Rachel Hillman Foy - Hillman Homes



Posted by Rachel Hillman Foy on 12/13/2017

After you submit an offer on a home and complete a property inspection, there may be only a short amount of time until you close.

Ultimately, it pays to prepare for closing day. If you start planning for your home closing today, you can identify and address any potential problems.

To better understand how to get ready for a home closing, let's take a look at three questions to consider before your closing.

1. What needs to get done before my closing date?

Your closing date may be a few weeks away, but time moves quickly, particularly for a homebuyer who wants to get into a new residence as quickly as possible. Fortunately, homebuyers who understand what needs to get done prior to a closing can plan accordingly.

Typically, a homebuyer will need to secure homeowners insurance and title insurance before closing on a house. Insurance companies are available to provide information about both types of insurance. If you reach out to these companies immediately, you can guarantee that your home and personal belongings will be covered against loss or damage.

You'll need to contact utilities providers as well. That way, you can ensure that your gas, electric and other utilities are good to go as soon as you close on your home.

2. How much are my monthly mortgage payments?

You know that you've been pre-approved for a mortgage. However, if you don't know how much that you'll be paying for your home each month, you'll certainly want to find out sooner rather than later.

Monthly mortgage payments can add up quickly, particularly for homebuyers who fail to budget properly. If you know exactly how much that you'll be paying each month for your home, you can effectively map out a budget.

3. What do I need to bring to my closing?

Homebuyers are required to bring a government-issued ID to a closing. In some instances, you may need to provide a certified or cashier's check to cover assorted closing costs as well.

If you are unsure about what to bring to a home closing, it often helps to consult with a real estate agent. In fact, this housing market professional can help you seamlessly navigate all stages of the homebuying cycle.

Prior to a home closing, a real estate agent is happy to respond to any concerns or questions that you may have. This housing market professional will explain how the home closing process works, how long the process generally takes to complete and, perhaps most important, when you'll receive the keys to your house.

A real estate agent also goes above and beyond the call of duty to provide assistance throughout the homebuying journey. He or she can help you compare and contrast a broad range of houses, submit a competitive offer on a home and ensure that you can discover your dream residence in no time at all.

Get ready for a home closing consider the aforementioned questions, and you can prep for your closing date.




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Posted by Rachel Hillman Foy on 12/11/2017

OPEN HOUSE SUNDAY December 17th, 12-12pm. Get your perfect slice of Newton in Farlow Hill! Gorgeous Tudor with slate roof that has been meticulously renovated in the 1970s and loved by one family for almost 50 years. Enjoy over 5400 sq ft of living space with exceptional craftsmanship and design. Enter the home into an elegant foyer with stunning hardwood floors and grand staircase. The first floor showcases distinctive details in the many rooms: dining room, living room, sitting room, sun room, den and updated kitchen, which includes granite counters, dining area, beautiful custom cabinets and new fridge, washer and dryer. Additional features: 4 bedrooms, 3 full baths, 3 half baths, central air, new heating system, several fireplaces and many unique nooks of living space. 3rd floor bonus space. Huge finished lower level with billiard room, office, and family room with walk-out to terraced and private fenced back yard situated on almost 1/2 acre. Fabulous oversized 3 car garage.

More Info on this Property | New Listing Alerts




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Posted by Rachel Hillman Foy on 12/6/2017

Home insurance is a must for any homebuyer. However, getting the right coverage at the right price may seem impossible, particularly for those who are buying home insurance for the first time.

Fortunately, we're here to help you take the guesswork out of buying home insurance. Here are three tips that you can use to obtain the right home insurance coverage for your residence.

1. Understand What a Homeowners Policy Covers

Homeowners insurance offers protection against damage to your property and personal belongings. It also safeguards you against liability for any injuries or property damage that you may cause to other people.

Typically, homeowners insurance offers a package policy that ensures you are protected against natural disasters and other unforeseen risks. On the other hand, homeowners coverage does not protect you against every possible danger. And in some cases, you may need to buy additional coverage to supplement your homeowners policy.

For instance, a homeowner who lives in a floodplain likely will need to purchase flood insurance, as a homeowners policy does not offer flood coverage. Or, if you own a trampoline or your home features a swimming pool, you may need additional coverage as well.

Speaking with an insurance agent will allow you to learn about the ins and outs of a homeowners policy. If you ever have concerns or questions about homeowners insurance, a home insurance professional will be able to respond to your queries at any time.

2. Get Multiple Home Insurance Quotes

When it comes to finding home insurance, it pays to shop around. By doing so, you'll be able to get multiple home insurance quotes and find the best coverage at the best price.

Meeting with at least three home insurance companies usually is a good idea. This will enable you to find out how home insurance will impact your monthly expenses and receive responses to all of your home insurance queries.

3. Don't Forget About Preventative Measures to Supplement Your Home Insurance

Homeowners insurance offers protection in a number of areas, and ultimately, provides a great option to safeguard your property and belongings against risk. Furthermore, there are many quick, easy ways to minimize risk without having to increase your homeowners insurance coverage or add supplemental insurance.

