Sean Perkins - Stone Ridge Properties



Posted by Sean Perkins on 10/18/2017

It takes as little as two to three missed mortgage payments to receive a foreclosure notice from your lender. Receiving a foreclosure letter from your bank can be as unnerving as receiving a letter from the IRS. What you may not know is that there are generally two stages to the foreclosure process.

Take action on a house foreclosure notice

At first, you will likely receive a notice or letter that you have defaulted on your loan. The type of letter that you receive depends on the housing laws in the state that the house is located in. Additionally, depending on the details in your mortgage, you may need to go to court to start and finalize a foreclosure.

Details included on a loan default notice may include your  full name, street address and the lender's name and address. The reason why you are receiving the notice is also included. There's a likelihood that you will also receive a date by which, if you get caught up in your mortgage payments, you can remain in your house.

Which raises the first step that you could take to keep your house out of foreclosure. As soon as you receive a notice of mortgage default, contact your mortgage lender. Work out a date by which you can get caught up in your loan payments. Go with a date that you know you can meet. If you get caught up in mortgage payments by an agreed date, you can avoid receiving a foreclosure notice of sale.

More ways to keep your house out of foreclosure

Additional actions that you could take to keep your house out of foreclosure will impact your financial health over several years. However, there is another step that could keep you from dealing with a damaged credit rating. But, let's start with the early steps.

Schedule a meeting with your bank and discuss a loan modification. Again, make sure that you can meet the adjusted monthly mortgage payments. It does you no good to work out a temporary plan that you will only default on within a few months.

Take out aloan with another lender to cover the cost of the late payments. Only take out enough to cover the amount of mortgage that you are behind on. This should bean absolute last option, as it will cause you to take on more debt.

Another late option is to file bankruptcy. You will likely need to come up with bankruptcy filing fee. It is possible to find attorneys who will cover their fees until after the bankruptcy goes through. Just know that a bankruptcy will affect your credit for seven years.

You could also ask relatives to give you enough money to get caught up in your mortgage payments. Do this early, long before the bank moves your foreclosure to the sale stage. To avoid having your house go through foreclosure, take on a second job. For example, you could take on contractor work on weekends or in the evenings at home.

Depending on the amount of equity that you have in your home, you could sell items at your house to raise enough to cover late mortgage payments. As worried as you might become after you receive a foreclosure notice, you do have options. Start brainstorming for ways that you could rectify the situation. Above all, take action and reach out to your lender.




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Posted by Sean Perkins on 10/11/2017

If you've bought a home that includes kitchen appliances, you may need to sell your current appliances before moving day. Fortunately, if you host a garage sale, you can sell a wide range of kitchen appliances in no time at all.

Some of the most popular kitchen appliances to sell at a garage sale include:

1. Refrigerator

In many instances, a homebuyer will request a refrigerator in a home offer. And if the seller accepts this proposal, a property buyer may need to get rid of his or her current refrigerator quickly.

Selling your refrigerator during your garage sale offers several benefits. First, you may be able to earn several hundred dollars for your refrigerator if it looks and performs great. You also can sell your refrigerator before your move, thereby eliminating the risk that you'll have to relocate this large, heavy appliance to your new address.

Evaluate the age and condition of your refrigerator prior to pricing it. That way, you can establish a competitive price for your appliance.

In addition, spend some time cleaning your refrigerator's interior and exterior. This will increase the likelihood that your refrigerator will stir up interest from garage sale shoppers.

2. Microwave

Although your kitchen microwave has served you well for many years, you likely have no need for two microwaves at your new address. Luckily, you can sell your current microwave now to earn extra cash prior to moving day.

Many microwaves are available, and as such, you'll want to learn as much as possible about your microwave. This will enable you to provide garage sale shoppers with plenty of information about your microwave's features.

Don't forget to test and clean your microwave before you add it to your garage sale inventory. By doing so, you can guarantee your microwave performs correctly and looks outstanding when you try to sell it during your garage sale.

3. Toaster

Your toaster has been a mainstay in your kitchen, but there may be no time like the present to sell it.

Remove crumbs and other food particles from your toaster as soon as possible. These particles can affect a toaster's performance, and in some instances, create fire hazards.

Furthermore, wipe down your toaster's exterior. An in-depth toaster cleaning will help you generate interest in your appliance during your garage sale.

Kitchen appliances usually are in high demand among garage sale shoppers. If you dedicate the necessary time and resources to clean and maintain these items, you should have no trouble selling them at a garage sale.

Lastly, if you plan to buy a home in the near future, you may want to consult with a real estate agent. This housing market professional can keep you up to date about new homes as they hit the market and help you submit offers on houses. Plus, a real estate agent will make it easy to plan ahead for a pre-moving day garage sale and ensure you can enjoy a seamless transition from one address to another.




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Posted by Sean Perkins on 10/5/2017

Meticulously maintained 4 bedroom 2.5 bathroom oversized Cape with 2 car garage, set in a highly desirable neighborhood! Wonderful open floor plan that's perfect for entertaining. Spacious kitchen that's updated w/ granite counters, stainless steel appliances (Viking 6 burner stove) that opens to dining area with wood fireplace! Family room features vaulted ceilings, ceiling fans and gas fireplace that's perfect for enjoying all the seasons. Master bedroom suite offers a large walk in closet, 3 guest bedrooms and recently updated full bathroom w/ double granite vanity. Notable amenities include newer roof, 1st floor laundry room, semi finished lower level that includes a game room and study. Set on over a half acre of land, the grounds feature an irrigation system as well as an invisible fence. Close distance to parks, schools and all major routes, this is a fantastic offering!

