Bernadette Calvario


Posted by Bernadette Calvario on 9/12/2018

Moving day; youíve waited months for this day to arrive, working hard to make sure you, your family, pets, and belongings are ready for the big move.

With all of the preparations and various people involved, itís easy for moving day to become dangerous.

To ensure that you and your family have a safe and smooth moving day, Iíve provided some tips that every mover should keep in mind.

Make plans for pets and young children

The last thing you want on the first day in your new home is to be wandering around the neighborhood looking for your dog who slipped away during the move. If possible, make arrangements for pets to stay with friends or family for moving day to make things easier.

If you need to bring your pets along, itís a good idea to put them in a ďplayroomĒ with their toys, water bowl, etc. while you have the door to the house open. Not only will it stop them from running out, but it will also prevent you from tripping over them while you carry the couch.

Donít be a hero

Itís our tendency to want to do a job ourselves if we want it done right. But, when it comes to moving, that philosophy can lead to a thrown out back and a damper on your plans.

When it comes to getting large and heavy objects in and out of the house, make sure you have at least one other person ready to lift with you.

Stack from heaviest to lightest

It may seem obvious, but in the confusion of a move, it can be easy to pack your truck or van in a less-than-ideal way. Rather than playing Tetris with your boxes, try to focus on weight instead. You donít want heavy boxes near the roof in case they fall on you or on your other belongings.

Place the largest and heavier items in the van first. This will allow you to plan the rest of the load around them, rather than having to move them around to make room.

Take a breather

As tempting as it may be, you donít have to finish everything in one day. As long as your truck is locked and secure, itís okay if you donít bring in every single box. Resting throughout the day and staying hydrated, especially when moving in the summer, will help you stay sharp and ready to keep working.

Have an emergency plan

If you take precautions, you most likely wonít have to worry about emergencies. However, accidents do happen and itís best to be prepared for them when they do. If you or a family member requires medication, make sure itís handy and that everyone knows where it is.

Similarly, label your first aid kit and keep it with your necessities during the move.


If you follow these tips, your moving day should be a simple and safe process and youíll be enjoying your new home in no time.




Categories: Moving Tips   Home Safety   moving day  


Posted by Bernadette Calvario on 9/7/2018


29 Olde Coach Rd, Westborough, MA 01581

Single-Family

$639,900
Price

12
Rooms
4
Beds
2/1
Full/Half Baths
You will be amazed when you step into this renovated home that maintains the charm of old and new.First floor master suite w/spa like master bath,marble floors,huge walk-in tiled shower,dual sinks w/Quartzite counters.The half bath on the first floor has its own stackable laundry w/separate built-in sink & granite counters.Brand new custom kitchen cabinets,high end ss appliances,marble back-splash,farmers sink,under cabinet led lighting, w/granite counters.The new wide pine kitchen floors flow into the family room w/a custom brick fireplace.The step down spacious living room is showcased by a brick fireplace w/custom decorative mantle and moldings that lead to a private sunlit office w/cathedral ceiling and skylight.The newer heated cathedral sunroom features recessed lighting,beadboard,& overlooks the private fenced in backyard.Upstairs you will find three good sized bdrms all with hardwood flrs.W/O finished LL offers media room,mudroom,&bonus rm. Stellar schools,close to T& major Rts
Open House
Sunday
September 09 at 11:00 AM to 1:00 PM
Before the patriots game come check out this move in ready home in one of Westboro's top neighborhoods!
Cannot make the Open Houses?
Location: 29 Olde Coach Rd, Westborough, MA 01581    Get Directions

