Julianne Krutka
Park Square Realty | 413-297-6718 | julianne.krutka@gmail.com


Posted by Julianne Krutka on 7/20/2018

Are you looking for bright and shiny and move in ready at an affordable price? Look no further and consider owning this 2 bedroom townhouse condo for less than you might pay to rent it! Seller has gone above and beyond to make this place shine for you with freshly refinished flooring throughout the 1st and 2nd floor and fresh paint in the living room. Enjoy the large full bath on the second floor and the finished bonus room in the basement. This is an end unit townhouse condo with a detached garage just a few short steps from the kitchen door and a private patio area outside the living room door. This unit is centrally located and just a few steps away from the association pool and clubhouse! Beautiful open common area for your enjoyment as well! Quick commute to just about anywhere you need to go and Chicopee Gas and Electric to keep your utility expenses low too! VA, FHA and Conventional buyers welcome! Showings will begin at Open House Saturday 7/21 from 12-1:30.

More Info on this Property | New Listing Alerts





Posted by Julianne Krutka on 7/19/2018

If youíre buying your first home, there are plenty of things that youíll need to know. Being informed will allow you to avoid some of the most common mistakes that first-time homebuyers make. These errors and their remedies can be found below. Don't join the crowd and make an error, know before you buy. 


They Donít Have Enough Funds


Every homebuyer plans for mortgage payments. Not every buyer plans for all of the other costs that go along with buying a home. Just because you can afford mortgage payments doesn't;t necessarily mean that you can afford the house. 


Thereís so much financially that goes into owning a home. Youíll need to plan for things like home maintenance, insurance, taxes, closing costs, and more. All of this will need to be saved ahead of time in order to buy and maintain a house. Things like property tax and insurance can go up yearly, and these costs can be very unexpected. 


Not Securing A Loan


If you donít secure a loan first and find the home of your dreams, you could be in for trouble. If you havenít been pre-approved for a mortgage, finding a home and putting an offer in is a bit riskier. Many buyers donít realize that they canít qualify for the amount of loan that they think they can. Getting pre-qualified allows buyers to understand just how much house they can afford. 


Avoiding Real Estate Agents


If buyers go it alone, they are taking a risk. The seller pays the real estate agent fees in a home transaction. You really have nothing to lose getting a professional to help you. From there, your agent can recommend all sorts of professionals to assist you in your home search including lawyers, mortgage companies, home inspectors, and others. Itís essential for a smooth home transaction to work with people who are experienced and know what theyíre doing.    



Depleting Your Savings


When you buy your first home, youíre going to need a reserve of cash beyond what you have saved for a downpayment. This cash includes an emergency fund, money for repairs, furniture, new appliances, and other unexpected expenses. If you use all of your savings on a downpayment, youíll be in a dangerous financial situation. Just make sure you have saved enough extra for a rainy day fund.


Opening New Accounts


Before your loan is closed, you should be frozen- financially frozen that is! Donít open any new accounts. It can be tempting to head out and buy a new car that will look good in your new driveway or to fill your house with all sorts of brand new furniture, but you should wait. Once you get the keys to your new home, youíre in the clear to spend again and open new accounts. You donít want to overextend your budget of course. Just be sensible!      





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Posted by Julianne Krutka on 7/15/2018

This well maintained mobile home at Hampden Village is sure to delight and surprise, this home has a very unique layout and features a front sunken room with a fireplace! This room could be a formal dining room, home office, den, craft space...whatever your heart desires! The rest of the home is nicely laid out with a light and bright kitchen, a cozy living room, a generous sized master and small second bedroom and a jack and jill bath that can be accessed from the master bedroom or the hallway. This really pretty home is situated on a peripheral lot that backs up to a wooded area. The lot fee for this home is 387.00/mo and includes water, taxes and trash pick up, as well as full use of the community heated in-ground pool and air conditioned club house! Come see what Hampden Village has to offer for the active elder! Buyer must be age 55 or older and is responsible for obtaining park approval.

More Info on this Property | New Listing Alerts





Posted by Julianne Krutka on 7/12/2018

Want to make your homeownership dream a reality? Get pre-approved for a mortgage, and a first-time homebuyer can move closer than ever before to acquiring his or her ideal residence.

