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


Posted by Julianne Krutka on 6/22/2017

If you’re in the market to buy a home, you’re probably learning many new vocabulary words. Pre-approved and pre-qualified are some buzz words that you’ll need to know. There’s a big difference in the two and how each can help you in the home buying process, so you’ll want to educate yourself. With the proper preparation and knowledge, the home buying process will be much easier for you.  


Pre-Qualification


This is actually the initial step that you should take in the home buying process. Being pre-qualified allows your lender to get some key information from you. Make no mistake that getting pre-qualified is not the same thing as getting pre-approved.


The qualification process allows you to understand how much house you’ll be able to afford. Your lender will look at your income, assets, and general financial picture. There’s not a whole lot of information that your lender actually needs to get you pre-qualified. Many buyers make the mistake of interchanging the words qualified and approval. They think that once they have been pre-qualified, they have been approved for a certain amount as well. Since the pre-qualification process isn’t as in-depth, you could be “qualified” to buy a home that you actually can’t afford once you dig a bit deeper into your financial situation. 


Being Pre-Approved


Getting pre-approved requires a bit more work on your part. You’ll need to provide your lender with a host of information including income statements, bank account statements, assets, and more. Your lender will take a look at your credit history and credit score. All of these numbers will go into a formula and help your lender determine a safe amount of money that you’ll be able to borrow for a house. Things like your credit score and credit history will have an impact on the type of interest rate that you’ll get for the home. The better your credit score, the better the interest rate will be that you’re offered. Being pre-approved will also be a big help to you when you decide to put an offer in on a home since you’ll be seen as a buyer who is serious and dependable.  


Things To Think About


Although getting pre-qualified is fairly simple, it’s a good step to take to understand your finances and the home buying process. Don’t take the pre-qualification numbers as set in stone, just simply use them as a guide. 


Do some investigating on your own before you reach the pre-approval stage. Look at your income, debts, and expenses. See if there is anything that can be paid down before you take the leap to the next step. Check your credit report and be sure that there aren’t any errors on the report that need to be remedied. Finally, look at your credit score and see if there’s anything that you can do better such as make more consistent on-time payments or pay down debt for a more desirable debt-to-income ratio.





Posted by Julianne Krutka on 6/15/2017

Selling a home in a buyer's market may seem like a major struggle, particularly for those who are listing a residence for the first time.

Fortunately, we're here to help you streamline the process of selling your house so you can get the best price for your residence, even in a buyer's market.

To better understand how to succeed in a buyer's market, let's take a look at three factors that every home seller should consider before they list a residence.

1. Your Home's Condition

What is the current state of your home? Ultimately, your home's condition will play a key role in how quickly you can sell your house, regardless of whether you're operating in a buyer's or seller's market.

Before you add your residence to the real estate market, it often is a great idea to complete a property appraisal. This evaluation will allow you to learn about your house's strengths and weaknesses and prioritize home improvement projects.

Furthermore, there are many quick, easy ways to enhance your home's interior and exterior.

Removing clutter from your home offers an excellent option for those who want to free up space inside a residence. Or, you can always trim the hedges, remove dirt and debris from walkways and perform other home exterior tasks to bolster your house's visual appeal.

2. Your Timeline

When do you need to sell your home? If you're in a hurry to sell your home, you'll need to proceed cautiously, especially if you're operating in a buyer's market.

In this scenario, you'll want to establish a competitive price for your home from the get-go. This will require you to analyze the prices of similar homes in your area so you can better understand how your house stacks up against the competition.

If you have several months to sell your home, you may be able to wait out a buyer's market. In the meantime, you can always complete assorted home improvements to upgrade your house both inside and out.

3. Your Housing Market Expertise

How do you intend to get the best price for your home in a buyer's market? You may need extra help along the way. Lucky for you, a real estate agent is happy to provide you with the assistance you need to succeed.

A real estate agent is a housing market expert who understands what it takes to sell a home in a buyer's market. He or she will be able to help you prep your home for the real estate market so you can speed up the home selling journey.

Usually, a real estate agent will promote your house to potential homebuyers, keep you up to date about offers on your house and negotiate with property buyers on your behalf. This housing market professional also can provide honest, unbiased home selling recommendations at each stage of the home selling cycle.

