Elena Langlois - Compass Massachusetts, LLC



Posted by Elena Langlois on 3/21/2019

Aside from your realtor, your lender will be one of the people that you work the most closely with when youíre buying a home. Before you even sign on with a lender, thereís a few questions that you should ask. Donít feel pressure from a certain lender before you understand what their areas of expertise are. You donít want to end up with homebuyerís remorse because you didnít do the right research before you signed the deal on a home.   


Can You Tell Me About Programs For First Time Homebuyers? 


There are so many great programs for first-time homebuyers. If the lender you choose canít help you with these programs, maybe this isnít the right lender for you. If your lender lacks knowledge in the areas that you need, you probably want to shop around.


How Can You Help Me Qualify For The Loan I Need?


Many times, loans have very specific qualifications that you need to meet. Even if you think you might not meet those requirements due to things like a low amount of down payment or a job change, your lender can often help you to find the details in your situation to help you qualify for a loan. For example, you may have recently changed jobs, but if you have stayed in the same field, your lender can help you to explain these circumstances so that you can still qualify for the loan. 


Are There Downpayment Assistance Programs Available?


There are also many programs and loan types available to help buyers get a home with less than a 20% downpayment. Some loans offer good interest rates with less than a 20% downpayment. There are also many grants and downpayment assistance plans available. Itís important to ask questions to know the right information for your loan circumstances.


What Fees Do You Charge?


Some lenders do charge an array of fees. You donít want to sign on with a lender and then close on the loan, only to find out that youíre knee-deep in fees in addition to all of the closing costs that you have to pay along with the home purchase. 


How Will You Communicate With Me


Just like your Realtor, itís important that your lender communicates with you in a timely manner. Buying a home requires that documents and offers are in on time to secure your home. Donít let anything fall through the cracks by hiring people on your home search that may lapse in their communication with important information.




Tags: loans   mortgage lenders  
Categories: Uncategorized  


Posted by Elena Langlois on 3/14/2019

After you receive an offer on your home, how should you respond? Ultimately, there are many questions for a home seller to consider before accepting a proposal, including:

1. What is my home worth?

Did you get your home appraised before you added it to the real estate market? If so, you may want to review a home offer in contrast to your home appraisal. This will give you a better idea about whether the offer is "fair" based on your home's condition.

If you have not received a home appraisal, there's no need to worry. In fact, there are many ways to assess your home to determine whether to accept or decline a proposal.

Check out the prices of comparable residences in your city or town. This will enable you to see how these houses are priced and better understand how to proceed with an offer.

Also, review the prices of homes that recently sold in your area. With this information, you can learn about the current state of the housing market.

2. Are there any other offers to consider?

As a home seller, you'll likely have 24 to 48 hours to respond to an offer on your residence. But if you receive multiple offers at the same time, you'll want to evaluate these proposals in conjunction with one another.

Even if you receive two offers for the exact same price, these proposals may differ.

For example, a homebuyer who has financing in hand will be able to streamline the process of going from homebuyer to homeowner. On the other hand, a homebuyer who submits an offer without financing in hand may require additional time to secure a mortgage from a bank or credit union.

Take a close look at all of the offers on your home. Review these proposals with a fine-tooth comb, and you'll be able to make an informed decision.

3. Does this offer meet or exceed my expectations?

An offer on your home may fall short of your initial asking price, but this offer can still meet or surpass your expectations.

Consider what you hope to accomplish as a home seller as you review an offer.

For instance, if your goal is to sell your home as quickly as possible, you may be more inclined to accept one of the first offers you receive. Or, if you can afford to remain patient, you may want to take a wait-and-see approach to ensure you get an offer that matches or exceeds your initial asking price.

4. What will happen if I accept the offer?

After you accept an offer on your home, a homebuyer likely will want to complete a home inspection.

If the home inspection goes well, the homebuyer probably will proceed with his or her purchase. If it does not, you may need to complete home maintenance or repairs to finalize the purchase agreement.

Remember, if you accept an offer, there are still several steps that will need to be completed before you sell your house. With an expert real estate agent at your side, you'll know exactly what to expect at each stage of the home selling process.




