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      Blog :: 03-2014

      Saving For A Home: How Much Is Enough?

      BOS twtr11Are you on the prowl for your dream property? If you are, then you know that it's way too easy to get caught up in credit scores when considering a home purchase. But as banks and lenders continue to loosen requirements, the need to have money in the bank doesn't get any less serious. Getting prescriptive about how much you need in savings to satisfy a mortgage lender is tough business. Trust us, we know from our experience trying to assist our clients doing just that. That's the whole rhyme and reason we're writing this: to let you know first and foremost what you need to get a step closer to that perfect piece of property. Basically, the answer can depend on a host of factors, from the type of mortgage and size of the loan to the property itself and more.

      First off, you'll most likely need a solid chunk of change upfront to cover a down payment and closing costs. Lenders might also want to see a stockpile of "reserves," which often translates to a certain number of months' worth of mortgage payments. Typically, three to six months' worth is enough. The bottom line is that it's tough to talk specifics about your bottom line. That's why it's important to get a solid understanding of your mortgage options and seek clear guidance from mortgage advisors; they will be the only ones to determine how much "reserves" you should have before presenting a loan.

      Credit scores are critical, but so are income and assets when you're applying for a home loan. Here are some of the important savings you'll need to accumulate first:

      PHILIPPINES-ECONOMY-FOREXDown Payment Needs: Down payments are inescapable for the vast majority of non-cash homebuyers. Outside of state or local programs, only government-backed VA and USDA rural development home loans allow qualified borrowers to purchase with no money down. Conventional and FHA loans typically require minimum down payments of 5 percent and 3.5 percent, respectively. On a $200,000 mortgage, that's $10,000 for conventional and $7,000 down for FHA. But beware: buyers often require even more in the preliminary negotiations. Haggle them down.

      Conventional borrowers, as data from Ellie Mae and FHA have shown, put down an average of 20% towards the property. Existing homeowners often have an advantage because they're able to put the proceeds of a home sale toward a new purchase. Honestly, it can take first-time buyers years to scrape together enough money for a down payment. That's partly why nationally, home sales among first-time buyers hit their lowest point last month, as more and more individuals (and families) are capping off this year as a 'rental year' and postponing buying until early of next year.

      Reserves: Paying the upfront costs of homebuying represents one pool of money. Lenders want to make sure you've got plenty left over to keep the monthly payments rolling in long after closing day.

      One way they hedge risk is by requiring a certain amount of reserves. Guidelines can vary by lender, loan type and borrower. One month of reserves is usually equal to your monthly mortgage payment, including property taxes and insurance. Conventional lenders typically seek from two to six months of reserves, but it could be as many as a year's worth, depending on your risk factors.

      Neither FHA nor VA loans have a reserve requirement for single-family homes. But purchasing multi-unit properties under these programs typically requires three to six months' worth of reserves. Reserve requirements will also vary for larger 'jumbo' loans.

      A healthy amount of reserves can help homebuyers on the edge. Lenders can consider these assets as a positive compensating factor, which can help a spotty loan file overcome credit or debt issues and help the mortgage process move along faster.

      Residual Income: Lenders will take a close look at the ratio of your major monthly debts against your gross monthly income. This is known as debt-to-income (DTI) ratio, and different loan programs have different requirements. Money-wise, it's not just the income stream some borrowers need to worry about.

      Some lenders and loan types may require you to have a certain amount of money left over each month after paying major expenses. The VA loan program has pioneered this requirement, known as residual income. VA borrowers must meet a monthly residual income benchmark that can vary based on where you live and your family size.

      For example, a family of five in the Northeast needs at least $1,062 left over each month after paying those major bills (think mortgage, student loan, child care). The FHA recently adopted the VA's residual income requirement as a test for borrowers with higher debt-to-income ratios. The change takes effect in late April.

