Wanda J. Hall - Westford Real Estate



Posted by Wanda J. Hall on 10/14/2019

If the nerd in you comes out as soon as someone starts talking numbers, you might find yourself wondering how hard it is to create a mortgage calculator. Technically called an amortization calculator, the numbers you put into the calculation tell you what your payment each month breaks down to in terms of what goes to the principal (the amount to pay down your loan) and interest (the money the lender makes for loaning you the money).

Getting set up

You can download a spreadsheet to fill in for Excel or Numbers. If you don’t use Excel or Numbers, you can create one in Google sheets (a free online spreadsheet program with a Google account). You will also need a few numbers to set up your amortization schedule.

  • The loan amount. This is the amount you intend to borrow. So, in general, it will be the amount of the sales price of the home minus the down payment. It might include some of the closing costs or points, or other amounts so bear that in mind and adjust your calculator once you get the final numbers at closing.
  • The annual interest rate. For a fixed-interest mortgage, this amount will remain the same throughout the life of the loan. For a variable interest or adjustable loan, each time the rate changes, you should set up a new table going forward.
  • The loan period. Usually, you calculate this in years, so even if your loan is for a partial year, express it in decimals. So, fifteen years and six months would be 15.5.
  • The number of payments per year. Usually, this number is 12 since you make payments every month. In rare cases or for particular types of loans, it could be 4 for quarterly payments or even one if you only pay one time each year.
  • You also need the start date of the loan. Typically, loan calculators assume that the first payment is due at the beginning of the next month after the start date.
  • Optional extra payments. Some calculators also have a formula for voluntary additional payments. For example, if you want to pay off your mortgage to coincide with your retirement, you could try various additional payments until the loan zeros out on that date. That way, you would know exactly how much extra to pay each month to achieve your goals.

These calculators do not account for taxes and insurance since those numbers are subject to change even though you pay them with your monthly payment. If you have questions about how to use a mortgage calculator or how to figure out what your payments might be, speak with your lender for a detailed explanation.




Tags: Mortgage   loans   home buyers  
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Posted by Wanda J. Hall on 10/7/2019

Ready to transform an ordinary kitchen into a stellar one? With a kitchen cleaning checklist, any home seller can revamp a kitchen's look and feel.

Ultimately, there are several things to include in a kitchen cleaning checklist, such as:

1. Countertops

If you cook regularly, your kitchen countertops may become messy. Plus, if you store a wide range of items on your kitchen countertops, these items may collect dust over time.

Fortunately, it usually doesn't take long for a home seller to clean kitchen countertops and improve their overall appearance.

It may prove to be worthwhile to clean the kitchen countertops daily. Wiping down the countertops regularly ensures that dust and debris can be eliminated before they cause long-lasting damage.

Furthermore, don't forget to eliminate as much clutter as possible from your kitchen countertops. This will enable you to show off the true beauty of your kitchen countertops, thereby increasing the likelihood that potential homebuyers will be impressed by your home's kitchen.

2. Floors

If food particles fall onto the floor while you're cooking – and you fail to clean them up in a timely fashion – serious problems may arise in your kitchen. However, a diligent home seller will know how to keep the kitchen floors looking great at all times.

Cleaning the kitchen floors typically is a weekly task that may require just a few minutes to complete.

If you have tile floors in your kitchen, warm water can be used to wipe down the floors as needed. Also, sweeping or vacuuming tile floors will enable you to get rid of loose soil and grit.

Comparatively, if you have hardwood floors in your kitchen, boiling water may prove to be essential. Wash your kitchen's hardwood floors thoroughly, and you can enhance their appearance in no time at all.

3. Sink

Believe it or not, the kitchen sink can make a world of difference in the eyes of potential homebuyers. If you dedicate the necessary time and resources to clean the kitchen sink, you should have no trouble impressing homebuyers any time they check out your house's kitchen.

Using a general-purpose cleaner is all it takes to clean a kitchen sink. After you apply the cleaner, wipe the sink dry, and you're good to go.

Daily kitchen sink cleaning is paramount. If you spend even a few minutes each day cleaning the kitchen sink, you can maintain the sink's appearance both now and in the future.

If you need additional help with kitchen cleaning, don't hesitate to reach out to a home cleaning company for assistance. This business hires professionals who understand the ins and outs of cleaning a kitchen – as well as other areas of a home – and will help you revamp a house's appearance.

Lastly, feel free to contact a real estate agent for support throughout the home selling process. With an expert real estate agent at your side, you can boost your chances of getting the best price for your residence.





Posted by Wanda J. Hall on 9/30/2019

Your ultimate goal as a home seller is to make your residence as desirable as possible to potential buyers. If you transform your house into a must-buy, you could reap the benefits of a quick, profitable home selling experience.

