Thomas Murphy - Pine Shores Real Estate



Posted by Thomas Murphy on 5/28/2017

Buying a home is one of the biggest purchases that you’ll ever make in your lifetime. You’ll spend decades of your life making mortgage payments to pay off your home loan. Buying a home is more than just simply finding a place to live. It’s also a financial decision. Your home helps you to build equity, gives you tax deductions, and helps you to have some security in your financial future. 


One of the biggest questions that you’ll have when you buy a home is “How much can I spend?” To answer this question, you’ll need to dig a little deeper. 


Do You Have Money For A Down Payment?


The standard amount of money that you’ll need for a down payment is 20 percent of the purchase price of a home. If you don’t have the money for a full down payment, you’ll need to pay for private mortgage insurance (PMI). This could add up to be an extra cost of hundreds of dollars per month in additional insurance payments on top of your mortgage and every other kind of expense that goes along with buying a home. You’ll need to take the time to save up for a down payment if you’re a first time homebuyer. If you already own a home, the equity that you have in that home can help you with the down payment.


What Are Your Other Financial Responsibilities?


There’s more to buying a home than just the monthly mortgage payment. You’ll need to get insurance, pay taxes, and have some money set aside for repair and decorating costs. You’ll need to look at your monthly income to find out just how much you can afford on a home. You should take an honest look at your lifestyle and existing expenses in order to determine a comfortable monthly mortgage payment for you.    


Know Your Credit Score


Your credit score will be a major factor in how much house you’ll be able to afford. Your lender will use your credit score and credit history to help determine what type of interest rate you’ll get and how much they’re willing to lend you in order to buy a home.


Understanding what you can afford for a home purchase is crucial before you even start shopping. It’s a good idea to meet with a lender to get pre-qualified. This is different than getting pre-approved. Your lender will give you a general idea of how much you can spend on a home without digging too deep into your finances. Getting pre-qualified is a great place to start when you’re looking at the numbers of being a homeowner.




Tags: Buying a home   finances  
Categories: Uncategorized  


Posted by Thomas Murphy on 5/21/2017

Moving is tough for many reasons, from bidding on a house to packing up all your possessions stress is bound to happen. However, for children, it can be more stressful. Change can be harder for them to deal with and they can feel lost in the bustle of the move. There are a few things you can do for your child to ensure that the moving process goes smoothly for both them and you: Model behavior - Project a positive attitude about moving will demonstrate to your child that this is a positive event for them to look forward to, children pick up on the behavior of the adults in their lives and signaling to them that is a time they can anticipate with excitement with your behavior about moving can go a long way. Have conversations - Take the time to talk with your child about moving and what they can expect about a month before the move date. Be open to their thoughts and feelings and give them some space to feel upset. Explain the moving process to them in a simple way that they can understand, perhaps with a story played out with their toys. Ensure to not only tell them what will change but also what will stay the same. The more they know what to expect of the days leading up to and after the move the more comfortable they will feel with the process. Get them involved - If possible include them in the house hunting process by showing them pictures of the new house. If you are moving to a new town or state show them pictures of the school they will attend and the nearby parks. If it is nearby, explore the new neighborhood together and make visits to the new house a few times before moving day. Keep things similar - If your child doesn't deal well with change try to keep the same furniture and arrange in a similar layout as their old room. Prioritize having your child's room in order before the rest of the house so that they have their own space to feel comfortable in the new house right away. Unpacking their favorite toys or blankets first can help them feel more at home. Sticking to the same routines where possible is also ideal. On the other hand - Allowing your child to pick out new furniture and paint colors for their new room can help them get excited about the new move and give them some control amidst so many changes. Making friends - Practice with your child how to introduce themselves to other children. Get involved with the new community and allow your child to signup for any activities that interest them. Arrange times for phone calls or to write letters to friends and family from your old neighborhood so they feel in touch with those they care for. While moving can be a stressful time for the whole family, it can have a large impact on a child. Making time for conversations and including them in the process can not only help them feel more at ease with the moving process but also deepen your relationship with your child as you go through this life event together.




