Gary Vrotsos Team
Gary J. Vrotsos: 617-901-7117 | [email protected]
Gary S. Vrotsos: 781-838-1445 | [email protected]


Posted by Gary Vrotsos Team on 8/21/2019

As you prepare to embark on the homebuying process, you may encounter a variety of homebuying myths. And if you believe these myths, the risk increases that you may be forced to deal with many problems along the homebuying journey.

Now, let's take a look at three common homebuying myths, along with the problems associated with these myths.

1. Buying a house is a quick, stress-free process.

The homebuying process may prove to be long and arduous, particularly for a first-time homebuyer. Fortunately, real estate agents are available to help you simplify the process of acquiring a top-notch residence at a budget-friendly price.

A real estate agent understands the challenges associated with buying a house. As such, he or she can help you identify and address these problems before they escalate.

Typically, a real estate agent will learn about what you want to find in your dream house and help you plan accordingly. With this approach, a real estate agent will ensure that you can enjoy a fast, worry-free homebuying experience.

2. Getting a mortgage won't take long at all.

There are many factors that will dictate your ability to acquire a mortgage that matches or exceeds your expectations. For instance, your credit score, income and outstanding debt will impact a lender's decision to provide you with a mortgage. And if you have experienced financial problems in the past, they may impact your ability to acquire a mortgage today.

It generally helps to get pre-approved for a mortgage before you enter the housing market. Because if you have a mortgage in hand, you can narrow your house search.

Also, it may be beneficial to shop around for a mortgage from several banks and credit unions. If you explore all of the mortgage options at your disposal, you can select a mortgage that suits your finances perfectly.

3. The first home that you see in-person likely will be the house that you'll end up purchasing.

The homebuying process offers no guarantees. And if you expect to buy the first home that you view in-person, you ultimately may be disappointed with the final results of your home search.

Oftentimes, it is a great idea to check out a wide range of houses. By conducting an in-depth home search, you can select a house that fulfills all of your homebuying demands.

As you search for a home, you may want to work with a real estate agent too. This housing market professional can set up home showings and keep you up to date about open house events.

Furthermore, a real estate agent is happy to provide homebuying recommendations and suggestions. He or she will do whatever it takes to help you find a terrific residence, as well as negotiate with a seller's agent on your behalf to ensure you won't have to pay too much to acquire your ideal house.

The aforementioned myths can be harmful to any homebuyer, at any time. If you hire a real estate agent, however, you can learn the ins and outs of the housing market and avoid potential hurdles throughout the homebuying journey.




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Posted by Gary Vrotsos Team on 8/14/2019

When did you last find yourself wishing that you could be a part of a group, whether it be sports, religious, community, professional or some other kind? It could be daunting to try to find not only a group that follows what you are looking for concerning fulfillment but also in camaraderie and atmosphere. The first step is to get out there and find them and then try them out until you have found one that fits.

Sports leagues 

You're taking the kids to their respective activities and get started thinking about what it was like when you played as a kid. Then you realize that you haven't honestly played anything for years and all of a sudden have a strong desire to rectify that great wrong. Where do you start? Depending on what sport you are pursuing you could go to the local park and find a pick-up game—soccer, basketball, etc.—that might be just the thing to get you started. Or, you may decide that you really want something a little more structured that you can be a part of longer-term. Your answer may well lie in your local adult league. These leagues are wide-ranging in both the sports and the skill levels that they represent. Some ways to find these leagues are to do an internet search for “adult [sport] leagues [your area/city/state],” check with your local YMCA, find your city recreation center or maybe ask the players at the park what leagues that they know about. In that last case, you will also get a picture of what the league is like based on what they tell you or how good they may play. 

Community 

Community organizations are as varied as the community that it is in. Some examples of service type groups are Kiwanis, Lions, and Rotary International. Then there are traditionally fraternal organizations like the Masons or the Moose and Elk (who are now open to everybody). If you are a veteran, the American Legion and Veterans of Foreign Wars are a couple of the many options. As you can discern from this small list of examples the only thing limiting your involvement in a group is your imagination. Start by finding what is available in your area and the contact them to see what they can tell you to help you determine if it will be the right group for you.

The point is to go out there, make yourself available and have fun

Some of us have an easier time then others joining a group, but that should never stop you from becoming a part of something greater than yourself. Find someone who has extensive knowledge of your area like your local real estate agent and ask them for tips to get out there and join your local community. The first step may be your hardest, so stop thinking about it and get out there.




Categories: Uncategorized  


Posted by Gary Vrotsos Team on 8/7/2019

After you buy a house, it may be only a few weeks before your closing date arrives. At this point, you and the home seller will finalize your transaction. And if everything goes according to plan, you'll own a new home.

Getting to closing day, however, sometimes can be difficult. Lucky for you, we're here to help ensure you can enjoy a quick, seamless home closing.

Now, let's take a look at three steps to close on a home.

1. Complete Your Mortgage Application

A mortgage is a must-have for a homebuyer to close on a residence. Fortunately, it often can be simple to obtain a mortgage that matches or exceeds your expectations.

Consult with several local banks and credit unions. By doing so, you can learn about all of your mortgage options and select a mortgage that corresponds to your finances.

After you complete a mortgage application, a bank or credit union can provide you with mortgage options. Then, you can make an informed decision about which mortgage suits you perfectly.

2. Perform a Home Inspection and Appraisal

A home inspection is paramount, as this assessment will enable you to identify any underlying home problems and address them before closing day arrives.

During a home inspection, a property expert will assess your residence both inside and out. This expert also will provide an inspection report that details his or her findings.