      Residual income doesn't necessarily represent funds you need to earmark for savings. But knowing how to budget and save are key traits of successful homeowners. While you save for a home loan, it's important to make sure you're maintaining or building good credit so you can qualify for the best rate possible. You can pull free credit reports every year from each of the major credit reporting agencies to see your full credit history. Also, the Credit Report Card is a free tool that gives you two of your credit scores and a breakdown of what's impacting your scores.

      So there you have it - all the tools and tips you'll need in advance to plan out your property purchase! It might not be as soon as you expected it to be, but it's always better to have a dose of reality than to slip into a dream that will never be.

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      Boston Condos Nearing Same Values as Homes

      BOS twtr6It seems like it's not only you who feels the bitter chill that's still with us. Real estate investors, practitioners, and property hunters were also caught in the silent and still winterweather that froze most transactions in February, with single-family home sales dropping 4% that month.

      This is the third straight month in four months that single-family home sales have declined. And that's not even the biggest news story of the day, as February figures also shed some light on what seems to be an anomaly: Boston condominiums, it seems, are nearing the same values as single-family homes. But before we dive deep into that, let's take a look at Boston properties' overall February performance.

      Compared to the same period in 2013, Greater Boston closed a total of 2,078 properties, falling 88 properties short of February 2013's total of 2,166. Though it seems like a gloomy picture, it has been industry standard and expectation for the winter months to have far less sales than anytime of the year. This year however, has been more brutal since we're dealing with improved home values, alongside a limited supply of listings which makes it even more challenging looking for the "right one". However, things should be improving soon, as more and more listings come to the market.

      Continuing on to our big story, it seems like Boston condos are inching their way up to the single-family home value boundary. The median price of a single-family home for February was $285,500, whereas a condo units' price tag is pegged narrowly at $281,000, making it only $4,500 less than that of an actual home. That's an increase of 12.4% from last year's median price of $250,000.

      Further, where single-family home sales have declined, condo sales are way up, and in fact is in its eight consecutive month of climbing. A total of 947 units were sold in February 2014, up by a total of 58 units compared to 2013's total of 889 for the same period, representing an increase of 6.5%. It seems that the low supply and high demand for properties have continued to create pressure to the public, driving prices up and even luring them towards the condo market in search of affordable investment alternatives. The 18.4 percent increase in condo median prices so far this year is an indicator that condominiums are increasingly popular and we have a strong mix of luxury condos in the sales totals. Empty-nesters are ready for a change in lifestyle and have the net worth to take the plunge and downsize.

      Let's not forget, too, that the ever-growing list of luxury condominium developments help bolster condo sales more than single-family homes as the latter's inventory takes longer to replenish. Condo developments, on the other hand, deliver by the volume once a project is completed. Check out which condos still have worthwhile units to see by clicking here.

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      A Look At Back Bay's Newest: The Arlington

      Like much of the country, much of the movement of renters happen during spring and summertime. This is especially the case for Boston, when students tends to flock in during the tail-end of summer, just in time for the beginning of fall semester. However, for those of you who've earned their degrees already and are searching for an upgrade to your current rental, or just plainly relocating to our fair city in the coming months - there are numerous buildings out there that will suit what you're seeking for.

      One of them is The Arlington in Back Bay. Once home to the Boston Renaissance Charter Public School, the 14-floor building was gutted and carefully remodeled in 2012 to make way for 128 modern 1- and 2-bedroom residential units complete with gourmet kitchen, walk-in closets, in-unit washer and dryer, and sweeping views of the city. Additionally, The Arlington also comes with a long list of upscale amenities such as a 24-hour doorman and concierge service, housekeeping and dry cleaning services, a bike share program, and ZipCar service on the basement. An on-site pet spa is also in the works, and will also be available later this year.

      Typical one-bedroom units comes in a variety of living area sizes starting a 700 sq feet, all the way up to 900 sq feet. Located just 3 blocks away from Copley Square, the Public Garden, and Newbury Street, this fully-equipped and full-service development is now available to you, as the building only started leasing about a month ago.

