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


Posted by Julianne Krutka on 10/19/2017

Regardless of whether you're buying or selling a home, it is important to keep your house looking great at all times. By doing so, you'll be able to boost your home's appearance and maintain or increase your house's value for years to come.

A professional cleaning service remains a popular choice for homeowners, as this service makes it easy for homeowners to enhance the quality and appearance of a residence. Finding the right home cleaning service, however, may seem like an uphill climb, particularly for homeowners who are searching for a professional cleaning service for the first time.

Lucky for you, we're here to take the guesswork out of finding the right home cleaning service – here are three tips to streamline the process of discovering the ideal professional cleaning service.

1. Ask Friends and Family Members for Help

Friends and family members serve as valuable resources, especially if you're searching for a home cleaning service. These loved ones may be able to offer recommendations based on their past professional cleaning service experiences, ensuring you can find a terrific home cleaning service in no time at all.

Ask friends and family members about their past home cleaning service experiences. This may allow you to find a trusted professional cleaning service, one that can help you transform your ordinary residence into a dazzling one.

2. Browse Customer Reviews

Professional cleaning services are readily available nationwide, so how can you differentiate a great home cleaning service from a mediocre one? Customer reviews, of course!

Yelp, Angie's List and other home service review websites can help you take the guesswork out of finding a professional cleaning service. These websites publish positive and negative home cleaning service reviews from customers, ensuring you can gain insights into various professional cleaning services that you may struggle to obtain elsewhere.

Spend some time browsing customer reviews online – you'll be glad you did! If you explore customer feedback from across the web, you can better understand what separates a wonderful professional cleaning service from a subpar one.

3. Get Support from a Real Estate Agent

Real estate agents offer expert tips and guidance to homebuyers and home sellers alike. As such, they understand the best home cleaning services in numerous cities and towns and are happy to help you discover the perfect professional cleaning service.

Furthermore, real estate agents may be able to help you find a home cleaning service that fits your schedule and budget. These agents understand that is paramount to employ a professional cleaning service that is available at dates, times and prices that work for you. Thus, real estate professionals will go above and beyond the call of duty to help you discover the right home cleaning service at any time.

A home cleaning service ensures you can eliminate dust, debris and odors from your residence. And if you dedicate the necessary time and resources to hire a professional cleaning service today, you can minimize such problems both now and in the future.




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Posted by Julianne Krutka on 10/12/2017

If you’re planning on buying a home in the near future and are confused about many of the terms associated with mortgages, you’re not alone. Real estate is its own industry with its own set of processes, terms, and acronyms. If you’re new to the home buying process, there can be somewhat of a learning curve to understand what each of these terms means.

Since buying a home is such a huge investment and life decision, there’s a lot of pressure on home buyers to make sure they get everything right. This makes for a stressful situation for buyers who don’t feel like they understand the terminology of things like mortgages, appraisals, credit reports, and other factors that contribute to the home buying process.

To alleviate some of those concerns and to make the home buying process run more smoothly, we’ve compiled a list of the most common, and most commonly confused, real estate words, terms, and acronyms. That way, when you’re talking things over with your real estate agent or your mortgage lender, you’ll be confident that you understand exactly what’s being considered.


Read on for our real estate terminology glossary.

  • Adjustable rate mortgage (ARM) - This is one type of home loan. Mortgage rates with this type of loan fluctuate throughout the repayment term of the loan. The fluctuation is based on a market indicator.

  • Fixed rate mortgage (FRM) - Another type of home loan, a fixed rate mortgage has a rate which does not fluctuate, remaining constant for the life of the term, most commonly 15 or 30 years.

  • Appraisal - An appraisal is the determination of the value of a property. Appraisals are used when purchasing and selling a home, as well as when refinancing a home loan. Appraisers are required to be licensed or certified in each state and are usually paid for by the lender.

  • Appreciation - An increase in a property’s value, most commonly due to market inflation, or the general increase in home prices over time.

  • Depreciation - A decrease in a property’s value, due to either market deflation (uncommon) or the wear and tear on a home that comes with age.

  • Closing costs - The costs and fees that a buyer is responsible for when purchasing a home or taking out a mortgage. These include underwriting fees, inspections, appraisals, transfer taxes, and more. Closing costs typically range from 2% to 5% of the total loan amount.

  • Contingency - Home purchases have contracts to protect the interest of the buyer, seller, and lender. Contingencies are provisions designed to protect the buyer or lender should something occur in the time leading up to closing on (or purchasing) the home. One common contingency is the buyer’s right to have a final inspection of the home before closing to ensure no new issues with the home have occurred.

  • Private mortgage insurance (PMI) - Buyers who cannot afford a down payment of %20 typically are required to take out a private mortgage insurance policy. This policy protects the lender should the borrower default (fail to repay or meet the conditions of their loan).






