Thomas Murphy - Pine Shores Real Estate



Posted by Thomas Murphy on 6/10/2018

As a homebuyer, it is paramount to establish realistic expectations for the homebuying journey. That way, you can take a step-by-step approach to achieve various goals along this journey and acquire your ideal residence faster than ever before.

Setting realistic homebuying expectations can be simple. Now, let's take a look at three tips to help you set realistic homebuying expectations.

1. Assess Your Home Must-Haves and Wants

Dozens of homes are available in cities and towns nationwide. If you establish realistic homebuying expectations, you may be better equipped than others to determine exactly what you want to find in your dream house. As a result, you could reap the benefits of a quick, seamless homebuying experience.

Oftentimes, it helps to create a list of home must-haves and wants prior to searching for a house. This list can be updated as you proceed along the homebuying journey and will serve as a guide to help you discover your ideal residence.

2. Get Pre-Approved for a Mortgage

With a mortgage in hand, you can narrow your home search to residences that fall within your price range. Then, you can speed up the homebuying journey and find your ideal residence in no time at all.

To get pre-approved for a mortgage, you'll want to meet with banks and credit unions. These financial institutions generally offer a broad array of mortgage options. Examine all of your mortgage options closely, and you're sure to find a mortgage that matches your finances.

Also, don't hesitate to ask mortgage questions when you meet with potential lenders. Banks and credit unions employ friendly, knowledgeable mortgage specialists who are happy to help you in any way they can. Thus, you can gain expert insights from these mortgage specialists that could help you make an informed mortgage decision.

3. Collaborate with a Real Estate Agent

A real estate agent understands what it takes to purchase a home in any housing market. Therefore, he or she can help you prepare for the real estate market and establish realistic homebuying expectations from day one.

Typically, a real estate agent first will learn about your homebuying goals. He or she then will help you map out a successful homebuying journey, one that concludes with you discovering your dream house at a budget-friendly price.

A real estate agent offers plenty of support at each stage of the homebuying journey too. This housing market professional will set up home showings, keep you updated about new residences that become available and help you evaluate houses. And if you want to submit an offer on a home, a real estate agent will make it easy for you to put together a competitive homebuying proposal.

Achieving the optimal results during the homebuying journey sometimes can be difficult. But if you establish realistic homebuying expectations, you may be able to streamline the homebuying journey and ensure that you can purchase a great house that suits you perfectly.




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Posted by Thomas Murphy on 6/3/2018

Trying to successfully manage the many demands of a growing family, a high maintenance home, and a stressful career is no easy task, but most of us seem to get the hang of it after a while! With so many priorities to handle, though, things don't always work out as planned. Fortunately, there are measures you can take to help smooth out the rough spots and avoid some of the pitfalls of modern life. Here are a few miscellaneous ideas to help you accomplish that.

  1. Be security conscious. Even if you live in what you consider to be a safe neighborhood, all it takes is one incident to rob you of your sense of security -- not to mention any valuables that might be lying around. While there are a handful of small, close-knit communities out there where folks feel comfortable leaving their doors unlocked, it's still better to exercise a little caution. Unless you can depend on your neighbors to keep a close eye on your house when you're not at home, locking doors and windows before you leave is a smart safety practice.
  2. Get at least three estimates. Whether you're planning on remodeling your kitchen, repaving your driveway, or having the exterior of your house painted, you can often save thousands of dollars by getting and comparing three written quotes. When you talk to contractors and other service providers, you'll also get a sense of how easy or difficult they are to work with. If they're impatient with your questions or slow to respond to emails and phone messages, then you're probably seeing a preview of what they'd be like on the job.
  3. Get a dehumidifier for your basement. If your basement is dry and you don't have any drainage issues outside your house, then this suggestion may not apply to you. However, if your basement humidity level is approaching 60%, a dehumidifier may be necessary to help prevent mold growth, indoor air quality problems, and other issues. (Monitoring tip: Inexpensive humidity gauges are available at hardware stores and online.) Preventing mold growth before it takes hold can potentially save you thousands of dollars in mold remediation costs. If your basement is wet, musty smelling, or has visible signs of mold or mildew, consulting with a certified mold assessor or a basement waterproofing company can help you identify the extent of the problem, as well as what to do about it.
  4. Research dog breeds before choosing a family pet. All dog breeds have different characteristics, personality traits, exercise needs, and training requirements. Unfortunately, some families choose a puppy based on how cute it is, rather than how well it will fit into their lifestyle. Dogs generally need a lot of attention, especially when they're being housebroken and acclimated to daily routines. To help ensure a successful relationship with your new dog, it's important that every member of the family understand the responsibility that comes with pet ownership: It's a labor of love and a long-term commitment.
Whether you're a first-time home buyer or a seasoned property owner, there's always something new learn. Stay tuned to this blog for more homeowner tips, helpful reminders, and money saving strategies!





Posted by Thomas Murphy on 5/27/2018

One feature new homeowners most look forward to adding is a backyard garden. Afterall, is there anything better than a homegrown tomato or zucchini?

Another benefit of homeownership is the ability to start a compost heap for your garden. By skipping chemical fertilizers in favor of compost you will not only have a great way to recycle yard and kitchen scraps but also naturally replenish the soil. This leads to healthier plants, a healthier you and little by little a healthier planet.

Compost is so nourishing because of what is called humus. Humus is the part of soils made from decomposition. It restores nutrients to the malnourished soil, helps the soil retain moisture and even keep diseases from affecting your plants.

To get started you’ll want to choose how you’ll go about creating your compost. You can either opt for a tumbling composter, which takes a lot of the manual work out of turning your pile, or creating your compost on top of the ground, where it will have easy access to earthworms and easily drain excess water.