      Perhaps one of the advantages of renting out one of their plush units is that you are assigned a "move-in coordinator" once you sign a lease, so that you'll be glide through the move-in process - from choosing the best and quality movers, to handling utility and technology set-up. And once you've settled in, you have the access to a 24/7 concierge to service your each and every need.

      Security Deposit is temporarily waived. Occupancy is set to begin April 1st, so hurry and book a tour of this property now! Call us at (617) 505-1781 to schedule your visit.[gallery ids="15503,15504,15508,15509,15505,15506,15507,15510,15511"]

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      10 Splendid Things To Do In Boston This Spring

      5668842965_060255b55a_oBelieve it or not, despite Boston's still-but-less-frigid temps, Spring seasons is officially (and finally) here. And if you've ever put some thought into moving to Boston, perhaps this season will convince you of how beautiful the city could be, minus the Nor'easters and polar wind chills. Spring is officially a time in the city for walking around and outdoor patio dining.

      So if you're planning on doing some house hunting, spring will be your best bet not only to see the city in all its glory, but also get a taste of what it's like to live in your future home amidst a Bostonian spring season.

      Here are some of our top picks of the season we recommend newbies and oldies to the city alike should do this spring. And after you've done a couple or two, tweet us a quick note how you liked that event @BostonIRE ... you never know, we might just have some goodies waiting to be given away!

      Food Trucks Festival of New England Get ready for food trucks! Not only are there a few new food trucks on Boston's horizon but The Food Truck Festivals of New England has also released their 2014 schedule. It looks like we have two coming up this June; check out the schedule here.

      Ice Cream and Lobster Rolls Another sign of spring in Boston (South Boston, anyway) is the time of year when Sullivan'sre-opens. The landmark joint has been serving up ice cream and lobster rolls since 1951. Every year the restaurant closes after the last weekend in November and opens the last weekend in February.

      Spring Clean your style with Gilt City Spring cleaning your closet early is certainly a sure-fire sign of the season. And with this weekend's Gilt City Boston Warehouse Sale, we're pretty sure you'll be trading in your Uggs for some designer sandals. The event takes place this Saturday, March 22 from 9 a.m. to 5 p.m. Find out more details, here.

      Great foods, Al-fresco Boston restaurant patios are preparing for warmer weather. Many will open sometime this April and May. And fortunately for us, there's a new outdoor patio in town at Precinct Kitchen + Bar. The restaurant is set to open this Friday, March 21. The restaurant's patio will have two outdoor fire pits and string lighting overhead - and should be open by late April.

      DineOut Boston (formerly known as Restaurant Week) Speaking of foods and al-fresco dining options, if you still haven't tried any of the "nice" restaurants around town, the next two weeks should give you much pleasure, as more than 200 non-chain restaurants give a taste of their best lunch and dinner plates, all priced between $15-$40. You can't beat that! It's indeed a foodie's dream. Check out all the details about it here.

      Fenway Franks & Red Sox Opening Game Baseball season is right around the corner, folks! Red Sox opening day is April 4, where the World Series champs will host the National League's Milwaukee Brewers in the home opener at Fenway Park. And after yesterday's "buzz" during the team's spring training game, we're pretty excited to see the season begin. Not to mention, a new hotdog stand with Fenway Franks will be gracing Landsdowne St. very, very soon.

      Drink Craft Beer Springfest It's that time of the year! Say goodbye to heavy dark winter beer and hello to lighter brew options such as Sam Adams' spring beer, Cold Snap. In addition to the lighter brews, Drink Craft Beer Springfest is happening April 11 and 12 - so grab your tickets soon.

      Milling About at the Marathon Given the magnitude and the meaning behind America's longest-running and most-participated marathon, this year's event has an even more special sense to the city, given the attacks that paralyzed the friendly known-around-the-world sporting mega event last year. But, not to be outdone, organizers have had a long time to prepare an even safer, more fun, and lively program this coming April 21.

