Kimberly Allen Team - Real Living Realty Professionals



Posted by Kimberly Allen Team on 5/24/2020

Home appraisals are an important part of the buying and selling process. Lenders use appraisals to make sure that the home is worth what the borrower is paying. A homeís appraisal value is based on a number of factors, all of which weíll discuss in this post.

Whether youíre a buyer, seller, or are just learning about the process of buying a home so youíll be better equipped in the future, this article is for you.

How is a home appraisal different from an inspection?

While home appraisals and inspections are performed by licensed or certified professionals, they have to different functions. An inspection ensures the safety of a home, as well as whether or not it will need repairs in the immediate or near future.

Appraisals, on the other hand, aim to value a home based on its property value, the size of the property, and the location of the property. The condition of the home is a factor in valuing a home, which is why some people confused appraisals with inspections.

Who pays for appraisals?

Like most closing costs, a home appraisal is a burden that falls on the buyer. Typically, the lender you choose will work with will actually order the appraisal. The cost, which usually amounts to a few hundred dollars, can be added to your closing fees. You can find the cost for an appraisal listed on the Closing Disclosure document provided by your chosen lender.

Which factors determine the homeís value?

To appraise the house itself, appraisers will look at the condition of the home. Theyíll also weigh the features of the home in their valuation--things like the number of bedrooms and bathrooms, for example.

However, the two key characteristics of a home that contribute to its value are its age and size.

Which external factors contribute to the homeís value?

As you might suspect, the location of your home matters greatly when it comes to appraisals. Homes are appraised based off of average prices for their neighborhood and region.

Other location factors include how accessible the home is, if itís located on a waterfront, and whether it has desirable views.

When does a home get appraised?

While your experience may vary based on your specific circumstances, most appraisals occur after a buyer has signed a purchase contract. One this is done, the lender will take the steps necessary to order and process the appraisal.

How long is the home appraisal process?

Once the buyer has signed a purchase contract, the appraisal is usually completed and processed within 7 days. The appraisal report will be sent to the lender. This report contains the appraised value of the home. Buyers are entitled to a copy of this report, and should keep one for their own records.




Tags: Buying a home   appraisal  
Categories: Buying a Home   appraisal  


Posted by Kimberly Allen Team on 5/22/2020


139 S Martin St, Holyoke, MA 01040

Single-Family

$197,000
Price

6
Rooms
3
Beds
2
Baths
***Financing Fell-Through*** Up for grabs!!! Cozy Colonial, situated on dead end street, has new fencing installed around good sized yard for ultimate privacy. New bathroom on lower level. Living room has working fireplace. Covered patio connected to dining room area. Upper level has 3 bedrooms. Bathroom includes jetted spa style tub. Newer washer and dryer, deep freezer, along with all appliances to stay for new owners.
Open House
Sunday
May 24 at 11:00 AM to 1:00 PM
Please text 401-533-0242 to schedule your 10 minute tour. Limit viewings to 2 people.
Cannot make the Open Houses?
Location: 139 S Martin St, Holyoke, MA 01040    Get Directions

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Categories: Open House  


Posted by Kimberly Allen Team on 5/19/2020


472 Burnett Road, Chicopee, MA 01020

Business Opportunity

$30,000
Price

20
Parking Spaces
1.24
Lot Size
WOW! Here it is! A VERY WELL ESTABLISHED Salon & Spa is ready for a new owner. Daily traffic count is over 10,000 vehicles. This salon has it all!v 8 Stations! Hair styling, color & Retexturing, Keratin Complex Treatment, Laser Pulse Machine, Waxing, Hands & Feet, Facial Skin Treatments, Make-Up Applications, Eyelash Extensions, Reiki, Sea Mud Treatments and Steam Shower. Fully stocked inventory, about 2,000 sq.ft with 4-private rooms, 2 baths and office. The current staff wish to stay. Don't let this one pass you by. Excellent visibility and opportunity for owning and working in your salon. Call today for your private tour.
Open House
No scheduled Open Houses






Categories: Price Change  


Posted by Kimberly Allen Team on 5/17/2020

Photo by Hermes Rivera on Unsplash

After a long day at work or running errands, wouldn't it be nice to walk in the door and have a healthy and hot meal waiting for you? Even better -- how about a meal that can be cooked in one pot, so that cleanup is a breeze?