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Posted by Sean Perkins on 10/4/2017

Social media, cell phones and hundreds of television channels may have brought the world closer, a whole lot closer. In fact, because of these devices, it only takes the click of a button to keep up with whatís going on in the world. It seems impossible to perceive of yourself as ever being alone with the constant connections. Yet, there are downsides to relying on technology to connect with another person, especially when it comes to community relationships.

Good neighbor relationships donít happen on their own

Itís not just that rewarding neighborhood relationships help to strengthen trust inhumanity. Itís also not just that good neighborhood relationships give you a support network, people to contact should you need someone to look after your children.

There are health benefits to developing good relationships with your neighbors. Deeper human connections have been reported to ward off feelings of isolation and loneliness. By becoming friends with your neighbors, you also gift yourself with a positive feeling each time you see your neighbor.

You can also have someone to talk with should you deal with a personal or work related challenge. This can help to reduce stress as well as lower your chances of developing a stress related illness or disease. Also, if you have rewarding relationships with your neighbors, you can create incredibly loving, exciting and lasting memories that extend beyond your immediate family.

Steps to great neighbors

But, good neighbor relationships donít just happen. Similar to rewarding relationships between colleagues, a spouse or beau, it takes effort to make a neighbor a friend. Because you live within close physical proximity of your neighbors, it wonít take mileage and transportation expenses to keep in touch.

What it will take is commitment, patience and understanding. A simple first step is to speak with your neighbors when you see them, even if it takes a few times before your neighbors take the initiative and speak to you first.

If your neighbors have children, encourage your kids to make friends with the youngsters. You could also form a neighborhood block party to kick in spring and bid farewell to summer.

When neighbors share information with you in confidence, keep the information to yourself. This means not telling anyone what was shared with you unless the information would put someone in danger. In that event, you may have no choice except to share the information with a professional.

This next tip goes beyond living with neighbors. Get in the habit of practicing active listening skills. For example, donít interrupt your neighbors when they are speaking. Also, avoid framing your response to a question or comment that a neighbor shares with you while your neighbor is speaking. Active listening is a great way to build trust.

As you get to know your neighbors better, consider inviting them over to your house to enjoy a chat on the front porch. If your neighbors reciprocate, they should start to invite you over to their place as well. Right now, it may sound far fetched, but your neighbors could become among your very best friends if you put in the effort to get to know them better.

Even more good news is that itís never too late to start to make the effort to become friends with your neighbors. It may be as simple as saying ďhelloĒ each time that you see your neighbor. Finding out what your neighborís name is also helps. So too does practicing active listening skills and valuing your neighborís ideas, opinions and thoughts.




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Posted by Sean Perkins on 9/27/2017

Finding the ideal home for your family's needs is no easy task, but if you stay organized and focused, the right property is sure to come along!

One of your most valuable resources in your search for a new home is an experienced real estate agent -- someone you trust and feel comfortable working with.

They'll not only set up appointments for you to visit homes in your desired price range and school district, but they'll also help keep you motivated, informed, and on track. Once you know and have shared your requirements (and "wish list") with them, your agent will be able to guide you on a path to finding the home that will best serve your needs -- both short- and longer term.

In addition to proximity to jobs, good schools, and childcare, you'll probably want to pick a location that's close to supermarkets, recreation areas, and major highways. If you have friends or family in the area, then that would also be a key consideration.

While your immediate needs are a good starting point for creating a checklist of requirements, it's also a good idea to give some thought to what you may need in the future. Plans to expand your family, possibly take care of aging parents, or adopt pets are all factors to consider when looking at prospective homes to buy.

If you have college-age children or recent graduates in the family, you might have to save room for them in your new house. Many grads need a couple more years of financial and moral support from their parents (not to mention home-cooked meals) before they're ready to venture out on their own. Houses with a finished basement, a separate in-law apartment, or even a guest cottage on the property are often well-suited for multigenerational households.

In many cases, people tend to buy a home based on their emotional reaction to it, and then justify the purchase with facts. For example, if the price was right and a particular house reminded you of your childhood home, then that combination of elements could prompt you to make an offer on the house -- assuming those childhood memories were happy!

Sometimes prospective buyers might simply love the look and feel of a neighborhood or the fact that there's a spacious, fenced-in back yard in which they can envision their children or dogs happily (and safely) playing.

According to recent surveys, today's buyers are attracted to homes that have energy efficient features, separate laundry rooms, and low-maintenance floors, counter tops, and backyard decks. Gourmet kitchens, stainless steel appliances, a farmhouse sink, a home office area, and outdoor living spaces are also popular features. Although your tastes may differ, many house hunters also like design elements such as subway tiles, hardwood floors, shaker cabinets, pendant lights, and exposed brick.

When it comes to choosing the home that you and your family will live in for the next few years, your top priorities will probably include a sufficient amount of space, plenty of convenience, and a comfortable environment in which you and your loved ones can feel safe, secure, and happy for the foreseeable future!







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