      Independent Film Fest Why attend Boston's 12th Annual Independent Film Festival when you've got your Netflix subscription? Do we even need to answer that question? Since 2002, the dedicated folks behind the festival have worked hard to bring directors, actors, producers, sponsors and attendees together in an interactive environment and create an experience beyond just previews and popcorn. The IFF runs from April 27 to May 4.

      Boston Calling Envious of other city's music festivals? Well, Boston has an answer to that - twice in a year, in fact! For the whole weekend of May 23-25, and again on a yet-to-be-annonced date in the Fall, Boston welcomes the Spring and Summer season with a loud bang, inviting both independent and mainstream artists to grace government center's massive make-shift stage. From Jack Johnson to Bastille, Boston Calling's got it all. Get your tickets now by click here.

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      1. John Donovan on

        And with extended T hours you don't have to worry about parking or taking a cab home late at night! With such a harsh winter behind us (hopefully) I know we are all looking forward to a warm and sunny spring.

        Boston's Best-selling Condo Buildings

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        In a day's time, Spring will officially be here. Hopefully, gone will be the days of single-digit polar vortex misery, and comes the sunnier and warmer days. It isn't very hard toimagine then, that the busiest time of the year for real estate - spring and summer selling season - is upon us. It's not coming in a week's nor a month's time - in fact, it's already here. Investors and property-owners alike are already a buzz on this year's real estate market. In our firm alone, we are fielding a god amount of listing inquiries from both sides of the fence; sellers are consulting how they can best cash in, and buyers are prodding for potential good buys (like they always do).

        So, what are the good buys this year? Well, in terms of condo buildings, there's 10 that did not take its time to get filled up in 2013. Let's take a look back at these best-selling condos of last year before we dive deep into what you have to look forward to this coming buying and selling season. (Click here to view a map version of the rankings below)

        No. 1 42 Eight Street 42 8th Street, Boston, 02129 Sales in 2013: 48 Units Median sale price: $380,000

         

        No. 2 141 Dorchester Avenue 141 Dorchester Ave., Boston 02127 Sales in 2013: 46 Units Median sale price: $610,000

         

        No. 3 45 Province 45 Province Street, Boston 02108 Sales in 2013: 36 Units Median sale price: $1,262,500

         

        No. 4 Whittier Place 6 Whittier Place, Boston 02114 Sales in 2013: 34 Units Median sale price: $434,500

         

        No. 5 One Charles Boston 1 Charles Street, Boston 02116 Sales in 2013: 29 Units Median sale price: $1,345,000

         

        No. 6 Residences at Ritz Carlton 1 Avery Street, Boston 02111 Sales in 2013: 27 Units Median sale price: $747,000

         

        No. 7 The W Residences Boston 110 Stuart Street, Boston 02116 Sales in 2013: 27 Units Median sale price: $1,730,000

         

        No. 8 Residences at The Intercontinental 500 Atlantic Ave., Boston 02110 Sales in 2013: 29 Units Median sale price: $1,425,000

         

        No. 9 Porter 156 156 Porter Street, Boston 02128 Sales in 2013: 22 Units Median sale price: $349,500

         

        No. 10 Harbor Towers 65 East India Row, Boston 02110 Sales in 2013: 22 Units Median sale price: $737,750

         

        What can you look forward to this year, you ask? Well, there's a few that'll either be breaking ground or are built and poised to go to market this year. Stay tuned this Friday, as we come out with that all-too important list! Do you have any guesses? Tweet them over to us @BostonIRE!

        Credits go out Tom Acitelli at Curbed.com and the guys over at PropertyShark for the reliable data.

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        Do You Honestly Need A Rental Broker?

        BOS stormy 2It's a given that finding the right apartment takes a lot of time and effort. In competitive markets like Boston's, it can be well worth the extra fee to work with a rental broker, who will help you navigate the ins and outs of the rental landscape. Sometimes that fee is even waived, depending on what your property search parameters are. While it's not necessary to work with a broker to land an apartment, it can certainly make house hunting easier in cities that are congested with renters.

