Getting the Best Mortgage Rate

 

Mortgage Image 150x150 Getting the Best Mortgage Rate

Image by 401(k) 2013

Naturally, when shopping for anything you want to get the best possible deal. This holds true for mortgage rates as well. A lower interest rate means a lower monthly mortgage payment, which can save you money in the long run. Also, it is easier to qualify for a lower payment than a higher one. Look for a qualified mortgage broker who can assist in finding the right mortgage for you. We have several good mortgage brokers to recommend – Christine DeWolfe, Jane Shanley, Rob Veneziano, and Jeffrey Nelson. You’ll want to find a broker who is energetic, flexible and knowledgeable about finance and loans, and someone who has your best interests in mind.

Rates change quickly. The great rate you find today might not be there tomorrow. Once you find the rate you are looking for, submit a loan application and lock in that rate. Some sources for interest rates on the Internet include: Bank Rate Monitor (http://www.bankrate.com)

 E-Loan (http://www.eloan.com).

When comparing loans, make sure that you’re comparing loans of the same type. For example, you find that “Loan A” for a 30-year loan has a much lower interest rate than “Loan B” (also for 30 years). Upon further inspection, you find that “Loan A” is technically an adjustable rate mortgage. Its payment is based on a 30-year amortization, but becomes due through either payment or refinancing at the end of 5 or 7 years. These are frequently referred to as a 5-year or 7-year fixed-rate mortgage. While both said “30-year”, they are not the same type of loan. Ask the lender for a statement detailing all fees associated with the loan.

Factors such as “points” (loan fee), and interest rate can vary greatly from one lender to another. During the loan approval process, the lender provides a good faith estimate with respect to the fees that you may incur. Visit the Financing page of our website for more information and tips on financing your next home.

Happy Mortgage Shopping!

- Ellen and Janis

Keshet Cabaret 2013

 

Cabaret Cover Image 31 e1361386862613 150x150 Keshet Cabaret 2013Keshet Cabaret is one of our favorite events of the year. This fabulous evening benefits Keshet’s work for full equality and inclusion of lesbian, gay, bisexual and transgender (LGBT) Jews in Jewish life. It is the only organization in the U.S. that works for LGBT inclusion in all facets of Jewish life – synagogues, Hebrew schools, day schools, youth groups, summer camps, social service organizations, and other communal agencies. This year Keshet honors Barney Frank, U.S. Congressman (1981 – 2012) and the founding members of the Keshet Parent & Family Connection: Judy Elkin, Ann Falchuk, Sabina Feczko, Jayne Guberman, Debbie Heller, Nancy Smith, and Melinda Strauss.

Keshet Cabaret is a gala evening of music, comedy, theatrical performance by Shira Kline, aka ShirLaLa, and a FABULOUS auction to benefit Keshet’s work for the full inclusion and equality of LGBT Jews in Jewish life. The cabaret will be held at the Westin Copley Place.on March 2, 2013. Will we see you there?

- Ellen and Janis

It’s the New Year – Have You Ever Considered Creating a Home Gym?

It’s the New Year and everyone has fitness on their mind.  One sure way to guarantee that you do not skip going to the gym is by investing in home gym equipment. And we’re not talking about that one rouge treadmill or elliptical machine, located in the bedroom that doubles as a chair to throw your clothes on, we talking about a real home gym. This will minimize the excuses for sure!

Have you considered a home gym  150x150 It’s the New Year – Have You Ever Considered Creating a Home Gym?

Follow a few simple steps to create an efficient home gym.

Many of us who live in condos in Jamaica Plain, Roslindale, or West Roxbury, may think they do not have enough room for a multitude of exercise equipment. But you would be surprised how little space you need. You really only need a few extra feet of space, and if done right that’s more than sufficient. One cardiovascular machine such as a treadmill or elliptical would be terrific! If you don’t have enough space, a simple jump rope or boxing bag will give you a terrific cardio workout. Add some free weights, an exercise ball and bands – instantly you have a home gym. If there’s room for a TV monitor or your computer, you can find dozens of free workout videos on-line.

Where to buy the equipment?  Well of course everything these days can be purchased online. But if you do invest in a piece of home gym equipment, our recommendation is that you buy something as good as you can afford so that it will last a long time. One local store that specializes in high-end fitness equipment is Precision Fitness Equipment 275 Newton St Newton, MA.

And of course if this sounds like too much, or you do not want to have additional “stuff” around the house, then by all means join a gym or exercise studio. We are blessed with several good options in JP.  Our favorites are: Mike’s Fitness - they are currently running a special…and JP Centre Yoga - the instructors are fantastic!  Either way, the point is to get moving in 2013.

