Thomas Murphy - Pine Shores Real Estate



Posted by Thomas Murphy on 8/18/2019

If you have always wanted to own a second home in the mountains, near the beach or just about anywhere else, now may be the ideal time to transform your dream into a reality. The housing market offers many opportunities for property buyers – even those who already own a residence. If you understand what it takes to navigate the homebuying journey, you could quickly and effortlessly purchase a second house that matches or exceeds your expectations.

Ultimately, there are lots of things you can do to streamline your search for a second residence, such as:

1. Get Your Finances in Order

If you still have a mortgage on your current residence, there is no need to stress. In fact, by consulting with a mortgage specialist, you can evaluate your home financing options as you prepare to search for a second house.

Mortgage specialists are available at banks and credit unions, and they understand the ins and outs of home financing. Thus, mortgage specialists can help you analyze your current mortgage, establish a homebuying budget and determine the optimal financing option for a second house.

Of course, if your current house's mortgage is paid in full, mortgage specialists can still help you get ready to launch a search for a second residence. If you collaborate with mortgage specialists, you can get the help you need to immediately obtain financing to acquire a second house.

2. Narrow Your Home Search

You know you want to buy a second house – now, you just need to hone your house search based on your individual needs. If you focus on residences in a select group of cities and towns, you may quickly discover a wonderful house that you can enjoy for years to come.

As you consider potential cities and towns where you want to purchase a second home, think about your short- and long-term goals, too. By doing so, you can boost the likelihood of finding a second house that will suit you perfectly both now and in the future.

3. Consult with a Real Estate Agent

For those who want to acquire a second home sooner rather than later, hiring a real estate agent is a must. Because if you have a friendly, knowledgeable real estate agent at your side, you can minimize the risk of encountering roadblocks that otherwise could slow down your homebuying journey.

A real estate agent is happy to teach you about the housing market in your preferred cities and towns. Plus, he or she can offer expert recommendations about how much to offer to pay for a residence you want to acquire. And if you have concerns or questions as you pursue a second home, a real estate agent is ready to respond to them right away.

Take the guesswork out of finding and purchasing a second residence – use the aforementioned tips, and you could speed up your search for a second house.




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Posted by Thomas Murphy on 8/11/2019

Having to change the roof is a decision most homeowners shy away from, it’s time-consuming, can generally be a stressful process and often requires a large budget. Most homeowners do not know when their roofs are due for a change until they experience damages to the house and property. 

There are basic signs a homeowner should look out for when they are unsure how long to go between roof replacements. A house or property built a long time ago will require constant maintenance and renovation to keep it looking good and attractive. The points outlined below will help you decide on when to change your roof.

Leaks

Having water drip into your home from your ceiling or water running down your wall is a clear indication that you need to change your roof. The first thing on your list is to find the cause of the leak. The most common reasons are as a result of a damaged roof or condensation. 

Water Stains

Water stains around the interior ceiling of a house destroy not just the general appeal of a home, but also the furniture, paint and trim in the affected area. If you notice water stains around your ceiling or wall, you should investigate the cause of the moisture. A leaking roof doesn’t necessarily mean you must change the entire roof; other methods can be used to stop leakage depending on the severity of the damage.

Paint Damage

Do you see paint blisters or peeling paint on your walls? Swelling woodwork or trim either indoors or outdoors? These are all signs of water pooling where it’s not supposed to be. Tracing these leaks to the source is essential since the issue could be anything from a small plumbing leak to severe roof damage. 

Mold

Mold is not only unsightly; it also harms your health and the quality of air in your home. The growth of mold on a ceiling or wall could be a sign of a faulty roof, a plumbing issue or a condensation problem. First off, check that your insulation is not soaked, your bathroom fixtures and plumbing are in good condition, and also that your home has enough ventilation. It’s a lot easier to correct these than a leaky roof. 

Granule Loss

Loss of granule should not be a cause of concern especially if the asphalt shingle is a new roof. However, if these are noticed ten to fifteen years after roof installation, then it might be a cause of worry. The granule keeps the sun off the shingles, once they out, the shingles will begin to bake and deteriorate in a hurry.

If you experience any of these problems and track them back to roof damage, it’s advisable you inspect your roof for damage and if you’re in doubt, to get a professional roofer to check it over.




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Posted by Thomas Murphy on 8/4/2019

If you want to enjoy a fast, profitable home selling experience, it helps to prepare as much as possible. In fact, if you craft a home selling strategy, you should have no trouble achieving your home selling goals.

Now, let's take a look at three tips to help you create a successful home selling strategy.

1. Consider the Buyer's Perspective

Think about how a homebuyer may perceive your house. Then, you can prioritize assorted home improvement projects and incorporate them into your home selling strategy.

For example, if your home's front lawn is messy and cluttered, now may prove to be a good time to hire a professional landscaping company. With support from this company, you can transform a subpar front lawn into a stunning one and bolster your house's curb appeal.

On the other hand, if you find that your home interior needs to be updated, you should perform assorted home interior upgrades. By doing so, you can enhance your house's interior and make it easy for buyers to fall in love with your residence.

2. Assess Your House Both Inside and Out

Ultimately, a home seller's goal is to maximize the profits from his or her home sale. If you include a home inspection as part of your home selling strategy, you can take the necessary steps to upgrade your house prior to listing it.