        If you're short on time, searching in a tight market or just don't want to do the grunt work of sifting through listings, a broker or an agent might just be the way to go. In our opinion, there are only three reasons why you should even consider getting help from a professional broker - time, distance, and insight. We discuss all three at length below:

        You're long-distance apartment hunting.

        The most stressful thing about long-distance apartment hunting is not being able to attend a showing in person. Other worries might include finding a place in a safe neighborhood, or one with an easy commute. If you're searching for a rental from afar, a broker will serve as a knowledgeable resource that can do most of the heavy lifting in your rental search.

        In our experience, we meet with clients via video conference through Skype or FaceTime first so they ask about our local knowledge and what we can do for them, even before we start the search process. What follows afterward is an exchange of emails, and even more video calls to present to clients the best possible properties we've located for them. We also try as much to arrange video tours with clients, especially those who are abroad and unfamiliar with the look, feel, and amenities of homes in the US.

        You don't have time.

        Tired of looking for listings, attending showings and going through application process after application process? In a competitive rental market, finding an apartment takes time and dedication. If you have a busy schedule and apartment hunting seems like a huge time drain, a broker will cut the work you need to do and help negotiate the terms of your lease. Another perk is that instead of waiting in line with the other renters at an apartment showing, a broker can get the keys and show you the unit privately.

        In Boston, brokers generally share in the property search of one client, especially if you get a good broker who's well-connected with other offices.. There's a level of legitimacy you get when you have a broker - you are, so to speak, given the keys to whatever listing you'd like. The great thing is that it's applicable to all, even for under- and recent grads who usually have a harder time looking for a rental due to their lack of legitimate credit reference.  Some landlords have even become more wary of individuals seeking space on their own, and most of the time, familiarity between the landlord and the broker is all it takes to get the deal going. That's how far trust goes in the city.

        Boston-neighborhoods-framedYou want local insight.

        A licensed broker knows the ins and outs of the market, has access to listings, is familiar with state and federal laws and has a network of connections in the industry. They have strategies and insights that can speed up your search. An experienced broker is familiar with rental property value in specific neighborhoods, and can use that knowledge to help you negotiate cost or length of a lease.

        Many apartment buildings will also work exclusively with brokers to fill their vacancies. Not all landlords publish their listings online, so working with a broker can give you access to more inventory. Apartments that aren't advertised to the public see less competition and raise your negotiating power. Be clear about your budget and rental requirements and let the professionals do the work.

        Let us find you a place. Call us now at (617) 505-1781or via email info@bostonire.com now!

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        Signs An Apartment Isn't Right For You

        BOS stormy

        Finding an apartment to rent in Boston has become increasingly competitive as more and more people move into the city, and occupy temporary housing. As a result, today's apartment hunters may find themselves with a limited supply of rentals and a higher price tag for those that are left.

        Some would even go as far as saying that lately, renter residents haven't been that picky with the apartments they choose to occupy because there is simply a lack of inventory in the market right now.

        But just because fewer rental options are available doesn't mean you should settle for a place that will make you miserable. Whether you're searching for an apartment for the upcoming school year or looking to relocate your family, it's just as important as ever to be able to distinguish the good apartments from the lousy ones. Here are the red flags that can tell you if an apartment will end up being more of a hassle than a home sweet home.

        Old windows

        It's one of the first things you see when you walk into a room, but all too often apartment hunters overlook the quality of the windows, and that can cost them money and aggravation in the long run.

        If you have old creaky windows, a lot of your heat will go out the windows, so your heating bill will get very costly if heat isn't included in your rent.

        The ideal for an apartment is to have double-glazed windows with low-E glass that provides better insulation. If nothing else, make sure all the windows are in good working order and ask how old they are.

