Mary Moloney - KELLER WILLIAMS REALTY / Merrimack Valley



Posted by Mary Moloney on 5/26/2020

Photo by Larisa Koshkina via Pixabay

Restoring native habitat to our surroundings is like pressing the "refresh" button on biodiversity. Homeowners who embrace native gardening are making big contributions to healthy landscapes, which is great for maintaining the native ecosystems.

Making a Difference—Beautifully

Native plants are the greenery that would grow in certain areas with or without human intervention. These plants evolved along with the rest of the living community in the same area, meaning native, dynamic gardening brings in more than plants. It buzzes with life and energy, above and below the soil - from flitting birds to pollinating insects.

The impact of native plant species on even a small stretch of land is impressive. Areas where oak trees thrive, for example, can sustain about a hundred times the diversity as other types of nursery trees. This is all due to the fact that the oak is the native tree of the land and has a built-in capacity for the surrounding ecosystems.

What's more, native gardens produce beautiful flowers, abundant fruits, and lovely, ever-changing seasonal displays of subtle and vibrant hues. They produce the age-old foods of a local area's wildlife. The nectar attracts pollinators, such as bats and hummingbirds.

Payoffs of Native Gardening

You can re-do your garden completely and go 100% native— or choose to implement a majority of native plants with a few accented implants. You could also gradually transform your garden by bringing a few native plants yearly into what you already have. This is called "conservation by addition." 

Either way, native plants in a landscape or garden take about as much effort as establishing other plants you might buy from a market or nursery. Yet after their roots take hold, native plants can flourish with surprisingly little gardening work.

Indigenous plants have evolved to do well in the local weather and soil. This means they rarely need extra resources or sprinkler systems for support. Great news for water bills! No matter what size your garden project, your native garden can help save water and key resources.

Plus, oaks, maples, and other native trees to your region work efficiently to hold in carbon dioxide while replenishing precious oxygen. These trees continually add shade, beauty, and pure, refreshed air to your surroundings.  

Ready to Give It a Go?

Visit natural areas around you. This will give you ideas about what will fit in well on your property. Use your zip code to find local plants that will delight your local birds and bees.

Contact other gardeners in your area for advice. Social media is another great source of tips.

Then enjoy learning, and celebrating the natural character of the land on which you live.




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Posted by Mary Moloney on 5/19/2020

No matter what your age, buying a new home symbolizes the beginning of a new chapter in your life. It's an exciting event, whether you're a first-time home buyer or a retiree looking to downsize. When you stumble upon a house in your price range that has the features and characteristics you've been searching for, it can be a life-changing moment!

Unfortunately, it's at this point that many people cast their good judgment to the wind! Although it's difficult to separate your emotions from the rational part of your brain, it's crucial that you try to make a balanced decision -- one that's based on your budget, your short-term needs, and your long-term goals.

Sometimes buyers can develop "tunnel vision" when they see a house with a white picket fence, a big backyard, or a cozy-looking eat-in kitchen. In some cases, people are irresistibly drawn to a house that reminds them of where they grew up. While all those elements can enhance a home's ambiance and charm, the most satisfying home-buying choices usually come from being able to look at "the big picture."

One vital step in the house-buying process that helps eliminate a lot of the risk is having the property carefully looked over by a certified house inspector. That way, even if your judgement is a little skewed by your emotional attachment to the house's architectural style or its resemblance to the house you grew up in, you can be reasonably sure it is structurally sound and free from any major defects. Although home inspectors can't look behind walls or accurately predict how long an HVAC system will last, they can provide you with valuable insights into the condition of the house, the stability of the foundation, and other aspects of the property. When you know the strengths and weaknesses of a house you're considering buying, you can make an informed decision that will be based, in large part, on a professional, objective opinion.

Other factors worth bringing into your decision might include the commuting distance to your job or business, the amount of privacy the property affords, the overall character of the neighborhood, and the proximity of the property to grocery stores, drug stores, other retail shops, entertainment, recreation, childcare, medical services, family, friends, and other necessities. When choosing a place to call home, you may also want to take note of how quiet (or noisy) the neighborhood is, its access to highways and transportation services, and the reputation and ranking of the local school district.

Additional information about desirable places to live can be gleaned from websites like Livability, U.S. News and World Report, Niche, Money Magazine, and the National Association of Realtors. To get expert guidance that relates to your specific circumstances and wish list, consider working with an experienced real estate agent. They'll help you navigate the market, negotiate on your behalf, and find the home that best suits your needs and lifestyle.





Posted by Mary Moloney on 5/12/2020

If you intend to purchase a great house at a budget-friendly price, you should craft a homebuying timeline. That way, you can decide the best ways to achieve your homebuying goals.

Ultimately, creating a homebuying timeline can be simple – here are three tips to ensure you can develop a successful homebuying timeline.

1. Know When You Want to Move

For those who want to buy a house, it helps to consider your current living situation. By doing so, you can determine the necessary steps to relocate from your current address and acquire your dream residence.

If you presently own a house, you may need to sell it before you purchase a new home. Or, if you currently rent, you may need to give your landlord sufficient notice prior to your relocation. But if you consider the aforementioned factors closely, you can set a deadline for your move.

With a deadline in place, you can start your dream home pursuit. And once you find this residence, you can submit an offer and proceed with a home purchase.

