Jamie Dee Frontiero - Coldwell Banker Residential Brokerage



Posted by Jamie Dee Frontiero on 4/21/2019

Obtaining a mortgage can be overwhelming, particularly for a first-time homebuyer. Lucky for you, we're here to help you streamline the process of analyzing various mortgage options and choosing one that matches or exceeds your expectations.

Now, let's take a look at three tips to help first-time homebuyers secure the ideal mortgage.

1. Assess All of the Mortgage Options at Your Disposal

Both fixed- and adjustable-rate mortgages are available, and homebuyers who understand the pros and cons of these mortgage options may be better equipped than others to make the right mortgage decision.

A fixed-rate mortgage ensures a homebuyer will pay the same amount each month. For example, a 30-year fixed-rate mortgage enables a homebuyer to budget for monthly home payments over the course of three decades. And in many instances, a homebuyer may be able to pay off a fixed-rate mortgage early without penalty.

On the other hand, an adjustable-rate mortgage may start out with a lower monthly payment that escalates over the course of a few years. An adjustable-rate mortgage, for instance, may allow a homebuyer to acquire a home that surpasses his or her initial budget thanks to a lower initial monthly payment. However, after the first few years, the monthly mortgage payment may increase, and a homebuyer will need to plan accordingly.

Assess your mortgage options closely – you'll be glad you did. By doing so, you can boost your chances of selecting a mortgage that works well based on your current and future financial needs.

2. Evaluate Your Credit Score

Believe it or not, a first-time homebuyer's credit score may impact his or her ability to get the right mortgage. Fortunately, a first-time homebuyer can analyze his or her credit score without delay.

You can request a free copy of your credit report annually from each of the three credit reporting agencies (Equifax, Experian and TransUnion). Then, with your credit report in hand, you can better understand how potential lenders may view your mortgage application.

Of course, if you receive a copy of your credit report and find glaring errors, be sure to let the credit bureau know immediately. This will enable you to get any mistakes corrected and ensure these problems won't slow you down as you pursue your dream residence.

3. Consult with Potential Lenders

Although getting a mortgage may seem like an uphill climb at first, consulting with potential lenders may prove to be exceedingly valuable, especially for a first-time homebuyer.

Banks and credit unions employ friendly, knowledgeable staff who are happy to educate you about assorted mortgage options. These lenders can teach you about the ins and outs of various mortgage options at your convenience.

Lastly, if you need extra help in your search for the perfect mortgage, real estate agents may be able to offer assistance. These housing market professionals can provide honest, unbiased recommendations about lenders in your area so you can move one step closer to securing your ideal mortgage.

Ready to get a mortgage for the first time? Use these tips, and you can accelerate the process of obtaining a mortgage that suits you perfectly.




Tags: Mortgage   Buying a home  
Categories: Uncategorized  


Posted by Jamie Dee Frontiero on 4/14/2019

A porch is a lovely way to enjoy the outdoors. One of the best ways to maximize your outdoor time is to screen in these indoor/outdoor areas. You can completely transform your outdoor sitting area to an additional living area by enclosing your porch. 


Once the enclosure is set, what was simply an outdoor oasis will become an extension of your home. You’ll be able to decorate the room just as you would with any other part of the house.


Benefits Of A Screened In Porch Include:


  • Ability to enjoy the space in all weather
  • A place to entertain in all weather conditions
  • A shady spot in warmer temperatures
  • A way to keep pests like mosquitoes and flies out
  • Easy to maintain
  • Added value to your home
  • A way to maximize the use of all the areas of your home


Mother Nature can be unpredictable. If you enjoy being outdoors and you like entertaining, screening in your porch or deck can be one of the best improvements that you could make to your home. You can entertain without worry rain, wind or shine. You won’t need any fancy bug repellents, candles, or sprays to keep pests away. Screened in areas make life easier.  


What To Consider When Building An Enclosed Porch


Designing a porch enclosure can be tricky. You want it to look natural as if it has always been a part of the home. Done right, a screened in porch can be a beautiful addition to your home and really add to the overall look of the house. There are so many types of technology available today that you can bring all of the modern comforts with you to your season room. The screened in portion of the room will give you the best of both worlds. You can enjoy the sun with some built-in shade. You can use the room throughout the year, and you may even be able to add a heating system to the space for even more enjoyment. Don’t be hesitant to add a screened in enclosure if you really love the outdoors as it can only enhance your experience. 


The most important thing is that the enclosure is built with quality materials that match your home. The stronger the material, the more value the space will add to your home. You also want a durable material that will be low maintenance. The materials used shouldn’t be susceptible to warping or rotting. All you should worry about once a porch is screened in is caring for that room as you would any other room of the house.               

  






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Posted by Jamie Dee Frontiero on 4/7/2019

Bring new life to your bedroom without completely redirecting. When we are tired of our existing decor it can feel like we need to start completely from scratch to obtain a whole new look. But before you begin hauling off your bed frame to the second-hand shop consider these small changes first: 

Add a variety of textures via linens, upholstery, accents. Look for soft items made up of furs, textured weaves, linens, and velvet. Add interestingly woven baskets, stone, glass and polished wood. This mix will work together to create a visually interesting dynamic no matter the color palette of your room.

Install a different style of window treatments. Let more light into a room with sheer panels. Whites and creams always make for a classic look. However, if you are looking to really shake things look to other colors either as a solid or in patterns. A popular trend at the moment is upgraded solid panels. From patterns to bamboo and even embellishments you will have plenty of options to create unique-to-you treatments.