        Peeling paint

        Most apartments get a touch-up paint job between tenants, but if you notice a substantial amount of paint peeling from the walls on your walk-through of a room, it's probably a bad sign.

        In general, if you go to a place and the paint is peeling, it's a telltale sign that the owner or the building manager is not taking care of the property.

        Even worse, in older buildings, peeling paint can be a health hazard as the paint may be lead-based, a factor that is particularly important if you are moving with young children.

        Basic maintenance issues

        Along the same lines, we recommend doing a thorough examination of the apartment to make sure everything is in working order and that everything has been well-maintained.

        For starters, turn on the air conditioner to make sure it works and turning on the faucets to see how long it takes to get warm water running. Next, try peering into the back of each of the cabinets to make sure there are no mouse droppings. Yes, it's gross, but it will be much worse if you find out after you sign the lease.

        You should also examine the showerheads and faucets to see if they are leaky, which could result in moisture buildup behind the walls and ultimately mold and mildew. If it's a poorly kept building, chances are you will have maintenance issues going forward and it will be harder to get them fixed. You may end up having to fix it yourself if you move in there.

        At the very least, apartment hunters should make a list of all these issues and make the property manager sign an agreement saying he is aware of them and will fix them. Otherwise, not only could it take longer for the repairs to be made, but you could be held responsible for the apartment's maintenance issues.

        No cable/Internet access

        One might assume that every apartment in the 21st century is wired for cable and Internet, but plenty of buildings - especially in ancient parts of Boston - either aren't or have a less-than-ideal connection and restrictions on what you can install on your own.

        No matter the condition on the exterior, we recommend every apartment hunter ask these three questions: (1) Does the apartment have a cable option? (2) What's the accessibility to the Internet? (3) Can I bring cable or Internet service in to the building?

        Even if state law says you can bring in your own service, you may still have a hassle getting it done. Note that some buildings may be against the idea of having a satellite installed on the roof for TV reception, for example. Don't wait to have that conversation after you sign the lease, or you may find yourself trapped in an apartment with no TV and a dial-up Internet connection, which in today's world is pretty much the same as living in a cave.

        Unfair rental price

        It may not be a renters market right now, but that doesn't mean you should let yourself get ripped off. Traditionally, it has been harder to compare prices on rentals than on property that's for sale since there is no multiple listings service for the rentals, but that's beginning to change.

        There have been a lot more resources launched online in the last year or so to learn more about rentals and fair rental prices. There's Zillow' Rent Estimate, Trulia's Calculator, as well as PadMapper - a website and smartphone app that lets users visualize apartment listings on a map and get a better sense of the asking price availability in a given neighborhood. After all, you wouldn't walk into a car lot without knowing something about the prices of the cars you're looking for, so why should you make that mistake when searching for an apartment?

        A building that's too noisy (or too quiet)

        If there's one thing that an elderly couple and a group of college students have in common, it's that they probably have no interest in living next to one another. For that reason, each of the real-estate experts we spoke with recommends doing a little digging to find out what you can about the denizens of the building.

        We recommend checking the building and roof for empty liquor bottles and listening for any loud music, which he says is a dead giveaway that you're about to live in a quasi-frat house. You can also ask the property manager and the real-estate agent about the people who live in the building or, better yet, ask one of your potential neighbors since they will likely be the most forthcoming.

        Unfortunately, if you only spend a few minutes in the building, it can be difficult to decipher the culture of the building, which is why we suggest visiting the apartment several times at different points in the day. That way you can see what the building is like at night versus during the afternoon and get a better sense of whether it's too noisy or perhaps too quiet for you.

        Bad neighborhood

        Even if the apartment meets all of the above criteria, it could still prove to be a bad choice if the area surrounding the apartment isn't to your liking. Perhaps the neighborhood has an above-average amount of crime or perhaps, similar to the previous point, it's simply too loud or too residential for your tastes.

        We have one simple rule we share with our clients when apartment hunting: "Don't fall in love with the house without knowing what's going on in the neighborhood."