Here’s to a very happy and healthy New Year!

As always, we appreciate your thinking of us when you or your family and friends are considering buying or selling real estate in Jamaica Plain, Roslindale, West Roxbury, anywhere in Greater Boston or if they need an agent referral outside of the areas we serve. We are always happy to hear from you!

Ellen and Janis

Home for Little Wanderers Holiday Toy Drive!

bigwishesforlittlewanderers v4 300x47 Home for Little Wanderers Holiday Toy Drive! We are pleased to be the toy captains for the Coldwell Banker Residential Brokerage office in Jamaica Plain who once again is partnering with Bernie & Phyl’s Furniture to collect toys as part of The Home for Little Wanderers’ Big Wishes Gift Drive. Big Wishes is one of the Boston area’s oldest and largest toy drives, supporting children and families who are living in at-risk circumstances and are served by The Home’s programs across Eastern Massachusetts.

We encourage friends,clients, & neighbors throughout the community to drop off new, unwrapped toys at the Coldwell Banker Residential Brokerage office located at 713 Centre St. and any Bernie & Phyl’s store in Massachusetts. The Coldwell Banker offices are accepting donations now through 12:00 noon Monday, December 10, 2012.

The Home needs gifts for children ranging in age from birth to 22-years, with an urgent need for gifts for the 14- to 18-year-old teenagers in its care. To help meet the challenge of providing
suitable holiday gifts for the teens that The Home serves, Coldwell Banker Residential Brokerage and Bernie & Phyl’s are providing up to $5,000 in matching funds for all gift cards that are donated during the gift drive. Some suggested places for purchasing gift cards are music stores and clothing outlets such as Target, Marshalls, T.J. Maxx, or Walmart, and online retailers for personal care items, electronics and sporting goods.

To learn more about ways to help The Home this holiday season, including how you can pledge a gift from a child’s personal wish list or shop from a general list and have the gift delivered free of charge directly to The Home’s Toy Room, visit www.thehome.org/bigwishes.

Thank you & “Big Wishes” for you and your family during the holiday season!

Ellen And Janis

Color Vert Tagline 150x150 Home for Little Wanderers Holiday Toy Drive!

Winterize Your Home!

 

squirrel 300x194 Winterize Your Home! With crisp fall days and the end of Daylight Savings Time upon us we’re spending more and more time inside our homes. Here are a few suggestions for WINTERIZING your home. Whether you live in one of Jamaica Plain’s painted ladies, a condo in Roslindale or single family home in West Roxbury, a few changes can go a long way to keeping you comfortable this winter!

Gutters and downspouts. Make sure your gutters and downspouts are clean and free of leaves, twigs or dirt as backed up gutters can cause leaks inside your home.

Circuit breakers and Smoke / CO detectors. Circuit breakers are mechanical switches and need to be moved regularly so they perform when you need them. This is a good time to make sure that your smoke detectors and carbon monoxide detectors have fresh batteries.

Chimney cleaning. The cold weather usually reminds us to order our firewood for the season. It is also a good time to remember to have our chimney inspected and cleaned so the fire is confined to the fireplace.

Energy audits. For Massachusetts residents, MassSave is an energy savings program for homeowners and renters. MassSave offers information about free home energy assessments, energy saving products and tips, and information on loans, rebates and other incentives for home improvements.

MassSave is a partnership between the Massachusetts gas and electric utility companies and local sellers and installers of home energy conservation products. www.masssave.com

Heating systems. Have your boiler serviced now, before heating season goes into full swing, and make sure your service contract indicates a 24-hour emergency service. You want to make sure someone will actually come out at 11 pm on a Friday night, which it seems is the only time that boilers decide to break down. Change your filters, bleed the radiators if you have them, and while you’re at it, you might think about simulating the heating pipes and your hot water heater in your basement.

Insulating. With the many energy tax credits available, there’s even more incentive to look at ways to reduced energy (and costs). Expandable foam or caulk is a great (and easy) way to close the gaps and to help keep you toasty. Check your windows too. Weather stripping is easy to apply to older windows, keeping out the cold and wind.

Garden hose turnoff. Don’t forget to turn off the water to your garden house, eliminating the mess of a frozen and cracked pipe later this winter.

Best wishes for a great fall! As always, we appreciate your thinking of us when you or your family and friends are considering buying or selling real estate in Jamaica Plain, Roslindale, West Roxbury or anywhere in Greater Boston. We are always happy to hear from you!

