Shawn Sullivan, Massachusetts Real Estate, Medford homes for sale, Somerville homes for sale


You and your family spend the most time in your living room. This is a great place for conversation, relaxing, and fun. The place where the family gathers often should also be a place of safety and security for everyone. Every nook of the room should be covered from the floors to the furniture to the fireplace. You can improve the safety of your living space without sacrificing on the style of the space. A safe living space is all part of a safe home. 


Be Cautious Of Fires


Fire safety should be a top priority when it comes to your living space. Especially if you have young kids or pets in the home, you’ll need to make sure that little hands and paws cannot get anywhere near fireplaces, candles, or burning incense. Accidents can happen in a matter of seconds with these items. Use baby gates to block off certain areas near the fireplace to keep children and pets away. Burn candles in places that are out of the reach of little hands. Also, anything that’s burning should be secured and unable to be knocked over. 


Be Mindful Of Cords


Cords sprawled throughout the living room can spell disaster. These can lead to tripping, electrocution risks, and an overall mess. Use clever ways to keep cords organized and out of sight. You can buy cord keeper units at your local hardware store, or you can create your own. All you need is a box with holes to filter the cords through. This will keep tiny hands and paws out of the reach of loose cords          


Install Security Systems


Even when you’re home, it can be a good idea to install a security system. You should always have an alarm system installed near the front door of your home, which typically is near your living space. Security systems don’t need to be an eyesore either. There are plenty of systems that actually blend right into your walls, making them an even better choice to hide them from the likes of thieves or intruders. One idea is to hide the alarm system components behind a painting or wall canvas. This is a good security measure for your children too. They won’t have access to the alarm system, so you don’t have to worry about them believing that it is a toy.


Furniture


Keep furniture out of walking paths in your living space. It can cause problems for young children who are still learning how to control their own movements. Bulky furniture that gets in the way can also cause a hazard for adults too. You don’t want sharp corners or bulky elements that can contribute to trips, falls, and other injuries. Always keep the safety of the very young and older adults in mind.      


You found the perfect home. It has everything you want from location to bedrooms to that art studio in the back, AND the mortgage payment will be lower than or the same as your current rent. You got qualified for the loan and the agent has all the paperwork ready to go. So that’s it, right? Time to buy!

In all the excitement of finding that new home, it’s easy to ignore the warning signs of “overspending” and forget that there are more costs than just the mortgage payment. This can be a dangerous game because once those papers are signed, you are stuck with your purchase. 

Additional Monthly Costs
For the best home-buying experience, calculate ALL your monthly costs and try to budget that into your life before you make any final decisions. Determine what you are willing to give up in order to get that extra bedroom or live in that perfect neighborhood. Some additional monthly charges include:

  • PMI “Private Mortgage Insurance”: Pay attention to the mortgage you qualify for and make sure to calculate for PMI in your new monthly budget if it applies. PMI exists to protect your lender in case you default on your mortgage loan. It’s usually included when you have a lower credit score or a smaller down payment and can range from $75 to $300 per month or more.
  • Homeowners Insurance: You’ve been paying renters insurance for a while now probably, but homeowners’ insurance is a completely different ball game. Your insurance cost will be based on the estimated cost to fix or rebuild your home after a catastrophic event, NOT its market value. That means any special features with historic value, specialty windows, etc. will increase the price. Also check out if the home is in a weather damage area, somewhere prone to tornadoes, flooding, hail, etc. It also covers everything inside your home from furnishings to clothes and electronics. The more stuff you have, the greater the cost to insure it.
  • Property Tax: Unlike tenants, owners pay taxes to local governments for schools, roads, city governments, etc. These vary greatly from area to area, so be sure to find a good local property tax calculator to help estimate what those charges will be. If you’re buying a home in a new neighborhood or a gentrifying one, there may be additional taxes to cover the cost of roads, streetlights, parks, and other new area features.
  • Association Fees/Dues: Nearly all condos belong to Home Owners Associations (HOAs). Depending on the neighborhood you choose, your single-family home may belong to one as well. HOAs handle neighborhood maintenance including streetlights, pool upkeep, exterior maintenance, parks, and even security. HOA dues can range from $50ish per month up into the hundreds of dollars or even more.
  • Services: You know all those utilities and local services currently included in your rent? As an owner, you must pay for all of them separately. That means water, power, trash, sewage, recycling, internet, cable, and phone bills all get added on top of your monthly payments as well. Some cities such as Austin, Texas, also have local monthly fees separate from property taxes, usually to cover extra city features like parks.

