Paul W Sullivan & Assoc



Posted by Paul W Sullivan & Assoc on 6/16/2019

The interior look of your home says a lot about you; it tells of your kind of style, your personality, and your taste. From the living room to the kitchen, to the bedroom, your signature gets imprinted on all the designs used. Every other year, there are new styles and designs for decorating and furnishing your home. This year is no different; and new techniques promise to make for exciting home designs.

Designers and manufacturers are making patterns and fabrics in bolder and captivating colors; the idea is to select designs that are classic and beautiful - at the same time blending with your personal style. 

Here are trends and style you should look out for this you for your home decorating:

Boldly Patterned Kitchen Design

Gone are the days where there are specific colors apportioned to a different part of the house, the kitchen all painted in white - looking like a hospital wall. The trend for this year is a kitchen personalized with designs that blend flawlessly into other parts of the home. 

More Emphasis on Nature

Using natural items in design and style is on the uprising. Tables made from petrified woods; stools wrapped up in coconut shell beads, chair patterns mimicking a wheat field; everywhere you turn, the design now seems to be screaming nature. 

Splashes of Hue

The millennial pink color seems to be the Ďnew black,í the color tone is cropping up everywhere and in most designs. From rugs splashed with this dusty hue to drapery and upholstery, the color doesnít seem to be going away soon. The color has a flattering look and is thought to have a lasting effect on the mind. 

More About Your Personality

The present generation doesnít seem to have issues embracing their differences; they wear it proudly like a badge. Home designs for this year are more about individual personality and less about what trend is in vogue. More people are buying the idea of various colors and patterns in their homes; they want their homes to have stamps of their personality everywhere you turn. An example is mixing furniture styles from different periods in your living room; itís considered charming and your personal style. 

Maximalist Trend

The style for this year is kicking out simplistic and minimal designs which some consider boring. Welcome bright and bold colors, graphic patterns, embellished, maximalist and hand-crafted designs. Don't be shy about mixing patterns, textures or colors as these are becoming the norm in most homes. Hardware designs are not left out as leather will replace brass and rose gold. 

This yearís home decorating trend is all about you. Whatever style suits your personality is what you should have in your home. You can also consult an interior decorator to get a professional opinion.





Posted by Paul W Sullivan & Assoc on 6/9/2019

Let's face it Ė there is no shortage of buyers competing for the top residences. However, there are many things you can do to rise above the homebuying competition, and these include:

1. Review the Local Housing Market

The housing market fluctuates. In some instances, the housing market may favor buyers. Or, in other cases, it may favor sellers.

If you analyze the local housing market closely, you can differentiate a buyer's market from a seller's market. You then can map out your homebuying journey accordingly.

To distinguish a buyer's market from a seller's market, you may want to look at available houses in your city or town. If homes are selling just days after they become available, a seller's market may be in place. Comparatively, if houses linger on the real estate market for an extended period of time, the real estate sector likely favors buyers.

2. Get Pre-Approved for a Mortgage

With pre-approval for a mortgage, you will know how much you can spend on a house. Then, you can narrow your house search to residences that fall within your price range.

To get pre-approved for a mortgage, you should meet with a variety of lenders. These financial institutions can teach you about many mortgage options and help you choose home financing that suits you perfectly.

Of course, selecting a mortgage can be difficult, regardless of whether you are a first-time or experienced homebuyer. But if you ask mortgage questions and perform a comprehensive home financing analysis, you can choose the right mortgage without delay.

3. Establish Homebuying Criteria

Homebuying criteria is a must, particularly for those who want to seamlessly navigate the property buying journey. Because if you enter the real estate market with homebuying criteria in hand, you can speed up the process of finding your dream residence.

As you craft homebuying criteria, you should try to define your dream house. Think about the features you want to find in a home. You next can include these features as "must-haves" on your list of homebuying criteria.

In addition, consider where you want to reside. If you hone your house search to residences in a select group of cities and towns, you may be able to quickly discover a great home that you can enjoy for years to come.

