Tom Ruble - EXIT New Options Real Estate



Posted by Tom Ruble on 8/17/2018

Navigating the home selling journey can be difficult, regardless of whether you're an experienced or first-time property seller. Fortunately, we're here to help you limit the possibility of encountering home selling problems that otherwise may prevent you from achieving your desired results.

Now, let's take a look at three tips to help you avoid risks during the home selling journey.

1. Learn About the Housing Market

What sets your residence apart from others on the real estate market? Ultimately, if you allocate time and resources to learn about the local real estate sector, you can promote your residence to the right groups of prospective buyers.

Take a look at the prices of homes that are similar to your own and are located in your city or town. With this real estate market information, you can narrow the price range for your residence.

Also, check out the prices of recently sold houses in your area and find out how long these homes were available before they were sold. This real estate market information will enable you to determine whether you're about to enter a buyer's or seller's market.

2. Establish an Aggressive Price for Your House

An aggressive initial home asking price can be a difference-maker during the home selling journey. Because if you have an aggressive asking price in place for your home, you could boost the likelihood of a fast house sale.

Conducting a home appraisal enables you to understand the value of your house based on its age, condition and the current state of the housing market. This appraisal is performed by a property expert, and it may help you establish an aggressive initial home asking price from day one of the home selling journey.

In addition, it may be beneficial to complete a home inspection. If a home inspector analyzes your residence both inside and out, he or she can help you identify potential problems. Then, you can perform various home upgrades to boost the value of your home.

3. Remain Flexible

The home selling journey typically varies from seller to seller. However, if you remain flexible as you proceed along this journey, you may be better equipped than other home sellers to identify and address problems before they escalate.

If you require extra assistance during the home selling journey, you may want to hire a real estate agent as well. This housing market professional can guide you along the home selling journey and take the guesswork out of listing your residence.

A real estate agent will help you add your residence to the housing market, promote your house to potential buyers and set up open house events and home showings. Plus, if you receive an offer to purchase your residence, a real estate agent will help you review this proposal and make an informed home selling decision.

Avoid problems throughout the home selling journey Ė use the aforementioned tips, and you can quickly detect and resolve any potential home selling issues.




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Posted by Tom Ruble on 8/12/2018

Raised Ranch in Desirable area of Gardner. Seems much larger than Public Record states. Extensively renovated on the interior with newer Woodgrain Laminate Flooring, White Kitchen Cabinets and Countertops. Eat in Kitchen with lots of cabinet space. Huge level Backyard for playing and/or entertaining. Large Deck overlooks yard. Large Woodstove in basement heats entire house to keep heating costs low. Exterior needs paint and some trim work, but home is move in ready. New water filtration system. 1st. Showing will be at Open House Saturday 8/23 from 11:30 - 12:30. Great Starter Home or for Downsizing. Greater Gardner Area has much to offer, both for outdoor recreation and cultural interests.

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Posted by Tom Ruble on 8/10/2018

This Single-Family in Gardner, MA recently sold for $188,000. This Colonial,Cape style home was sold by Tom Ruble - EXIT New Options Real Estate.


84 Washington St., Gardner, MA 01440

Single-Family

$199,900
Price
$188,000
Sale Price

8
Rooms
4
Beds
2
Baths
This eight room, four bedroom, two bath home boasts spacious rooms, high ceilings, and beautiful architectural features which adds charm and character. Enjoy the large living room with hardwood flooring, under the carpet, fireplace, and french doors leading out to a bright sun room with wood wainscotting. Eat-in kitchen, 1st floor office or study, and a 1st floor master bedroom with terrific walk-in closet and hardwood flooring, complete the main level. The staircase to the 2nd floor is stunning, there you will find three more bedrooms and a good size family room offering wonderful space for a growing family. The two car garage, corner lot, and plenty of parking adds value. Warm and inviting, this home does need some updating and cosmetics, but the big money has been spent on recent siding, roof, and windows. 2300+ square feet of living space makes this one a lot of house for the money. Very well cared for by long time owner, this one must be seen to appreciate.

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Categories: Sold Homes  


Posted by Tom Ruble on 8/10/2018

Itís common knowledge that a 20% down payment is key when you buy a home, but is it absolutely necessary? With average home prices continuing to rise, itís hard to actually save up that sizable of an amount of money. Thinking bout the numbers, buying a home may seem impossible. 


Thereís good news: The 20% down requirement is actually a myth. If you put less than 20% down, you can still get a mortgage with most banks. Thereís a reason why you hear that you need to put 20% down to buy a home. If you donít put 20% down, you need to get either private mortgage insurance (PMI) or government insurance from the Federal Housing Administration (FHA). These types of mortgage insurance protect the lender if you donít make your payments and the home is foreclosed on. 



Do PMI Payments Go On Forever?


When your loan-to-value ratio reaches 80 percent, youíre able to ask your lender to cancel the insurance. Once the loan-to-value ratio reaches 78 percent, the lender has a requirement to cancel the PMI. This type of insurance can be costly, averaging at least a few hundred dollars a month. 


Alternatives To 20 Percent Down


Look at financing before you find a house. Thereís a few programs that can help you to buy a home without 20% down. Thereís different ways to qualify for these programs, so your best bet is to talk to a lender well before you start your home search.


Government programs through places like the US Department of Agriculture and the Federal Housing Administration help people to buy a home with very little down- anywhere from 0-3.5%. Some of these programs can prove to be costly on the backend, due to extra insurance requirements, but they do provide an alternative path to home ownership.  


Thereís also an option to actually finance the down payment with what's called a subordinate loan. his may make sense for some, however, you are taking out a loan in order to pay for another loan. The process may be counterintuitive for you and your financial situation. 


Different Paths To Homeownership


While thereís many different paths to owning a home, thereís no one right answer. Since everyone chooses different properties and has different financial situations, thereís a way for you. Even if saving up a 20% down payment is seemingly impossible, thereís way to get around it. Start with talking to your bank and other lenders to see what types of programs are available to you and discover what your path to homeownership is.




Tags: down payment   PMI  
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Posted by Tom Ruble on 8/9/2018


366 Otter River Rd, Gardner, MA 01440

Single-Family

$159,900
Price

6
Rooms
3
Beds
1
Baths
Raised Ranch in Desirable area of Gardner. Seems much larger than Public Record states. Extensively renovated on the interior with newer Woodgrain Laminate Flooring, White Kitchen Cabinets and Countertops. Eat in Kitchen with lots of cabinet space. Huge level Backyard for playing and/or entertaining. Large Deck overlooks yard. Large Woodstove in basement heats entire house to keep heating costs low. Exterior needs paint and some trim work, but home is move in ready. New water filtration system. 1st. Showing will be at Open House Saturday 8/23 from 11:30 - 12:30. Great Starter Home or for Downsizing. Greater Gardner Area has much to offer, both for outdoor recreation and cultural interests.
Open House
Saturday
August 11 at 11:30 AM to 12:30 PM
Join us to view this great home. Saturday August 11 from 11:30 - 12:30.
Cannot make the Open Houses?
Location: 366 Otter River Rd, Gardner, MA 01440    Get Directions

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