Ellen and Janis

 

 

Jamaica Plain Artists’ Ball

10th Annual Artists Ball 150x150 Jamaica Plain Artists Ball The Jamaica Plain Artists Ball, an annual benefit for the JP Centre/South Main Streets, provides neighbors and friends with an opportunity to get together to celebrate an JP Artists Ball 150x150 Jamaica Plain Artists Ball evening of mystery and magic. The ball is held at Eliot Hall, home of The Footlight Club, America’s oldest community theater  Join us on Saturday October 13th at 8 pm for an evening of music, a silent art auction, live auction and wonderful fare from the Jamaica Plain community. Last year over 250 guests arrived dressed in amazing costumes.

JP Centre / South Main Streets is dedicated to building community, supporting local merchants, increasing foot traffic and promoting the artistic heritage of JP.

 

Boston’s Open Studios Schedule

There are still several Open Studios to go see this year!   Talk to and buy art directly from the artist, see demonstrations, listen to music, sample area restaurants and peruse off-the-beaten path retail shops in Boston’s historic neighborhoods!OpenStudios 150x114 Bostons Open Studios Schedule

 

 

 

 

Hyde Park
http://www.hydeparkopenstudios.org/
September 30
12pm – 5pm

Roxbury Open Studios
http://www.roxburyopenstudios.org/
October 6 & 7
11am – 6pm

East Boston Artists Group
http://www.eastbostonartistsgroup.org/
May 19 & 20
Noon – 6pm

Fort Point Arts Community
http://www.fortpointarts.org/
October 19, 4pm- 7pm
October 20-21, noon – 5pm

Dorchester Open Studios
http://dac-online.org/
October 20 & 21
12pm – 5pm

South Boston Open Studios
http://www.southbostonopenstudios.org/
November 3 & 4
Noon – 6pm

Roslindale Open Studios
http://www.roslindaleopenstudios.org/
November 3 & 4
11am – 5pm

Fenway Studios
http://www.friendsoffenwaystudios.org/
November 3 & 4
Noon – 6pm

Allston Arts District
http://www.allstonarts.org/
November 10 & 11
Noon – 6pm

Artists Group of Charlestown
http://www.artistsgroupofcharlestown.com/
December 3 & 4
11am – 5pm

If you have any questions about Open Studios, any of Boston’s wonderful neighborhoods, or Boston Real Estate in general, please feel free to contact us.  We would love to hear from you.

-Ellen and Janis

 

Conducting a Pet Friendly Home Seach

 

Molly 004 2 150x150 Conducting a Pet Friendly Home SeachWhen searching for a new home, buyers often create a short-list of high-value items like an updated kitchen, modern bathrooms, off-street parking, access to good schools, green space and public transportation. While each of these items is important, one aspect of the home search process is occasionally overlooked. Your new place is a home for the entire family – including your pets. By conducting a pet friendly home search, you’ll be sure to find a place that meets the needs of the entire family.

          • Consider city and town regulations. While cats and dogs are welcome in most areas, cities and towns may regulate more exotic pets or limited the type and number of pets within city limits. In Boston, dog owners must obtain a license for their pet each year.
          • Review home owner association (HOA) documents. Each HOA is different so it’s important to know the organization’s pet policy. Your realtor can help you review HOA documents to ensure a good fit and to make sure it’s “pet friendly” and there are no limitations to the number, size, weight of pets.
          • Evaluate pet friendly features during showings. Does the home have enough yard space for your dog to run? Is there adequate space for a dog bed in a warm and friendly part of the house? Does the location of your unit allow for easy entry and exit during walks? Are there too many stairs if you dog is elderly?
          • Assess the neighborhood for pet friendliness. While finding a pet friendly home is important, being the only pet in the neighborhood may be isolating. Check for signs that your new home is in a pet friendly part of town. Do you see people walking dogs at night? Is there a dog park within walking distance of your new home? Are pet supply stores and grooming facilities nearby?

We’re fortunate to have many options in JP, Roslindale and West Roxbury. Peter’s Hill in Roslindale and Millennium Park in West Roxbury are great places to walk your dogs. Polka Dog Bakery on South Street in JP and Pet Cabaret in Roslindale are great places for pet supplies and treats. There’s a new doggie day care, Luxe Pet Resort, on the VFW parkway in West Roxbury. And, Brookline Grooming and Continental Shoppe in West Roxbury are great for grooming your pet. But there’s more to a dog’s life than grooming and treats. Dog walkers like Cheryl Walks Dogs  can keep your pet in shape and acclimated to your new neighborhood.

Owning a home is a wonderful experience for the entire family – including your pets. By keeping pet needs visible during your search, you’ll be sure to find a home that the entire family can enjoy for years to come.

