pets, and how to ensure the smoothest move possible so your family can look back on their first day in their new home with fond memories.

Getting organized

There are two key resources that you’ll need to make and refer back to as you prepare for moving day. You’ll need a calendar and a well-organised to-do list.

If you’re prone to depending on your smartphone, then it could be a good idea to add these items to your existing calendars and to-do list apps and sync them with your spouse and children. Most apps have this capability, making it easy to all stay on the same page.

Alternatively, you can use a physical calendar that it hung up in a highly visible area, such as on the refrigerator. Keep your to-do list next to it so you can cross off tasks as they’re accomplished.

On the calendar will be dates like calling your moving company for an appointment, closing on your new home, inspections, and confirming appointments with the movers and real estate agents. You’ll also want to pick a day close to your move to call and set up an appointment for utilities to be installed at your new home.

Getting the family involved

Every team needs a leader. If you’re leading your family through the moving process, it’s your responsibility to keep them in the loop. There may seem like an overwhelming number of tasks to achieve, but your family is there to help. Pick days to have your kids help you make boxes and pack the non-necessities.

You can make moving fun by “camping” inside your home for the last few nights. Since most of your belongings will be in boxes, it’s a fun excuse to set up a tent in the living room and take out the flashlights.

During the last day in your old house, make sure everyone has a survival kit filled with the items they’ll need when arriving at the new house. This includes toothbrushes, medication, phones and chargers, and other essentials.

Moving with pets

Moving can be even scarier for our pets than it is for us. There’s no way to explain to them what’s going on, and they’ll be looking to you for cues that everything is okay.

If you have a friend or relative who can take your pet to their home during the move it will make the moving process much easier--keeping track of a pet while you’re trying to carry boxes is no easy feat.

To ease your pet into their new home, take them to visit before the move if possible. Put some of their favorite toys or their bed and blanket in the new home so they’ll have some comforts for their first impression.

If you follow these tips you’ll be on your way to a fun, and mostly stress-free move into your new home with your family.

Tags: moving tips   pets   moving day   family  
Categories: Uncategorized  

Posted by Kathy Foran on 4/11/2019

Bright & updated 3 brm, 2.5 bth Split level w/ 2 car att gar w/spectacular water views of Brackett Reservoir! Lovely open floor plan w/living rm w/recessed lts, hardwood fl & wall of windows w/gorgeous water views! Formal dining rm w/hardwood fl & slider to lovely sun rm also w/amazing water views! Beautiful updated kit w/Quartz counters, cabinets w/pullouts, stainless steel appliances, recessed lts, picture window, tiled fl & tiled backsplash! Master Brm w/hardwood fl & full updated bth! 2 additional bedrms w/hardwood flrs & lg closets! Wonderful Owens Corning lower level has family rm w/brand new carpet, recessed lts & gas fireplace insert (2015)! Additional office/den w/brand new carpet & recessed lts! Laundry rm/half bath rm & sink! Gas heat & Central air installed in 2011, Rinnai tankless hot water in 2010, Kitchen, baths & lower level remodeled in 2010, garage drs & openers in 2007, 7 replacement windows in 2014 & more! Easy 5 minute commute to commuter rail & mins to everything!

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