Mark Carmien - Maple and Main Realty, LLC



Posted by Mark Carmien on 3/2/2021

This exceptionally well-maintained 2 family in the desirable South Street neighborhood has been owner occupied for the past 25 years. The renovations over the years include opening up the floor plan in the owners unit, complete kitchen renovation with maple cabinets and Corian counters, tiled backsplash, washer/dryer closet and recessed lighting. The bathroom was expanded and renovated as well. Six Mitsubishi mini splits were added (3 per unit) for supplemental heat and air conditioning, and the roof replaced. The 3rd floor is finished with wood floors, ceiling fans, built-in shelves and cabinets and a huge walk-in closet. This space makes a great home office / family room and has great potential for a Main Bedroom suite. The tenant's unit on the first floor has also been renovated with 2 bedrooms, full bathroom, hardwood floors. Replacement windows throughout. A two car garage, fenced in back yard, gas heat and 2 screen porches complete this gem. Book your showing today!

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Posted by Mark Carmien on 2/27/2021

Every home seller wants to enjoy a positive property selling experience. Yet ensuring your home selling strategy goes according to plan may be difficult, particularly for a seller who lacks property selling expertise. Lucky for you, we're here to provide the help you need to achieve the optimal results at each stage of the home selling journey.

Now, let's take a look at three tips to help you reap the benefits of a positive home selling experience.

1. Set an Aggressive Initial Home Asking Price

How you price your home will have a significant impact on how quickly your residence sells. If you establish an aggressive initial home asking price, you should have no trouble stirring up plenty of interest in your residence as soon as your home becomes available.

Check out the prices of available houses in your area that are similar to your own residence. Then, you can establish a price range for homes in your area and price your house accordingly.

Furthermore, it often helps to evaluate the prices of recently sold houses in your city or town. With this housing market data at your disposal, you can find out whether you're getting ready to sell your home in a buyer's or seller's market.

2. Remove Clutter

Clutter is problematic, particularly for a home seller who wants to streamline the property selling cycle. Fortunately, home sellers who identify clutter now can eliminate this problem before they list their houses.

Antiques, paintings and other excess items inside your home should be removed. You can always rent a storage unit, which will enable you to keep these items safe until you sell your house. Or, you can host a yard sale or sell excess items online prior to listing your residence.

Don't forget to remove lawn decorations and other clutter from outside your house as well. By doing so, you can instantly improve your house's curb appeal and increase the likelihood of a fast, profitable home sale.

3. Consult with a Real Estate Agent

A real estate agent is prepared to do everything possible to ensure you can enjoy a positive house selling experience. In fact, this housing market professional will offer plenty of support at each stage of the home selling journey.

Usually, a real estate agent will meet with you before you list your house. He or she then will craft a home selling strategy designed to help you accomplish your home selling goals. Next, a real estate agent will promote your house to dozens of potential buyers, set up home showings and open house events and keep you up to date about any offers to purchase your residence. And if you decide to accept an homebuying proposal, a real estate agent will guide you through the home closing process.

Ready to reap the benefits of a positive home selling experience? Take advantage of the aforementioned tips, and you can seamlessly navigate the home selling journey.




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Posted by Mark Carmien on 2/20/2021

Image by mohamed Hassan from Pixabay

Most homebuyers take out a mortgage when they purchase a house, and there are several different types of mortgages to choose from. Here are some of the more common mortgage options and the benefits of each one.

Conventional 30-Year Fixed Mortgages

Perhaps the standard starting point for a mortgage is the conventional 30-year fixed home loan. This mortgage is underwritten by a private lending institution but conforms to standards set forth by federal programs. The terms of the loan last for 30 years, and the interest rate is fixed so that it doesn’t change throughout this period.

A conventional 30-year fixed mortgage is a good option for many homebuyers. It lets you spread out the cost of a house across three decades, and you know what the interest and payments will be for the full duration of the loan.

Conventional 15-Year Fixed Mortgages

Conventional 15-year fixed mortgages are just like their 30-year counterparts, except these last half as long. Because the duration of these mortgages is half as long, homebuyers end up paying a lot less in interest.

You’ll have to pay more per month if you cram your mortgage into 15 years, but the interest savings are substantial. If you can afford higher monthly payments, this option will end up saving you a lot.

Adjustable-Rate Mortgages

Adjustable-rate mortgages come in various durations, just as fixed-rate mortgages do. The difference between the two is that the interest rate on an adjustable-rate mortgage can adjust. The interest rate is set according to an index, and as the index changes so does the interest rate on the loan. Which index is used and how adjustments are made are detailed in the paperwork of a loan.

Most adjustable-rate mortgages come with lower initial interest rates than fixed-rate mortgages offer, although the rates on adjustable mortgages can end up being much higher. If you can financially manage an increase in your mortgage’s interest rate, this option might be a way to save a little bit of interest (although there is risk involved).

