Cynthia Owens - Five College REALTORS ®



Posted by Cynthia Owens on 8/15/2019

With all the fixing, renovating, and flipping showing on television, your standard builder grade home seems sadly lacking. When you bought it, you intended to plant yourself here for a while, to moving to a farm to get the farmhouse look isn’t in the cards. Luckily, builder-grade makes the perfect canvas to boost your basic look without busting the budget. 

Get the [Farmhouse] Look for Less

  • Beadboard: Adding beadboard along breakfast nook and dining room walls bring instant country charm. Instead of expensive solid oak beadboard, choose four-foot by eight-foot faux pressed beadboard panels from your local DIY store. Cut them in half width-wise to get two four-foot by four-foot sheets. Attached them side by side to your walls with a nail gun and glue for best results. Top it off with flat pine board and paint it all a glossy white.
  • Board and batten: This wall-treatment works best for mudrooms or hallways and adds character and charm to a plain stairway wall too. Get the look by nailing flat four to six-inch pine boards evenly spaced vertically along the wall. Leave measured room at the top and bottom for baseboard and chair rail or crown molding. Paint the boards and the wall between in a satin or semi-gloss paint in farmhouse blue, mint green or another color that speaks to you.
  • Faux shiplap: While you sometimes can find real pieces of shiplap in outlets that handle reclaimed wood, you can get a similar look using pine planks. Similar to the board and batten treatment, nail the boards onto the walls, but horizontally, with about a three-quarter inch space between them. For easier installation create a couple of spaces from scrap wood to hold your boards in place. Choose an accent wall or niche for your installation area, then paint the boards with chalk paint to give you that aged country look.
  • Butcher’s block countertops: If your budget lends itself to replacing the countertops, replace that Formica with natural butcher’s block. If solid butcher’s block is out of the question, stores like Ikea carry a bamboo version for less and Wilsonart has laminate versions with coordinated edges that are hard to tell from the real thing.
  • Fixtures and finishes: Even if you can’t afford the farmhouse-style sink, you can change out the fixtures to give you the look. Opt for bronze or coppery finished for cream or white sinks and go for brushed satin nickel to complement your stainless steel. Change out light fixtures, drawer pulls, and knobs from the “that’s-so-90s” brass ones and consider chalk-paint to give your cabinets a stress-free new look.
  • Timely trims: Finally, trim the doorways with—you guessed it—more flat pine boards. Use four-inch boards on the sides but add some drama to the top with six or eight-inch boards and a little bit of half-round to cap it off.

If you love the farmhouse style, try one or several of these steps to get a look that sets your builder-grade home apart from all the rest when it comes time to sell. For an estimate on what your re-imagined farmhouse will fetch on the market, talk to your realtor.




Categories: Home Improvements   homeowner   DIY  


Posted by Cynthia Owens on 8/8/2019

If you are planning to move with truck rental, it is essential you get moving truck insurance. Therefore, you need to look at the company's insurance and protection policies.There are several advantages of having moving truck insurance, apart from the peace of mind it brings, it also protects you against any unforeseen happenings.

What are the types of truck rental insurance? The four types of truck rental insurance include:

Damage Waivers

This type of rental insurance protects against theft or any damage to the truck.  The person renting the truck will be responsible for any damage done to the vehicle if the company offers a personal damage waiver.  The individual that rents the truck will bear up to $500 worth of damage if the company issues a limited damage waiver.  The truck rental company will take care of the rest in this case.

Supplemental Liability Insurance 

Supplemental liability insurance protects you when you hit a vehicle.  This insurance policy protects renters against any claims leveled against them. 

Personal Accident and Cargo Protection 

The Personal Accident and Cargo Protection insurance protects the renters and the belonging while inside the truck.  This type of insurance does not cover damage because of shifting cargo or theft.  It is advisable to go through the details of this protection policy to know what it covers and does not cover. 

Auto Tow Protection 

You need Auto Tow Protection insurance if you are using a trailer to tow your vehicle.  This insurance protects the car against any damage done while pulling your vehicle.  The Auto Tow Protection policy covers damage caused by hail, windstorm, landslide, collision, flood, or explosion.

Advantages of Moving Vehicle insurance 

There are lots of benefits of buying coverage from your truck rental company. A lot of renters underestimate the importance of having moving vehicle insurance because they think that occurrences that warrant insurance are less likely to occur.  Here are some benefits of moving vehicle insurance:

It offers protection against unplanned circumstances like an accident, theft, damage among others

Moving vehicle insurance gives you peace of mind when you are moving your belongings from one location to the other.  

You can get your belongings covered by purchasing additional cargo insurance.  This insurance policy protects your items against damage.  Be sure to check the insurance policy to know what it includes.  