Ellen, Janis and Sophie

Sophie cropped 150x150 Conducting a Pet Friendly Home Seach

LGBT Home Buying Tips and Resources

gay parents 150x150 LGBT Home Buying Tips and ResourcesHome ownership is part of the America dream but LGBT home buyers may encounter a unique set of challenges that only a team of skilled professionals like us can address. That’s why it’s important to find the right realtor who understands your goals and can help you avoid unnecessary pitfalls. By helping many LGBT home buyers we’ve identified 4 essential steps in the home buying process.

First, identify and prioritize your needs

Items that are essential to one home buyer may not matter to another. For example, some home buyers may need to research the local schools or day care options may be important; while for others, they may consider access to open space and public transportation a priority. If you are purchasing your home with a partner or spouse, talk about your “must haves” and your preferences before you begin the home search. And make a list!

Then, research neighborhoods

Once you have identified your needs, searching for a neighborhood may require a little leg-work. Fair Housing laws prevent realtors from recommending one neighborhood over another, but doing a little research online or consulting with friends may point you in the right direction. If you’re moving to a new area, online meet-up groups are a great way to meet like-minded people in your new neighborhood. We’re active in the Boston Gay Women’s Meetup Group, which builds community for women in the Boston Area, especially for women who have recently moved here, or who have recently come out. The group is for women of all ages and backgrounds who identify as gay or queer in any way. There’s also a similar men’s group that’s part of the Meetup network.

Find an experienced agent.

An experienced agent can save you time and streamline the home buying process. Whether you’re single and buying your first home or a couple looking to move into a larger space, choosing the right agent, who understands the legal issues that come along with buying a home, is essential. Experienced agents should be able to refer you to a network of LGBT friendly attorneys, mortgage brokers and other service providers that you’ll need when buying your home.

And, always ask lots of questions.

lgbt rainbow flag 100375401 m 300x199 LGBT Home Buying Tips and ResourcesHome ownership is rewarding but the process may be confusing and, at times, overwhelming. Selecting a professional who understands your needs can help simplify the home buying process. Your realtor, loan officer, and home inspector are valuable resources – do not hesitate to contact them with questions or concerns. Staying informed during the home buying process is essential.

For many people, a home is the most significant investment of a lifetime. Seasoned professionals can streamline a daunting and complicated process. By planning your purchase, working with professionals, and staying well informed you’ll be on your way to a new home. The Association of Gay Realtors provides a list of many helpful websites you may want to check out. We are very active in the LBGT communities in which we live and work, and we are both active members of the National Association of Gay Realtors.

And if you (or someone you know) are considering buying or selling a home we’d love to hear from you.
-Ellen And Janis

The History of Beer Making in Jamaica Plain

Summer is here and we are thinking about barbques, friends, family and beer!  Did you know that Jamaica Plain has a long history with beer making?

While the Jamaica Plain Brewery District  is a frequent stop for modern micro-brew aficionados and tourists visiting Boston, JP has a long, rich history of beer making that dates back to the early 1900.Why did JP become the home to so many breweries? A steady and clean supply of water from the Stony Brook coupled with inexpensive land encouraged German settlers to establish breweries in the Stony Brook section of Jamaica Plain. The Stony Brook begins in Hyde Park and ends in the muddy flats behind the Museum of Fine Arts. The present day Stony Brook is enclosed in a culvert that runs along the Orange Line tracks but in the early 1900’s it provided a steady supply to the breweries located in the area around Amory Street, Heath Street and Columbus Avenue.

Local distribution of ale, and later Germany style lager, was the norm before refrigeration and modern roads made wider distribution possible. At the turn of the century Boston was home to 31 breweries, 24 of which were located in Jamaica Plain, and had the highest number of breweries per capita in the United States.

Today many of the old breweries are gone, but a few of the buildings remain. The American Brewing Company building, at 249A Heath Street, may be the most ornate brewery structure still standing in Boston. The Haffenreffer Brewery located at Bismark and Germania Streets was active from 1870 to 1964 and was considered the queen of Jamaica Plain breweries. The 14-building complex included a bottling plant and extensive storage facilities. The Haffenreffer logo can still be seen on the building’s smoke stack. Today the complex is home to the Samuel Adams Brewery, which provides tours (http://www.samueladams.com/share-passion/tours.aspx) that educate consumers on the entire beer making process – from start to finish.

While the breweries may be gone, Jamaica Plain is home to many new cottage industries and the local tradition of entrepreneurship is a source of community pride. For more information on the history of beer making, visit the Jamaica Plain Historical Society site (http://www.jphs.org/victorian/bostons-lost-breweries.html) and the Boston Public Library’s online collection of brewery posters. http://www.flickr.com/photos/boston_public_library/sets/72157604229758253/

And if you have any real estate questions, please do not hesitate to contact us!

Ellen and Janis

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