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


Posted by Julianne Krutka on 12/13/2018

Sometimes it can feel like we spend all of our free time cleaning. Especially, when we cohabitate with children, animals and/or a particularly messy partner. Creating quick habits that become second-nature helps to keep a clean, inviting home. Here are a few things that are (relatively) simple enough to do (almost) every day.

Put coats away in an orderly way. If you don’t have a closet in your entryway make sure there are hooks installed either to the nearest wall or schedule a weekend project to make a classy, stylish storage bench. Creating a storage bench has the added functionality of a place for everyone to stop and take their shoes off and even place them in a designated cubby underneath.

Wipe down counters daily. Even in the bathrooms. Keep disposable cloths or, for an eco-friendly option, a microfiber towel on hand to quickly wipe down surfaces. This not only keeps them crumb/gunk free but also keeps them cleaner for longer. Which means less elbow grease when it comes time to do your weekend deep clean.

Empty the dishwasher every morning and fill (and then run) it each night. Keep dishes off of counters and from building up in the sink. The sooner you get it in the machine the easier everything comes together so you can just hit “run” before heading off to bed. By allowing dishes build up throughout the day and then choose to load them we unwittingly create an enormous, daunting task.
Create a tidy way to hang towels after a shower. If you only have two hooks but multiple family members using the same shower it’s time for an upgrade. Hooks along the wall with frames overhead creates a stylish setup. For those lacking wall space, seek out an over-the-door hanger with more breadth to accommodate every family member.

Eat at your dining room table most nights. Life happens and sometimes we just want to kick back with takeout while binging on Netflix after a hard week. However, make this an occasional exception to a rule. Avoid spills, crumbs and piled up dishes throughout the house by keeping meals restricted to a table. This comes with the added bonus of spending quality time with your family catching up on the day's events before getting caught up in your favorite shows.

Use psychology and the senses to your advantage. Pull back the curtains and open the blinds, let in as much light in as you can! It brightens up the room and puts everyone in a great mood. And on that note, light some candles, diffuse oils or spritz some linen smells. Light, fresh scents make us feel like we are in a clean environment… even if you forgot to dust!    




Categories: Uncategorized  


Posted by Julianne Krutka on 12/6/2018

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.




Categories: Uncategorized  


Posted by Julianne Krutka on 11/29/2018

There are a number of programs, government-sponsored and otherwise, that are designed to help aspiring homeowners find and get approved for a mortgage that works for them.

Among these are first-time homeowner loans insured by the Housing and Urban Development Department, mortgages and loans insured by the USDA designed to help people living in urban and rural areas, and VA loans, sponsored by the U.S. Department of Veterans Affairs.


In today’s post, I’m going to give you a basic rundown of VA loans, who is eligible for them, and how to apply for one. That way you’ll feel confident knowing you’re getting the best possible deal on your home mortgage.


What is a VA Loan?

VA loans can provide soon-to-be homeowners who have served their country with low-interest rates and no private mortgage insurance (PMI).

If you’re hoping to buy a home soon and don’t have at least a 20% down payment, you typically have to take out private mortgage insurance. This means paying an extra insurance bill on top of your monthly mortgage payments. The downside of PMI is that it never turns into equity that you can then use when you decide to move again or sell your home.

Loans that are guaranteed by the VA don’t require PMI because the bank knows your loan is a safer investment than if it wasn’t guaranteed

VA loans may also help you secure a lower interest rate, or give you some negotiating power when it comes to discussing your interest rate.

Finally, VA loans set limits on the number of closing costs you can pay in your mortgage. And, if you’ve ever bought a home before, you’ll know how quickly closing costs can add up.

Who is eligible?

There are some common misconceptions about who can apply for a VA loan? So, we’ll cover all the bases of eligibility.

If you meet one of the following criteria, you may be eligible for a VA loan:


  • You’ve served 90 consecutive days during wartime

  • You’ve served 181 days during peacetime

  • You’ve served six or more years in the Reserves or National Guard

  • Your spouse died due to their work in the military

There are some restrictions to these eligibilities. For example, your chosen lender may still have credit score minimums.

Applying for a VA Loan

There are two main steps for applying for a VA Loan. First, you’ll have to ensure your eligibility. You can do this by checking the VA’s official website. Be sure to call them with any questions you may have.

Next, you’ll need a certificate of eligibility. The easiest way to acquire one is through your chosen lender.  If you haven’t chosen a lender, you can also apply online through the eBenefits portal, or by mailing in a paper application.

Once you have a certificate, you can apply for your mortgage and you’ll be on your way to buying a home.





Posted by Julianne Krutka on 11/28/2018

Don't judge this book by it's cover! This nicely improved ranch in Sixteen Acres has a great layout and bonus space galore! Public records list as 3 bedroom, but for now it is a 2 bedroom home. A wall was removed to make for larger living room but could easily be put back. Enter this home from the driveway via a great mudroom which leads to the kitchen featuring a large center island and pantry closet for plenty of storage. In addition, there is a lovely large dining room off the rear of the home, heated by space heater. The basement is mostly finished space, complete with a half bath with room to improve to a full bath and a kitchenette. This basement space could be for great an inlaw or teen suite space! There are hardwood floors in living and upstairs bedrooms, Laminate in the dining room and carpeting in the lower level. The yard is completely fenced, features two storage sheds and a wooden deck patio area. Showings are deferred until Open House Sunday 12/2 from 1:20-3:00.

More Info on this Property | New Listing Alerts





Posted by Julianne Krutka on 11/28/2018

Calling all Landscapers, Contractors, Lawyers, Dentists, Automotive Professionals, ...or anyone with a business looking for a new location in the City of West Springfield with incredible visibility on Park Street! This unique offering could allow you renovate the home for office space on one floor or both, and collect rent from both units as well as the commercial garage in the back or move your business in and live on site yourself. This large multi unit home has so much charm and character if converted to office space it would be stunning! Property is zoned BA and buyer is responsible for checking with the City of West Springfield for intended use. Sale includes both buildings located at 310 Park Street and the vacant lot behind addressed as 306 Park Street. Property value and tax info provided in this listing accounts for both properties. If your business needs easy access and visual exposure, this location will deliver!

More Info on this Property | New Listing Alerts