Millennium Realty



Posted by Millennium Realty on 2/20/2020

Selling a home may prove to be difficult, particularly for individuals who strive to maximize their day-to-day productivity. In many instances, the time and costs associated with listing a home, promoting it to potential buyers and performing other home selling tasks can add up quickly. But if you know how to act as a productive home seller, you should have no trouble maximizing the time and resources at your disposal.

What does it take to become a productive home seller? Here are three tips to help you maximize your productivity throughout the home selling process.

1. Remove Clutter

Clutter will only slow you down during the home selling cycle. As such, you'll want to do everything you can to minimize clutter prior to listing your residence.

Artwork, photographs and other personal mementos in your home should be placed in storage until you sell your residence. That way, you can free up space in your house, as well as make it easy for homebuyers to envision what life might be like if they acquire your residence.

Also, if you have items that you no longer need, don't hesitate to sell or donate these items. And if you own items that are broken or damaged, you should dispose of these items altogether.

2. Understand the Home Selling Process

When it comes to the home selling process, it pays to be diligent. If you understand what to expect before you list your house, you'll be better prepared than ever before to handle any home selling challenges that might come your way.

Furthermore, think about the buyer's perspective during the home selling cycle Ė you'll be glad you did. A homebuyer wants to find a home that delivers exceptional value. As a home seller, you'll want to do whatever you can to show a buyer that your house is the ideal choice.

For home sellers, it pays to consider what you'll need to do to promote your house to the right groups of potential buyers. If you plan ahead and learn about the home selling process, you can make informed choices that may help you get the best price for your residence.

3. Collaborate with a Real Estate Agent

A real estate agent is committed to client satisfaction, and as a result, will go above and beyond the call of duty to help you maximize your productivity. This housing market professional will offer expert recommendations throughout the home selling journey to make it simple to achieve your desired results. Plus, he or she will set up home showings, keep you up to date about offers on your house and much more.

It helps to hire a real estate agent who understands the ins and outs of the housing market in your area. With this real estate agent at your side, you can quickly and effortlessly navigate the home selling cycle.

Stay productive as you sell your house Ė use the aforementioned tips, and you can increase the likelihood of a quick, seamless home selling experience.




Categories: Uncategorized  


Posted by Millennium Realty on 2/13/2020

Photo by Christian Heitz via Pexels

Sometimes, small town life is just what you crave. If you’re considering a move and want a community with that feel, there are several in the East Coast that deliver it beautifully. From New York to Pennsylvania, here are some of the top small towns that you need to see for yourself.

1. Thomas, West Virginia

The beautiful Main Street of Thomas, West Virginia, is the highlight of life here. With a population of just around 600, this is the essence of a small town. Its location in the Allegheny Mountains means beautiful views from nearly every corner. You’ll love the vintage record store, coffeehouse, brewery, and many antique shops, as well as the quiet that comes from living in a historic mountain community.

2. High Falls, New York

If life is taking you a bit farther north, consider this town of 627 people. High Falls has the vintage stores you expect in a small town, and also has a growing list of attractions for foodies. Get your fill of comfort food at Kitchenette, a popular local restaurant, and enjoy life in a town where you can truly know all of your neighbors, and know them well.

3. North Adams, Massachusetts

If you’re looking for small-town living but want something a little larger than 600 people, consider North Adams, Massachusetts. With a population of over 13,000, it offers quite a bit more in terms of amenities, but it still maintains a small-town feel. This community is home to the Massachusetts Museum of Contemporary Art, and since the museum’s opening it has grown into a cultural center in the state. Artists feel right at home, and art lovers will appreciate the many galleries that showcase the work of local talent.

4. Lititz, Pennsylvania

Home to just over 9,000 people, Lititz, Pennsylvania, calls itself the coolest small town in the country. Residents appreciate the mature trees that line its streets, and visitors come to shop at antique shops and boutiques while dining at exceptional restaurants. Only in Lititz can you cozy up to an old soda counter and order your latte in old-fashioned style.

5. Stowe, Vermont

If you’re going to visit Stowe to check it out, visit in the fall. Brilliant colors make this small community in the Green Mountains transform into an artist’s paradise. You’ll also appreciate the boutiques for shopping and the locally-owned restaurants. Stowe has a population of around 4,400 people, so it’s not a tiny town, but not overly large either.

Whether you’re looking for a tiny, tranquil community or one that’s on the smaller side, but still large enough to offer some amenities, you’ll find something to fit your needs along the East Coast. Check out these five, and figure out where you feel at home.




Tags: Travel   small town   relocation  
Categories: Uncategorized  


Posted by Millennium Realty on 2/12/2020


2 Glenridge Rd, Sturbridge, MA 01566

Single-Family

$305,000
Price

6
Rooms
3
Beds
1/1
Full/Half Baths
Welcome to 2 Glenridge Road! This charming country home features 3 bedrooms and 1.5 bathrooms. Enjoy your morning coffee on your back deck that overlooks the stream in your backyard. Full walk out basement is a great work space! Offset your heating costs and become more energy efficient with leased solar panels. Love music and/or movies? Surround sound hook-up in the living room will make it all sound great!
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Millennium Realty on 2/12/2020


22 Boudreau Ave, Marlborough, MA 01752

Single-Family

$315,000
Price

6
Rooms
3
Beds
2
Baths
Welcome to 22 Boudreau Ave! This bright and sunny home features 3 bedrooms and 2 full bathrooms. With brand new carpeting, new flooring & fresh paint, this home is just waiting for you to move in and add your finishing touches! Ample parking and a large back yard are perfect for entertaining! Front porch area is being re-done and will be complete soon. The city also recently installed new water & sewer pipes and repaved the roadway. This house is a must see and will go quickly! Don't hesitate - schedule your showing today!
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Millennium Realty on 2/6/2020

You know when you buy a home that your credit score matters, but do you see all of the numbers that matter to your financial picture when youíre buying a home? Your debt-to-income ratio is one of the most critical figures that will influence if you can get a mortgage and what type of rate you can get. 


What Is A Debt-To-Income Ratio?


This number is exactly what it states: the ratio of debt divided by your gross monthly income. Your credit report doesn't include any of this income information. This number is actually the best way to see if youíre living within your means or not. This way, your lender will know your monthly debt payments along with your monthly income.  


If your ratio of debt is high, you may not get a loan or get less desirable interest rates than if you had lower amounts of debt. Even if you have a high credit score, your debt-to-income ratio could affect these things. In reality, a higher debt ratio will make it harder for you to pay back your debt, so itís important to you. 


How Itís Calculated


You can use an online tool to help you calculate your debt-to-income ratio. You can also use a simple formula if youíre up for doing some math yourself:


Divide your monthly debt payments by your monthly gross income then multiply that number by 100. For example:


Student loans: $400

Car loan: $300

Rent: $700

Income: $4,000 


1400/4000= 0.35 x 100= 35%


Household Ratio


You should also be aware of something called your household ratio. The household is the amount of home-related expenses which includes property taxes, prospective mortgage, home insurance, and more. These costs are divided by your monthly income to get this ratio as well. Obviously, your household debt adds to your financial commitments and is also put into consideration by your lender.    



Whatís A Good Debt-To-Income Ratio?


Itís ideal that you keep your ratio less than 36%. Your household ratio should be even lower than this. Itís great to be debt free, but in the real world, thatís not always possible. Your best bet is to be responsible with your finances and work on paying your debt down as much as you can. Then, little by little all of the critical numbers that are required to get a mortgage will fall into place.  

    








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