Mark Carmien - Maple and Main Realty, LLC



Posted by Mark Carmien on 9/8/2018

Buying a new home is an exciting experience. Who doesn’t love new things—and a new home at that? But a new home is also challenging and intimidating. If you have left a home that you adored then this new home has high expectations. And if it’s your first home then such an investment is a big step and can be intimidating for that reason. But one thing that can be agreed upon is the need for this house to feel like your home. Let’s look at a few simple tips for making your new house truly feel like your home.

Family Heirlooms: Have a family heirloom that has been passed down from generation to generation? These types of keepsakes could range from an afghan that a great-grandparent or grandparent had knit, various antiques, clocks, diaries and recipes. You can display recipes on a kitchen counter or you can even get creative and design custom wallpaper from the recipe cards. Grandfather clocks fit the atmosphere of home offices and formal living rooms. There are tasteful ways to add each one of these into your home and preserve the memory of these keepsakes.

Photos & Artwork: What better way to bring personality and familiarity into a home than photos of family and friends or artwork from a favorite artist or of your favorite place. A popular approach is a grid-like arrangement created on large, open walls. This is one way to display many beloved photos without creating clutter on tables or other pieces of furniture. A long wall along a hallway would be a great place to display larger photos or artwork that would run horizontally. This is especially nice for sequenced pieces such as change of season photos.

DIY projects: Add your personality to your home with DIY projects. Mason jars, glass vases, and wine bottles can be turned into beautiful home décor with only a few materials and a couple hours. Items like rope, artificial flowers, ribbon, and glitter are just a couple examples of supplies that can be used to turn those simple items into a homemade masterpiece.

Memories: Last, but certainly not least, create memories.This is the easiest and quickest way to make a house feel like a home. Things as simple as cooking dinner with your loved ones and as extravagant as starting a family are amazing memories to make. And the first time you remember something special happening in your home will be an amazing feeling. You’ll truly feel like you’ve left your mark and turned four walls into something extraordinary.

It’s crucial that you add your personal touches to your home, especially if it’s going to be your forever home. It’s the place you will spend most of your time, besides work. The tips above are just a couple examples of ways to help add your personality in the home. Be creative and most of all be genuine and your home will feel like it’s been yours forever.  




Categories: Uncategorized  


Posted by Mark Carmien on 11/18/2017

We’re not taught much about homeownership when we’re young. Like paying bills and taxes, it’s something we’re all expected to pick up along the way. But with something as important and expensive as buying a home, there should be a guide to help first time homeowners determine if they’re ready to enter the real estate market.

Today, we’re going to attempt to provide you with that guide. We’ll offer some of the prerequisites to homeownership to help you determine if you’re ready to buy your first home.

A rite of passage

Buying a house is a significant moment in anyone’s life. It’s often a precursor to starting a career, a family, and settling in a part of the country you will likely call home for a large portion of your life.

It’s also overwhelming.

There’s much to prepare for before buying your first home. You’ll be calculating a lot of expenses, thinking about jobs and schools, and learning new things about home maintenance. Here are some things to think about before buying your first home.

Can I afford it?

The most obvious question first time buyers ask themselves is whether they can afford a home. What many don’t ask, however, is if they can afford all of the unexpected expenses that come with homeownership.

Everyone knows they’ll be making mortgage payments. But to decide if you can really afford a home you’ll have to make a detailed budget. Here are some other expenses to consider:

  • Mortgage closing costs

  • Property tax

  • Home insurance

  • Maintenance and repairs

  • Home improvement

  • All utilities

  • Moving costs

Do I plan on staying in the area?

When you buy a home, you’re not just committing yourself to the house itself, but also to the area you live in. Typically, it only makes sense to buy a home if you’re planning on staying in it for a number of years (usually five or more). Ask yourself the following questions to determine if you can truly commit yourself to your area.

  • Could my career lead me to transferring to another location?

  • Could my spouse’s career lead them to transferring?

  • If children are in the present/future, is the local school district what I’m looking for in terms of education for my child?

  • Will I want to move live to family?

  • Will I have to move soon to care for aging parents?

  • Do I like the weather and culture in the area?

Is my income stable?

Owning a home is much easier when you have a stable income or two stable incomes between you and your significant other. It help you get preapproved for a mortgage and help you rest easy knowing that you can keep up with the bills each month to maintain or build your credit.

Stability doesn’t just mean feeling comfortable that your company won’t get closed down or that you’ll be dismissed from your job. It also means that there are frequent openings in your field of work in the area you choose to live. So, when planning to buy a home, make sure you factor in the potential travel distance to cities or places you could potentially work.

Am I prepared to put in extra work?

If you currently rent an apartment, you’re most likely not responsible for maintenance outside of basic cleaning. Owning a home is a different story. You’ll be taking care of the house inside and out. That means learning basic maintenance and buying the tools for the job.

It also means mowing the lawn, cleaning the gutters, shoveling snow off of the roof, and other menial tasks that you’ll need to make time for.





Posted by Mark Carmien on 4/8/2017

Buying a house puts valuable equity within your reach. It gives you the authority to decorate, structure and design a property to your liking. Little beats the freedom and power that you will feel after you pay your house off and become the sole owner of a unique property that may be valued at several hundred thousand dollars or more. But, getting approved for a mortgage doesn't just happen.

Proactive steps to first time homeowner savings

The best time to start saving money on your first home is before you start home shopping. If you immediately thought about your credit rating and the importance of going into the home buying process with a strong credit rating, you're on the right track. Keep reading, to learn practical steps that you could take to improve your credit rating.

Also know that there are other important steps to take to save money on your first home. These steps will also help you to save even if you're not a first time homeowner. Top of these steps is financing. Getting pre-approved for a home loan from a reputable lender can give you valuable price leverage.

Pre-approval for a home loan alerts your realtor to how much mortgage you can afford to take on. To save on a house, avoid shopping for houses that are priced at the maximum of your home loan approval rate. See pre-approval when interest rates are low. Items that you need for pre-approval include pay stubs, income tax returns, current loan amounts and your credit score.

More ways to save money on your first home

Shopping for a home loan with your local bank could net you lower mortgage interest rates. This can be particularly helpful if your income is directly deposited into your account and if you have several thousand dollars of savings in your bank account. If you know that you want to buy a house a year from now, start working on your credit score now. Also, start building your bank account savings.

Another way to save money on your first home is to work with a real estate agent who takes a good credit score seriously, a realtor who won't tempt you to take on more house than you can afford right now.

To improve your credit rating, pay down high interest loans. Also, pay down or, better yet, pay off high interest credit cards. If you have accounts in default, also pay these off or, at the least, pay the accounts up so that they are current.

Take charge of the home loan process

Millions of Americans apply for a home mortgage each year. Not everyone is approved. This is a time when being proactive can help you fulfill a dream. Paying off debts and getting caught up in late payments help to improve your credit which, in turn, improves your chances of securing a home mortgage. Getting an okay from a lender is another huge step forward.

Connecting with a mortgage lender before you start home shopping not only gives you money to work with, it is a great way to know what areas you need to work on to increase the amount of money that a lender will loan you. Additionally, if you aren't pre-approved for a home loan, you can find out why you weren't approved and take steps to correct these weak spots.




Tags: first home   first house  
Categories: Uncategorized