For those who require extra help during the homebuying journey, you may want to hire a real estate agent, too. In fact, with a real estate agent at your side, you can receive in-depth assistance as you pursue your ideal house.

A real estate agent understands what it takes to navigate any housing market, at any time. He or she will help you search for residences that match your expectations. Plus, if you have any homebuying concerns, a real estate agent will address them right away.

Gain a competitive advantage over rival homebuyers Ė use the aforementioned tips, and you accelerate the process of finding and purchasing your dream residence.




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Posted by Paul W Sullivan & Assoc on 6/2/2019

When you buy a home, thereís more to shop for than just the right place to live. Before you settle with a lender, you should shop around a bit. You want to be sure that your lender has your very best interests in mind when youíre in the midst of making one of the biggest purchases of your lifetime. Below, youíll find some of the most important questions that you need to ask a lender while youíre in the process of buying a home.


Do You Offer Any Special Programs?


Choosing the right lender involves choosing a firm that offers the types of programs that will be helpful to your specific situation. You should look for a lender that offers a wide array of loans to suit your needs. Beware of any lender who tries to push you into a certain type of loan, especially if you donít feel that it is a good fit for you. 


Do You Understand The Terms Of Certain Types Of Loans?


If you are seeking a certain type of loan, you probably should tell your lender that upfront. Of they seem familiar with it and have worked with the loan before, youíre in good hands. If the type of loan that youíre looking for is more uncommon, then you may need to shop around carefully for the right lender who understands your needs. 


Do I meet The Qualifications For Specific Loans?


The requirements for the same loan at two different lenders could be different. Things like your credit score could be a big factor. If you have a less than desirable credit score, this would also prompt you to want to look around a bit. You should know that different lenders have different terms and looking at a few lenders could be beneficial to you.


What Are The Mortgage Rates?


Youíll need a general ballpark idea of what rates will be for you when you finally secure that home loan. Keep in mind that rates fluctuate often and that an estimate will be just that. Itís not a number that will be set in stone, however, it will give you a good place to start as you shop around for a loan. 


Do You Help With Down Payments?


There are many down payment assistance programs available and your lender can help you to navigate them. The more you put down, the better your interest rate will be. If the amount that youíre able to put down on a home is a factor for you, definitely discuss it with your lender.


Can You Provide Pre-Approval Proof?


In hot real estate markets, youíre going to need some proof that youíre pre-approved in order to have the upper hand once you put in an offer on a home. Your lender should be able to provide your real estate agent with a certified letter of your pre-approval and the amount. 


Choosing the right lender is just as important as choosing the right realtor and the right home to buy. Itís just another part of the home buying process!




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Posted by Paul W Sullivan & Assoc on 5/26/2019

Believe it or not, your credit score can make a world of difference as you get ready to search for your ideal house. If you have an excellent credit score, you likely will have no trouble obtaining home financing. On the other hand, if you have a bad credit score, you may struggle to get the financing you need to make your homeownership dream come true.

Ultimately, there are many reasons why you should try to boost your credit score before you purchase a home, and these include:

1. You can simplify the homebuying process.

Purchasing a home can be challenging, particularly for property buyers who fail to get pre-approved for financing. Luckily, if you request copies of your credit reports, you can find out your credit score and identify ways to improve it. Perhaps most important, you can explore ways to bolster your credit score before you submit a mortgage application and increase the likelihood that you can receive pre-approval for a mortgage.

It usually is a good idea to review your credit reports before you enter the housing market. You are entitled to a free copy of your credit report annually from each of the three reporting bureaus (Equifax, Experian and TransUnion). If you request a copy of your credit report from the three reporting bureaus, you can learn your credit score and plan accordingly.

2. You may qualify for a low interest rate on a mortgage.

An excellent credit score may help you get a low interest rate on a mortgage. Thus, if you have an excellent credit score, you may wind up reducing your monthly mortgage payments.

