Steve Smith | Groton Real Estate, Dunstable Real Estate, Westford Real Estate, Nashua Real Estate


No matter what your age, buying a new home symbolizes the beginning of a new chapter in your life. It's an exciting event, whether you're a first-time home buyer or a retiree looking to downsize. When you stumble upon a house in your price range that has the features and characteristics you've been searching for, it can be a life-changing moment!

Unfortunately, it's at this point that many people cast their good judgment to the wind! Although it's difficult to separate your emotions from the rational part of your brain, it's crucial that you try to make a balanced decision -- one that's based on your budget, your short-term needs, and your long-term goals.

Sometimes buyers can develop "tunnel vision" when they see a house with a white picket fence, a big backyard, or a cozy-looking eat-in kitchen. In some cases, people are irresistibly drawn to a house that reminds them of where they grew up. While all those elements can enhance a home's ambiance and charm, the most satisfying home-buying choices usually come from being able to look at "the big picture."

One vital step in the house-buying process that helps eliminate a lot of the risk is having the property carefully looked over by a certified house inspector. That way, even if your judgement is a little skewed by your emotional attachment to the house's architectural style or its resemblance to the house you grew up in, you can be reasonably sure it is structurally sound and free from any major defects. Although home inspectors can't look behind walls or accurately predict how long an HVAC system will last, they can provide you with valuable insights into the condition of the house, the stability of the foundation, and other aspects of the property. When you know the strengths and weaknesses of a house you're considering buying, you can make an informed decision that will be based, in large part, on a professional, objective opinion.

Other factors worth bringing into your decision might include the commuting distance to your job or business, the amount of privacy the property affords, the overall character of the neighborhood, and the proximity of the property to grocery stores, drug stores, other retail shops, entertainment, recreation, childcare, medical services, family, friends, and other necessities. When choosing a place to call home, you may also want to take note of how quiet (or noisy) the neighborhood is, its access to highways and transportation services, and the reputation and ranking of the local school district.

Additional information about desirable places to live can be gleaned from websites like Livability, U.S. News and World Report, Niche, Money Magazine, and the National Association of Realtors. To get expert guidance that relates to your specific circumstances and wish list, consider working with an experienced real estate agent. They'll help you navigate the market, negotiate on your behalf, and find the home that best suits your needs and lifestyle.


Obtaining a home loan is a must for most homebuyers. However, assessing a wide range of home loan options and making the best-possible decision can be difficult, particularly for a buyer who is evaluating these options for the first time.

Lucky for you, we're here to help you perform a deep analysis of home loan options and make an informed decision.

Now, let's take a look at three tips to help you evaluate different home loan options.

1. Find Out How a Home Loan Works

The home loans that one lender offers may differ from the options provided by another lender. As such, you'll want to learn the ins and outs of each available home loan to guide your decision-making process.

Understanding how a home loan works may make it easy for you to discover your dream house too.

For example, if you get pre-approved for a home loan, you can enter the real estate market with a budget in hand. You then can use this amount to narrow your house search, which may lead to a fast, seamless homebuying experience.

2. Understand All of the Costs

The total amount that you pay each month under the terms of a home loan agreement may vary based on a variety of factors. Fortunately, if you understand all of the costs associated with a home loan, you may be able to find a loan that matches your finances.

Review all of the paperwork associated with a home loan as well. That way, you can find out the length of a home loan agreement and other relevant home loan information and proceed accordingly.

3. Get Expert Home Loan Insights

There is no such thing as "bad" questions about home loans. And if you're uncertain about how to proceed with a home loan, you can always receive expert guidance from a lender.

Oftentimes, lenders employ friendly, knowledgeable home loan specialists who can respond to your concerns and questions. If you meet with these specialists, you can get comprehensive home loan insights that you may struggle to obtain elsewhere.

As you get ready to pursue a home loan, you also may want to consult with a real estate agent. This housing market professional can help you get in touch with the best lenders in your area and secure a home loan in no time at all.

Of course, let's not forget about the assistance that a real estate agent can provide throughout the homebuying journey, either.

A real estate agent will serve as your guide to buying a house. He or she will help you hone your home search, explore top-notch residences in your city or town and find a residence that matches your expectations. Plus, a real estate agent will even negotiate with a seller's agent on your behalf to help you get the best price on your dream house.

Ready to make your homeownership dream come true? Use the aforementioned tips, and you can secure a home loan and take the next step toward purchasing your ideal residence.


If you recently bought a house, congratulations! Now, you just need to pack up your belongings, finalize your home purchase and relocate to your new address. You also may want to set up the following services prior to completing your move:

1. Electric

What good is a new house that lacks electricity? Fortunately, if you contact the electric company in your new home's city or town, you should have no trouble establishing electric services.

Typically, an electric company employs friendly, knowledgeable customer service representatives who will assist clients in any way they can. This means you can call the electric company in your new city or town, speak to a customer service representative and get the help you need to quickly set up electric services.

2. Cable and Internet

In many cities and towns, multiple cable and internet services providers are available. And if you allocate time and resources to review all of the options at your disposal, you may find a quality, affordable company for cable and internet services.

As you evaluate cable and internet services providers in your new city or town, don't forget to ask lots of questions. By doing so, you can find out what types of services are available, as well as the prices associated with these services.