2. Get Your Finances in Order

If you want to develop a successful homebuying timeline, it generally is a good idea to consider your financial situation as well. Because if you lack the necessary home financing, you are unlikely to be able to acquire a wonderful house any time soon.

As you develop your homebuying timeline, you may want to meet with banks and credit unions. These financial institutions can teach you about a wide range of mortgage options and help you get the financing that you need to buy your dream house.

Furthermore, you should check your credit score when you craft your homebuying timeline. If your credit score is low, you may need to improve it prior to buying a house. Thankfully, you can account for this factor as you map out your homebuying strategy and plan accordingly.

3. Collaborate with a Real Estate Agent

Developing a homebuying timeline may prove to be challenging. Luckily, real estate agents are available who can help you take the guesswork out of purchasing a house.

A real estate agent can teach you the ins and outs of buying a home. As a result, this housing market professional will enable you to enjoy a quick, seamless homebuying experience.

Perhaps best of all, a real estate agent can make it easy to acquire a terrific house on your timeline. This means if you want to purchase a top-notch house as quickly as possible, a real estate agent will do everything possible to make your homeownership dream come true. Comparatively, if you want to take a slow, gradual approach to buying a house, a real estate agent is ready to respond to your homebuying needs.

When it comes to buying a house, it helps to have a timeline in place prior to starting a house search. Fortunately, if you use the aforementioned tips, you can streamline the process of establishing a successful homebuying timeline.




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Posted by Mary Moloney on 5/5/2020

If you’re searching for a home and are looking for a deal, you may turn to homes that are listed as “For Sale By Owner.” These homes tend to be a great deal for the sellers, but not necessarily the buyer. This makes it all the more important that you hire a buyer’s agent for yourself. Your agent can check a bit of the work that the owner is doing without hiring a real estate agent for himself. When buying a for sale by owner property you’ll want to do all of the same things that you would do if you were buying a property that was for sale through a realtor including:


  • Check the asking price through comps
  • Get a property inspection
  • Make an offer and complete contract negotiations
  •  Check how long the home has been on the market


Just because a home is for sale by an owner, there’s no need to give up on the normal procedures that one goes through in buying a home. You have the right to have a buyer’s agent represent you in the transaction. Beware though as some for sale by owners are not willing to pay commission to any agents including buyers‘ agents. Be sure that the contracts are clear in this area so that you don’t fall in love with a home only to find out that you can’t use your agent in the transaction.


Other Points To Consider In A For Sale By Owner Transaction


You may need to hire an attorney, especially for an estate sale or short sale. 


You still need a home inspection and have the right to back out of the sale if something isn’t satisfactory about the home. The home inspection is important because it can reveal serious problems with a home such as high levels of radon, issues with the furnace, or a possible plumbing disaster waiting to happen.           


You may want a C.L.U.E. Report 


This type of report tells you what kind, if any, insurance claims have been made on the property in the past 5 years. The report will detail the date of the claim, the cause (if a natural disaster) and the amount that was paid to fix the damage. 


You should still get pre-approved


Getting pre-approved before buying a home is just something that should be automatic for buyers. It really lets the seller know that you’re serious about purchasing a property.


Buying a for sale by owner home is the same as purchasing any other property. You’ll just need to be an informed buyer through the process in order to make sure you’re doing what’s right for you.        





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Posted by Mary Moloney on 4/28/2020

There are a number of steps involved in buying a home. One of the many important things you should do before closing on a new home is to get the house properly inspected.

Buyers sometimes avoid getting a professional inspection for a number of reasons. Some are on a tight budget and want to save a few dollars. Others have time constraints and want to close as soon as possible. And, many buyers believe that omitting an inspection is a way to show trust in the previous owner.

In this article, we’ll talk about why getting a home inspection is such an important part before closing on a real estate deal.

Inspection costs

Closing on a home comes with a number of expenses. Application fees, origination fees, underwriting fees… the list goes on. If you’re buying a home, you might be tempted to opt out of getting the property inspected to save money.

The cost of an inspection ranges anywhere from $200 for smaller homes, to $400 or more for large homes. However, the cost of not getting your home inspected can be much greater. Even if you’re knowledgeable when it comes to houses, there are a number of things that only the experts can diagnose.

Having a professional inspect the home is the only way to ensure that there aren’t any issues that will come back to haunt you (and your wallet) in the months and years to come.

Saving time

Many buyers are eager to close the deal and begin moving into their new home as soon as possible. Sometimes buyers need to vacate their old home before a certain date, others try to time their move around holidays or school vacations.

There are other ways, however, to make sure you get the house inspected in time. First, make sure you’ve included a home inspection in your purchase agreement. This will avoid wasted times debating whether or not you are entitled to inspect the home.

Next, call multiple inspectors in your area for quotes and availability. Delaying this step can make you lose time, and inspectors might charge you more if they have to squeeze you into their schedule.

The best time to schedule an inspection is as soon as your offer is accepted.

Maintaining a good relationship with the seller

It may seem like an act of diplomacy to waive a home inspection. In reality, however, nearly all sellers will understand that you are simply doing due diligence to make sure the process runs smoothly for both of you.

Sellers might sometimes offer you the findings of a previous inspection that they had done. In this case, it’s still important to have your own inspection done so that you can walk through the home with the inspector and listen to their feedback. You can’t be sure of the accuracy of any old reports, and the previous inspector is only accountable to the seller.


Having a home professionally inspected is almost always a good idea. It can save you time and money in repairs that could have been avoided.





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