Of course, a low interest rate on a mortgage may allow you to invest in your home as well. If you use the money that you save on your mortgage to complete home improvements, you could upgrade your residence and increase its value over time.

3. You can select the right mortgage option based on your individual needs.

With an outstanding credit score, there likely will be no shortage of lenders that are willing to work with you. As such, you can review a broad range of mortgage options and choose one that matches your expectations.

If you need to improve your credit score, there's no need to worry. Typically, paying off outstanding debt will help you boost your credit score prior to buying a house.

Furthermore, if you receive a credit report and identify errors on it, contact the bureau that provided the report. This will enable you to make any corrections right away.

And if you need help as you get ready to pursue your dream house, don't hesitate to reach out to a real estate agent too. A real estate agent can put you in touch with the top lenders in your area and make it easy to obtain home financing. Plus, this housing market professional will enable you to evaluate residences in your preferred cities and towns and find one that you can enjoy for an extended period of time.




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Posted by Paul W Sullivan & Assoc on 5/19/2019

Buying a home that works for both seniors and young children can be complicated, if not impossible. When searching for a new home, itís important to keep in mind the special requirements for every member of your family both now, and as they continue to age.

Parents or other older relatives may need assistance getting upstairs or in and out of a tub. Even if they are fine now, aging is a tricky thing and mobility issues can crop up at any time. Planning for them now can save you money and stress in the future.

At the other end of the spectrum, child-proofing a home is important for small children or new infants, so keep an eye out for sharp edges and remember youíll have to bring strollers, high-chairs, car seats and more so plan for easy-to-open doors. Donít forget that as your kids get older, their needs will change as well: plan for privacy and personal space where you can to save on upgrading your home in the future.

For the best home search, make sure to let your real estate agent know who all will be living with you. He or she can assist in finding homes with the features you need and can provide advice about what things are feasible to change yourself, and what will make a house cost more than your budget in the long run.

Some important features to look for include:

  • ?Need help affording a home that meets all your needs? What if you just want to upgrade your existing home? Government agencies offer financial grants and assistance to retrofit your home for the elderly. Check with your agent to see what you might qualify for.
  • Ready to find the forever home for your entire family? We can help! Talk to your agent about the best way to search for your new home.
  • Wide Doorways: A door without a turning requirement (and those that open wider than a right angle) need to be at least 32 inches wide to ensure that wheelchairs and walkers will fit. Right angle doorways or those that require turning to enter or exit should be at least 36 inches wide.
  • Wide Hallways: For comfortable use by strollers, walkers, and wheelchairs, look for hallways that are at least 42 inches wide. That much space gives you the option of installing handrails on one or both sides. Handrails can help both small children learning to walk, and elderly people with mobility issues.

Thatís the easy part. The hardest room for both the very young and the elderly is the bathroom. Itís a good idea to ensure that your home has a minimum of 2 full bathrooms to allow you to accommodate the needs of all members of your family. Seniors need ADA toilets (also called comfort height) and grab bars, while your small child would need an extra-tall stool to use the taller toilet. Large showers with floor level entrances, seats and grab bars are best for the elderly, but its often easier to wash your kids in a tub, especially when theyíre young. With two bathrooms, you can satisfy the needs of everyone in the family.

Last, but not least, pay attention to faucets, handles, and knobs. Rounded ones can be difficult for both the old and young members of your family. Look for a single handle, lever and touchless options for the best results all around. Donít forget to test cabinets and drawers for weight or friction pull closers since those are more difficult than soft close or magnetic options. Itís okay if the home doesnít come pre-fitted with the knobs, handles, etc. you want, a quick trip to your local hardware store will solve it.

Need help affording a home that meets all your needs? What if you just want to upgrade your existing home? Government agencies offer financial grants and assistance to retrofit your home for the elderly. Check with your agent to see what you might qualify for.

Ready to find the forever home for your entire family? Talk to your agent about the best way to search for your new home.




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