George P. Goulas - KELLER WILLIAMS REALTY | 508-509-3833 | GGoulas@kw.com


Posted by George P. Goulas on 1/15/2020

Online courses are gaining popularity as a way to learn new skills and subjects without enrolling in expensive certificate or degree programs. They’re also great for working adults and parents who don’t have time to leave the house every night to go to a class after work. Better yet, many online courses are free (or come with a free trial), so you don’t have to worry about losing money if you don’t like the course.

You might be wondering, “What can I really learn from an online course that will benefit me as a homeowner?” There are a number of courses relevant to homeowners when it comes to things like the home buying process, budgeting, interior design, and more.

In this article, we’re going to introduce you to some of those courses in case you have some free hours in the evenings and want to learn something new. Read on for our list of the best free online courses for homeowners (or soon-to be homeowners).

Buying a home

Unfortunately, many of us go into the home-buying process knowing little about what to expect. This can be cause for stress and anxiety as you navigate the complicated steps of building credit, getting preapproved, and making an offer.

Udemy offers a one-hour course on home buying that can help you with this process. First, A Beginner’s Guide to Buying Your First Home will help you prepare for a down payment, understand the housing market, and teach you about things like home inspections and appraisals.

Personal finance

I often wish that kids were taught more practical finance and budgeting skills in high school so they have an idea of what to expect once they graduate and enter the workforce or apply to college.

Making financial decisions is stressful at any time of your life, whether it’s taking out student loans, buying your first home, or deciding when is the right time to retire. Fortunately, edX has you covered with this free personal finance course from Purdue University.

You’ll learn about retirement savings, the different types of investments, how insurance works, and the role credit plays in your ability to make healthy financial decisions.

Interior design

Decorating and designing the layout of your furniture is often something that we just guess at. Maybe you saw layouts and colors that you liked on Pinterest and tried to emulate them, or perhaps you just buy decorations and furniture just because you like them and not because they fit the style of your home.

If you want to gain a better understanding of basic interior design and decorating, this series of video lectures from Howcast is a great place to start. With 53 short videos you can watch whenever and wherever you want, you can browse and learn at your leisure, then try some of these methods in your own home.





Posted by George P. Goulas on 1/12/2020

This Single-Family in North Brookfield, MA recently sold for $309,000. This Ranch style home was sold by George P. Goulas - KELLER WILLIAMS REALTY.


38 North Street, North Brookfield, MA 01535

Single-Family

$309,000
Price
$309,000
Sale Price

5
Rooms
3
Beds
2
Baths
This is the one you've been waiting for! Enjoy one level living in this young ranch! Better than new, this home is situated on a nicely landscaped, level lot. Relax on the front porch with views of Perry Pond, and nice proximity to Lake Lashaway. Entertain in your welcoming floor plan with an open concept kitchen and living room. Plenty of cabinets & granite counters in the kitchen and a cozy propane fireplace in the living room. This home features 3 Bedrooms, including a master with a generous size walk-in closet & bath. Washer & Dryer on main level for your convenience and there is a full basement waiting to be finished for more space. Showings begin at the Open House Sunday November 10th 11:30-1:00.

Similar Properties





Categories: Sold Homes  


Posted by George P. Goulas on 1/8/2020

Photo by Olya Adamovich via Pixabay

You’ve decided to start the process of buying a home. Congratulations! Now it’s time to figure out how much money you have, and what you can afford. The goal is to avoid purchasing more home than you can afford, but those variables change. In September 2019, the average price of a new home was almost $363,000. As an average, that may sound a bit steep, especially if this is your very first home.

A home may be one of the largest purchases you make. That’s why it’s important to go in with a clear head and everything aligned. Here are a few tips on learning how to budget when you’re preparing to purchase a new home:

  • Start with the 25% rule

Your mortgage should not be more than 25% of your gross income each month.

  • Consider every source of income you have. That means if you have 2 paychecks each month, each one should be included. If you have side work, that should also be included. That will encompass your total monthly income.
  • Write down your monthly expenses and make sure you leave nothing out. That means your donations to charity, student loans, transportation/gas, movie night, coffee and everything else you spend on a monthly basis.
  • Once you have these figures, subtract the expenses from the income. That will help you determine the max you will be able to pay for your mortgage. It’s also important to have a place to set aside some money for repairs. As a homeowner, things happen.

Any existing debt you have should be eliminated if you can afford it. The lower your debt to income ratio when you start the process, the better off you will be. Additionally, you should save as much as you can for a potential down payment. Depending on the loan, that will be 10 to 20%.

The figures you come up with will give you a good idea of where you stand and is a good starting point for your initial meeting with a mortgage broker. It’s also a good idea to review the types of loans that you may qualify for and look at the requirements. That will give you a general idea of the amount of money you will need to come up with for a viable down payment.