Categories: Uncategorized  


Posted by Elena Langlois on 3/13/2019


15 Royalston Ave, Winchester, MA 01890

Single-Family

$1,550,000
Price

10
Rooms
5
Beds
3/1
Full/Half Baths
This distinctive, updated colonial accents today's more casual lifestyle with a spacious, open floor plan, hardwood floors, and a kitchen you'll fall in love with - maple cabinets, granite counters, a huge island to seat 6+, & breakfast counter overlooking the fireplace living room. Immense dining room w/butler's pantry/2nd sink & dishwasher. The amenities continue with a 1/2 bath, 1st floor guest room, & office w/pocket doors to provide solitude from a busy household. The 2nd floor has 3 bedrooms, bath, huge laundry room, & a truly luxurious master suite w/large walk-in closet & cathedral ceilinged bath w/soaking tub, double sinks, make-up table, and large glass shower. The lower level has a huge mudroom off the 2 car garage, & large family room & bath. But wait, there's more Ė sliders from the kitchen lead out to a mahogany deck & a gorgeous built-in pool. A truly great Winchester home in which to live, to entertain, and to enjoy for many years to come! Muraco School!
Open House
Sunday
March 17 at 1:00 PM to 2:30 PM
Cannot make the Open Houses?
Location: 15 Royalston Ave, Winchester, MA 01890    Get Directions

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Categories: Open House  


Posted by Elena Langlois on 3/7/2019

When it melts in your mouth, it tastes is so good! Men hoard it, kids always want more, women adore it, and for most people, Valentine's Day isn't complete without eating it. Wondering what that could be? It is the beloved, darling chocolate.

Chocolate is food produced from the seeds of a cocoa bean, and it is a crucial ingredient of different desserts like cake, candy, ice-cream, etc. Chocolate has some fun facts that are not well known. Here are some of them:

1. The chocolate bar is more than 100 years old. The original chocolate bar was made in England way back in 1842, by the Cadbury Company. This company still exists and is famous for its delicious Easter-themed chocolates treats amongst other different assortments of goodies.

2. Cocoa beans once served as currency. Cocoa beans were so valuable to early Mayans and Aztecs that they used them as currency. The Aztecs could buy a turkey for 100 cocoa beans, a rabbit for four cocoa beans, and so much more.

3. Chocolate is food for the gods. The botanical name of Cocoa, "Theobroma cacao" means food of the gods.

4. A chocolate bar could cost more than an iPhone X. The world's most expensive chocolate bar is the "Wispa Gold." It is wrapped in an edible gold leaf and costs a staggering $1,430 per bar.

5. Chocolate prevents heart disease. Eating dark chocolate can decrease the odds of suffering heart disease by over 30 percent. Also, dark chocolate improves blood flow and lower blood pressure. However, overeating chocolate is also bad for health.

6. A chocolate bar could weigh more than an SUV. The world's biggest chocolate bar weighed 5,792.50 kg. Created by Thorntons PLC, the ingredients used for making this massive bar of chocolate were sugar, milk, butter oil, cocoa butter, emulsifier, and cocoa mass. 

7. Africa is the new home of cocoa. Despite its Amazonia roots, nearly 70% of the world's supply comes from Africa. Cote d'Ivoire is the largest single producers providing about 30% of the world's cocoa.

8. Making chocolate is hard-work. Eating a bar of chocolate will probably take a few minutes, but making it takes time and require a lot of effort to finish. It takes four hundred beans of Cocoa to produce one pound of chocolate.

When next you are enjoying a cup of chocolate or a piece of chocolate pie, remember all these cool facts about it.




Tags: family fun   food  
Categories: Uncategorized  


Posted by Elena Langlois on 3/6/2019

This Single-Family in Melrose, MA recently sold for $551,000. This Cape style home was sold by Elena Langlois - Compass Massachusetts, LLC.


68 Granite St, Melrose, MA 02176

Mount Hood

Single-Family

$509,000
Price
$551,000
Sale Price

7
Rooms
3
Beds
1/1
Full/Half Baths
The home you've been waiting for! This sun filled updated Cape is highlighted by lovely fir and oak hardwood floors throughout. A versatile first floor layout features an open concept kitchen / dining room with breakfast bar, maple cabinets, new quartz countertops, and direct access to the deck for summer barbecues while overlooking the expansive backyard. A living room, sun filled office, bedroom and full bath complete the 1st floor. An attractive staircase leads to the second floor which offers two additional bedrooms with deep closets and a half bath. The lower level includes a laundry, a substantial workbench area, and lots of room for storage - or future finished space. Convenient access from the walkout basement to the backyard to enjoy outside activities, gardening or relaxing around the fire pit. This is the perfect starter home! New roof, 2015. Easy Commute: 3/10 mile to the bus stop that will take you to Oak Grove Orange Line or the Commuter Rail.






Categories: Sold Homes