For example, if you own a large collection of antique coins, it may be worthwhile to purchase a safe to secure these items. Also, if you buy a security system for your home, you can safeguard your residence and belongings against theft and may be able to get a discount on your home insurance too.

Purchasing home insurance is a major decision, and if you need extra help along the way, your real estate agent may be able to point you in the right direction.

Your real estate agent may have home insurance contacts, and as such, can connect you with these contacts instantly. Thus, you can move one step closer to buying home insurance that enables you to safeguard your property and belongings both now and in the future.





Posted by Rachel Hillman Foy on 11/29/2017

Trying to get your house ready for the real estate market? Ultimately, a home appraisal can help you set a fair price for your residence, thereby boosting your chances of a quick home sale.

During a home appraisal, a property inspector will evaluate your residence both inside and out. Then, this inspector will provide you with a report that details his or her findings, along with an estimated value of your residence.

With a home appraisal report in hand, you can establish home improvement priorities. Plus, you can enter the housing market with a good idea about your house's value and price your residence accordingly.

Clearly, there are many reasons to complete a home appraisal. But it also is important to do everything possible to get your house appraisal-ready to increase your chances of getting a high appraisal.

For those who are struggling to get their homes appraisal-ready, we're here to help.

Now, let's take a look at three tips to help you prep your residence for an appraisal.

1. Take an Objective View of Your Residence

Consider how a homebuyer may see your house you'll be glad you did. If you take an objective approach to selling your residence, you may be able to identify various problem areas before you list your house.

For example, cracked or chipped home siding may seem like a minor issue to you, but this problem can affect how homebuyers perceive your house. Conversely, if you fix cracked or chipped siding before a home appraisal, you can increase the likelihood of a favorable appraisal.

2. Spend Some Time Cleaning Your House

A tidy house is a pristine residence, one that will surely stand out to homebuyers. Meanwhile, if you allocate some time to clean your residence, you may be able to identify potential home problems that otherwise could hurt your residence's value.

If you need extra help with home cleaning, it certainly pays to hire a professional cleaning company. This business hires friendly, experienced staff members who will help you enhance your house's interior and exterior in no time at all.

3. Consult with a Real Estate Agent

Getting a house appraisal-ready may prove to be costly and time-consuming. Fortunately, if you hire a real estate agent, you can receive extensive support as you prep your residence for an appraisal.

A real estate agent will examine your residence before an appraisal and offer honest, unbiased home improvement recommendations. In addition, he or she can put you in touch with the top property inspectors in your area to guarantee that you can receive a comprehensive appraisal.

Perhaps best of all, a real estate agent acts as a home selling guide. This housing market professional is ready to respond to your home selling concerns and questions and will do whatever it takes to ensure you can maximize the value of your residence.

Move one step closer to selling your house use the aforementioned tips, and you can streamline the process of getting your home ready for an appraisal.




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Posted by Rachel Hillman Foy on 11/22/2017

When it comes to selling a house, it helps to plan ahead. By doing so, a home seller can identify and resolve potential home selling hurdles right away.

With the right approach to selling a house, any seller can minimize problems along the way. In fact, the right approach may increase the likelihood that a seller can enjoy a speedy home selling experience.

Now, let's take a look at three tips to help sellers streamline the home selling journey.

1. Price Your House Competitively

What is your house really worth? This question is difficult to answer for a home seller, as many factors impact the value of a home.

A home's age and condition likely will play important roles in your residence's value. Furthermore, external factors like the crime rates in the city or town where your home is located or your house's proximity to parks and schools may affect your residence's value.

To establish a competitive price for your house, you'll want to study the local housing market. Look at the prices of available houses that are similar to your own; this data can help you define a competitive initial asking price for your residence.

In addition, it frequently helps to perform a home appraisal. During a home appraisal, a property expert will assess your house and provide a property valuation. Then, you can use this valuation to determine the ideal asking price for your house.

2. Conduct a Home Inspection

Although a home inspection generally is completed after a seller accepts a buyer's offer on a house, there is no need to wait. Instead, a home seller can conduct an inspection prior to listing a residence to learn about a house's strengths and weaknesses.

Review the results of a home inspection closely you'll be glad you did. After a home inspection, you can identify any underlying problems with your house and take the necessary steps to resolve these issues. That way, you can prevent such problems from cropping up after a buyer submits an offer on your house.

3. Hire a Real Estate Agent

If you are unsure about how to price your house or complete other home selling tasks, there is no need to worry. Remember, you can always hire a real estate agent who can provide plenty of support throughout the home selling journey.

A real estate agent understands the ins and outs of selling a house. As such, this housing market expert can teach you about the real estate sector and ensure you can achieve the best possible home selling results.

Typically, a real estate agent will set up home showings and open house events, negotiate with a buyer's agent on your behalf and simplify the home selling cycle. With a real estate agent at your side, you should have no trouble receiving expert responses to your home selling questions too.

Ready to add your house to the real estate market? Use the aforementioned tips, and you can reap the benefits of a speedy home selling experience.




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Rachel Hillman Foy