Guaranteed Mortgages

The federal government offers several guaranteed mortgage options for qualifying individuals. Some of the most common ones are VA and FHA guaranteed home loans. 

In these programs, the government guarantees a mortgage if the homebuyer fails to make their payments. This reduces the risk to the lender, and many lenders relax their qualification requirements as a result.

If you can’t get a conventional mortgage and qualify for a federally guaranteed program, one of these could help you attain the dream of home ownership.




Tags: Mortgage   loans   home loan  
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Posted by Mark Carmien on 2/13/2021

Let's face it – the process of packing up your belongings and moving them to a new home can be exhausting. However, if you prepare plenty of healthy, delicious snacks, you and your moving day team will be better equipped than ever before to conquer any challenges that come your way.

Ultimately, preparing snacks before moving day is essential. Yet determining which snacks to offer sometimes can be difficult, particularly for those who have large groups of family members and friends ready to provide moving day assistance.

Lucky for you, we're here to help you plan ahead so that you can provide your entire moving day team with outstanding snacks.

Now, let's take a look at five tips for preparing moving day snacks.

1. Get a Headcount

You know that family members and friends are happy to help you move, and you should get a headcount to understand just how much food that you'll need to keep your loved ones happy and healthy on moving day.

Remember, when it comes to moving day snacks, it usually is better to err on the side of caution. And if you end up with extra snacks after moving day concludes, you can always give these treats to family members and friends. Or, you can celebrate the completion of a successful move by enjoying your extra snacks on your own.

2. Ask People What Types of Snacks They Like

Learn what types of snacks that your family members and friends like. If you ask these loved ones about their preferred snacks several days or weeks prior to moving day, you'll have plenty of time to get snacks ready that your entire moving day team can enjoy.

3. Identify Any Dietary Restrictions

Ask friends and family members about any dietary restrictions that they may have. By doing so, you can avoid the risk of preparing snacks that certain members of your moving day team won't be able to eat.

4. Don't Forget About Drinks

Providing water and sports drinks on moving day usually is a good idea. Offering various beverages will make it easy for your family members and friends to stay hydrated while they move large, heavy boxes into your new house.

5. Be Ready to Call for Takeout

Even a well-planned morning or afternoon move can stretch late into the evening. As such, if you run out of snacks, you should be ready to call for takeout.

Make a list of takeout restaurants near your new home before moving day – you'll be glad you did. With this list, you'll be ready to call for takeout if moving day runs long and you need extra food.

Lastly, if you need additional assistance as you get ready for your move, it often pays to collaborate with a real estate agent. In addition to helping you buy or sell a home, this housing market professional can offer expert moving day tips.

Get snacks ready for moving day – use the aforementioned tips, and you should have no trouble providing your moving day team with delectable treats.




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Posted by Mark Carmien on 2/6/2021

If you receive an offer to purchase your home, you may have only a limited amount of time to decide whether to accept this proposal. As such, there are several factors you'll want to consider to determine whether to approve an offer to purchase your home. These factors include:

1. The Price of Your Home

If you established a competitive initial asking price for your home, you should have no trouble determining whether an offer to purchase falls in line with your expectations. Thus, if an offer to purchase your home is at or above your residence's initial asking price, you may want to accept a buyer's proposal and move forward with a house sale.

Of course, if an offer to purchase your house falls below your residence's initial asking price, you should still evaluate the proposal closely. If you feel the offer to purchase is the best proposal you might receive, you may want to accept it.

2. The Current State of the Local Housing Market

Examine the current state of the local housing market – you'll be glad you did. If you discover you are operating in a buyer's or seller's market, you can assess an offer to purchase your home accordingly.

If you find a buyer's market is in place, you may be more inclined than ever before to accept a competitive offer to purchase your home. Because in this market, the number of sellers exceeds the number of buyers, and rejecting a homebuying proposal does not guarantee you will receive better offers to purchase in the near future.

Comparatively, if a seller's market is in place, you may want to take a wait-and-see approach to any offers to purchase your residence. In this market, the number of buyers exceeds the number of quality houses available. As a result, you may receive dozens of offers to acquire your residence if you wait for the local housing market to develop.

3. Your Home Selling Goals

You should feel good about accepting an offer to purchase your house. Therefore, if an offer to purchase enables you to achieve your home selling goals, you may want to accept it sooner rather than later. By doing so, you can take the next step to finalize your house sale.

As you debate how to proceed with an offer to purchase your house, you may want to consult with a real estate agent too. This housing market professional may be able to offer housing market insights that you won't find anywhere else. Plus, he or she can provide honest, unbiased home selling recommendations. And if you ultimately decide to accept an offer to purchase your residence, a real estate agent can guide you along the final stages of the property selling journey.

There is no reason to settle for a subpar offer to purchase your house. But if you consider the aforementioned factors, you can make an informed decision about whether to accept, reject or counter a homebuying proposal.