Deborah Keenaghan - Attleboro MA Real Estate, Seekonk MA Real Estate, North Attleboro MA Real Estate

Put a mortgage down payment of 20% or more toward the purchase of a new home and you could lower your monthly loan installments by at least $100. A sizable down payment could also position you as a smart risk to lenders. If you're mortgage is approved, you could yield another reward, less interest to pay over the life of your loan. But, how do you get there, especially when you consider your other financial responsibilities, expenses like student loans, credit card bills and insurance. Fortunately, there are actions that you can take to start building money to put toward a down payment on a new home. Make a Decision and Stick To It Decide how much you want to save for your mortgage down payment. Give yourself enough time to build your savings. For example, if you want to put $10,000 toward your down payment, consider giving yourself two to three years to reach your goal. If you're downsizing, money from the sale of your current home could go toward the down payment on your new home. There are online budget templates that you can use to track your current spending. It’s also good to get in the habit of reviewing your monthly bank statement. Not only can this alert you to erroneous charges on your account, it can open your eyes to how much money you could be saving. If you’re still living with your parents, take an honest look at your spending habits. How much money do you spend on restaurant food, clothes, shoes, concert tickets and other entertainment? At first glance, you might think that you only spend $100 a month on entertainment, when you could actually be spending $250 a month. Let your parents know that you're putting money away for a mortgage down payment. They might lower your rent to help you save. Should you be living on your own, consider taking in a roommate to split your rent. Use the other half of the money that you formerly put toward your rent to save for your mortgage down payment. Other ways to save a mortgage down payment are: • Work a part-time job and deposit those earnings into an interest bearing account. Use your skills to telecommute. For example, you could work as a web page designer, computer programmer, freelance writer, virtual instructor or virtual assistant from home. • Put job bonuses and other incentive pay toward your down payment. • Deposit tax refunds in your interest bearing account. • Combine insurance plans and place the savings in your interest bearing account. • Take advantage of cable, telephone and internet service provider discounts, placing the savings toward your down payment. • Rent out a portion of your home and put the rent toward a down payment on a new home. • Use coupons when grocery shopping. Go to the grocery store on double coupon days and you could save $30 or more a week. • Limit unnecessary spending until you reach your mortgage down payment goal. • Set your thermostat to 65. During summer months, get outdoors to avoid keeping the air conditioner on for hours at a time. During winter months, consider using a sweater. • Sell furniture that you are not using. For example, you could hold a yard sale and deposit proceeds from the yard sale in your savings account. • Until you reach your mortgage down payment goal, consider taking day trips rather than vacationing overseas or on long out-of-town stays that require you to take on airline, hotel and rental car expenses. Stick to your plan. Doing so, could yield you thousands of dollars in savings during house buying negotiations and over the lifetime of your mortgage. Sticking to your savings plan could also strengthen your money management skills, so that you avoid debt and continue to build equity long after you move into your new home.

Spectacular Cape with all the bells and whistles. 4 bedrooms w/ bonus room that could be used as a 5th bedroom or converted to a dressing room area for Master Bedroom. Renovated bathrooms with fantastic tile work. First floor bath has a tiled floor with radiant heat. Sunken Living Room with a pellet stove and beautifully tiled fireplace. Updated kitchen with granite counters, stainless appliances, gas stove & a beautiful granite island with seating. Formal dining room. Partially finished basement with a wet bar & a half bath. And outside is just as spectacular with a solar heated salt water in-ground pool, covered outdoor kitchen, fire pit area, screened in porch with a ceiling fan & electricity, fenced in area with a basketball court & lighting, & a multi level composite deck. Backup generator w/ automatic transfer switch. Hot water is a Rinnai on demand system. 3 zone oil heat with a 2 zone Heat Pump, 2 zone Central air, landscaped yard w/sprinklers & INCOME PRODUCING SOLAR PANELS.

More Info on this Property | New Listing Alerts

Home renovations can make you fall in love with a house that you had spent years struggling to feel comfortable in. Another thing that home renovations can do is raise your house's value. But, you have to make the right home renovations,popular upgrades.

Check out these popular home renovations

Because popular home upgrades are often trendy, they may change every several years. Unless you have deep pockets, you may want to focus on upgrades that you and potential home buyers will appreciate for at least a decade or longer. Here are popular house renovations that offer benefits like more living space, better comfort, improved style and greater functionality:

  • Upgraded bathroom - You don't have to knock out walls and redo the entire bathroom. A great bathroom upgrade can be as simple as installing stylish, metal bathroom faucets or replacing bathroom counters with fashionable granite counters. You could also replace your bath tub, installing a classic marble tub or a standalone metal tub.
  • Kitchen counters - People love granite kitchen counters and unique back splashes. Another item that people appreciate is a kitchen island that's topped with a granite counter. These renovations add more space and personality to your kitchen.
  • Finished basement - Little upgrades add more sleeping, living or entertaining space to your house like a finished basement. Go as far as adding a bathroom and small kitchen to your finished basement and you could rent the space out as a small apartment.
  • Covered parking space - By adding cover to your current driveway, you'll enjoy added protection for your vehicles. The cover protects vehicles against hot summer's rays, hail, snow and hard rains.
  • Extra bedroom - Look to your attic, basement or den when you start thinking about adding a bedroom to your house. Use this space as a short or long term living space for guests.
  • Enclosed porch - Turn your front porch into a fascinating outdoor living space.
  • Customized bookcase - This is a popular apartment amenity. Add a customized bookcase to your living room, bedroom or home library. Fill shelves with family portraits, fresh or silk flowers, awards and artwork.

