Kathryn Varjian Ferrazzi - William Raveis Real Estate & Homes Services



Posted by Kathryn Varjian Ferrazzi on 11/3/2017

This Single-Family in Dennis, MA recently sold for $280,000. This Ranch style home was sold by Kathryn Varjian Ferrazzi - William Raveis Real Estate & Homes Services.


6 Edgewood Road , Dennis, MA 02639

Dennisport

Single-Family

$285,600
Price
$280,000
Sale Price

5
Total Rooms
3
Beds
1
Baths
If walls could talk45 years of memories were created here, and the owner's wish is for new owners to make joyous memories of their own. This Cape Cod Cottage is sweet as can be, and only 0.8 mi to Sea St Beach. Sip your morning coffee from the enchanting back yard oasis ~ a simply spectacular setting. Peaceful little side street. Neat as a pin, and being sold furnished (see agent for exclusions). Brand new windows and newer roof.

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Posted by Kathryn Varjian Ferrazzi on 11/1/2017

If you’re buying or selling a home for the first time you’ll likely come across several terms and acronyms you’ve never heard before. When working with a real estate agent, he or she will likely do their best to put things in simplest terms for you to understand. But, it never hurts to do your research ahead of time so you’re prepared for the lengthy and complex process of buying or selling a home.

In this article, we’ll define some of the real estate terms you’re most likely to read or hear during your search for a new home, or when you put your current home on the market.

Common real estate definitions

  • Adjustable rate mortgage (ARM) - a home loan with a in interest rate which fluctuates throughout the payback term of the loan. The fluctuation typically aligns with changes in the housing market’s average interest rates.

  • Fixed rate mortgage (FRM) - Fixed rate mortgages have an interest rate that does not change for a predetermined period of time or for the entire length of the home loan repayment period.

  • Closing costs - Miscellaneous fees associated with buying a home. These include attorney fees, applications fees, taxes (property taxes, transfer taxes), underwriting costs, and more.

  • Transfer tax - A tax charged for when a property changes ownership. These vary by state. Some states do not have a transfer tax.

  • Appreciation and depreciation - Appreciation is an increase in a property value due to things like inflation. Depreciation is a decrease in property value due to market deflation, wear and tear on the property, etc.

  • Equal Credit Opportunity Act (ECOA) - A U.S. law that makes it illegal for a creditor to discriminate on the basis of the following: national origin, race, color, religion, sex, age, marital status, or to the applicant’s status as receiving public assistance from things like food stamps and social security.  

  • Mortgage escrow - an escrow is a neutral, third party agent or company which holds documents or funds until certain terms and conditions are met and a contract is fulfilled or terminated. For mortgages, lenders will often set up an escrow to pay insurance premiums and property taxes. These are typically added to your monthly mortgage bill.

  • Homeowners association (HOA) - a group of homeowners who regulate, maintain, and manage common spaces in subdivisions and condominiums. Monthly dues are typically required to upkeep common spaces. An HOA board made up of homeowners meets to vote on rules and regulations that members of the HOA must abide by.

  • Private mortgage insurance - a type of insurance that protects a lender if a borrower defaults on their home loan.

  • Exclusive agency listing - an agreement between a homeowner and a real estate broker giving the broker exclusive rights to list the home.

  • Assumable mortgage - a home loan that enables a buyer to take over the seller’s mortgage payments and loan terms.

  • Fair Credit Reporting Act (FCRA) - A U.S. law which promotes privacy, fairness, and accuracy in reporting your credit score to lenders. This lets you correct inaccuracies and prevent certain information from being used against you when applying for a loan.




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Posted by Kathryn Varjian Ferrazzi on 10/25/2017

As a first-time home seller, it can be difficult to determine exactly what you need to do to prep your house for the real estate market. Lucky for you, we're here to teach you what it takes to sell a house in any real estate market, at any time.

Now, let's take a look at three important questions that every first-time home seller needs to consider:

1. Am I ready to sell my house?

For many first-time home sellers, the answer to this question is a resounding "No," and perhaps it is easy to understand why.

Adding a home to the real estate market requires home sellers to conduct plenty of real estate research. By doing so, a first-time home seller can determine how his or her house stacks up against comparable residences that are currently available.

Also, it may prove to be worthwhile to complete a home appraisal. This assessment will enable you to identify your house's strengths and weaknesses and complete any property repairs immediately.

2. After I sell my house, where will I go?

It is important for a first-time home seller to think about the big picture. Thus, you'll need to consider where you'll go after you sell your residence.

