Titine Joyce - Coldwell Banker Residential Brokerage - Scituate



Posted by Titine Joyce on 12/13/2018

Do you ever look at pictures of dream homes online and wonder what yours is missing? The answer probably lies in a cohesive design style. All homes are built around architectural and design principles. Whether you realize it or not, there are probably at least two or three interior design styles that would perfectly complement your homeís architecture, giving it that dream houseĒ appearance that we all wish we could achieve.

In todayís post, Iím going to cover some of the top interior design styles, from time-tested classics to contemporary trends that are sure to stick around for decades to come.

Mid-century modern

Minimal, but not barren. Reserved, but not sterile. Mid-century modern, as the name suggests, began to take shape in the mid 1900s. Youíve probably seen mid-century decorations dozens of times, especially if youíre a fan of TV shows like Mad Men.

Mid-century furniture has some of the most creative, while still tasteful shapes and textures. Egg-shaped chairs and wide, minimal sofas are highlights of this style. However, one of the most defining features is the use of wood. Exposed wood in furniture, floors, walls, and ceilings give the home a warm and cozy feeling in spite of its modern decoration. It really is all about balance.

Industrial

One of todayís most commonly used design trends, especially in urban areas, is the industrial home. Industrial homes use a great deal of white, stainless steel, and classic red brick to give the home a factory vibe.

While this may seem off-putting, once you see an industrial home youíll immediately recognize the appeal. Industrial design appears clean well put-together. With the use one or two bold colors, itís also easy to showcase fun decorations that are used sparingly throughout the home.

Shabby chic

A more recent design trend, shabby chic, takes influence from a number of other trends over the years, combining them into something that is both cozy and clean.

Most people associate shabby chic with vintage items painted white and then stuck into a corner somewhere with fairy lights dangling off of it. And, while this style does leave room for fun lighting and getting creative with paint, itís core really lies in repurposing items whose era has gone by and giving them new life.

Contemporary

Contemporary design is what we call the amalgamation of todayís design trends that have yet to be identified as a particular style. At one time, mid-century modern was contemporary. And, someday, todayís style will be given another name and its place in the interior design history books.

Contemporary design uses modern principles but take some artistic liberty. Curved lines, and patterns that may be seen as too noisy for modern design find a home in contemporary styles.

Similarly, furniture choices are geared more toward comfort than aesthetics, making contemporary a more livable alternative to modern styles.




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Posted by Titine Joyce on 12/6/2018

Getting a mortgage is one of those things that everyone seems to have quite a bit of advice about. While people surely have good intentions, itís not always best to take the buying advice of everyone you meet. Below, youíll find the wrong kind of mortgage advice and why you should think twice about it. 


Pre-Approvals Are Pointless


Getting pre-approved for a mortgage can give you an upper hand when it comes to putting in offers on a home. Even though a pre-approval isnít a guarantee, itís a good step. It shows that youíre a serious buyer and locks you in with a lender so they can process your paperwork a bit more quickly when you do want to put an offer in on a home. 


Use Your Own Bank


While your own bank may be a good place to start when it comes to buying a home, you donít need to get your mortgage from the place where you already have an account. You need to compare rates at different banks to make sure youíre getting the best possible deal on a mortgage. Youíll also want to check on the mortgage requirements for each bank. Different banks have different standards based on down payment, credit scores and more. Youíll want to get your mortgage from the bank thatís right for you and your own situation. 


The Lowest Interest Rate Is Best


While this could be true, itís not set in stone. A bank with a slightly higher interest rate could offer you some benefits that you otherwise might not have. If you have a lower credit score, or less downpayment money, a bank offering a higher interest rate could be a better option for you. Low interest rates can have some fine print that might end up costing you a lot more in the long term. Do your research before you sign on with any kind of bank for your mortgage. 


Borrow The Maximum


Just because youíre approved for a certain amount of mortgage doesnít mean that you need to max out your budget. Itís always best to have a bit of a financial cushion for yourself to keep your budget from being extremely tight. When life throws you a curveball like unexpected medical bills or a job loss, youíll be glad that you didnít strain your budget to the end of your means. Even though the bigger, nicer house always looks more attractive, youíre better off financially if youíre sensible about the amount of money you borrow to buy a home.




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Posted by Titine Joyce on 11/29/2018

Selling a house may prove to be a high-pressure situation, particularly for an individual who is listing a residence for the first time. However, if you share your home selling plans with family members, friends and other loved ones, you may be able to receive additional support throughout the home selling journey.

Ultimately, there are many reasons to inform your loved ones about your plans to sell your house, and these reasons include:

1. You can respond to any concerns or questions before you finalize your home selling decision.

Loved ones have your best interests in mind, and as such, they probably are unafraid to tell you exactly what they think and how they feel. Therefore, it may be beneficial to tell your loved ones about your intention to sell your house, as you'll be able to receive unbiased feedback about your decision.