Home renovations do more than improve your living conditions

The right home renovations can shift your opinion of your house from disapproving to very satisfied. Make popular home renovations and you could shift opinions that home buyers have of your house too. If you've been struggling to sell your house and get it off the real estate market, one or more renovations may be in order.

Just make sure that you pay for renovations that lots of people love. Stylish bathroom tiles, fancy kitchen back splashes and newly installed living and dining room bay windows get a lot of appreciation. Other home renovations like roof solar panels empower your house with trendy style.

This type of popular home upgrade is also environmentally friendly. On top of that, it lowers utility costs for homeowners. It's just one reason why popular home renovations offer more than one benefit. It's why popular home upgrades pay for themselves over the short and the long term.

As a senior citizen, selling a home and moving to a new location may prove to be difficult. Fortunately, we're here to help you take the guesswork out of packing up your belongings and getting settled into a new address.

Now, let's take a look at three essential moving tips for senior citizens.

1. Plan Ahead

Moving day can be long and stressful, particularly for seniors who don't plan ahead. If you start planning for your move today, you can increase the likelihood of a seamless transition from one address to another.

Think about your belongings and what you'd like to bring to your new address. If you have a wide assortment of items that you won't need at your new home, you can sell, donate or dispose of these items prior to moving day.

Also, if you need to hire a moving company, don't wait until the last minute to do so. Because the longer that you wait to hire a moving company, the less likely it becomes that this company will be available on the date of your move.

2. Secure Your Treasured Belongings

Although you've collected a large assortment of items over the years, you may be unable to bring all of these items to your new address. However, if you sort through your belongings, you can determine which items to keep.

Treasured belongings like antiques, artwork and jewelry generally are keepers. Pack and store these items properly to ensure they won't deteriorate before moving day.

Let's not forget about treasured belongings that have sentimental value, either. Photographs and other treasured possessions should be packed in a safe place and labeled correctly. That way, you'll have no trouble unpacking these precious belongings once you arrive at your new address.

3. Ask Friends and Family Members for Help

When it comes to getting ready for moving day, there is no need to work alone. Senior citizens who reach out to friends and family members for help can streamline the process of preparing for a move and enjoy a one-of-a-kind moving experience.

Friends and family members are loved ones who strive to help you in any way they can. Thus, if you contact friends and family members before moving day, you can work with loved ones to boost the chances of a fast, easy move.

Lastly, if you need extra assistance before you relocate, it never hurts to contact a real estate agent. This housing market professional understands the challenges associated with moving and is happy to help any senior citizen enjoy a stress-free move.

A real estate agent can put you in touch with local moving professionals. Plus, if you need help selling a house, a real estate agent can make it easy to list your residence, host home showings and much more.

Keep things simple as you get ready to move – use the aforementioned moving tips, and any senior can quickly and effortlessly prep for moving day.

When it gets to the thick of the summer season, everything moves at a slower pace. You can literally feel the change in the world around you. People feel more relaxed, and there’s a carefree feeling in the air. Here’s some of the trends for summer that you should consider incorporating into the interior design of your home. With these tips, you’ll have a fresh and colorful home that screams “it’s summer” all season long. Stay Away From Patterns And Keep It Simple Have you ever looked at something that was so busy that it gave you a headache? When you have too many patterns in your home, there’s nothing for the eyes to focus on. That’s one of the biggest design mistakes- not having a set focal point in the room. You should trade in your pattern laden items for solid colors. That pillow with the crazy pattern can simply be switched out for one with a solid base. Simple changes like this can make all the difference in your home’s interior. Be Playful Summertime is a fun season. You should add some fun to your home to represent the times. Place games and whimsical figurines around your home to add the fun and light feeling to your home. Everyone who enters your home should have the sense that your home is ready for summer. Summer Is The Light And Airy Season The summer is a time where people are attracted toward bright, clean spaces. Usually people think of white as a clean color. White is a refreshing color which makes it perfect for the summer, which can sometimes be hot and sticky. You can work with white that already exists in your home, finding colors that contrast well like shades of blue. Adding white pieces works as well. Tile and cabinetry are the most common items that you’ll find in your home that are white. While you may not want to bring out a paintbrush for the season if your cabinets are a different color, there’s other things that you can do. Swap out your bathroom accessories for a lighter, more airy color. Change up the set of dishes that you use in your kitchen to a set that feels more summery. Color Pops Can Make Any Room Bold  Summer brings out everything that is bold in the world. The sights of summer are more vibrant, the sounds are more crisp and the flavors are more intense. If you’re often afraid to try something out of ordinary or to use color in a new way, give the idea of adding pops of color a try. You can do anything in a room to add some color. You might consider painting a piece of furniture. If you want to keep it simple, think of getting a throw pillow or an accent rug that is bold in color.