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Granite Group Realtors
7 Beale St, Quincy, MA 02170
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Posted by Granite Group Realtors on 9/22/2019

A common problem among homeowners is the reality that life is unpredictable. There are so many things and so many issues that may come along the way. Owning a house can be both an asset and a liability if it does not get done right. 

Can I Sell My Property Even If It Is On Mortgage? 

Yes, you may sell your property even if it is on the mortgage. 

You may opt to sell it because you got your best luck and you are moving before the end of the original mortgage contract.

You may also decide to sell if you own a property, but you are going through some financial difficulty, you may either refinance your home and make use of the equity or sell your house and downgrade to a smaller one or lease an apartment. We have all been there, and the truth of the matter is that every person who has come face to face with financial difficulty should have a guide on how they can go about selling the property. 

How To Sell Your Property On Mortgage

The following are the steps to take:

1. Meet with a professional real estate listing agent. Tell them your situation and they will help you find out your current mortgage payoff. Once this information is available, you will figure out the following items:

- Your current borrowing situation;

- How much your asking price needs to be for you to be able to pay off the remaining loan balance; and...

- The probability of making some money out of the sale.

2. Once you have all the information, the real estate agent can go ahead and make a sale. Afterward, you get to discuss how you are going to get some value off the purchase.

What If The Property Value Is Less Than What I Owe? 

If you owe more than what you are going to make from the sale, you can talk to a bank to make a short sale. You can read more about that in this article.

Final Word

You can follow the above steps and sell your property even if it is on the mortgage. It will take maturity to handle a financial difficulty that forces your hand to sell your house, even if it is not yours yet. It also takes a lot of luck to be able to move to a more prominent place long before you paid off your last mortgage. What matters at this point is to contact a real estate agent and help you get through with the sale without any glitches.




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Posted by Granite Group Realtors on 9/15/2019

Let's face it – clutter is an eyesore that all home sellers can live without. However, removing clutter before you list your house may prove to be difficult, particularly for those with limited time and resources at their disposal.

Fortunately, we're here to help you streamline the decluttering process. That way, you can speed up the process of improving your house's appearance and get your residence show-ready.

To better understand how to effectively declutter your home, let's take a look at three best practices for decluttering:

1. Organize Your Belongings

Old electronics, broken exercise equipment and other items can take up lots of space in your home. If you take a look at all of your belongings, you can differentiate clutter from items that you'd like to keep.

If you haven't used an item in several years or an item simply takes up space in your house, this item likely is clutter. As such, you should eliminate this item from your premises as soon as possible.

On the other hand, items that you use regularly or items that have sentimental value may prove to be keepers. With these items, you should store and maintain them properly to reduce the risk of deterioration.

2. Get Rid of Items That You No Longer Need

There may be a wide range of clutter scattered throughout your house. Although your first instinct might tell you to throw out excess items, it is important to consider whether these items could be sold or donated.

Even though a particular item no longer serves your needs, you may be able to sell this item to the highest bidder. Thus, if you post an item online or host a garage sell, you could earn extra cash by selling your clutter.

In addition, many charities will accept items that you no longer need. If you have excess items that are working properly, reach out to local charities, and these organizations may be able to pick them up at your convenience.

3. Consult with a Real Estate Agent

If you plan to list your home in the next few weeks, consulting with a real estate agent is ideal. This housing market professional can offer expert decluttering recommendations and help you get your house ready for the real estate market.

Typically, a real estate agent will meet with you, evaluate your house and learn about your home selling goals. He or she also will explain the home selling process and ensure you know what to expect before you list your residence.

In most instances, a real estate agent will set up home showings and open houses, notify you about offers on your house and provide various home selling recommendations and suggestions. Plus, if you ever have questions about decluttering your home or other home selling topics, a real estate agent can provide immediate answers.

Simplify the process of decluttering your house – use the aforementioned tips, and you can remove clutter from your residence in no time at all.





Posted by Granite Group Realtors on 9/10/2019

Family owned and occupied for over 90 years, this sought after duplex style multifamily in the heart of South Quincy awaits your remodeling skills to bring this home into the 21st century. Each unit boasts of 2 second floor good size bedrooms and individual full basements with separate washer/dryer hookups, heating systems, electric, gas and hot water. The owners unit also has an additional first floor bedroom. There are separate driveways with ample space for 2 cars each and a large shared back yard.

