Kim Daneault
KELLER WILLIAMS REALTY / Metropolitan | 603-345-7783 | [email protected]


Posted by Kim Daneault on 10/14/2018

If you’re finding that your finances are a bit tighter these days, you might need to adjust your budget a bit. Have you ever thought about alternatives in helping you to pay your mortgage? There’s a few things that you might be able to do in your home to save a few bucks and be more comfortable with your budget and finances. 


Share The Space


This might sound crazy, but it works for many people. If you’re willing to share your living space with others, it could help you to make a dent in your mortgage. This works especially well if you have a home with a separate entrance like an in-law apartment or something similar. 


Make Adjustments To Your Expenses


There are many different costs that come along with owning a home. If you reduce some of these expenses, you’ll be able to cut your overall spending. You don’t need to completely adjust your entire way of living to do this. Some ideas:


  • Cut the cord on cable and install streaming devices
  • Go on a family cell phone plan
  • Skip the gym membership
  • Use public transportation
  • Cook at home instead of eating out
  • Use coupons


Put Tax Refunds To Good Use


If you normally get a tax refund, you can apply that money to your mortgage instead of using it to buy something else. You could also adjust your withholdings. This would allow you to get a bit more money in your paycheck each week. You’ll get less of a refund during tax time, but the extra money may help you to pay down bills throughout the year. 


Pay More Towards The Principal 


To make the most of your hard-earned savings, use your money wisely and pay down the mortgage faster. Just be sure that there’s no penalty for a prepayment of the loan. You can either make an extra loan payment each month or you can pay a bit over what you owe on the mortgage each month. If you pay the mortgage faster, you’ll save potentially thousands of dollars in interest over the life of the loan. You’ll need to check with your mortgage company to see what their process is for paying more towards the principal of the loan. Keep in mind that the first few years‘ worth of your mortgage payments will be going towards interest unless you specify extra payments to go elsewhere.


Whether you’d like a little more of a financial cushion or are just looking to get rid of all those pesky monthly bills, it’s never a bad idea to focus on paying your mortgage down as quickly as possible.




Tags: Mortgage   finances  
Categories: Uncategorized  


Posted by Kim Daneault on 10/7/2018

Let's face it – purchasing your dream home may prove to be an uphill climb, particularly for a homebuyer who fails to prepare accordingly. Lucky for you, we're here to help you make your homeownership dream a reality and ensure you can discover your ideal residence in no time at all.

Now, let's take a look at three tips to help you get ready to pursue your dream house.

1. Establish Homebuying Criteria

Finding your ideal house can be quick and easy if you establish homebuying criteria before you launch a home search. In fact, with homebuying criteria in hand, you can narrow your house search and speed up the homebuying journey.

To create homebuying criteria, you first should think about cities and towns where you want to live. Next, analyze houses in your preferred cities and towns and consider home must-haves and wants. Once you know exactly what you want to find in your dream house and where you want to reside, you can schedule home showings and move closer to finding your ideal house.

2. Get Pre-Approved for Home Financing

Homebuyers rarely have all the money they need to buy a home. Thankfully, banks and credit unions offer a wide range of mortgage options to make it simple for homebuyers to purchase residences. And if you meet with banks and credit unions, you can review your mortgage options and get pre-approved for home financing.

Obtaining a mortgage may help you streamline your house search because it enables you to establish a homebuying budget that you can use to hone your quest to find your dream home. Perhaps best of all, getting pre-approved for a mortgage may help you resist the temptation to spend beyond your means to purchase your ideal residence.

3. Hire a Real Estate Agent

Navigating the housing market on your own can be challenging for first-time and experienced homebuyers alike. Fortunately, real estate agents are available who can help you take the guesswork out of pursuing your dream house.

A real estate agent is a housing market expert who understands what it takes to complete a successful home search. He or she will meet with you, analyze your homebuying goals and map out a homebuying strategy. Then, a real estate agent will work with you to help make your homeownership dream come true.

As you conduct your home search, a real estate agent will keep you up to date about new residences that become available in your preferred cities and towns. He or she also will set up house showings and offer insights into the local real estate market. Furthermore, if you find your dream house, a real estate agent will help you craft a competitive offer to purchase this residence. And if your homebuying proposal ultimately is accepted, a real estate agent will guide you through the final stages of the homebuying process.

Start your search for your dream house – use the aforementioned tips, and you can boost the likelihood of a successful homebuying journey.




Categories: Uncategorized  


Posted by Kim Daneault on 9/30/2018

Before you sell your home, you may wonder if there are any areas that you can improve on before putting the home on the market. Kitchen renovations have one of the highest return values of any changes that you make to your home. It’s worth investigating what areas of the room could use some improving. Some of these upgrades don’t even require you to start a construction project.


Clear Off The Counters


You don’t even have to replace the countertops to add some value to your home. Making it appear as if your counters have the maximum amount of space before you show the home can really impress potential buyers Simply clear your counter, clean it, and make any small repairs that you notice may need to be done. If you have time and the budget, you can always replace tired old countertops. Simply showing that your counters have more room can really make a big difference.  


Add A Backsplash 


You can add a backsplash or update your existing one in order to breathe some life into your kitchen. Make sure that the tiles you choose coordinate with the theme of the kitchen. This is purely cosmetic but a kitchen with a fresh backsplash sells much faster than a tired, worn looking kitchen backslash, or even a kitchen without a backsplash at all.