Similar Properties





Categories: Open House  


Posted by Bernadette Calvario on 9/5/2018


13 Agawam Drive, Northborough, MA 01532

Single-Family

$465,000
Price

8
Rooms
4
Beds
2
Baths
A pleasant surprise tucked away on a private cul de sac location in a popular desirable neighborhood. Move right into this Spectacular home with extraordinary updates in 2018! New Maple custom kitchen with stainless steel appliances, tiled floors & back-splash, opens into formal rooms with, hardwood floors and slider to back deck that overlooks beautiful grounds! A great size master suite with full bath- shower, granite counters & tiled flooring. Two more additional bedrooms, hardwood floors and plenty of closet space and another updated full bath. New interior painting, moldings, doors, roof, garage doors , driveway and more! Lower level offers a spacious family room with brick fireplace, a walkout with sliders to back yard. A fourth bedroom or office, and a separate laundry room, all with new flooring. All of this in a very convenient hot location to local shopping, restaurants, the T, and major routes. Top notch schools! Don't miss out on this great opportunity!
Open House
Sunday
September 09 at 11:00 AM to 1:00 PM
Check out this wonderful home with many updates on a cul de sac in a great neighborhood! Top notch schools~
Cannot make the Open Houses?
Location: 13 Agawam Drive, Northborough, MA 01532    Get Directions

Similar Properties





Categories: Open House  


Posted by Bernadette Calvario on 9/5/2018


4 Hemlock Drive, Medway, MA 02053

Single-Family

$339,900
Price

6
Rooms
3
Beds
1
Baths
Fabulous opportunity to live in Medway with town water/sewer. Welcome Home to this wonderful one level living ranch with many continuous updates/maintenance through the years. Enter into the cozy living room with brick fireplace and bump out triple bay windows and opposite wall is an open picture window frame overlooking the spacious Dining room/ Kitchen. A fully applianced kitchen with stainless steel appliances, egress to back new deck for entertaining those Summertime barbecues and night time fires.....Recent improvements: deck, landscape, fresh interior painting, carpet, kitchen & bathroom floors...Three generous size bedrooms with a full bath. Lower levels offers a finished family room/game room with built-ins, bonus room or office with laundry area, work area and plenty of storage too! A great location and neighborhood setting with one of the larger size lots! Very desirable schools and commuting to major routes, shopping and more!
Open House
Sunday
September 09 at 2:00 PM to 4:00 PM
A great solid ranch in a wonderful neighborhood with continuous maintenance through out the years! Great school district~
Cannot make the Open Houses?
Location: 4 Hemlock Drive, Medway, MA 02053    Get Directions

Similar Properties





Categories: Open House  


Posted by Bernadette Calvario on 9/5/2018

There are so many factors that go into buying a home. How much money do you have saved up? What is your debt amount? Hw much money do you make each month? Can you afford the neighborhood that youíd like to live in? All of these questions are swirling around the minds of all first-time homebuyers. Did you know that how long you have been at a job is just as important as your income as a factor in getting approved for a mortgage? 


Your ability to repay is why the lender is looking at so many different numbers and factors about your financial situation. Employment overall plays a large stake in the mortgage application. Lenders will look at your past employment history along with the job that your currently have. They are also concerned with your future employment status. Your lender will get an idea of your overall plan for your career and employment through looking at your history. 


As a first-time homebuyer, you most likely donít have the employment history of more seasoned homebuyers. Generally, most people who are buying a home for the first time are pretty young in their careers. As a rule of thumb, lenders will look at your employment history over the past two years. The lender wants to see your industry focus. Maybe you have stuck with one career direction, or maybe you have hopped around a bunch. As a hint, jumping around from job to job and field to field doesnít look very good to mortgage lenders. Job floaters tend to appear as if they have no plans for the future. 


Good Career Moves


Staying a software engineer, but moving from the medical industry to the financial industry is an acceptable and smart move in the eyes of lenders. Yet, leaving your stable job in accounting to pursue a career in acting would not be looked upon favorably in the eyes of a mortgage lender.


It doesnít matter how much money you have saved up, often, without employment history, a lender may not consider you as a dependable buyer. Your lender wants to see that your income is stable for a period of at least three yearís time.


Income Matters 


You wonít have the same work history as a first time homebuyer as you would if you were a bit more seasoned. When lenders look at your income history, not having a lot of work history can be a detriment to many factors. If your income is an annual salary, for example, your lender will divide that salary by 12 in order to get a monthly income. If you havenít been at the job for a full year or took a pay cut during times of training, those numbers will be affected.


For hourly employees, overtime may be a problem as it may not be factored in with the equation if there isnít a history of at least two years on the job. 


While it isnít impossible to buy a home with a short employment history, itís advisable to wait until you have some significant time under your belt before you dive into the home buying process.




Tags: finances   self employed  
Categories: Buying a Home   Mortgage