More Info on this Property | New Listing Alerts




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Posted by Granite Group Realtors on 9/8/2019

If you are not used to the process, moving your home will cost you more than what you budgeted. Your moving costs hinge on how far you’re going, how much stuff you own, and many other factors. However, understanding some of the hidden costs of moving is one of the ways to minimize your moving expenses. Therefore, take a look at the costs and decide if you are paying them or avoid them by considering an alternative. Below are some of the hidden moving costs and how you can avoid them. 

Paying movers to help with packing your belongings

Movers are always ready to help you pack up your belongings for a price. They have specialists as well as a moving team that will assist you in packing your belongings in faster than you could. But, they charge hourly, and you have to pay for their professional service. You can avoid packing cost by doing the packing yourself. You may not be as fast as the professional team, but it is a way of saving your moving cost.

Paying movers to load and unload your belongings

Movers will help you pack and offload your things at a price. The cost may be worthwhile because they are experts that are trained to lift heavy, awkward, and large items. You can also decide to load your belonging at your leisure since many moving companies will drop a trailer or pod container at your home. Also, some movers will even leave their trailer for you to offload your household belongings, giving you the privilege to unload them whenever you feel up to it.

Paying movers according to the weight and quantity of your items

The best way to reduce this cost is to pack only what you need in your new home. Also, check all the things that you have not used for the past three or four years and do away with the ones you don’t need again. 

Stair carry charges

This cost applies when movers take or collect from a higher floor in the house. Also, these charges hold if they have to negotiate steps when moving in and out of your home. The only way to avoid this cost is to make sure that movers don't have to negotiate steps when carrying your belongings. And, what you can do if you are living on a higher floor is to move your items to the main level yourself.

You can realistically minimize costs and avoid several hidden charges once you consider the above tips when moving your belonging to your new apartment. Make sure you ask the movers clearly what all their fees are so that you don't get surprised with an invoice at the end of your move.




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Posted by Granite Group Realtors on 9/1/2019

A homebuyer must stay focused throughout the property buying journey. Otherwise, a buyer risks missing out on an opportunity to acquire the right house at the right price.

Now, let's take a look at three tips to help you stay on course during the homebuying journey.

1. Craft a Homebuying Strategy

Creating a homebuying strategy enables you to outline the steps that you'll need to take to make your homeownership dream come true. Plus, with a homebuying plan in place, you'll be better equipped than ever before to streamline your house search.

Think about where you want to live and what you want to find in your ideal residence. Then, you can make a checklist of home must-haves and wants. And once you develop this list, you can enter the housing market with a plan in hand.

2. Get Pre-Approved for Home Financing

Home financing plays an important role in a buyer's ability to acquire a residence. If you ignore home financing as you move along the homebuying journey, you may struggle to get the finances you need to purchase your dream house.

Oftentimes, it helps to get pre-approved for a mortgage so you won't have to worry about home financing as you move along the property buying journey. To get pre-approved for a mortgage, you should meet with a variety of banks and credit unions. That way, you can learn about all of your mortgage options and select a mortgage that matches your finances.

As you review your mortgage options, don't hesitate to ask questions. Banks and credit unions employ home financing specialists who can remove the guesswork commonly associated with getting a mortgage. These specialists are happy to respond to your mortgage concerns and questions and ensure that you can make an informed home financing decision.

3. Work with a Real Estate Agent

When it comes to staying focused during the homebuying journey, it generally is a good idea to hire a real estate agent. This housing market professional can offer plenty of assistance throughout the property buying journey. And by doing so, a real estate agent will ensure that you can seamlessly navigate the property buying journey and achieve your desired results faster than ever before.

A real estate agent understands the challenges that buyers frequently encounter when they pursue houses and can help you plan accordingly. Furthermore, a real estate agent will guide you along each stage of the homebuying journey and do everything possible to help you avoid potential pitfalls.

Also, a real estate agent provides comprehensive support as you get ready to finalize a house purchase. He or she will help you get ready for a home inspection, appraisal or closing and ensure that you can purchase your ideal house at a budget-friendly price.

Don't lose focus as you pursue your dream residence. Instead, use the aforementioned tips, and you can stay on course and accomplish your homebuying goals.




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