When creating a compost pile you will want it to be at least 3 feet long by 3 feet wide. You will also want your pile to be about 3 feet high. To help keep your pile neat and contained you can build, or buy, a fence-like box for your compost pile.  

When you have your compost “storage” of choice ready to go you’ll also want to have a good amount of scraps to begin building your pile up to those 3 feet I mentioned or fill up your bin. The best way to do this is to keep two sealable containers in your kitchen to toss scraps in for your pile. However, you don’t want to toss just anything into this container.


What you can put into your Dry (also called Brown) scrap container:

  • Eggshells

  • Tea leaves and/or coffee grounds

  • Dead flowers

  • Cardboard and paper goods (they must be unwaxed)

  • 100% cotton and/or wool (no synthetics)


What you can put in your Moist (also called Green) scrap container:

  • Vegetable scraps

  • Fruit scraps

  • Grass and leaves

  • Manure from herbivorous animals (cows, horses, rabbits, etc)


What you should never put in your containers:

  • Meat, fish or bone scraps

  • Manure from carnivorous animals (cats, dogs, etc)

  • Waxed, sticky or treated paper products and/or wood

  • Citrus peels or onions


Begin your pile with a layer of sticks and straw if you will be building it on bare ground. This will allow your compost to properly drain and avoid becoming oversaturated. Next, alternate layers of moist/green and dry/brown materials to an even 50/50 ratio.  

You will want turn over your pile every few weeks to allow for oxygenation. If your pile begins steaming that means the decomposition process is in action!  When it begins to turn a crumbly black in the center and earthworms are showing up compost has begun to/is fully formed and ready to use in your garden!




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Posted by Thomas Murphy on 5/20/2018

An open approach to selling a home can make a world of difference for any seller, at any time. In fact, there are many reasons to maintain an open approach to selling a house, and these include:

1. You can consider all of your home selling options.

The prices of homes in one part of the country may vary from the prices of similar houses in another. Fortunately, a home seller who keeps his or her options open can map out the home selling journey based on the current housing sector's conditions.

As you prepare to sell your house, it helps to analyze the local real estate sector and keep your options open. That way, you can price your house appropriately, promote it to the right groups of buyers and boost the likelihood of a fast, profitable home sale.

2. You can wait to accept an offer that matches your expectations.

Let's face it – no home seller wants to deal with underwhelming offers to buy his or her residence. If you maintain an open approach to selling your home, however, you may be better equipped than others to avoid selling yourself short.

Ultimately, an informed home seller is open to any offer on a residence but will only accept a proposal that matches his or her expectations. If this seller receives a "lowball" offer, he or she will have no trouble politely declining the proposal. Or, if this seller gets a "fair" offer, he or she can accept the proposal and move forward in the home selling journey.

3. You can reduce the risk of making rash home selling decisions.

The pressure to sell a house can be immense, particularly for an individual who is selling a residence for the first time. But with an open approach to selling a house, you may be able to avoid making rash home selling decisions.

When the going gets tough for a home seller, he or she knows how to calm down and stay focused. By taking a deep breath and looking at the big picture, a home seller can think and act logically. Then, this seller can allocate the necessary time and resources to make informed home selling choices and increase the probability of making the right decisions based on his or her individual needs.

For those who are getting ready to sell a house, it helps to maintain an open approach to the home selling journey. Furthermore, if you need extra assistance as you prepare to list your home, you may want to reach out to a local real estate agent.

A real estate agent will help you showcase your residence to potential buyers and review offers. Perhaps best of all, he or she can provide honest, unbiased home selling advice and help you remain calm, cool and collected in even the toughest home selling situations.

Make the most of your home selling experience – take an open approach to the home selling journey, and you can move one step closer to accomplishing your home selling goals.




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Posted by Thomas Murphy on 5/13/2018

Buying a house can be simple, particularly for those who craft a blueprint before they embark on the property buying journey. Now, let's take a look at three tips to help you craft an effective homebuying blueprint.

1. Analyze the Housing Market

The housing market varies in cities and towns across the United States. However, if you analyze the local real estate sector closely, you can map out a successful property buying journey.

Assess the prices of recently sold residences and find out how long these homes were available before they sold. That way, you can determine whether a buyer's or seller's market is in place.

Remember, the more housing market data you review, the more equipped you'll be to understand the current state of the local housing sector. And if you allocate time and resources to analyze housing market data, you can gain the insights you need to make informed decisions throughout the property buying cycle.

2. Establish Homebuying Criteria

Create a list of homebuying criteria – you'll be glad you did. Because once you know what you want to find in your dream home, you can narrow your house search.

As you put together homebuying criteria, think about where you want to reside too. This will enable you to hone your home search to preferred cities and towns.

Don't forget to consider your short- and long-term plans as you craft your homebuying criteria as well. For instance, if your goal is to work in the city, you may want to focus on houses in or near the city itself. On the other hand, if you plan to start a family soon, you may want to explore residences near the top schools in your area.

3. Collaborate with a Real Estate Agent

If you're unsure about how to craft a homebuying blueprint, there is no need to worry. Real estate agents are available nationwide, and these housing market professionals can help you put together a homebuying plan.

A real estate agent is a housing market expert who is happy to teach you everything you need to know about buying a residence. He or she also will respond to any of your homebuying concerns and questions.

In addition, a real estate agent will act as a guide along the homebuying journey. He or she first will learn about your homebuying criteria and goals and help you put together a property buying plan. Next, a real estate agent will help you search for your dream residence and set up property showings. And once you discover a house you want to buy, a real estate agent will help you submit a competitive offer to purchase this home.

For those who want to achieve the optimal results during the property buying journey, it generally is a good idea to create a homebuying blueprint. By using the aforementioned tips, you can craft a homebuying blueprint so you can achieve your desired homebuying results.




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