If you are planning to move your belonging to your new house, do not overlook the importance of having moving truck insurance because of all the benefits and protection that it offers you. Don't forget to ask your mover before committing to a moving truck.  




Categories: Moving Tips   Insurance  


Posted by Cynthia Owens on 8/1/2019

This Single-Family in Amherst, MA recently sold for $505,000. This Contemporary style home was sold by Cynthia Owens - Five College REALTORS ®.


1 Tuckerman Lane, Amherst, MA 01002

Single-Family

$525,000
Price
$505,000
Sale Price

11
Rooms
5
Beds
3/1
Full/Half Baths
Stunning N Amherst contemporary, dancing with light, space and grace. 5 Bedroom, 3 1/2 bath with in-law potential in the walk out basement. Gracious open floor plan - Living room with vaulted ceilings and skylights. Cozy up to the woodstove or enjoy the southern wall of windows, bringing the outdoors and sunshine in. Kitchen with breakfast bar and eat-in area, generous dining room and family room with lots of storage - all overlooking the southern deck and offering a fantastic flow for living & entertaining. Generous Master Bedroom suite with large walk-in closet, dressing area and private balcony. Oversized garage, convenient mud/laundry area and fantastic finished basement offering additional living or income potential! Very private in a very convenient North Amherst location, close to town and the University, Cushman & Puffer's Pond. This lovely home is a must see!

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Categories: Sold Homes  


Posted by Cynthia Owens on 8/1/2019

Buying a home tops your long-range goals list, but are you ready? As a first-time buyer, you have loads of questions and concerns. After all, a home loan is an obligation for years into the future. You want to make savvy decisions and be comfortable that you’ve negotiated the best deal. On top of that, learning all about credit scores, how to pre-qualify and the difference between pre-qualification and pre-approval. And what are options and closing costs?

Fannie Mae, the Federal National Mortgage Association (FNMA) government-sponsored enterprise (GSE) that serves the mortgage industry, knows what you need to know about buying a house. They’ve put together a course for new homebuyers called HomePath Ready Buyer Education Program.

Enroll now

The online course lets you attend from the comfort of your sofa. After completion, a “graduate” may qualify for assistance up to three percent of the closing cost of purchasing a qualified HomePath property. You won’t end up with an education loan either. Tuition is just $75, and Fannie Mae says it could even reimburse your tuition during closing on your new home. Now that’s a deal!

What you learn

Because the course design has new buyers in mind, you’ll learn to determine how much you can afford to buy and ways to figure out what home is best for you. Making the deal and learning about down-payment options will get you on your way. Finally, you’ll learn to avoid the pitfalls, and all the navigate the paperwork required to close the deal.

How long does it take?

The entire course is nine 30-minute sessions, so along with the quiz at the end (no final exam though), the total class takes about four to five hours. Designed to be intuitive and self-directed, you can work your way through the course over a few evenings, on your lunch hour, or even during your morning commute (provided you’re not the driver, of course!).

How you benefit

In addition to the three percent closing cost assistance and tuition reimbursement, your Certificate of Completion may qualify you up to take advantage of the First Look program. By giving first-time homeowners an exclusive "first look" at newly-listed foreclosed properties, this innovative program serves new home seekers and promotes neighborhood stabilization.

Fannie Mae relies on real estate professionals to follow through on the home-buying process. For more information, express your interest in the HomePath program to your real estate professional.





Posted by Cynthia Owens on 7/28/2019

This Multi-Family in Westhampton, MA recently sold for $380,000. This style home was sold by Cynthia Owens - Five College REALTORS ®.


83 Montague Road, Westhampton, MA 01027

Multi-Family

$399,000
Price
$380,000
Sale Price

2
Units
2,548
Approx. GLA
A rare opportunity to own a two family property, in the rural community of Westhampton, bordered by conservation land and only 15 minutes to downtown Northampton. Perfect for the multi generational living arrangement or rental opportunity to help subsidize your mortgage. The first floor features (2) bedrooms with an additional room for an office/den plus a sunroom with access to the private back yard and a stackable washer/dryer. The second floor addition is 1400 s.f. with (4) bedrooms and a spacious full bath with washer/dryer. An open floor plan with remodeled kitchen featuring granite counters & stainless steel appliances transitions to the dining room and living room, which leads to the 10x20’ deck. Two sheds; one with heat and electricity. Perennial gardens for the avid gardener. Separate utilities. New driveway (2016), Roof (2016), Submersible Water Pump (2018). High efficiency Buderus Boiler. Generator is for the 2nd FL.only. Wood floors throughout.






Categories: Sold Homes  




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