The Mavroules Team - Atlantic Coast Homes



Posted by The Mavroules Team on 7/13/2018

Buying a home as a single individual comes with its own set of unique experiences and challenges. Some are to be expected, like financing with a single income. While others not so much, like a more competitive market.

You know that financing will be based on your sole income. However, the vast majority of homeowners are couples who have dual incomes. Your eligibility is going to be very different than that of a couple and for some home buyers when they receive a lower number this comes as a shock. Expect to see numbers that are on the lower side of those who apply as couples.

Since you are on a sole income you may want to look into various loan types such as those that offer low-interest rates and lower down payments. Two to look at are first-time buyers programs and FHA loans.

When comparing options watch the lenders fee in comparison to the interest rate. Where you may have low-interest rate it might come with a higher lender fee. Do the math on these ratios to get a true value of each.

Before applying for mortgage approval, clean up your budget and handle any existing debts, especially expensive ones. Pay off card balances, refinance student loans, and swap out expensive monthly car payments for one that is more reasonable.

Draw up a budget and get really clear on just how much house you can afford month to month. Include the cost of house ownership and maintenance in your budget in addition to the cost of future monthly mortgage payments.

As a sole earner having savings is incredibly important as you donít have a second income to rely on. In addition to setting aside your down payment (as close to the recommended 20% as you can), build up a nest egg of three to six months worth income should anything misfortune arise.

Start the buying process well prepared with the right mindset. Smaller houses make up a lower percentage of the housing market and cheaper homes are competitive when it comes to the buying process. Be ready for a search that might go a little longer and a buying process that needs you to move a little faster than traditional ones.

Bring a trusted friend or family member with you to home viewings to have a sounding board for your decision process. Itís easier to get swept away emotionally when you donít have a partner to hash out the gritty details with. Find someone who can come to each viewing with you so that you can compare the different homes proís and conís together.

Buying a home as an individual is a unique process but it doesnít have to be a difficult or lonely one. Ask for feedback from your realtor, bring a trusted friend and know what to expect from the buying process as a sole income earner.





Posted by The Mavroules Team on 7/10/2018

Spacious second floor apartment in the ideal commuter location, minutes to the COMMUTER rail. Enjoy two levels of living in this OPEN CONCEPT floor plan including Kitchen - Dining room - Sun room combo with hardwood floors through out. Kitchen features beautiful CHERRY cabinets, GRANITE counters and STAINLESS steel appliances. This floor also includes one bedroom, living room and updated tiled bath. Second floor includes TWO more bedrooms with newer carpet and plenty of CLOSET space. Bonus features include laundry hook ups in basement and large fenced in back yard. Come enjoy all Salem has to offer including restaurants, shopping and museums!

More Info on this Property | New Listing Alerts




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Posted by The Mavroules Team on 7/6/2018

As a home seller, it is crucial to do everything possible to prepare for a house showing. Yet determining the best ways to prep for a showing sometimes can be difficult. Fortunately, we're here to help you get ready for any showing, at any time.

Now, let's take a look at three tips to help you plan for a house showing.

1. Upgrade Your House's Curb Appeal

Although a property buyer likely has seen pictures of your house or walked or driven past your residence, there may be no time like the present to upgrade your home's curb appeal. Because if a buyer sees your home's beautiful front lawn and other stunning exterior features on the day of a showing, he or she may instantly fall in love with your residence.

Completing assorted home exterior improvements is crucial to enhance your residence's curb appeal prior to a showing. In fact, performing home exterior tasks like mowing the lawn and repairing damaged siding will help your residence make a positive first impression on potential buyers. Home exterior improvements ultimately may help you accelerate the property selling journey too.

2. Remove Clutter from Inside Your Home

Clutter is a major problem because it may make your house appear small and messy. If you allocate time and resources to remove clutter prior to a home showing, however, you can highlight the true beauty of your living space to potential buyers.

If you own items you no longer need, you can always sell these items online or at a yard sale. You also can donate unwanted items to charity or give them to family members or friends.

In addition, you can always put various items you want to keep in storage. If you rent a storage unit, you can keep assorted belongings safe until your residence sells.

3. Consult with a Real Estate Agent

With a real estate agent at your side, you can receive comprehensive support leading up to a house showing. A real estate agent will offer recommendations and suggestions to ensure you know what to expect from a showing. Plus, he or she will respond to any of your home showing concerns or questions.

Furthermore, a real estate agent will help you navigate the home selling cycle. He or she first will meet with you, find out why you want to sell your residence and help you craft a property selling strategy. Next, a real estate agent will promote your residence to dozens of prospective buyers. And if you receive an offer to purchase your home, a real estate agent will help you analyze this property buying proposal. A real estate agent will even negotiate with a buyer's agent on your behalf to help you optimize your home sale earnings.

