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Posted by Bruno Real Estate Advisors on 9/9/2018

Home insurance can be one of the more significant expenses when you’re a homeowner. You may feel that you’ll be stuck in the same monthly premium month after month, but there’s plenty of ways that you can save on your home insurance by making a few cuts here and there. 


Get A Higher Deductible


Just like any kind of insurance, the higher that your deductible is, the lower your premiums. The main problem with this is that when you need to make a smaller claim, the insurance may not cover any of the cost. Compare the risk of paying for expenses out of pocket to the benefits of a lower insurance premium. 


Get An Alarm System


Having an alarm system can help you to save money on your home insurance. The types of alarm systems that are directly connected to police departments or a central monitoring place will save you more money. You’ll need proof of this in order to get a discount. 

Other alarm systems like CO2 detectors and smoke alarms are generally required by law in a home, but check with your insurance company. You could save a little extra for your efforts to protect your family and home. 


Use One Insurance Company For Everything


Most insurance companies offer more than one type of insurance. This means that they love customers who use their policies to cover everything. Bundling your home, auto and life insurance with one company can help to save you some cash.


Own Your Home


Yes, paying your mortgage off completely sounds like a feat. Once the mortgage is paid off, however, you’ll have lower insurance premiums. This is for the simple reason that insurance companies feel that once you own the home, you’ll be more mindful of taking care of it. 


Think Before You Build


Building an addition on a home or putting in a swimming pool may sound like a great idea at first. You’ll need to think of how these construction projects will affect your premiums. A swimming pool raises your liability risk. Wood structures are considered highly flammable and cost more to insure. Many things that you put in your home can drive up the cost of your policy.  


Review Your Policy Often


You always have the right to do some comparison shopping once you get an insurance quote from one company. The place you work for may even offer some sort of group rate for insurance. Associations that you belong to may also be able to help save you some money. Do a little ground work and you may be able to save big just by comparing policies and levels of coverage.                  


Assess Your Valuables


The whole point of insurance is for you to be able to replace your valuables if damaged or stolen. If items in your home have changed, you may want to reassess the contents of your home and just how much coverage you need. If you have less to replace, you’ll save on your insurance premiums because the value of your policy will go down.





Posted by Bruno Real Estate Advisors on 9/3/2018

Truly One Of A Kind! New England charm & character meets modern comforts in this professionally restored & renovated 3,389sf Colonial. Magnificent gourmet Kitchen features cherry cabinetry, granite counters & island w/prep sink. Commercial grade 6 burner gas stove, SS hood & pot filler faucet is a dream come true for the family chef. Family Rm boasts skylights & two huge triple mullion windows w/ peaceful views of your prof. landscaped backyard oasis complete w/ IG heated pool. The cherry & granite wet bar, beautiful brick FP in the formal Living Rm & oversized Dining Rm w/ built-in window seat is just waiting for the holidays. This home was designed to be an entertainers delight! All the wood flooring, built-ins, french drs, crown molding & wrap around porch just add to the warm New England charm. 3rd Floor Guest Suite: Bedroom, Kit, Living Rm, Bath & separate entrance offers potential rental income. Prime location: downtown, commuter rail, BS University& highways just minutes away.

More Info on this Property | New Listing Alerts





Posted by Bruno Real Estate Advisors on 9/2/2018

As the workforce changes and a growing number of companies seek out contractors and freelancers, many Americans find themselves in a gray area when it comes to their income. They may put in full-time hours, but on their taxes they work for themselves.

Mortgage lenders are cautious about who they lend to. They want to make sure you are a low-risk investment who has reliable, predictable income to ensure that they’ll earn money off of your loan.

This can sometimes make it difficult for freelancers, contract workers, or the self-employed. Not only might your taxes be unconventional, but your income could vary depending on the time of the year and the amount of business you receive.

It’s easy to see why many people would be anxious about applying for a mortgage under these circumstances. However, if you’re self-employed, there’s no need to worry. You can still get approved for a mortgage at a fair interest rate--you just need to do a bit of work to provide the right documents to your lender.

In this article, we’ll show you what documents and proof of income you’ll likely need and how to present it to a lender to make the process run as smoothly as possible to get you approved for your mortgage. Here’s what you need to do.

Organize your records

Before applying for a mortgage, it’s a good idea to take a look at your record-keeping process. As a self-employed worker, you’re probably already used to tracking your own income. However, this will help the lender analyze your income easier and move the process along more quickly.

Having a master spreadsheet of your dated invoices, paid amounts, and the names of your clients is a good place to start. You’ll also want detailed, easy to read information for your previous employers, landlords, references, and any other information you think will be pertinent.

Next, gather your tax documents for the last three to five years. As a self-employed worker, you likely file a Schedule C (Form 1040) and a Schedule SE. Make sure you have copies of these forms.

Dealing with deductions

Many self-employed workers write off business expenses in their tax returns. Travel expenses, internet, and other costs associated with doing business are all ways to save by reducing your taxable income. Doing so can save you money, but it can also reduce your net income which is what lenders will see when you provide them with your information.

If you’re hoping to get approved for a bigger loan, one solution is to plan your taxes in the year prior to applying for a mortgage. Make fewer deductions than you normally would to increase your net income.

Be ready to clarify

When a mortgage lender is reviewing your information, make sure you are open and available to provide any information that can be helpful to them in considering your application. Being prompt and accurate with your responses will signal to your lender that you are willing to work with them.





Posted by Bruno Real Estate Advisors on 9/1/2018


25 Grove Street, Bridgewater, MA 02324

Single-Family

$536,000
Price

11
Rooms
4
Beds
2/1
Full/Half Baths
Truly One Of A Kind! New England charm & character meets modern comforts in this professionally restored & renovated 3,389sf Colonial. Magnificent gourmet Kitchen features cherry cabinetry, granite counters & island w/prep sink. Commercial grade 6 burner gas stove, SS hood & pot filler faucet is a dream come true for the family chef. Family Rm boasts skylights & two huge triple mullion windows w/ peaceful views of your prof. landscaped backyard oasis complete w/ IG heated pool. The cherry & granite wet bar, beautiful brick FP in the formal Living Rm & oversized Dining Rm w/ built-in window seat is just waiting for the holidays. This home was designed to be an entertainers delight! All the wood flooring, built-ins, french drs, crown molding & wrap around porch just add to the warm New England charm. 3rd Floor Guest Suite: Bedroom, Kit, Living Rm, Bath & separate entrance offers potential rental income. Prime location: downtown, commuter rail, BS University& highways just minutes away.
Open House
No scheduled Open Houses

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Posted by Bruno Real Estate Advisors on 8/30/2018

** First showing to begin at Open House Saturday 9/1. 11am-1230pm *** Dream Away! This spotless 3 bedroom Split Entry is nestled on a half acre lot in a desirable cul-de-sac neighborhood! The beautiful cathedral ceilings extend from the foyer to the family room and over to the Kitchen which will make you say Wow! There's a large Kitchen with slider to deck and peaceful backyard views. The Family Rm w/ wood stove and slate hearth are perfect for those cozy nights, and the size is ideal when friends and family visit. The walk-out basement is just waiting to be finished with its high ceilings and full sized windows & finished half bath. The backyard with sundeck with retractable awning, above ground pool, are perfect for warm weather fun! Some other special features include low maintenance vinyl siding, city water, and sewer, Fhw heat. Double driveway and storage shed. It's all here! Come and See!

More Info on this Property | New Listing Alerts




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