Trust Realty One


Posted by Trust Realty One on 2/19/2017

Take the dread out of housecleaning room by room. Mornings are good times to clean your house, particularly because there’s generally plenty of natural light streaming through windows, making it easier for you to see. You’ll also likely be more rested. But, don’t try to clean your house alone. As a first tip, recruit each member of your family to help with weekly housecleaning activities. For example, you could assign your son to clean the bathroom and your daughter to clean the den. More time saving housecleaning tips include:

  1. Clean your house one room at a time, avoiding walking back and forth from room to room.
  2. Spray the oven and stove top with a cleaner first thing in the morning to loosen hard stains. Soap drip pans in liquid soap and water. Better yet, align the bottom of your oven with a nonstick oven liner, and wipe the liner down each week.
  3. Next, spray bathroom shower tiles with a bleach or a mixture of baking soda and water. Let the sprays work while you clean the rest of your house.
  4. Wash bed linen separate from clothes to give the linen a thorough clean, and to save time by eliminating the need for additional loads.
  5. Use a baking soda and water mixture to wipe the edges of you dish washer clean. This can prevent the build of hard stains, which saves time in the short and long run.
  6. Remove throw rugs from floors, then shake and hang them over an outdoor or basement clothes line. Depending on the types of throw rugs that you have, you may be able to clean them in the washing machine and lightly dry them. Leave rugs off floors until you finish cleaning the rest of your house to avoid having to clean rugs twice. This also clears your floors for easier sweeping, mopping and vacuuming.
  7. Wash your shower liner once a month, saving the time of having to scrub stains off the liner. An added plus is that this step could keep your shower linen mildew free.
  8. Clean dishes while you cook. This is a daily rather than a weekly habit. For example, wash pots and pans after you finish using them. Try it and see if it doesn’t save time. After you finish dining, you’ll only have plates and eating utensils to wash and rinse. Speaking of saving time cleaning dishes, let pots, pans and dishes dry naturally in drainers, as it saves times and utility costs.
  9. Sweep, vacuum and mop floors last, after you complete all other cleaning activities. Use vacuum cleaner extensions to clean corners before you vacuum the rest of the floor.
  10. Store shoes, boots, hats and other accessories in organizers. The more clear floors and furniture are, the less time it takes to clean them.
Be open to multi-tasking. For example, if the telephone rings, consider placing it on speaker, so you can clean while you chat. And teach each member of your family to clean up after her or himself daily. By performing small daily housecleaning steps, you can save time on weekly and monthly cleanings.





Posted by Trust Realty One on 2/12/2017

Adjustable rate mortgages are also known as “ARM” loans. These are home loans with monthly payments that move up and down along with interest rates and the market. There’s different periods that occur throughout the time of the adjustable loan including an initial period where the rate is fixed for a certain amount of time. The rates will change along with preset intervals of change. 


Rates Start Lower Than Fixed Rate Mortgages


Interest rates during the fixed rate period of an adjustable mortgage are usually lower than that of fixed-rate mortgages. The most common type of adjustable rate mortgage is called the 5/1 ARM. This means that the rate is locked for a total of 5 years before it becomes truly adjustable. After the 5 years the rate will change every year. Other forms of ARM loans are the 3/1, the 7/1, and the 10/1.


Rate Indexes And Margins


Following the fixed-rate period, the interest rate adjusts with what’s titled the index interest rate. This rate is set by the market and is released periodically by an independent party. Since there are a variety of indexes, your loan will state which index your adjustable rate mortgage will follow. To set your exact rate, your lender will look at the index and then add a number of percentage points that has already been set in place. This is called the margin. For example, an index rate of 2.5 percent and a margin of 2 will equal an interest rate of 4.5 percent. As the index changes, this number will go up and down.


Adjustable Rate Mortgages Come With Caps


If you do decide to go with an adjustable rate mortgage, you should know that you’re protected from extreme rate increases. These loans come with caps that limit the amount that both rates and payments can change by. There are several different kinds of caps including:


Periodic Rate Cap

This limits the amount that an interest rate can change from one year to the next.


Lifetime Rate Cap

This type of cap limits how much the interest rate can change overall throughout the life of the loan. 


Payment Rate Cap

This limits how much the monthly payments can rise over the life of the loan in a dollar amount. This is different than other caps, since it denotes dollars instead of percentage points.


Is This Type Of Loan For You?