Although things may seem complicated, once you get started, everything should fall into place. Your real estate agent or mortgage broker will be able to provide more insight once you get started. Take your time and don't rush the process. It will be worth your while in the end.




Categories: Uncategorized  


Posted by George P. Goulas on 1/1/2020

A relocation budget is a must-have for those who recently bought or sold a house. If you have a relocation budget at your disposal, you should have no trouble getting ready for moving day.

Ultimately, there are several factors that you need to consider to craft an effective relocation budget. These factors include:

1. Packing Supplies

Moving boxes, packing tape and other packing supplies may prove to be expensive. If you budget for these costs today, you can ensure you have the funds available to cover these expenses before moving day arrives.

Keep in mind that you may be able to pick up unwanted cardboard boxes from grocery stores, too. By doing so, you can get boxes you can use for moving day and reduce your relocation expenses.

2. Personal Belongings

Think about the personal belongings you will need to bring to your new address. That way, you can make the necessary accommodations to guarantee these items can safely make it from Point A to Point B.

If you need to hire a moving company to help you transport your personal belongings to your new home, you should shop around. This will allow you to find a moving company that offers the perfect combination of affordability and convenience.

Furthermore, if you have various belongings you no longer need, you may want to get rid of these items before you move. You can always donate unwanted items to a local charity or give them to family members or friends. Or, you can sell unwanted items online or host a yard sale.

3. Your Relocation Timeline

You may have only a limited amount of time to relocate from one address to another. If you put together a relocation timeline, you can examine the steps you will need to take to complete a successful move. Then, you can incorporate these steps into your moving plan and budget accordingly.

Of course, for those who need to relocate quickly but lack substantial moving day funds, you may want to reach out to family members and friends for assistance. Remember, your loved ones are available to help you in any way they can. If you contact family members and friends for assistance prior to moving day, you may receive lots of help with your move.

If you want an extra hand with moving day preparations and budgeting, you may want to consult with a real estate agent as well. In addition to helping you buy or sell a house, a real estate agent is happy to provide tips to ensure you can seamlessly relocate to a new address.

Oftentimes, a real estate agent can put you in touch with the top moving companies in your area. On the other hand, if you have concerns or questions leading up to a house closing, a real estate agent is ready to address them.

Want to take the guesswork out of an upcoming move? Consider the aforementioned factors, and you can budget for moving day and boost the likelihood of enjoying a successful relocation.




Tags: moving tips   moving  
Categories: Uncategorized  


Posted by George P. Goulas on 12/27/2019

This Single-Family in Auburn, MA recently sold for $155,000. This Cape style home was sold by George P. Goulas - KELLER WILLIAMS REALTY.


64 Berlin St, Auburn, MA 01501

Single-Family

$179,900
Price
$155,000
Sale Price

6
Rooms
3
Beds
1
Baths
CAN YOU DO SOME CONSTRUCTION WORK? THIS HOME NEEDS UPDATES BUT WELL WORTH THE EFFORT. HERE IS YOUR OPPORTUNITY TO LIVE IN AUBURN & BUILD YOUR EQUITY. SOME UPDATES WERE STARTED BUT NEED TO BE FINISHED. KITCHEN CABINETS WERE REPLACED. NICE HOME FOR GROWING FAMILY LOOKING TO MOVE TO AUBURN OR ANYONE LOOKING TO FOR SWEAT-EQUITY POTENTIAL. LOCATED IN DESIRABLE NEIGHBORHOOD OF SINGLE-FAMILY HOMES ON A 1.3 ACRE LOT THAT IS IN THE STONEVILLE RESERVOIR AREA, 1.6 MILES TO ROTARY BEACH RECREATION PARK. NEAR THE AUBURN-WORCESTER TOWN LINE, JUST MINUTES TO WORCESTER WITH EASY ACCESS TO MASS PIKE, I-290, I-395 & Rt.20. FULL BASEMENT WITH WALK-OUT DOOR TO THE BACK YARD HAS PLENTY OF ROOM FOR ALL YOUR STORAGE NEEDS. ALSO COMES WITH A 2-CAR DETACHED GARAGE THAT NEEDS SOME REHAB. ESTATE SALE SOLD AS-IS WITH NO REPRESENTATIONS OR WARRANTIES. 203K REHAB LOANS AVAILABLE FOR QUALIFIED BUYERS! CALL FOR MORE DETAILS & TO MAKE AN APPOINTMENT TO VIEW THIS HOME. BRING FLASHLIGHTS TO VIEW THE PROPERTY.






Categories: Sold Homes  




Tags