Westfield, MA

Are you waiting until Spring to sell your house in Westfield, MA or elsewhere?

Let me tell you wy this is a BAD IDEA:

#1 The rates haven't been this good for years and it isn't expected to last for long. The buyers are looking to get into a home before the rates go up. Visit here for more mortgage information from a Western Ma based lender.

#2 The real estate market "IS" busier in the Spring, but that isn't a good thing for sellers. There are a lot more homes for sale, which means more competition for you. This time of year you have a better chance of being the best home available. If you are unsure of the value of your home visit here.

#3 Buyers who are buying in the winter are serious buyers who have a real interest or need to move right away. These buyers are ready to make an offer on the right house today.

#4 Home prices are not expected to go up in the next few months. In fact, the trend for many areas shows that a gradual decline will continue. Waiting may cost you $$ off your bottom line.

#5 Even if home prices elevate in the Spring, if you are making another purchase after this sale, THAT property will have raised in value, thereby removing any profit you gained. To calculate your next purchase visit here.

#6 Your REALTOR needs the business. OK, ok...you say, so what if they do? Well...they have a lot more free time to spend on your marketing right now. Take advantage of their availability and reap the rewards!

If you have a house to sell in the Greater Westfield, MA area be sure to call:

Lesley Lambert, The Real Estate Natural at Park Square Realty

WHAT IS MORTGAGE INSURANCE AND WHY DO I NEED IT?

Private mortgage insurance and government mortgage insurance protect the lender against default and enable the lender to make a loan which the lender considers a higher risk. Lenders often require mortgage insurance for loans where the down payment is less than 20% of the sales price. You may be billed monthly, annually, by an initial lump sum, or some combination of these practices for your mortgage insurance premium. Ask your lender if mortgage insurance is required and how much it will cost. Mortgage insurance should not be confused with mortgage life, credit life or disability insurance, which are designed to pay off a mortgage in the event of the borrower's death or disability.

You may also be offered "lender paid" mortgage insurance ("LPMI"). Under LPMI plans, the lender purchases the mortgage insurance and pays the premiums to the insurer. The lender will increase your interest rate to pay for the premiums - but LPMI may reduce your settlement costs. You cannot cancel LPMI or government mortgage insurance during the life of your loan. However, it may be possible to cancel private mortgage insurance at some point, such as when your loan balance is reduced to a certain amount. Before you commit to paying for mortgage insurance, find out the specific requirements for cancellation.

CALL KRIS GONET-HALL 43-204-6099

KRIS.GONET@NEMOVES.COM

RELOCATION SERVICE AVAILABLE NATIONWIDE

USEFUL INFORMATION TO PROTECT YOU!!!

Selecting an attorney is a very important, unavoidable decision.

Before you sign an agreement of sale, you might consider asking an attorney to look it over and tell you if it protects your interests. If you have already signed your agreement of sale, you might still consider having an attorney review.

An attorney can help you prepare for the settlement. In some areas attorneys act as settlement/closing agents or as escrow agents to handle the settlement.

AN ATTORNEY WHO DOES THIS WILL NOT SOLELY REPRESENT YOUR INTEREST, SINCE, AS SETTLEMENT CLOSING AGENT, HE OR SHE MAY ALSO BE REPRESENTING THE SELLER, THE LENDER AND OTHERS AS WELL.

• If choosing an attorney, you should shop around and ask what services will be performed for what fee. Find out whether the attorney is experienced in representing home buyers. You may wish to ask the attorney questions such as:
• What is the charge for negotiating the agreement of sale, reviewing documents and giving advice concerning those documents, for being present at the settlement, or for reviewing instructions to the escrow agent?
• Will the attorney represent anyone other than you in the transaction?
• Will the attorney be paid by anyone other than you in the transaction?

RELOCATION SERVICES AVAILABLE

Kris Gonet-Hall 413-204-6099

Kris.Gonet@NEMoves.com

BE CAREFUL... REAL ESTATE AGENTS ARE NOT INSPECTORS

Real Estate agent are not trained to find structural, electrical, plumbing, septic and other problems with a home or land and do not guarantee the condition of property they sell. In gereral, agents have no duty to inspect a property for defects and have no duty to verify information received from seller, municipal departments or other reputable sources. Naturally, real estate agent may not "knowingly (make) any substantial misrepresentation. Agents have no liability for innocently passing along to buyers information from reputable sources, even if it is later determined to be inaccurate. Agents who provide buyers with names of lawyers, accountants or other professionals do not guarantee the accuracy of the reports of thos professionals.

FOR ALL OF YOUR REAL ESTATE NEEDS. CALL KRIS GONET-HALL @ 413-204-6099 OR E-MAIL ME ANYTIME @ Kris.Gonet@NEMoves.com

RELOCATION SERVICES AVAILABLE

I sat down and watched my all time favorite classic Christmas movie: Santa Claus is Coming to Town with my daughters the other night. While enjoyable for all the normal reasons, I was reminded of a very important lesson while enjoying a song. Here are the lyrics to the song:

"Put one foot in front of the other
And soon you'll be walking cross the floor
Put one foot in front of the other
And soon you'll be walking out the door

You never will get where you're going
If you never get up on your feet
Come on, there's a good tail wind blowing
A fast walking man is hard to beat

Put one foot in front of the other
And soon you'll be walking cross the floor
Put one foot in front of the other
And soon you'll be walking out the door

If you want to change your direction
If your time of life is at hand
Well don't be the rule be the exception
A good way to start is to stand

Put one foot in front of the other
And soon you'll be walking cross the floor
Put one foot in front of the other
And soon you'll be walking out the door

If I want to change the reflection
I see in the mirror each morn
You mean that it's just my election
To vote for a chance to be reborn"

Sing it with me!

It occurs to me that many of us in the real estate industry need to sing this as our mantra this year. It has been a difficult year for many people, but sinking into that negativity is a huge mistake. Often times just the impact of movement creates a forward momentum that can push you through a rough patch. The lesson of self motivation and positive growth is one that I try to bring into my day all year long, but this song does a fabulous job of keeping it close at hand. For myself, I am going to continue to vote for my chance to be reborn and start each day with a positive step towards my goals. I hope you will, too!

For a real estate agent with a positive attitude and a go-getter approach hire Lesley Lambert, The Real Estate Natural at Park Square Realty in Westfield, MA!