Tags: moving tips   moving   children  
Categories: Uncategorized  


Posted by Thomas Murphy on 5/14/2017

In a culture where more is more minimalism has a certain appeal albeit one that can also feel intimidating. Not only do we add sentimental value to many of the items in our home but we also accumulate piles of it as the years pass. It can be overwhelming to even think of cutting down on the clutter. Minimalism doesn’t have to mean an all white house devoid of knick-knacks or a lifestyle only for those couples who opt to forego having children, however. By using the tips and tricks listed below you can create a happy balance in your home that is inspired by minimalism. Uncluttered surfaces. Part of the appeal of minimalist homes is how neat and clean they are. Everything is intentionally placed and countertops aren’t filled with gizmos and gadgets. You can easily give your home the same feel by giving everything you own “a home”, that is, a place that it will always be returned to when not in use. Create storage space in drawers, cabinets and consider investing in furniture that pulls double duty with hidden storage inside. By creating storage that is out of plain sight you allow yourself the sleek, clean look of a minimalist home without tossing out half of your belongings. Quality over quantity. So many purchases we make eventually get pushed to the back of closets after the excitement of a new item wears off. The next time you go shopping, opt for quality over quantity. Whether this is with household items, clothes or toys for your children you can choose just one “category” to start. Knowing your family’s lifestyle will really help aid in the decision process of what items will get the most use so that you can then choose one that is well made. Minimalism does not equal boring. You can still have decorations, paintings and knick knacks while maintaining a minimalist home. Keep what you truly love or items that hold value to you and place them somewhere in the open where they can truly be enjoyed. Arranging the items you keep on display artfully creates an air of intention instead of clutter. Keep decluttering. Don’t let this be a one-off project. Each month take some time to assess your home. You will be sure to find more and more you can get rid of as time goes on and you become more comfortable with having less stuff in your home. Easily decrease the amount of things you have by clearing out duplicates. Think towels, kitchen items, cleaning supplies, etc. Ask yourself if you use this item every three months, and if it’s not a seasonal item, consider donating it. Keep in mind that this process doesn’t have to be a big project where you makeover your entire house. You can always begin with one room at a time or even just one area of a room. Shop less. This step is one you can proactively and easily work on each week. Every time you go shopping assess the items you are putting into your cart whether it’s a physical one or online. Ask yourself if these are must have items and envision them in your day to day life. If you can’t see yourself reaching for it time and time again, put it back on the shelf. When looking at sleek minimalist homes featured in the glossy pages of a magazine you might be tempted to think your home can never achieve a similar look. However, this is not so. With a dedication to the process of decluttering over time and making smart purchases, you too can have a minimalist inspired home before you know it!




Categories: Uncategorized  


Posted by Thomas Murphy on 5/13/2017

This Single-Family in Brewster, MA recently sold for $449,000. This Cape style home was sold by Thomas Murphy - Pine Shores Real Estate.


23 Wynn Way , Brewster, MA 02631

Brewster (village)

Single-Family

$449,000
Price
$449,000
Sale Price

8
Total Rooms
4
Beds
2
Baths
You will love swimming, boating and fishing from your private association beach. Only .1th of a mile stroll to association dock and beach on Upper Mill Pond. Lovely 4 bedroom Cape located on 3/4th of an acre lot in prestigious Canoe Pond Estates One bedroom is on the first level with first floor laundry. Open living space of living room (with fireplace), the dining room and eat in kitchen. Finished walkout basement and brand new state of the art gas heating system. Impeccably maintained, one builder/owner, new rugs fresh paint, JUST MOVE IN! First time offered. Buyers and agents to verify all representations

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Categories: Sold Homes  


Posted by Thomas Murphy on 5/13/2017

This Single-Family in Dennis, MA recently sold for $372,500. This Ranch style home was sold by Thomas Murphy - Pine Shores Real Estate.


30 North Street , Dennis, MA

Dennisport

Single-Family

$372,500
Price
$372,500
Sale Price

6
Total Rooms
3
Beds
2
Baths
You heard the quote I got a great deal on this car. I bought it from a little old lady. WELL I got a better one. Hardly used home owned by a little old Realtor! A Realtor that most know was particular and valued the attention to a property. 3 Bedroom, 2 full baths, full basement and 2 car garage on more than a 1/2 acre corner lot. Eat in Dining area and like new wood flooring make for an ideal home. You know the market and you'll know this will not last long

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Categories: Sold Homes