If you think about where you'd like to relocate, you can start planning accordingly. In fact, you can establish a home selling timeline and find ways to make the most of the time and resources available to you.

In addition, if you need to relocate as soon as possible, this may have far-flung effects on how you market your residence.

A home seller who needs to move right away may be more likely that others to list his or her house at a below-average price. On the other hand, a home seller who can afford to be patient can wait out the real estate market if necessary.

3. What should I expect when my home hits the real estate market?

Unfortunately, the housing market offers no guarantees. This means a dedicated first-time home seller who goes above and beyond the call of duty to prepare a home may watch his or her house linger on the real estate market for months. On the other hand, a home seller who does minimal prep work may watch his or her house sell immediately.

When it comes to getting ready to add your house to the real estate market, there is no reason to leave anything to chance. With an expert real estate agent at your side, you can boost your chances of getting the best results during the home selling journey.

An expert real estate agent can answer any questions that you may have about selling your house. Plus, he or she will help you list your residence, promote it to potential property buyers and set up home showings and open houses.

Ready to add your house to the real estate market? Use the aforementioned tips, and any first-time home seller can seamlessly navigate the home selling process.




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Posted by Kathryn Varjian Ferrazzi on 10/18/2017

Just because many Americans live in their house less than six years, doesn't mean that you can't come to love a house until it hurts emotionally to even think about moving. In fact, you'd be among more than about a third of America's homeowners if you stayed in your house for 10 or more years.

Houses are a lot more than brick and mortar

During those 10 or more years, you'd build memories. You're sure to do this even if you don't have children. There's the decorating, general maintenance and landscaping. There's also holiday gatherings, fine dining and hours resting on the sofa or in bed at night.

These are just a few of the experiences that turn a house into a vital part of your personal history. Live in a house long enough, raising children and caring for grandchildren when they visit on weekends, holidays and during summer, and you might not recall some of the warmest experiences in your life without seeing yourself in your house.

Yet, warm memories are not going to stop your house from aging. Warm memories won't stop your house's pipes from turning fragile, the roof from leaking or the floor from curling or sagging. If you're up in your years, your adult children or friends could stop by and help with repairs.

Take the sting out of leaving an old house

After awhile, even this may not suffice. You may have to face the fact that it's time to move. Give yourself time to adjust to looking for another house, perhaps a smaller, more modern home. Or perhaps you've decided to move into an apartment,the type of place you won't have to repair and maintain.

To adjust to moving out of a house with history, be sure to pack your pictures. Bring them with you to your new home. Discuss the idea of moving with family and friends. Don't bury your decision to move.

It also helps to write how you feel about moving out of your old house in a journal. Just getting the words on paper can make you feel better, can help you to feel empowered enough to take your memories with you to a new place.

After you decide on a house or apartment to move into, solicit the support of family and friends. Turn the move into a supportive event. Pull out your iPod and play your favorite songs. Let yourself laugh and recall fun times that you experienced in the house.

You could even take pictures of the move. Do the same when you arrive at your new home. After all, you're going to create warm memories at your new home too, the very memories that may one day be among your dearest.

Even with these steps, it may take months to adjust emotionally and psychologically to living in a new home. Be patient with yourself, the same as you would be with a good friend.




Tags: moving   house move  
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Posted by Kathryn Varjian Ferrazzi on 10/7/2017

This Single-Family in Barnstable, MA recently sold for $300,000. This Ranch style home was sold by Kathryn Varjian Ferrazzi - William Raveis Real Estate & Homes Services.


166 Ebenezer Road , Barnstable, MA 02655

Osterville

Single-Family

$305,000
Price
$300,000
Sale Price

4
Total Rooms
2
Beds
2
Baths
Light and bright 2 bedroom 2 full bath ranch with expansion potential. Inviting living room with fireplace and bay window; kitchen/dining room with hardwood, island, Silestone countertop, glass door cabinets & stainless steel appliances. Spacious master bedroom with full private bath, second bedroom (currently set up as a den), and an updated main bath. Off the dining area you'll find a 16' deck that overlooks the patio & a private back yard. The full walkout basement has a slider and windows for natural light, two partially finished rooms, and is rough plumbed for a 3rd bathroom ~ so much potential! Bonus: The beautiful yard with perennials is a gardener's delight. Andersen windows and sliders,generator ready, 2015 SS chimney liner, 2011 boiler, 2011 septic.

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