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Ellen Garcia

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Mobile:(203) 981-5244

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Put Your Best Foot Forward When Selling Your Home

Although your real estate agent will do the lion's share of the work involved in selling your home, there are several things you, the homeowner, can do to help move things along. By making sure your home is always ready to be shown at a moments notice to prospective buyers, you will be helping to "tip the scales" in the direction of a faster sale. Since making a great first impression is crucial to the sales process, it's important that your home always looks its best -- both inside and out. Here are a few tips to keep in mind when you decide to put your home on the market. Order versus chaos : Every time your real estate agent sets up a showing of your house, it's an opportunity to attract and engage potential buyers. When your house and property look organized, clean, and well cared...
Posted to Selling Your Home on Tuesday, February 06, 2018 at 12:38:00 PM

Down Payments 101: Saving for a Home Loan

If you’re hoping to buy a house in the near future, you’ll want to focus on saving for a down payment. Down payments are a way to let a lender know that you are a low-risk investment, and a way to save money on interest over the term of your loan. If you have your other finances in order--a good credit score and steady income--there’s a good chance that making a 20% or more down payment will land you a low interest rate that can save you thousands. How large should my down payment be? The larger the down payment you can afford, the more money you’ll likely save in the long run. While there are ways to get a loan with no or very small down payments, these aren’t always ideal. First, if you put less than 20% down on your...
Posted to Financing and Saving for Your Home Purchase on Monday, February 05, 2018 at 11:58:00 AM

How to Help You Deal with the Stresses of Moving

Moving to a new home is difficult for everyone. Not even you are immune to the stresses of adjusting to a new life. But moving can also be a great experience. They can help you grow closer together, discover new interests and hobbies, and create new memories together. In this article, we’re going to give you some moving tips that will help you make the most of your decision to relocate, and maybe give you a new optimism to endure the stressful process of moving. Making a move easier on your pets When our pets are sick or upset it can be heartbreaking for us. We can’t use our words to explain that everything will be okay. Generally, pets are resilient and can often adapt easily to a new environment. But that doesn’t mean we shouldn’t try to help make it easier for them....
Posted to Stress of Moving on Saturday, February 03, 2018 at 11:47:00 AM

Chimney Maintenance

Chimney maintenance and repair is incredibly important. You need to complete certain tasks to ensure that your fireplace is working safely and effectively. There’s no better time than the off season to get these tasks in order.  Remember that you should only burn dry wood in your fireplace. Although fireplaces aren’t high on the technology spectrum, they do require some effort to keep in working order. Failure to do so can result in smoke and even a chimney fire. Soot build up can put a damper on the proper ventilation of the chimney. The soot is partly a result of creosote- a combustible, tar-like substance. It’s a natural by-product of wood that has been burned. With reduced ventilation, the creosote will cause potentially dangerous build up. While creosote itself is not flammable, it can cause the chimney to clog and structural...
Posted to Home Maintenance on Friday, February 02, 2018 at 11:26:00 AM

Unwanted belongings? Here’s How to Get Rid of Them

Junk beginning to pile up in your home? Or have you noticed that you no longer use half of the things you own? Is your closet overflowing with clothes, shoes, and handbags? It might be time to think about clearing those things out of you home. Doing so will make you feel liberated and bring extra space that you may not have seen in years. Below are a few of the different ways in which you can free yourself of unwanted belongings. Garage/Yard Sale:  Garage or yard sales are a great way to sell your old/unwanted things. These options make you some money and get your stuff out the door fast. It will take a little work on your part, as you need to advertise and prepare. Be sure to promote through online resources, post signs and even place an ad in the newspaper. It’s also important...
Posted to Getting Organized for Your Move on Thursday, February 01, 2018 at 11:25:58 AM

First-Time Homebuyer Tips: Choose the Right Mortgage Lender

Applying for a mortgage is one of the biggest decision that an individual can make in his or her lifetime. As such, it is important for a first-time homebuyer to dedicate the necessary time and resources to employ the best mortgage lender – without exception. So what does it take to hire the ideal mortgage lender? Here are three tips to help a first-time homebuyer quickly and effortlessly choose the right mortgage lender. 1. Consider a Variety of Lenders There is no shortage of top-notch lenders in cities and towns across the United States. Thus, a first-time homebuyer can meet with a variety of credit unions and banks to explore all of the mortgage options at his or her disposal. Spend some time learning about lenders in your area. Look at each lender's experience and reputation, and you may be better equipped than...
Posted to First-time Home Buyer Tips on Thursday, February 01, 2018 at 11:21:16 AM

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