Add Some Technology To The Kitchen


Buyers like simplicity and convenience in their potential homes. Consider adding some technology to the kitchen like USB outlets and smart appliances. If you can save a buyer from needing to upgrade their appliances and meet their 21st century needs at the same time, your home will be a very attractive sell. There are few things more enticing to buyers than brand spanking new appliances in the kitchen! These updates will surely add value to your home before you sell.   


The Floor 


While floors offer the least return for your investment, buyers don’t like looking at old, dirty floors! Take the time to clean up your floor and replace it if needed. It’s not a difficult do-it-yourself project and can really make your kitchen look more attractive.       


Clean The Cabinets


Buyers are very into looking at every nook of the home they may potentially buy. That means if you have nice looking cabinets, you can have a leg up as a seller. Whether you need to clean and stain the wood on your cabinets, add a fresh coat of paint, or do a larger project and replace the cabinets altogether, there are plenty of ways that you can give your cabinets a fresh look, drawing attention to this part of the room. Be sure that whatever you do to your cabinets will bode well with the style of the kitchen.  




Tags: kitchen   renovations  
Categories: Uncategorized  


Posted by Kim Daneault on 9/23/2018

For home sellers, accepting a homebuyer's offer represents one of many steps you'll need to complete to finalize your home sale. In fact, accepting a homebuyer's proposal provides no guarantees, and a homebuyer likely will conduct a home inspection that may determine whether he or she moves forward with a home purchase.

Ultimately, a home inspection may make or break your home sale. But if you spend some time preparing for a home inspection, you can improve your chances of accelerating the home selling process.

Here are three tips to help home sellers get ready for a home inspection.

1. Clean Up Your Home's Interior and Exterior

A home inspector will investigate every nook and cranny of your house. As such, you'll want to ensure your residence dazzles when a home inspector visits, as any flaw could damage your chances of finalizing your home sale.

Conduct an extensive clean-up of your house's interior and exterior – you'll be happy you did. With a neat, tidy home, you'll be able to improve your chances of making a positive impression on a home inspector.

Plus, evaluating your residence before a home inspection ensures you can identify and address any minor flaws before the evaluation. That way, you'll be able to eliminate any problems and improve your chances of a fast, seamless home inspection that won't jeopardize your home sale.

2. Ensure All Areas of Your Home Are Easily Accessible

A home inspector will want to examine your hot water heater, your home's siding and more, so you'll want to make every area of your home easily accessible to a home inspector to guarantee he or she can perform the assessment properly.

Although a home inspector may uncover a variety of problems with your residence, the assessment represents a valuable learning opportunity for both you and the homebuyer. Thus, if all areas of your home are easily accessible, you may be able to make the most of this opportunity, learn about hidden problems with your residence and work to resolve these issues accordingly.

3. Consult with Your Real Estate Agent

Let's face it – a home inspection can be stressful, particularly for home sellers who want to finalize a home sale as soon as possible. Luckily, your real estate agent can help you minimize stress and ensure you know exactly what to expect before, during and after a home inspection.

Your real estate agent can answer any of your home inspection questions and ensure you are fully prepared for the assessment. In addition, your real estate agent will collaborate with you and the homebuyer. And if problems are discovered during a home inspection, your real estate agent will help you determine the best course of action.

When it comes to a home inspection, there is no need to worry. If you use the aforementioned tips to prepare for a home inspection, you'll be able to improve your chances of speeding up the home selling process.





Posted by Kim Daneault on 9/16/2018

When you sell something, you expect to make a profit on the sale. It doesn’t quite always work this way when you sell a home. While you may count the sale of your home as “all profit,” there will be some significant upfront costs that you’ll incur when it comes to selling your home. Planning the sale of your home can help you to manage these expenses and sell your home faster.  


Upfront Costs


The first costs that you will incur when you’re selling a home will usually be of the cosmetic and repair nature. These will include things like painting, small fixes, and 


Paint Your Home


Although you may love the bright green living room, another homebuyer may not. It would be worth your investment to stage your home well. An important renovation might include painting the rooms on the inside of your home neutral colors. Refreshing the trim on your windows also helps to make the interior of your home shine. You can paint around the windows for a quick update to the inside of your home. Paint can cost anywhere from a few hundred dollars to over $1,000.  


Clean Everywhere


If you wash your windows, it could add some value to your home and help it sell faster. When the windows sparkle, they will undoubtedly make a very positive impact on the buyer. Get rid of dust, dirt and grime, especially from the obvious spaces in your home.  


Landscaping


The outside of your home is also very important. Do some quick yard maintenance for a better look for the exterior of your home. Rake up the leaves. Trim the bushes. Mow the lawn. Make your home appear as pristine as possible. 


Repairs


Anything that needs to be repaired in the home should be. This will help you out during the inspection period. Things like leaky sinks, cracks in the walls, and holes in the roof are obvious and should be addressed before your home even goes on the market.                  


Stage Your Home


Take the time to make sure all of your furniture is arranged in a neat manner. The rugs should be streamlined with the chairs and tables. If things look a little cramped in any room, either take a piece of furniture out or move the room around in order to make it appear more spacious. 


Keep Your Utilities Running


If you need to move out before you get your home sold, make sure that you leave your utilities on. This way, there’s lights and heat available for potential buyers as they walk through the home to discover if they can see themselves living there.




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