Tom Ruble - EXIT New Options Real Estate



Posted by Tom Ruble on 3/22/2019

Want to make your homeownership dream a reality? Get pre-approved for a mortgage, and a first-time homebuyer can move closer than ever before to acquiring his or her ideal residence.

Ultimately, there are many reasons to receive pre-approval for a mortgage, including:

1. You can establish a realistic homebuying budget.

Entering the housing market for the first time can be challenging. In fact, many first-time homebuyers struggle to establish realistic expectations before they begin their home search. And as a result, these homebuyers may end up spending too much for a house.

Fortunately, getting pre-approved for a mortgage enables a homebuyer to enter the real estate market with a budget in hand. This ensures a homebuyer can avoid the temptation to overspend on a residence.

Pre-approval for a mortgage also allows a homebuyer to map out his or her homebuying journey. With a plan in place, this homebuyer may be better equipped than others to acquire a top-notch residence that matches or exceeds his or her expectations.

2. You can speed up the homebuying journey.

Although a first-time homebuyer can always submit an offer on a home without a mortgage in hand, doing so may be tricky. In some cases, it may even slow down the homebuying process, especially if a homebuyer has to allocate significant time and resources to find a mortgage lender.

On the other hand, a homebuyer who gets pre-approved for a mortgage should have no trouble accelerating the property buying cycle. This homebuyer will know exactly how much money is at his or her disposal, and as a result, can speed up the homebuying journey.

3. You can gain a competitive advantage over rival homebuyers.

In many instances, a home seller may be more likely to accept a proposal from a first-time homebuyer who has been pre-approved for a mortgage versus an offer from a buyer who still needs to obtain a mortgage.

A homebuyer who has a mortgage likely won't have to wait too long to acquire a house. Conversely, a homebuyer who needs to apply for a mortgage after an offer has been submitted may need to wait many weeks or months to complete a home sale.

Clearly, there are many great reasons for a first-time homebuyer to receive pre-approval for a mortgage. For homebuyers who want to ensure the best results possible, it certainly helps to collaborate with an experienced real estate agent too.

An experienced real estate agent understands the ins and outs of the housing market and will do whatever it takes to help a homebuyer streamline the property buying journey. This housing market professional will set up home showings and negotiate with a home seller on a property buyer's behalf. Plus, he or she is happy to provide honest, unbiased recommendations to help a homebuyer make his or her homeownership dream come true.

Take the next step to acquire your dream residence Ė get pre-approved for a mortgage today, and a first-time homebuyer can get the necessary financing to purchase his or her ideal house.




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Posted by Tom Ruble on 3/16/2019

Come view this nicely renovated home and consider making it your own. New Laminate Flooring and Paint throughout most of the 1st. floor. Gorgeous Wide Pine Flooring and New Paint on the 2nd. floor. Good sized Eat-in Kitchen with backdoor that leads to a nice exterior deck. The Deck overlooks a nice, level Fenced-in Backyard to Grill, Relax and Listen to Nature or sit out Front in the Enclosed 3 Season Porch with your Favorite Libation and a Good Book. A 1/2 Bath with pocket door is just off the Kitchen. There is a Formal Dining Room, a large Living Room and a Huge Mudroom with Laundry and Pantry to complete the 1st. floor layout. Upstairs offers 4 good sized Bedrooms and a Full Bath. The area offers numerous Recreational and Cultural Venues plus plenty of Shopping and Entertainment choices. North Central MA. offers a Great Quality of Life. 1st. Showing is deferred per Seller request until Open House on Saturday 3/16 from 1-2 p.m. Check us out.

More Info on this Property | New Listing Alerts





Posted by Tom Ruble on 3/15/2019

Although a home seller wants to enjoy a quick, seamless home selling experience, problems sometimes can arise along the way. And if a home seller is not careful, these issues may cause him or her to encounter one of the dreaded home selling worst-case scenarios.

Ultimately, there are many home selling worst-case scenarios that a seller should try to avoid at all costs, and these scenarios include:

1. A home is priced too high.

A home seller should establish a competitive price for his or her residence from the get-go. Because failure to do so could force a residence to linger on the housing market for weeks, months or years.

To determine a competitive price, it helps to conduct plenty of real estate market research. Looking at the prices of recently sold houses in your city or town can help you determine whether you're preparing to enter a buyer's or seller's market. Also, examining the prices of comparable houses in your area can help you narrow your price range.

Furthermore, a property appraisal is a viable option for all home sellers, at all times. During an appraisal, a home expert will assess your residence and provide a property valuation. Then, you can use the property valuation to price your home accordingly.

2. A homebuyer requests a price reduction or major repairs after an inspection.

A home inspection generally takes place a few days after a seller accepts a buyer's offer on a residence. If this inspection reveals a wide array of home problems, it could jeopardize a potential sale.

It often helps to complete a home inspection before listing a residence. This inspection allows a seller to identify any home problems and resolve these issues immediately.

In addition, a home seller should understand his or her options after an inspection that reveals myriad home problems.

If a buyer requests a price reduction or home repairs after an inspection, a seller can agree to the buyer's terms or counter a buyer's proposal. Or, if a seller feels a buyer is being unreasonable, he or she can walk away from a home sale and relist his or her residence.

3. A home seller hires a real estate agent who lacks comprehensive industry experience.

If a seller hires a real estate agent who lacks comprehensive industry experience, he or she risks a long, arduous home selling experience.