This macaroni and cheese slow cooker dish is that meal. It's very easy to make. You won't even have to boil the pasta ahead of time. All you'll need to do is toss everything into a crock pot and allow the macaroni and cheese to slowly cook for approximately three to four hours. This is a perfect recipe if you work near your home and can stop by on your lunch break to get this meal started.

And while most people really love a good homemade macaroni and cheese, we do understand that it can feel a bit sinful and heavy at times. That’s why we prefer this lighter, healthier version that still gives you all the warm, cheese-y goodness found in tradition mac and cheese.

Some of the healthier changes we've made to this recipe to include using a mixture of cauliflower florets and high-fiber elbow macaroni in place of regular pasta. When slow cooked in a crockpost, the cauliflower florets develop a texture that is very similar to pasta. Do you have vegetable-phobic eaters in your family? No worries. Your picky eaters may not even notice the mild-tasting cauliflower since it will be enveloped in cheese.

This recipe makes approximately six servings.

Ingredients:

12 ounces high-fiber elbow macaroni

1 cup finely chopped cauliflower florets

3 cups sharp shredded cheddar cheese, divided

2 1/2 cups low-fat milk

1 can (12 ounces) evaporated milk

Salt and pepper to taste

Optional: 1 to 2 jalapenos, seeded and minced

Directions:

  1. Add the pasta, florets, half the cheese, the milk and evaporated milk into a crock pot.
  2. Stir the ingredients until well mixed.
  3. Set your crock pot on its low setting and allow the ingredients to cook for approximately three to four hours. If you will be home, you may want to give the ingredients a stir at about the two-hour mark.
  4. Check your macaroni and cheese after three hours to see if most of the liquid is absorbed. If so, sprinkle the rest of your cheese over the top of your dish.
  5. Allow the mixture to cook for another 15 to 25 minutes or until the cheese is melted and the liquid has been absorbed.
  6. Add salt and pepper to taste.

Optional: If you prefer your macaroni and cheese to be spicy, you can add the sliced jalapenos for a bit of a zingy pop.




Tags: Cooking   Dinner   meal planning  
Categories: Food  


Posted by Kimberly Allen Team on 5/10/2020

If you ride through the suburbs of America, youíll likely notice that the houses just seem to get bigger and bigger. Like our taste for large trucks and SUVs, Americans tend towards the idea that bigger is better.

On the opposite end of the spectrum are people who feel quite the opposite. From this minimalist mindset has emerged the ďtiny house.Ē What exactly is a tiny house?

There is no exact definition. However, most tiny houses are built on wheels--to adhere to local building code--and typically donít exceed 500 square feet in size.

You might be thinking thatís a bit extreme. And you wouldnít be alone--Americans have taken advantage of small homes in the form of modular homes, and cottage-style houses for decades.

With the cost of heating and powering a home rising year after year, itís beginning to make sense to downsize.

So, in this article weíll talk about what it means to live in a smaller home to help you decide whether itís a good choice for you.

Barriers to building small houses

If itís your dream to someday build a small house on a hilltop in your hometown, you might have to face-off with the local zoning committee first. Some of the biggest barriers to building smaller houses are local regulations involving minimum house sizes.

This isnít a new problem, with towns struggling with the idea of minimum square footage as far back as the 1970s. In spite of this barrier, small house and tiny house proponents have been finding loopholes.

One such workaround involves simply building your house on wheels. However, that isnít easy to do and it doesnít always look great either.

Living simply

Depending on your hobbies and philosophy, living in a small house can be a good or a bad thing. Those who seek to become more minimal in their belongings often find that small houses help them achieve this.

The more things we own the more we have to worry about storing and maintaining them. However, if you value experiences more than objects, living in a small house could save you money and therefore leave you with more funds for traveling and other experiences.

Family is another thing to consider when living in a small house. If you have a large family or pets, living in a small house can be difficult. However, there is something to be said about growing up in a small house (it makes it harder for kids to avoid their parents by playing video games in their room or the basement!).

How to decide if you can manage living in a small house

If youíre downsizing from a larger home it can be scary to lose all of that extra space you were used to. There are a few ways to see if you can adapt to a smaller home, however.

You could rent a small apartment while you search for a new home. This will allow you to acclimate yourself to living in a smaller environment.

If you donít want to go through the trouble of signing a lease, thereís always renting a small property through AirBnB or a camping cottage for a few weeks. Then youíll have time to notice what you like and dislike about the smaller space and will be able to plan for how to want to deal with those changes if you decide to move into a smaller house.




Categories: tiny house   small house   small home  




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