During a home inspection, a property expert will analyze your residence both inside and out. When the home inspection is finished, the property expert will provide you with an inspection report that details his or her findings.

Review a home inspection report closely. This report contains valuable insights that you can use to enhance your home's exterior and interior. It also may help you discover innovative ways to improve your house's value.

3. Collaborate with a Real Estate Agent

When it comes to crafting a home selling strategy, there is no need to work alone. Luckily, you can hire a real estate agent who can help you put together a successful home selling strategy in no time at all.

A real estate agent will teach you about the real estate market and help you set realistic home selling expectations. In addition, this housing market professional is happy to provide you with expert home selling insights to ensure you can optimize the value of your house.

Moreover, a real estate agent can offer comprehensive support at each stage of the home selling journey. He or she can help you list your house and promote it to the right groups of buyers. Plus, a real estate agent can provide recommendations as you review a home offer and ensure you can make an informed decision about whether to accept, reject or counter a proposal.

If you want to get the best-possible results from the home selling journey, it helps to establish a home selling strategy. Use the aforementioned tips, and you can craft a successful plan to sell your house.




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Posted by Thomas Murphy on 7/28/2019

When you’re searching for a place to live if you have kids, or even if you’re planning on having kids in the future, the neighborhood you choose is of concern. When you’re single, it’s easy to fill your desire for the city. You live near bars, clubs, conveniences, and more. Once you start thinking with a family in mind, your ideas shift. 


So, if you’re looking for a neighborhood with children in mind, where do you start? Read on to discover the top priorities of a kid-friendly property search. 


The Schools


Most parents put a lot of consideration into where their children will go to school. Many resources allow you to research different school districts. You can also visit schools in person, or talk to other parents and see their opinion of the local schools for specific neighborhoods. 


The Safety Of The Area


Whether you have kids or not, you want to know that the area you’re going to live in is safe. Before you select a neighborhood to live in, you’ll want to research the crime rates in the area. You might assume that individual cities and towns have better crime rates than others, but you may be surprised. Ask your local real estate agent for more information on local crime rates and how to research them. 


Sense Of Community


If you are moving with kids or planning on having a family anytime soon, you’ll want to have a supportive community surrounding you. Having a community means that there are other families around with children. This way, it will be easier for you to build a network of other moms who are in the same stage as you. Some things to consider are:


Are there sidewalks in the neighborhood?

Is there a lot of traffic in the area?

Are there places for kids to play nearby? 

Do you see families out for a walk together?


Answering these questions will give you an idea of how family-friendly your neighborhood will be. Sidewalks make the area accessible for kids to go and hang out with their friends safely. Parks and playground are not only a great place to play for kids but a great place to meet other parents. If a neighborhood has the things that you want for your family, chances are, many other families in the area feel the same way. 


Choosing a neighborhood can be difficult, but with a little research and groundwork, you’ll be able to select an excellent place for your family to live.   






Posted by Thomas Murphy on 7/21/2019

A homebuyer is an interesting person, and perhaps it is easy to understand why.

Each homebuyer is different, yet every property buyer shares a common goal: to acquire a top-notch house at a budget-friendly price. Furthermore, how a homebuyer approaches the property buying journey may dictate how long it takes this individual to accomplish his or her ultimate goal.

So what does it take for a homebuyer to become a homeowner? To find out, let's analyze the homebuyer's perspective and consider three steps that a homebuyer can take to speed up the property buying journey.

1. Know What You Want to Find in Your Dream Residence

No two homebuyers have the same definition of a "dream" residence. As such, it is up to you to define the criteria for your home search, and doing so may help you accelerate the homebuying cycle.

Differentiate between "must-haves" and "wants" before you kick off your home search – you'll be glad you did.

"Must-haves" refer to things that you absolutely need from your dream home. Some of the most common must-have home features include a fenced-in backyard or multiple bedrooms.

On the other hand, "wants" are things that you would like to have but can live without. These may include an indoor swimming pool, a spacious basement or other non-essentials.

After you define your dream home must-haves and wants, you can narrow your search for the ideal house. Then, you can move one step closer to transforming your homeownership dream into a reality.

2. Get Pre-Approved for a Mortgage

Let's face it – every homebuyer wants to acquire an excellent residence, but no one wants to break their budget to purchase a house. Thankfully, you can meet with a variety of banks and credit unions to get pre-approved for a mortgage before you embark on your quest for the ideal house.

Getting pre-approved for a mortgage can be fast and simple. Meet with several lenders, and you can explore all of the mortgage options at your disposal.

Also, don't forget to ask questions about different types of mortgages. This will allow you to become a mortgage expert and select a mortgage that matches your finances perfectly.

3. Collaborate with a Real Estate Agent

As a homebuyer, entering the real estate market can be overwhelming. But with a real estate agent at your side, you can get the support you need to secure a first-rate house at an affordable price, regardless of the current housing market's conditions.

A real estate agent is a housing market professional who will go above and beyond the duty to serve you in any way possible. He or she will set up home showings, keep you up to date about new residences as they become available and negotiate with home sellers on your behalf. Plus, if you ever have homebuying concerns and questions, a real estate agent will be happy to respond to them at any time.

Ready to acquire your dream residence? Now that you understand the homebuyer's perspective, you can take the guesswork out of finding and buying a residence that matches or exceeds your expectations.




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