To better understand how to enhance your residence before you list it, let's take a look at three tips to help you transform your home into a must-buy.

1. Upgrade Your House's Interior

Consider how buyers may perceive your residence as soon as they walk through your house's front door. Then, you can prioritize home interior upgrades.

By cleaning each room of your house, you can enhance your residence's interior. If you need help with home cleaning, you can always hire professionals to assist you, too.

Also, it may be beneficial to add a fresh coat of paint to the walls in your bedroom or other areas of your house. Because if you can make it easy for buyers to fall in love with your home's interior, you could speed up the property selling journey.

2. Perform Home Exterior Repairs

Curb appeal may play a key role in your home selling experience. If you residence boasts outstanding curb appeal, you may be able to differentiate your home from other available houses in your city or town.

To improve your residence's curb appeal, you may want to repair or replace any damaged home siding. In addition, mow the lawn and trim the hedges, and you can show off the true beauty of your house's lawn.

You may want to remove any lawn ornaments or decorations from outside your house as well. That way, buyers may be better equipped than ever before to envision what life may be like if they purchase your residence.

3. Eliminate Clutter

Clutter may fill up various rooms throughout your home. If you want to achieve the best-possible home selling results, now may be a great time to eliminate as much clutter as you can.

If you have items you no longer need, you can always sell these items or give them to friends, family members or local charities. On the other hand, if you have assorted personal belongings you want to keep outside your house, you can rent a storage unit.

As you get set to embark on the house selling journey, you may want to hire a real estate agent. With a real estate agent at your side, you can transform your residence into a must-buy in no time at all.

A real estate agent understands all aspects of the home selling journey. He or she will offer tips and recommendations to help you promote your residence to dozens of prospective buyers. Plus, a real estate agent is ready to respond to any of your home selling concerns and questions.

Allocate time and resources to upgrade your home, and you could generate lots of interest in your residence as soon as you list it.




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Posted by Wanda J. Hall on 9/26/2019

Ground level studio apartment in building with other units. This apartment building is located in a nice area close to Rt 2 and easily accessible to Rt. 2 and Rt 495. Newer carpet in hall and living room. Newer electric stove and new refrigerator.

This property features 2 total rooms, 1 full bath, 1 bedroom, and is currently available for $750.

For complete details click here.




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Posted by Wanda J. Hall on 9/23/2019

Do you hate running late for work in the morning, late to a meeting, late to dinner with friends? Who doesn’t? Maybe you can’t find your keys, your outfit wasn’t clean or pressed, or it just took you a long time to get ready because all the tools you need got strewn about the house. There easy ways your lifestyle and habits at home might be driving you crazy and adding more stress to your life. What are some simple steps you can take to help keep your sanity? Here are some ideas. 

Stop Losing Your Keys — Hands down one of the most significant stressors before work in the morning is misplaced keys. It might seem like a simple solution, and it is, but by merely designating a specific area to leave your keys every time you come home you can significantly reduce your stress and save time. Your designated space could be a hanging key rack by the door, a bowl on the entry-way table or tray on the breakfast bar. Designate a spot and practice getting in the habit of placing your keys there every time you come home, and you’ll find you save a lot of time and headache when you head out somewhere. 

Keep Your Phone Charged — A dead or dying phone can also keep you always running late. You’re ready for work or to go to the movies when you see your phone is at 1% and you’ll need to wait ten minutes to leave so you can charge it. The first step is to make sure you have fully functioning chargers. The second is to designate the primary place to charge your phone but also to have additional locations to plug-in around the house. Maybe you always charge on your nightstand at night but need a place in the kitchen or living room to plug-in so you can easily connect your phone when you get home from work. If you only have one place, you might end up moving the cord around the home and forget where it is, or you’ll give up on charging because the cable is all the way upstairs.

Stay on Top of Laundry — Not having the right clothes throws another wrench in your day. Instead of designating one day each week to knock out all your laundry try doing a little each day or every other day, so you always have most of your clothing clean. Daily washing will make you less likely not to have the outfit you need or want, for that important meeting or date.

Keep your tools organized — Not your hobby tools, the tools you need to get ready to go out each day. Whether it’s in your bathroom, at a vanity or on top of your dresser try to make sure everything you need daily is in one place. Keep your comb and hair products, perfume or cologne, makeup and brushes and accessories where you can easily find and use them. Don’t take your makeup or hair products to a different room or get ready on the couch instead of at the mirror. Create the habit of getting prepared in the same place in your home each day, so you always know everything you need will be there when you need it. 

These are just a few simple steps to reduce some of the stressors in your daily life. Start with these basics to gain a bit more time and peace of mind. If you can manage your regular stressors, you’ll have more head-space to worry about the big stuff like that next promotion or your new home search.




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