Although loved ones might not always agree with your decision to sell your home, it is paramount to open the lines of communication with them. And if you tell loved ones about your plans to sell your house, you can clear the air with them before you list your residence.

2. You may be able to gain extensive home selling insights.

In many instances, loved ones may have sold a house in the past, and you may be able to learn from their prior home selling experiences.

Loved ones may provide you with home selling insights that you might be unable to obtain elsewhere too. Then, you can use these insights to increase the likelihood of a successful home selling experience.

3. You can take the first step to promote your house to potential buyers.

Loved ones can help spread the word about your house to dozens of potential buyers. Thus, if you give loved ones advanced notice about your home selling plans, you may be better equipped than ever before to stir up significant interest in your house.

Of course, once your house is listed, it usually is a good idea to share your home listing with loved ones as well. Loved ones then can share your home listing with co-workers, friends and others, thereby improving your chances of a fast, profitable home sale.

As you get ready to list your residence, you also may want to seek out a real estate agent. Because if you employ a real estate agent, you can get the expert help you need to accomplish your home selling goals.

A real estate agent understands the ins and outs of the housing market and will help you put together a successful home selling strategy. This housing market professional can help you showcase your residence to interested buyers. Perhaps best of all, a real estate agent is happy to respond to any of your home selling concerns or queries throughout the home selling journey.

Want to achieve the optimal results when you list your house? Collaborate with your loved ones Ė and a real estate agent Ė and you should have no trouble getting the best price for your residence.




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Posted by Titine Joyce on 11/15/2018

Your credit score is a fundamental component of a mortgage lenderís decision to approve you for a loan. It can also affect the interest rate and loan amount you can secure.

Along with your income history and down payment, a solid credit score is one of the three most important things youíll need when it comes to buying a home.

Credit scores themselves, however, can be a complicated business. And finding out what score you need to buy a home and how to achieve that score can also be a complex topic.

So, in this post weíre going to break down some credit score basics as they relate to buying a home.

Types of credit scores

You may have heard of the three main credit bureaus, TransUnion, Experian, and Equifax. Each of these bureaus keeps a detailed credit history for everyone in America (except for those who have yet to open a line of credit or take out a loan).

Since each credit bureau may have slightly different information available data to draw from, your credit scores from each company may vary.

However, when it comes to buying a home, most lenders use a standard scoring model called a FICO score to ensure that all mortgage applicants are treated fairly when they seek a loan.

Things are further complicated by the fact that there are several different FICO scoring models designed for different types of credit. So, if youíve seen your FICO score when applying for an auto loan, it may be a different score than you will see when applying for a mortgage.

Build credit; raise your credit score

All of the types of credit scores and scoring models can be confusing. But what you mostly need to worry about is how to boost your score.

Your credit score will be based on five main factors:

  1. Making on-time payments

  2. The percentage of available credit (not maxing out your cards)

  3. Having diverse types of credit (auto loans, student loans, credit cards, etc.)

  4. Not opening new lines of credit frequently (a red flag that youíre struggling financially)

  5. The length of your credit history, or how long youíve been consistently paying your bills

What score do you need to buy a home?

There are several different mortgage types available for buyers. First-time homeowners, veterans, people seeking to buy a home in a rural area, and any other number of circumstances can help you qualify for mortgages even if you have a low credit score.

A general rule, however, is that itís always better to apply for a mortgage with a high credit score to help you secure the best possible interest rate. 

Some programs do have minimum credit scores that they will accept for a mortgage. FHA loans are one common example. The Federal Housing Authority guarantees loans for people across the country who are hoping to buy their first home (or who havenít owned a home in the last three years). Their guarantee is what enables lenders to safely approve mortgages for borrowers with low credit scores. The current requirement for an FHA loan is a credit score of 580 or higher for a mortgage with a 3.5% down payment. You can secure an FHA loan with a lower credit score, but youíll have to make a larger down payment.


There are several other options available for hopeful homeowners when it comes to mortgages. But, if you arenít planning on moving in the next few months and your credit score could use some work, now is the time to start focusing on building credit.





Posted by Titine Joyce on 11/9/2018

LOCATION! LOCATION! Oversized 4 bedroom home on a cul de sac in wonderful Bulrush Farm neighborhood, close to beaches and the T. Large sunny rooms including spacious Living Room with full brick gas fireplace and elegant dining area, built-ins and full windows taking in the bucolic setting. Eat-in Kitchen with lots of light and room to settle in. Beautiful hardwood floors in all the bedrooms. Huge open Family Room in the lower walk-out level with built-ins, ready for endless activities. Lots and lots of storage space. Updates include newer roof, 200 amp electrical, many updated windows and storm doors, septic system, and more(see complete list of updates). Title V approved. Oversized 2 car garage and plenty of room for parking. Gas line to house. Added bonus: Whole-House Generator. Landscaped grounds including a myriad of gorgeous perennials to greet you in Spring and Summer. The private back yard backs up to the marsh and conservation land. Truly a retreat!

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