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Posted by Julianne Krutka on 10/11/2017

Location, Location, Location! Sure this house needs some love, but you can't beat the location! Located on a dead end street off the upper part of Morgan Rd this single owner home sits on nearly an acre lot! The sunroom on the back of this house will provide you with a beautiful view of the wildlife that traverses this property! This home has a unique layout and at 1600+ sq ft there is plenty of room to spread out. Bring your ideas for making this home your own and build instant equity with your personal touches! This home features a super sized fireplaced living room, a spacious kitchen, two large bedrooms and a third room that could be another bedroom, or a dining room or an office, whichever you prefer! The massive basement could be finished and could potentially add at least another 1000sq ft of living space. And did I mention the sunroom that over looks this huge back yard? Sale includes updated Buderus Boiler! First Showings will be on SATURDAY, 10/14 from 11-12:30.

More Info on this Property | New Listing Alerts





Posted by Julianne Krutka on 10/5/2017

For the generation that grew up at the height of the subprime mortgage crisis, buying a home is a scary concept. Many young people in the 18-34 age range are dealing with high rent, a poor job market, unpaid internships, and student loans the size of a home loan. Yet, others are finding their footing and realizing that owning a home is advantageous in the long run. If you're thinking of delving into the world of home ownership for the first time here's a crash course in Home Buying 101.

Figure out your finances

You should be an expert at you and your significant other's personal finances if you are thinking about buying a home. The first thing to look at is your income and expenditures. Put the following information in a spreadsheet:
  • Total monthly income
  • Total monthly expenditures (bills, gas, food, etc.)
  • Total monthly savings
  • Total savings and assets
  • Credit and FICO score (request both of these online)
When crunching these numbers you should (hopefully) find that your income is higher than your expenditures and your savings should account for most of the difference. If your savings is lower than it should be, you either missed something on the expenditures list or you are spending more than you should be if you want to buy a home. Down Payments Down payments on a home, post-financial crisis, range from anywhere between 0-25 percent of the price of the home, 20 being the median. A down payment ideally shouldn't break your savings in case you have any unforeseen expenses once you buy your home. Moving is time-consuming and can be pricey, so you'll need to account for this in your finances.

Lock Down Your Financing

There are several types of mortgages that you'll need to choose from, and you'll want to learn about fixed and adjustable mortgage rates. This information should be informed by your long-term plans. Are you looking for your first home or your forever home? If you don't plan on fully paying off the home you might look for a low, adjustable rate while you earn money. But if you want to stay in your home until it's paid off, a fixed rate might be better for you.

Finding and buying your home

Once you've determined your price range, start thinking about things like location and the kind of home you can afford. If you're handy with tools and have the time, it might be in your best interest to buy a home than needs some work at a lower cost. If you'd rather put in more hours at work, go with the home that needs less work and save money that way. Depending on whether or not you're in a buyer's market or a seller's market, the ball can be in your court or the seller's. In a seller's market, which is more likely today in many parts of the country, the seller will have more leverage in negotiations, including closing dates and move-out dates. Due to high competition, you should also be prepared to miss out on some offers. But be patient, and you should find the home you're looking for.  





Posted by Julianne Krutka on 9/28/2017

Selling a condo may seem like a tall task, particularly for those who plan to list a property on the real estate market for the first time. However, condo sellers can take the guesswork out of listing a property and maximizing its value if they consider a few simple questions, such as:

1. How Much Is My Condo Worth?

The price that you paid for your condo initially is unlikely to match your property's worth today. As such, you'll want to conduct plenty of research into the real estate market to assess your condo's worth and price your property accordingly.

Hiring a home appraiser is ideal, as this professional will be able to evaluate your residence and establish a value for it. Plus, a home appraiser can help you identify any "red flags," i.e. problem areas that may prevent you from maximizing the value of your condo.

Don't forget to assess the prices of similar condos in your area too. By doing so, you can get a better idea about how much comparable residences are selling for in your city or town and set a competitive price for your residence.

2. What Sets My Condo Apart from Others That Are Available?

Before you add your condo to the real estate market, you'll want to consider features that may help your property stand out from others that are available.

For example, if you live in a condo community that offers access to a swimming pool and tennis courts, you'll want to include this information in your property listing. Or, if your condo provides a reserved parking spot for you and additional parking for guests, you'll want to provide condo buyers with these details as well.

As a condo seller, you'll want to do whatever you can to differentiate your property from others, regardless of whether you list your residence in a buyer's or seller's market. If you highlight features that help your condo stand out, you can stir up significant interest in your residence as soon as it becomes available.

3. How Can I Optimize the Value of My Condo?

Unfortunately, the real estate market can be unpredictable. And even if you perform ample housing market research, there is no guarantee that you'll be able to streamline the condo selling process and maximize the value of your residence. But if you hire a real estate agent, you can boost your chances of selling your condo.

A real estate agent may boast many years of condo selling experience and understand what it takes to generate interest in a property. He or she also will be able to provide valuable tips and guidance to ensure that you can list your property at the right price in any real estate market. In addition, if you ever have concerns or questions about selling your condo, your real estate agent will be able to respond to your queries without delay.

Employ a real estate agent to help you sell your condo, and you can move one step closer to maximizing the value of your property.




Tags: condo   condo fees  
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