Cheryl Nightingale - Monarch Realty Group, LLC

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.  Please click on this link to view the Housing Trends December 2017 Newsletter The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources.  Housing Trends eNewsletter is filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumer articles, and REALTOR.com local community reports.  If you are interested in determining the value of your home, click the “Money Picture”  for

Approaching the topic of moving a loved one from their home into an adult community or retirement home can be a tricky conversation to start; even just the transition part can be challenging. The good news is, it doesn’t have to be – if you know how to prepare. Here are some simple tactics to start a conversation with a family member and make the transition a smooth one: 1) Deciding it’s time to transition.  This might be the most sensitive part – making the decision. It will likely be the easiest on everyone if your family member comes to this conclusion on their own. More likely, though, you’ve reached a decision and your family member initially disagrees. It’s normal to wonder if you’re making the right choice – if you’re sure, a very important next step is to take action. The longer your loved one stays in their current housing situation, the more probable it is that a crisis, like a fall or other emergency, could occur and increase the urgency of the move. It will be easi

If you have elderly family members, you may already be thinking about how suitable their living situation will become in the next few years. A top question on the minds of folks in this situation is whether to remodel their current home to fit their needs or to downsize to a smaller home. Here are some key factors to explore to help you with your decision. 1) Will you earn back the upfront costs of either option? Look at both the option to remodel and to downsize and figure out what your return on investment could be. Keep in mind that most Bourne home renovations don’t pay for themselves with a higher sale price — the most you might recover from a  remodel  is approximately 80 percent of the upfront costs. When considering the costs of listing the current home for sale and moving to a smaller one in an area like Cataumet, determine if they’ll be in the new home long enough to earn back the upfront expenditures. 2) How long will it take to remodel? A home renovation is goi

If a conventional Bourne home loan isn’t an option, you may be wondering if a Federal Housing Administration (FHA) loan would be suitable for you. The FHA is a Federal government agency that was created by the National Housing Act of 1934. The FHA loan program insures loans made by banks and other private lenders.  Here are some pros and cons to FHA mortgage loans to consider: Pros: You may be eligible if you have some blemishes on your credit report. If your credit score is lower than 600, you may not qualify for a conventional loan but could qualify for an FHA loan. You can still purchase a home if you have a small down payment—around 3.5% is all you’ll need. If your mortgage payments account for a large portion of your paycheck, you could be eligible to spend up to 57% of your total income on monthly debt obligations; such as your mortgage, auto loans, child support, and credit card payments. If you sell your home, a new buyer could assume your loan, making rising in

Have you eaten at the  Chart Room  located at the  Kingsman Yacht Center  in Cataumet? The Chart Room has the perfect atmosphere to enjoy cocktails outside with stunning views of Red Brook Harbor which makes this restaurant a go to place for both visitors and locals. If you had the opportunity to dine at the restaurant, did you take a moment to glance around your surroundings?  If so, you may have noticed the beautifully constructed townhouses above you over looking the harbor. Not only are these luxury townhouses visible from Kingman Yacht Center and the Chart Room, you cannot help but notice their stature on the hill as you drive down Shore Road.  Let's take a peek inside - This kitchen offers coastal white appointed cabinets, long lasting durable wood flooring, three stunning oversized windows with views, a center island with multiple seating and a attractive contrasting color to add a bit of excitement to the design. The open concept floor plan, invites entertain

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.  Please click on this link to view the Housing Trends November 2017 Newsletter  The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources.  Housing Trends eNewsletter is filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumer articles, and REALTOR.com local community reports.  If you are interested in determining the value of your home, click the “Home Evaluator” link for a fr

Buying your first home can seem like a daunting process. From mortgage rates to taxes to closing costs, there’s certainly a lot to consider. Because your new home will likely be the biggest investment of your life, it’s crucial that you learn about the process before you get started. The more you know about the home buying process in Bourne, the more likely you will be able to get the home of your dreams at a price you can afford. That’s why we’ve put together these six tips for helping you achieve your goal of homeownership. 1) Know what you want. When purchasing a residential property in an area like Cataumet or Pocasset, you’ll have several options to consider. These include traditional single-family homes, condos, townhouses, and more. Each type of property has its benefits and drawbacks, so before you move forward in the home buying process, make sure you pin down which property type will best suit your needs. 2) Know where you want to buy. Just as properties have

Now that you’ve decided to buy a home in Bourne, it’s time to consider how you’ll pay for it. Mortgages can be complicated, and selecting the wrong one could seriously jeopardize your future. Here are a few pointers for choosing your mortgage wisely. GET TO KNOW THE PLAYERS Talk to a friend or relative who’s local in the Cataumet area and has recently gotten a mortgage– ask if they would recommend their lender and why. Then, reach out to your real estate agent or someone else who deals with mortgage lenders regularly (a financial adviser, attorney, etc.) for help with creating a list of lenders. Search the web and research these recommended lenders extensively, being sure to push past the advertising and investigate fees, lock-in periods, and qualification requirements. GO LONG When it came to mortgages, the emphasis used to be on paying them off as soon as possible. Today, the average debt accumulated per person due to credit cards, student loans, etc. indicates tha

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.  Please click on this link to view the Housing Trends October 2017 Newsletter  The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources.  Housing Trends eNewsletter is filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumer articles, and REALTOR.com local community reports.  If you are interested in determining the value of your home, click the “ Home Evaluator ” link for a free ev