Try to get several quotes too. If you receive multiple quotes, you can decide which cable and internet services provider offers the best value.

3. Water

Learn about how you pay for water in your new city or town prior to moving day – you'll be glad you did. That way, you can contact your new water provider in advance and ensure that you will have water available as soon as you arrive at your new house.

When it comes to completing a home purchase, many challenges can make it tough to achieve the best-possible results. But if you employ a real estate agent, you can receive extensive support at each stage of the property buying journey.

A real estate agent can offer recommendations to help you establish essential services at your new home. He or she may even be able to put you in touch with the best services providers in different cities and towns and help you find the best deals on various services.

Furthermore, a real estate agent is happy to help a homebuyer discover the perfect residence, at the right price. Before you kick off a home search, a real estate agent will learn about you and your homebuying goals. He or she next will help you establish homebuying criteria and hone your house search. Best of all, a real estate agent will set up home showings and keep you up to date about open house events, enabling you to find your ideal residence in no time at all.

Want to remove the guesswork commonly associated with finishing the homebuying journey? Hire a real estate agent, and you can get the support you need to enjoy a fast, seamless and stress-free property buying experience.


If you’re trying to sell your home, there are many things you need to think about. One of the reasons that it’s wise to hire a realtor is that they can handle a lot of the difficult stuff for you. From home showings to phone calls to sealing the deal, your realtor will be with you every step of the way. 


One thing that you can do to help your realtor out is trying to avoid things that will scare off buyers in your home. While some things are out of your control (we’re looking at you radon), you can check and remedy a lot of problems before a buyer even sets foot in your home.


Leaky, Aging Roof


Roofs last around 20-25 years. If it’s been forever since you have paid attention to your roof, you’ll need to take a second look before selling. Your buyer is going to either ask for some kind of rebate or go for a home with a newer roof. Roofs are one of the things that home inspectors often see the most problems with.  



Outdated Gutters


If your gutters are in disrepair, you might want to have them cleaned or replace them altogether. Faulty gutters are often what causes problems with the roof. If rain water or snow melt can’t properly drain from the gutters, more leaks may be found in the home.  


Old Appliances


If your appliances are outdated, consider replacing them. Buyers don’t want to move into a new home only to need to head out to buy a new refrigerator, range, or dryer. Buyers like things to be ready for them, and they’re willing to pay for it. You’ll definitely get a return on your investment when you buy new appliances.    


Outdated Or Neglected HVAC System


It’s important to keep up with regular maintenance when it comes to your heating and cooling system. Keep it clean and keep regular maintenance appointments. These systems are costly to repair and buyers do not want to deal with these issues immediately (or ever if they could avoid them!) Get the HVAC system serviced before you put a for sale sign out front to keep your buyers happy throughout the inspection and sale process.   


High Price


Your realtor will be a big help in assisting you to price your home right. They will perform a CMA (comparative market analysis) in order to help you find the sweet spot for pricing your home. An overpriced listing will make buyers wonder. A property must be priced right in order to get buyers through the door to even look at the home.


Sharing living expenses with your partner or roommates can be a difficult and confusing issue for many.

 Life would be made much easier if there was just one bill to pay on your home that includes everything.

 Recently there have been attempts to bring such a suction into fruition. Many homeowners and renters have turned to apps that help them split expenses, or have signed up for mortgage agreements that cover stray expenses like property tax and private mortgage insurance.

 In this article, we're going to give you a few tips on splitting the bills in your home to make things easier for you, your spouse, and your roommates.

Who pays what?

Many young couples are often left wondering who should pay which bill, especially when you share so many services.>

However, there's a big difference between sharing a Netflix account and sharing a car. One solution is to use the bills that report to credit agencies for whoever needs help building their credit score.

Putting credit cards under the person with the lowest score’s name can help them build credit even if they're simply listed as an “authorized user” which means you can take advantage of good interest rates and build credit at the same time.

Paying the mortgage

It can quickly become tiresome having to write two different checks each month for your mortgage or rent. To solve this problem, you can either alternate payments (you pay a full month’s rent or mortgage one month and your spouse pays the following month), or you can choose to pay bi-weekly, which will help you pay off your mortgage sooner.

The best apps to use

If you live with your spouse, you likely aren’t overly concerned with splitting all of your expenses 50/50. Chances are whoever has the higher income will foot the bill for the larger expenses.

However, if you have roommates there’s a bigger chance you’ll want things to be split evenly between you and the other members of the household. That’s where apps come in handy.

First, sit down with your roommates and go over all expenses. Write down each bill that you share: rent, heat, electricity, cable, internet, gas, insurance, and so on.

Then, decide who is responsible for making the payment on those bills. Even if you decide to split them all evenly, one person will have to be responsible for sending out the check each month.

Once you’ve determined which bills you have and who is going to pay them, it’s time to find out how you’re all going to contribute.

One way is to open up a shared account. Doing so can be messy, however, if you’re using that account for multiple bills. Some banks and services also charge a portion of the transfer, so you’ll each be losing money each month, and the amount depends on how many bills you have.

Some apps and services you can use to split bills and transfer money include Splitwise, Mint, PayPal, and Chase’s QuickPay. The benefit of apps that don’t transfer money is that they are often free and don’t collect transfer fees. So, if you’re comfortable with handling money by hand, you could save in the long run.




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