Adjustable rate mortgages can be good, depending on the state of the economy and your own financial situation. Stay educated and shop around in order to get the best rates available for you.





Posted by Trust Realty One on 2/11/2017


247 Chestnut Hill Ave, Boston, MA 02135

Brighton's Cleveland Circle

Rental

$1,800
Price

2
Rooms
1
Beds
1
Baths
Features: CENTRAL HEAT, Dishwasher, Disposal, Eat-in Kitchen, Elevator, Exposed Brick, FEE IS NEGOTIABLE, Gas Stove, Hardwood Floors, INCL. HEAT & HOT WATER, INCLUDES SNOW REMOVAL, Intercom, Landscaping Included, Laundry in Building, Marble Bath, Microwave, Modern Bath, Modern Kitchen, Mud Room, Near T, Pets Ok, Recessed Lighting, Refrigerator, SHORT - TERM OK, Security On Site, Street Parking, TENANT AT WILL, WATER INCLUDED, Walk-In Closet, newly painted THIS 1.5 BEDS 1 BATHS LOVELY HOME LOCATED IN BRIGHTON OFFERS: FULLY APPLIANCED EAT IN KITCHEN GAS COOKING / GAS HEAT GLEAMING HARDWOOD FLOORS MUD ROOM ELEVATOR IN BUILDING LAUNDRY ON SITE
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Tags: Boston   Real Estate   Rental   02135  
Categories: New Homes  


Posted by Trust Realty One on 2/5/2017

A new house is within reach if you find a lender who doesn't require a down payment or you to secure a mortgage. But, that's probably not the type of lender you want. A quality lender will check your credit history, background, work history and ask how much you're ready to put toward your down payment.

How you could put 20 percent or more down on a new house

It's recommended that your down payment be at least 20 percent of the total cost of your new house. Add in the fact that the average price on a house in the United States exceeds $300,000 and you're left to find a way to raise $60,000 or more.For many Americans, that's equal to an annual salary or more.

As impossible as it may seem, you can raise enough money to put down on a new house.It may call for a short term sacrifice as it regards your living arrangements. You might have to live with your parents for a year or longer.

Another sacrifice that you may have to make regards entertainment and clothes. Instead of buying live concert tickets, stream concerts live on your computer. Hand wash delicate clothes, so that you can wear the fashions until you've raised the down payment.

Get serious about saving for a down payment

Make saving a down payment for a new house a priority. More actions that you could take to save your down payment are to:

  • Cut your commuting costs - Try carpooling. You can also sign up for commuter savings programs through your employer. Heavily trafficked business areas might operate separate commuter savings programs. Your local Chamber of Commerce or the mayor's office may be a good first contact to learn more about these savings programs.
  • Hold yard sales and deposit all proceeds from the yard sales into a savings account that goes solely toward your down  payment.
  • Offer to take on extra projects at work. Put all of your overtime pay in the savings account.
  • Pay off credit cards. If you don't pay credit cards off completely, start paying them down to reduce your monthly minimums.Put this extra money toward your down payment.
  • Perform seasonal work. Types of seasonal employment includes mowing lawns, shoveling snow and preparing and taxes. If you prepare taxes make sure that you are licensed. You could also work with large, established tax firms.

Find out how much it cost to pay rent for a studio or one bedroom apartment where you live. Put this money into your savings account. Also, give some of the money to your parents as a show of appreciation.

After you save 15 percent of the down payment, meet with lenders. Ask them what type of interest rates they are willing to give you on a new house. Stick to your savings plan until you reach at least 20 percent on the average price of a home in your area.




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Posted by Trust Realty One on 2/2/2017


30 Arnold St, Needham, MA 02494

Rental

$1,850
Price

4
Rooms
1
Beds
1
Baths
$1850 Furnished 1BR/1BA Garden Level_Needham MA *All Utilities included: -Heat -Hot Water -Electric -Complimentary Cable (FIOS) -Complimentary (FIOS) Wi Fi Internet -Short term lease available *Living area: -Leather furniture -Coffee & end table -Large flat screen tv -Fireplace *Dining area: -Eat in with island/table -Refrigerator -Microwave -Toaster Oven -Electric teapot -Keurig Coffee maker *Bedroom area: -Queen bed -All bedding/linens provided -Small flat screen tv -Large dresser -Additional 6ft portable wardrobe -Side tables ***Price point is based on 1 occupant.
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Tags: Needham   Real Estate   Rental   02494  
Categories: New Homes  




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