Review the results of a home inspection report closely – you'll be glad you did. If you assess a home inspection report, you can review a home inspector's findings and determine whether you still want to purchase a house.

If you accept the inspection results and decide to move forward with a home purchase, an appraisal may follow.

Like a home inspection, an appraisal requires a property expert to visit your home. This expert will evaluate your home's interior and exterior, as well as comparable houses in your city or town. Following a home appraisal, you will receive a property valuation.

Oftentimes, a property valuation may match or exceed the price that you intend to pay for a house. If it does not, there may be instances in which you can still walk away from a home sale or ask the seller to lower a house's asking price.

3. Buy Home Insurance

Home insurance safeguards your residence and personal belongings against loss, damage or destruction. As such, it is essential to purchase home insurance before you close on a house. Because with home insurance in place, you'll be good to go to protect your house and personal belongings against myriad disasters.

The closing process can be long and complicated. But if you work with a real estate agent, you can receive plenty of support leading up to closing day. In fact, this housing market professional is happy to provide tips to ensure you can streamline the closing process.

Get ready for closing day – follow the aforementioned steps, and you can speed up the process of acquiring your dream house.




Categories: Uncategorized  


Posted by Gary Vrotsos Team on 7/31/2019

If security in your home is a concern, you can consider stepping things up a bit with steel entry doors. While you may think of steel doors as something that you’d find in an industrial type building, they’re not just for businesses anymore. Many homeowners are turning to steel entry doors in order to capitalize on their many benefits. 


You’d be surprised that many new construction homes can be found with steel entry doors, and the prices aren't bad. A basic door will run somewhere between $100-$150. You’ll still need to buy the installation hardware for the doors, but these prices are fairly reasonable. 


Benefits Of Steel Doors


There are many benefits to steel entry doors. The first of these perks is that they are incredibly secure. Break-ins generally occur either on lower level windows or through a front door. Thieves have a slim chance of getting into a steel door that has been properly installed. 

The next benefit of steel doors is that they’re very durable. Steel is known to be quite a weather resistant material. These doors are also energy efficient and help you to keep the cost of your utility bills down. 


Fire Resistant


Be careful when choosing your steel doors. Not all steel doors are fire resistant. A fire-resistant door can block high levels of heat and flames for about 20 minutes. You can check on your specific door of choice for how extensive the flame retardant material is and how long it will last. 


Maintenance 


Steel doors don’t require much maintenance. Because of their resistance to rust, cracking, and bending, these doors will last longer and keep your home looking sharp for longer periods of time. Steel doors are especially favorable if you live in an environment with high amounts of precipitation and humidity. The moisture won’t affect the condition of the door. If the doors happen to need any repairs, know that steel doors are just as easy to repair as a standard wooden door is. Your steel door will rarely require a replacement. 


Painting


When you think of a steel door, you may picture a cold, metal door that’s quite unwelcoming. This couldn’t be further from the truth! You’re able to paint these doors any color that you’d like. First, you’ll need to remove all of the hardware from the door. Then, you’ll need to sand and prime the door. Next, you can move into the painting phase. You can use many different methods to paint a steel door including brushing, rolling, or spraying the door.




Tags: Home Security   doors  
Categories: Uncategorized  


Posted by Gary Vrotsos Team on 7/24/2019

If you want to purchase a home, it pays to establish a homebuying budget. By doing so, you can enter the housing market with a budget in hand and narrow your search for your dream house.

Now, let's take a look at three best practices to help you create a homebuying budget.

1. Look at Your Finances

Your finances will play a major role in your ability to purchase a home. Thus, you should evaluate your current financial situation closely so you can map out an effective homebuying journey.

Request a copy of your credit report – you'll be glad you did. You are eligible for a free copy of your credit report from each of the three reporting bureaus (Equifax, Experian and TransUnion) annually. Take advantage of this complimentary perk, and you can gain deep insights into your outstanding debt.

If you have outstanding debt, try to pay this down as much as possible. That way, you can boost your credit score, which ultimately will help you improve your chances to acquire your ideal residence.

2. Meet with Banks and Credit Unions

When it comes to buying a home, meeting with banks and credit unions usually is a great idea. That way, you can learn about your home loan options and get pre-approved for a mortgage.

Apply for a mortgage from several banks and credit unions. Then, you can receive various mortgage quotes and select one that suits you perfectly.

Also, don't hesitate to ask plenty of questions during a lender consultation. Banks and credit unions employ friendly, knowledgeable mortgage professionals – all of whom are happy to help you make an informed mortgage decision. Therefore, if you're unsure about whether to proceed with a 15- or 30-year mortgage or can't decide between an adjustable- or fixed-rate mortgage, you can ask these mortgage professionals for expert advice.

3. Consult with a Real Estate Agent

A homebuying budget is tricky to establish on your own, especially if you are entering the real estate market for the first time. Fortunately, a real estate agent can help you plan ahead for all stages of the homebuying cycle.

During a real estate agent consultation, a housing market professional will learn about your homebuying goals. Next, this professional will help you establish realistic homebuying expectations and ensure you can discover a great house at a budget-friendly price.

Of course, let's not forget about the world-class support that a real estate agent provides after you kick off a home search, either.

A real estate agent will set up home showings, keep you informed about open houses and offer homebuying recommendations and suggestions. Perhaps best of all, a real estate agent can negotiate with a seller's agent on your behalf to help you get the best price on a house.

Ready to begin your search for your dream home? Use the aforementioned best practices, and you can craft a homebuying budget and start your homebuying journey.




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