When it comes to hosting a home showing, there is no need to worry. Thanks to the aforementioned tips, you can plan for a home showing. And as a result, you can take the necessary steps to ensure a home showing is an instant success.




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Posted by The Mavroules Team on 6/29/2018

If you intend to sell your house, you'll need to put together an engaging home listing. By doing so, you can increase the likelihood that homebuyers will want to check out your residence in-person Ė something that eventually may lead to a home sale.

It is important to do everything possible to differentiate your home listing from others. This will boost your chances of a fast home sale, along with raise the possibility of receiving a home offer that matches or exceeds your initial expectations.

Ultimately, there are several things that separate an ordinary home listing from an exceptional one, and these include:

1. Home Location

All home listings include details about a home's address. However, only the best home listings highlight information about where a residence is located relative to popular landmarks and attractions.

For example, if your house is located near some of the state's top schools, you may want to include information in your home listing about your home's proximity to these high-quality schools. With this information, your home listing may stand out to parents.

On the other hand, if your residence is just minutes from an amusement park, gym or other popular local attractions, you should include this information in your listing as well.

2. Home Upgrades

If you upgraded your house's heating system or installed new windows only a few years ago, it may be worthwhile to incorporate this information into your home listing.

Remember, as a home seller, you'll want to provide homebuyers with as much information about your residence as you can. And if you include details about assorted home upgrades, you can show homebuyers that you've allocated significant time and resources to improve your residence.

3. Home Photographs

When it comes to home photographs, there is no need to settle for "basic" pictures. Instead, a home seller should look carefully at home photographs and incorporate only those that showcase the true beauty of a residence into a home listing.

In many instances, a homebuyer will examine home photographs before he or she decides whether to continue to read a home listing. If a homebuyer is turned off by home photos that make a residence look small or cramped, he or she may move on to other home listings.

For home sellers, it is paramount to clean and declutter a house before you take photos of it. This will ensure your residence looks pristine both inside and out and guarantees that your home photos can make a distinct impression on homebuyers who view your home listing.

Lastly, if you need help preparing a home listing, a real estate agent can provide expert assistance. This housing market professional can collaborate with you as you put together a home listing and offer plenty of tips and recommendations along the way.

Take the guesswork out of crafting an effective home listing Ė consider the aforementioned home listing items, and you can create a home listing that helps you stir up significant interest in your residence.




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Posted by The Mavroules Team on 6/22/2018

No matter how much experience you have as a gardener, mistakes happen to everyone. Some gardening mistakes are actually avoidable. Below, youíll find some of the most common gardening mistakes and how to stay clear of them. Next time around that you decide to plant, youíll have an even greener thumb than you did the season before. 


You Planted Too Early


When the springtime hits, itís easy to feel eager to plant and get your crops going. Planting too early without proper grow cloths or warm enough temperatures can be completely detrimental to anything that is trying to grow. 


Watering Too Much Or Two Little


There is a finite amount of water thatís required for plants to thrive. The general rule is for plants to receive about an inch of water per week. Plants that have not been watered enough will show certain signs including yellowing leaves and wilting leaves. Any fruits that are produced will be deformed. Be sure that you make up for the deficit of water during dry spells that occur by watering accordingly.   


Plants that have been overwatered can also cause yellowing leaves. You donít want your water to pool or cause puddles in the garden. If this happens, youíll need to add a bit more organic matter to the soil itself. 


Not Planting In A Bright Enough Place


Itís a basic scientific principle that plants need sunlight to grow properly. If you have planted things in the shade, they may not thrive. If you donít have a sunny spot to plant your garden, try using portable gardening containers that you can move around. Shoot for at least 6 hours of direct sunlight per day for your plants.       


Not Weeding


Weeds can obviously choke your crops, sucking moisture and food away from the plants. If you donít actively work to eliminate weeds, your plants will suffer greatly. Eliminate weeds as soon as you spot them. Allowing one weed to flourish is to allow them all to take over! Mulching can be a great start in helping to keep weeds away. If any weeds are found after the mulch has been put down, be sure to move them promptly. 


Planting Too Much


If you plant too much, space can become a problem. Focus on planting what you and your family like to eat and will actually use. This problem comes down to a matter of preference and taste. You donít want to spend a ton of time gardening just to realize that  youíve completely wasted your efforts. 


Keep in mind that thereís always something new to learn when it comes to gardening. Know that no matter what level of gardener you are mistakes are inevitable but not completely unavoidable.         





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