Other Costs
The most difficult costs to calculate or plan for are maintenance costs. If your landlord currently covers bug treatments, light bulbs, paint, carpeting, landscaping and generally all other maintenance, you will need to try and estimate how much of that you’ll need to pay for in your new home. There is no one else to pitch in, so this can end up being a huge additional cost.

So, How Do I Buy a Home Safely?
First, find yourself a good agent. A well-qualified agent who is familiar with your area and property needs can help you figure most of these costs. All you must do is ask. If your agent is unable or unwilling to help you plan for these, find yourself a new agent.

Ask your agent today if they can help you put together a true cost budget for each of the homes you’re interested in, that way you can make the best-informed decision. 


41 Delano Ave, Revere, MA 02151

Single-Family

$370,000
Price

6
Rooms
4
Beds
1
Baths
The perfect invitation to homeownership is found in this delightful Point of Pines gem! The desirable Point of Pines location places your own private beach just steps away, plus you will enjoy easy access to Route 1A. Inside you'll find 6 spacious rooms and an inviting, free-flowing layout that features an oversized living room with cozy fireplace, formal dining room with lovely built-in china cabinet and nicely sized, sun-splashed kitchen, complete with terrific cabinet space, island and pantry for storage. There is also the added bonus of a sunroom also found on the 1st level. Four flexible bedrooms await upstairs and may be used as you wish, plus you will enjoy a full tiled bath. There is an approx. 14'x10' deck that overlooks the fenced yard with patio, perfect for summertime BBQs. Also boasts 3 car off-street parking. If it's your dream to live by the ocean, then you won't want to let this offering pass you by -- act today!
Open House
Saturday
January 12 at 11:00 AM to 1:00 PM
Cannot make the Open Houses?
Location: 41 Delano Ave, Revere, MA 02151    Get Directions

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41 Delano Ave, Revere, MA 02151

Single-Family

$370,000
Price

6
Rooms
4
Beds
1
Baths
The perfect invitation to homeownership is found in this delightful Point of Pines gem! The desirable Point of Pines location places your own private beach just steps away, plus you will enjoy easy access to Route 1A. Inside you'll find 6 spacious rooms and an inviting, free-flowing layout that features an oversized living room with cozy fireplace, formal dining room with lovely built-in china cabinet and nicely sized, sun-splashed kitchen, complete with terrific cabinet space, island and pantry for storage. There is also the added bonus of a sunroom also found on the 1st level. Four flexible bedrooms await upstairs and may be used as you wish, plus you will enjoy a full tiled bath. There is an approx. 14'x10' deck that overlooks the fenced yard with patio, perfect for summertime BBQs. Also boasts 3 car off-street parking. If it's your dream to live by the ocean, then you won't want to let this offering pass you by -- act today!
Open House
No scheduled Open Houses

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401 Lewis O Gray, Saugus, MA 01906

Condo

$425,000
Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Rarely available end unit at the desirable Sheffield Heights. 3 finished levels of living area. The 1st level has a kitchen with a brand new stove, an open effect dinning/ living room combo with access to a private patio. The 2nd level entertains 2 bedrooms, ample closets, and a full bath that can be accessed through the Master bedroom as well as the hall. Master bedroom also has a private vanity and dressing room. The 3rd level is a large finished walk up attic with lots of sunlight that can be used for a home office/ den or many other possibilities. This property may need updating but at this price you can personalize it to be your very own. First showing at Open House on January 5th from 11:30-1:00PM
Open House
Saturday
January 12 at 11:30 AM to 1:00 PM
More Open Houses
Cannot make the Open Houses?
Location: 401 Lewis O Gray, Saugus, MA 01906    Get Directions

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