Create a statement wall without making a commitment with removable wallpaper. Since they are peel and stick they are easier to install than traditional wallpaper. They also give you the freedom to go bold with your pattern or color of choice. So why not reach for the more daring print?

If you want to add a bold print but wallpaper isn’t for you find a pattern you love on a duvet cover. They are easy to swap out as much as you’d like and can also be a great way to add more texture to your space. For example, you could add a pintucked satin or an inviting quilt with a pattern sewn throughout. It will certainly take center stage and make a statement as the focal point of the room.

Create more light in your space by installing a large mirror. Hung or leaning against a wall it helps to open up the room and allow light reach more of the room. If you have several closet doors consider installing mirrors as paneling for a chic, new look. Or create ambiance with paper lanterns. They create a soft, calming light that is perfect to read by at the end of the day.

Since these changes are so easy to make, some a matter of a few minutes, you can create subtle changes throughout each season. Swap out decorative pillows and throws, for example, for patterns and hues that still match your existing decor but better suit the mood of the season. Darker hues paired with creams and beiges create a cozy space in winter with creams or beige. And brighter cheery hues against a crisp white pop and bring energy into the room for Summer.




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Posted by Jamie Dee Frontiero on 3/31/2019

Many of us will move home several times throughout our lives. Whether it’s relocating for work, needing a bigger house for children, or a quiet place to retire to, it’s likely that the home you live in now won’t be yours forever.

 As a result, many homeowners wonder what they can do to ensure their home will have a high resale value when the time comes to move on.

 The good news is that there are a lot of things you can do now that will give you a good return on investment when it comes to selling your home later. However, there are a few factors that affect a home’s valuation that are out of your control. We’ll talk about all of those factors below. So, read on for a list of the factors that affect your home’s resale value.

 The age of your home

Your house may not complain about it, but it isn’t getting any younger. Homes tend to slowly decrease in value over time. A home built in the late 1970s, even if it’s well taken care of, most likely won’t sell for the same price as a 15-year-old home.

There is one exception to the rule, however, and that is historical houses. Homes that are a century old can sell for top dollar because of the craftsmanship and history that the house contains.

Admittedly, this is a niche market, as many people just want a safe and efficient home to live in. However, there are some homebuyers who will put in a bit of extra work around the house for the chance to live inside of a piece of history.

Smart renovations

When you’re upgrading your house it’s important to remember how that upgrade will pay off years down the road. Some renovations will almost always give a good return on investment such as a finished basement or attic and improving efficiency via added insulation or replacing windows.

Renovations that match a very specific decorative taste or style could come back to haunt you. This includes bathroom sinks, kitchen cabinets, countertops, and other expensive projects that are subject to the next owner’s taste. While these upgrades can give a good return on your investment, they’re more likely to be successful if they fit the current trends of style and craftsmanship.

Neighborhood and town

One of the factors of home valuation that you have little control over is the town and neighborhood the house is located in. If there are closed down businesses, foreclosed and deteriorating homes then potential buyers might be turned off to the neighborhood.

Similarly, the town you live in has a lot to do with how much people are willing to spend. If you have easy access to interstate highways and large cities, highly rated schools, and good local infrastructure, then buyers are likely to take these into consideration when making an offer, as the average cost of a home in your town is likely higher than some surrounding towns.




Tags: home   resale value   valuation  
Categories: Uncategorized  


Posted by Jamie Dee Frontiero on 3/24/2019

Tired of renting an apartment? Buy a house, and you can reap the benefits of homeownership for years to come.

Ultimately, there are many wonderful reasons to start a search for your dream home today, including:

1. You can enjoy the freedom of owning your own residence.

Let's face it – nothing beats the freedom of owning your own residence, and perhaps it is easy to understand why.

If you launch a search for your own house, you can find a residence that matches your personality and budget. Plus, you can always decorate and customize your house however you choose. And if you complete myriad home upgrades or maintenance, you may be able to boost your house's value – something that may prove to be important if you eventually decide to sell your residence.

2. You can capitalize on various tax benefits.

Believe it or not, buying a house may enable you to reap myriad tax benefits.

The U.S. Tax Code allows homeowners to deduct the interest paid on a mortgage and property taxes. Also, if you study the U.S. Tax Code closely, you may find that you can deduct some of the costs involved in a home purchase.

3. You can pay predictable housing costs for a set period of time.

With a fixed-rate mortgage in hand, you can pay the same amount each month for the duration of your mortgage. This means you won't have to worry about fluctuating housing costs; instead, you'll pay the same total each month – without exception.

Of course, homebuyers who choose an adjustable-rate mortgage can enjoy fixed housing costs for a set amount of time too. On the other hand, those who select an adjustable-rate mortgage likely will need to plan ahead for a potential increase in mortgage costs after three, five, seven or 10 years.

Clearly, there's a lot to like about buying a house. For those who want to enter the housing market today, it certainly helps to work with an experienced real estate agent as well.

A real estate agent allows you to take the guesswork out of pursuing a residence in any housing market, at any time. In fact, this housing market professional will ensure you can streamline the process of going from homebuyer to homeowner.

In most instances, a real estate agent will keep you up to date about new houses as they become available, teach you about the ins and outs of shopping for a residence and set up home showings. Furthermore, a real estate agent will negotiate with home sellers on your behalf, guaranteeing that you can get the best price on any house.

Perhaps best of all, a real estate agent is available to respond to any homebuying concerns or queries. This means you can get the expert insights that you need to make informed decisions at each stage of the homebuying journey.

Take the next step to pursue your dream residence – employ an experienced real estate agent, and you should have no trouble transforming your homeownership dream into a reality.




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