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Augusta, ME | 85 Posts
Buy a Home | 24 Posts
Gardiner, ME | 2 Posts
Hallowell, ME | 5 Posts
Home Safety | 1 Posts
Homeownership | 40 Posts
Kennebec Valley | 42 Posts
Lifestyle | 3 Posts
Manchester, ME | 1 Posts
Sell Your Home | 25 Posts

New Year

With 2023 almost here, it's time to think about your New Year's resolution. If your resolution is to become a homeowner in 2023, our real estate agents suggest getting an early start on your resolution by following these tips. 

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Housewarming Tips

Moving is more than just a logistical challenge: it can also set the stage for an unforgettable social event. Many of the people who have recently purchased a property from our Augusta homes for sale have gone on to host housewarming parties for their friends, family, and new neighbors.

These occasions are great for breaking the ice and helping you get settled into your new community. If you're interested in hosting one yourself, our list of tips will help you prepare. 

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Down Payment Savings

Buying a home is a big step! It's an exciting event, but it may be stressful if you're not financially prepared for the down payment. Before you start house hunting, our real estate agents suggest you start saving for a down payment that will get you into the perfect home.

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Competitive Market Tips

You're ready to purchase a home, but every home you're interested in sells before you even have a chance to look at it. Or, maybe you're finding yourself in a bidding war with other potential homebuyers.

Buying a home can be a stressful experience, but this stress is often amplified when you're dealing with a competitive market. Our real estate agents suggest taking the following steps when buying a home in a competitive market. 

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Neighborhood Tips

Adjusting to life in a new place is never easy. Our real estate agents know this better than most. We've helped many families with their home searches and know all about getting settled into a new neighborhood. Here are our team's top five tips for adjusting to life in your new town. 

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Millennial Homebuyers

Millennial homebuyers make up a large percentage of today's buyers in the real estate market. According to the U.S. Census Bureau, there are currently 92 million millennials between their late 20s to late 40s in age. In the 30-plus segment, 35% earn more than $125,000 per year and 51% earn between $55,000 and $124,000 per year. On average, this group is purchasing homes priced between $300,000 and $400,000. These millennial homebuyers are looking for homes with at least 1,800 square feet, 3-4 bedrooms, and 2-3 bathrooms for growing families.

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Checklist for HomebuyersAfter looking at countless Augusta homes for sale, you've finally found your perfect house. The paperwork is all drawn up, and you're just about to close. But wait! First, you need to do your final walk-through. You've been through the house plenty of times, but the way it is right now is the way it will be when you buy it. It's important to make sure that everything is in order.

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Buying a Home

There's a lot to do when buying a home, and once the closing documents are signed and the keys are in your hand, you might think that the hard work is over. However, once you actually own your new home, there are still a few things you need to do to ensure the safety of your new space and to help your family get comfortable in your new digs. Here are a few things to do after you buy your home. 

  1. Change the Locks and Security Codes
    Even if the previous homeowners seem like kind people, you don't know how many people potentially have access to your new home. One of the first things you need to do is change or rekey the locks. If you want to update the look of your home's locks, you can swap the old locks for new ones. However, if you like the look of the old looks or if you're on a budget, you can have the locks rekeyed. When you have a lock rekeyed, the locksmith will adjust the pins and springs so that it fits a different key. Make sure to also change any security codes that potentially provide access to your home, like garage, security system, or gate codes. 
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Starter Home

A starter home is your entry into homeownership. Often starter homes are pictured as smaller properties that are more manageable for a young family to own and maintain, and something, you'll eventually grow out of and sell. The truth is that a starter home is what you make it. The exact home is the one that suits you, but there are some tips to make first time ownership easier. 

Our REALTORS® know first-time buyer concerns and have some tips to get you started.

  1. Estimate Maintenance Costs
    One of the benefits of renting is that you have a maintenance person who fixes things when they break and a landlord who replaces appliances that don't work. When you own a home, that support comes at a cost. The cost is definitely worth it because you are investing in your own property and equity. When you're in charge, you can choose and customize as much as you like, including that smart refrigerator with built-in grocery inventory. But if you aren't super handy or on a limited budget, you may want to start with a smaller and more simple property to avoid larger maintenance concerns. The smaller size will help keep things manageable so you can focus on enjoying the home at your budget now.
  2. Don't Skip Inspections
    Always get a quality inspection even on new builds. Newer isn't always better, so make sure you are looking for quality construction and materials. Many older starter homes have enormous potential. It's important to identify potential problems and understand the needed repairs before getting started. 

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Self-Employed Mortgage - Sprague & Curtis Real Estate

If you're self-employed and considering buying a home, our real estate agents are trained to help you through the maze of red tape associated with obtaining a mortgage. More than anything, you've got to have your paperwork in order, to satisfy the mortgage company's requirements. Being self-employed adds an extra layer to this process. 

Lenders don't make special requirements for self-employed home buyers, although it may seem like it. Regardless of where you work, they ask for proof that you are financially solvent. This includes confirmation of steady income, a good credit rating, and a low debt to income ratio. 

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