Ultimately, there are many reasons to receive pre-approval for a mortgage, including:

1. You can establish a realistic homebuying budget.

Entering the housing market for the first time can be challenging. In fact, many first-time homebuyers struggle to establish realistic expectations before they begin their home search. And as a result, these homebuyers may end up spending too much for a house.

Fortunately, getting pre-approved for a mortgage enables a homebuyer to enter the real estate market with a budget in hand. This ensures a homebuyer can avoid the temptation to overspend on a residence.

Pre-approval for a mortgage also allows a homebuyer to map out his or her homebuying journey. With a plan in place, this homebuyer may be better equipped than others to acquire a top-notch residence that matches or exceeds his or her expectations.

2. You can speed up the homebuying journey.

Although a first-time homebuyer can always submit an offer on a home without a mortgage in hand, doing so may be tricky. In some cases, it may even slow down the homebuying process, especially if a homebuyer has to allocate significant time and resources to find a mortgage lender.

On the other hand, a homebuyer who gets pre-approved for a mortgage should have no trouble accelerating the property buying cycle. This homebuyer will know exactly how much money is at his or her disposal, and as a result, can speed up the homebuying journey.

3. You can gain a competitive advantage over rival homebuyers.

In many instances, a home seller may be more likely to accept a proposal from a first-time homebuyer who has been pre-approved for a mortgage versus an offer from a buyer who still needs to obtain a mortgage.

A homebuyer who has a mortgage likely won't have to wait too long to acquire a house. Conversely, a homebuyer who needs to apply for a mortgage after an offer has been submitted may need to wait many weeks or months to complete a home sale.

Clearly, there are many great reasons for a first-time homebuyer to receive pre-approval for a mortgage. For homebuyers who want to ensure the best results possible, it certainly helps to collaborate with an experienced real estate agent too.

An experienced real estate agent understands the ins and outs of the housing market and will do whatever it takes to help a homebuyer streamline the property buying journey. This housing market professional will set up home showings and negotiate with a home seller on a property buyer's behalf. Plus, he or she is happy to provide honest, unbiased recommendations to help a homebuyer make his or her homeownership dream come true.

Take the next step to acquire your dream residence Ė get pre-approved for a mortgage today, and a first-time homebuyer can get the necessary financing to purchase his or her ideal house.




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Posted by Julianne Krutka on 7/5/2018

One very important, yet often overlooked aspect of setting up a home is that of lighting. We often take lighting for granted. We turn on a light in order to see something better, but thereís so much more to a well-lit room than placing a light anywhere in the space. Lighting should be done in layers. These layers include:


  • Ambient lighting
  • Accent lighting
  • Task lighting
  • Decorative lighting


For well-balanced lighting in a room, you should mix and match the types of lighting from these layers. Letís break down the different layers of lighting:


Ambient


This kind of lighting includes natural light sources such as windows and doors. Ambient lighting would also include pendant lighting and overhead light fixtures like a combination light/ ceiling fan.


Task


Task lighting is exactly as the name denotes. You use this type of lighting when you want to complete some kind of task. These fixtures could include under the counter lighting, desk lamps, and reading lamps. 


Accent 


Accent lighting provides additional brightness to a room. These fixtures include adjustable lights and recessed lighting features. 


Decorative


Decorative lighting accents a room in a different way. These types of fixtures would be something like chandeliers, different colored light bulbs, and other lights that can be used for decoration.      


Highlights


The great thing about the right kind of lighting is that it will feature the best parts of a room. Do you have a painting that you love? Use lighting to bring it out. Is there a statue that you want to make stand out? Use a soft spotlight. You can even highlight your crown molding and ceiling features with some mounted sconces or rope lights along the edge of your ceiling for an added effect. 


Spread It Out


One of the worst mistakes that people make when lighting a room is forgetting to spread out their light sources. All of the light in the room is concentrated in one spot, leaving dark patches in the space. This can be a decoratorís nightmare. This is why the layering method works so well. The lighting is spread out around the room and even. There wonít be any spots in the room where the lighting is overwhelming or on the flip side, not enough.


Use Your Windows


One of the other big mistakes in lighting is that people often forget to make use of the natural daylight. While you may need some lighting in a room thatís used often at night, there should be some great resources coming from right outside your windows. Donít block this light! Use creative ways to direct the light accordingly like curtains and blinds. Donít be afraid to leave some window space open as well to let the light shine in. While you donít want to sacrifice your privacy, you do not want to live with your windows darkened all day, every day!




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