There is no need to hire an inexperienced real estate agent. In fact, dozens of top-notch real estate agents are available nationwide, and these housing market professionals can help you achieve your home selling goals in no time at all.

The ideal real estate agent will know the ins and outs of the housing market. Plus, he or she will be able to guide you along each stage of the home selling journey and do whatever it takes to promote your residence to the right groups of buyers.

Enjoy a fast, profitable and worry-free home selling experience Ė consider the aforementioned home selling worst-case scenarios, and you can minimize risk throughout the home selling journey.




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Posted by Tom Ruble on 3/8/2019

Keeping a clean and reasonably organized kitchen is essential for those wanting to prepare food at home quickly. Finding your kitchen comfortable to work in and maintain will help keep you motivated to cook instead of caving to ordering in or going out to eat. It may seem simple, but many people just put things in different cupboards and don't consider how it might affect the flow of their kitchen and their ability to use the space efficiently. Here are some thoughtful ideas to consider when putting kitchen items away in your new home, or when you finally get around to reorganizing your kitchen space. 

Consider the location of your large appliances. You canít rearrange your refrigerator, stove, dishwasher or sink without a kitchen remodel. So, youíll need to design your kitchen organization around these main appliances that you use frequently. Inspect at the cupboard and drawer space in your kitchen and consider organizing as follows.

  • Prep: Put your cutting boards and knives near each other for easy access and consider keeping them near your sink or within close range of your kitchen trash for quick clean up.
  • Cooking: Place pots, pans, and bakeware in a cupboard near your stovetop and oven. Put hot pads, trivets, and utensils like spatulas and cooking spoons in a drawer near the stove or hang your tools on hooks by the stovetop.
  • Drinking: If possible put your coffee pot near your sink and fridge and place your glasses and mugs in a cupboard easily accessible by both.
  • Dining: For the most convenience see if you can place your plates, bowls and serving dishes near your table and also near your sink and dishwasher. This arrangement will help facilitate dining as well as simplify clean up. 
  • Miscellaneous Appliances: Take inventory of your appliances and be honest with yourself about which ones you use the most. If you bake all the time maybe your mixer needs to be out on the counter or in the front of a lower cupboard. If youíre really into juicing or making smoothies, consider keeping these appliances out or in a place you can easily access. If you rarely use your crockpot or fondue set and are truthfully unlikely to start anytime soon you donít need to have these items out crowding your space or taking up prime real estate at the front of your cupboards. 

Organizing dry foods can also be tricky depending on the size of your kitchen, but there are several ideas you can use to help yourself out.

  • Baking: Put all your baking materials in the same cupboard, on the same shelf if possible and keep these near your oven or your mixing equipment.
  • Beverages: Keep all your coffees and teas together and near your coffee pot and water kettle.
  • Pantry Goods: If you donít have a pantry, designate one cupboard to house goods that are shelf-stable for a long time. Place canned items, unopened sauces, rice and pasta in this cupboard, or on a particular shelf.
  • Daily Use: For items you use daily like bread, cereal and snacks find a quick access location in your kitchen. Maybe this is a cupboard right by your plates and bowls or by your fridge. 

Any kitchen, no matter the size can be organized to meet your daily needs. Take inventory of what you have and what you use to help you transform your kitchen into a functional space that works for you.




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Posted by Tom Ruble on 3/1/2019

Ready to submit an offer on a house? Before you present a proposal to a seller, it is important to plan ahead as much as possible. That way, you can increase the likelihood of an instant "Yes" from a seller, as well as boost your chances of a quick, seamless homebuying experience.

Now, let's take a look at three steps to follow before you submit a homebuying proposal.

1. Get Pre-Approved for a Mortgage

What good is a homebuying proposal if you lack the necessary financing to purchase a house? If you get pre-approved for a mortgage today, you can ensure that you will have the home financing that you need to make your homeownership dream come true.

To get pre-approved for a mortgage, you'll want to meet with several local banks and credit unions. These financial institutions can offer full details about a variety of mortgage options and help you select one that matches or surpasses your expectations.

Also, if you are unsure about the differences between assorted mortgage options, don't hesitate to ask for assistance. Banks and credit unions employ friendly, knowledgeable mortgage specialists, and these professionals are happy to teach you about various mortgage options.

2. Define a "Competitive" Offer

If you want to acquire your ideal residence, it pays to put your best foot forward with your homebuying proposal. Because if you submit a "lowball" offer, you risk missing out on the opportunity to purchase your dream house.

A "competitive" offer generally accounts for the condition and age of a house, along with the current real estate climate. Thus, if you evaluate a wide range of housing market data, you may be better equipped than ever before to submit a competitive offer on any home, at any time.

Take a look at the prices of recently sold houses in your area. This data can paint a picture of the current state of the local housing market.

Furthermore, find out how the home that you want to buy stacks up against similar houses that are available in your city or town. With this information, you can further refine your homebuying proposal.

3. Consult with a Real Estate Agent

A real estate agent is a must-have, regardless of where you are on the homebuying journey. In fact, this housing market professional can help you can make the best-possible choices at each stage of the homebuying journey.

Prior to submitting a home offer, it often helps to collaborate with a real estate agent. This housing market professional can help you determine exactly what to offer on a home. And if your initial proposal is rejected, a real estate agent will make it simple to reenter the housing market and discover your ideal home.

When it comes to submitting an offer on a house, it usually is a great idea to prepare. If you follow the aforementioned steps, you should have no trouble providing a homebuying proposal that is sure to capture a seller's attention.




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