Remove the guesswork that is commonly associated with selling a home in a buyer's market – use these tips, and you should have no trouble generating plenty of interest in your residence as soon as it becomes available.





Posted by Julianne Krutka on 6/8/2017

Between 30 and 70 percent of the water used by homeowners is used outdoors. Water usage in the summer time skyrockets as the heat rises and the grass starts growing. People are watering their gardens, their lawns, and themselves as a means to fight back against the heat of the season. Water usage, however, is becoming an increasingly serious issue as global temperature rises. In recent years, droughts have affected much of the continental United States, from California to the Carolinas. Most of us have become familiar with the concept of local water bans; limits on water usage for things like watering the lawn, washing cars, etc. However one good practice to get into is conserving water usage even when your area isn't in a time of drought. Follow these tips to start conserving water. They'll help you save money and help you do your small part for the environment as well.

Tips for conserving water outdoors

Since water usage peaks during the summer when we spend more time outdoors, we'll begin with tips for saving water in the backyard.
  • Sprinkler systems. Homes with sprinkler systems use significantly more water than those without. Sprinkler systems often water the grass when it doesn't need it or it overwaters. Properly setting up your sprinkler system will keep your water bill down.
  • Watering the grass. Before you water the grass, determine if it needs water. Will it rain soon? Step on the grass and see if it springs back. If it does, you might want to hold off.
  • Keep the grass long. The roots grow deeper when the grass grows longer. Deeper roots mean the grass taps into groundwater deeper into the earth, so you won't need to water as much.

Indoor water conservation

  • Replace old faucets and shower heads. Upgrading to more efficient faucets and shower heads will significantly cut down on water usage. If you're concerned about water pressure in the shower, go with a shower head designed for such a purpose.
  • Use a shower bucket. When you're heating up water for your shower, catch it in a bucket and use it to water your indoor and outdoor plants. Or, take the opportunity to wash your tub with this water.
  • Only run the dishwasher when it's full. Many people don't want to wait to wash the dishes, but doing so will conserve a lot of water in the long run.
  • Turn off the faucet while brushing teeth and washing hands. These are habits that might take some time to break, but they're well worth the effort. Keeping the water running while washing your hands and brushing your teeth uses exponentially more water than is needed.
  • Go to the car wash. Instead of washing your car at home where the water you use runs off into the ground, head to a car wash that utilizes recycled water to wash cars.
  • Wash dishes by hand efficiently. If you don't own a dishwasher or only have a few dishes that need to be washed, do so efficiently. Don't keep the water running while you're scrubbing the dishes, or fill the sink with a couple inches of water and use this for washing all the dishes you have.





Posted by Julianne Krutka on 6/2/2017

Investors take note! This large 3 family home needs extensive rehab but could be a good money maker! Located on a dead end street and on a lovely level fenced in lot, you'll not have any trouble finding good tenants for this location! Fix and flip or fix and rent, either option means $$ for you! This needs to be a cash sale. Home being sold strictly "as-is" with contents. Inspections will be for informational purposes only, seller will make no repairs or improvements. Please note, The city of Springfield has issued some code violations related to the cosmetics on the exterior of the home that will need to be addressed quickly, details attached to listing in MLS. Motivated seller, bring us an offer today!

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Posted by Julianne Krutka on 6/2/2017

Welcome to Hampden Village - a retirement community for persons aged 55 years of age or older. This well kept home in the Village features two bedrooms and 1.5 baths. The open kitchen/living/dining areas are located in the middle of the home while the bedrooms are at either end. This home has a newer roof and replacement windows. Newer wall to wall carpeting too! The three season porch is insulated and offers a lovely area to enjoy outside of the home. This home has tons of storage with the built in hutch in the dining area and built in dresser in the front bedroom. The half bath is also included in the front guest bedroom. The park lot fee is 379.00/month and includes water and trash pickup and use of common areas including the newly remodeled club house and the heated inground pool! This is a well kept home in one of the most sought after retirement communities in Western MA! Call to set up your private showing today!

More Info on this Property | New Listing Alerts