        First and foremost, you should walk around the neighborhood surrounding the apartment at different times of day to get a sense of what restaurants and stores are around, what time everything closes, and generally whether you get a good vibe from the area. If it's a place you are serious about, you can also use census data on the demographics of each neighborhood, which can tell you everything from the median household income in the area to the percent of homes that have children.

        As for concerns about crime in the area, check out the crime heat map available on Trulia.com, which shows where crime is most prevalent in each neighborhood. At the moment, this feature is available only for a few areas in the U.S. If you don't see your neighborhood on there, we suggest asking potential neighbors, which should provide you with a basic overview of the street or neighborhood you're eyeing. That said, it's important to keep in mind that crimes happen in every area, so what you should really look out for is a higher than average number of burglaries, vandalism and other petty crimes that could affect your safety.

        Contact us to learn more tricks and tips on how you can navigate the world of rentals! Call (617) 505-1781 or email info@bostonire.com now.

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        Guia De Alquileres Para Internacionales

        Cuando viene de un país extranjero a veces puede ser difícil e incluso desalentador encontrar el apartamento que se amolde a sus necesidades. Si ya de por si solo estar lejos de su lugar de origen es difícil, en BIRE sabemos que sentirse incómodo en su día a día puede ser horrible.  Por eso nos gustaría ayudarle a realizar la búsqueda de nuevo hogar mediante una serie de consejos.

        Antes de entrar en detalles en la búsqueda de un departamento nuevo vamos a realizar un visión general dentro del mercado de alquileres en la ciudad de Boston. Al igual que en cualquier ciudad estadounidense los alquileres de esta ciudad comenzarán a partir del 1 de septiembre y finalizarán el 31 de agosto, siendo publicitados durante los meses de junio, julio y agosto. Evidentemente, existen casos en los que los inquilinos se mueven a lo largo del año por diversas razones.

        Ahora bien, especulando que viene a Boston a estudiar en una universidad cuyo programa empieza en septiembre, existen aquellas personas que están deseando asentarse en cuanto ponen un pie en la ciudad. Sin embargo, también están los que  prefieren esperar, y claro está que hay pros y contras para ambos casos.

        En primer lugar conseguir un apartamento en los meses de verano para moverse el 1 de septiembre es más fácil que conseguirlos a finales de agosto, esto se debe a que en verano hay miles de unidades disponibles para alquilar. Es digno de mención que sería preferible moverse antes de que comience el curso; pues una vez que este empiece, todos los precios y demandas de servicios subirán disparatadamente en consecuencia de la demanda de más de 70.000 personas que se encuentran en su misma condición.

        Si desea esperar para alquilar también encontrará ventajas, las cuales le permitirán negociar un mejor precio ya que la demanda será inferior después de los meses de septiembre y octubre. Asimismo, tendrá más tiempo para transportar sus pertenencias y la demanda de este servicio no estará tan cara. Aunque los apartamentos estén más limitados no significa que no vaya a encontrar el ideal. Nuestro consejo es que vea los planes que tiene y comience la búsqueda de apartamento en cuanto sepa lo que le depara el futuro; si tiene la oportunidad de no esperar, no lo haga. Dejarlo todo atado y ser prevenido puede ser la cura a todos sus problemas.

        CONSEJO 1: TENGA SUS DOCUMENTOS PREPARADOS EN TODO MOMENTO

        Mientras este buscando apartamento deberá de rellenar formularios y solicitudes para poder comenzar a vivir en su nuevo hogar. Como nunca se sabe lo que se puede necesitar mantenga siempre todos los documentos como si fuesen a entrar a EEUU. Los estudiantes deben de llevar consigo mismos el I-20, documento emitido por el gobierno estadounidense. Este documento le permitirá la escolarización, será una prueba para demostrar que puede afrontar el pago de las instituciones donde permanecerá el próximo año y le servirá como sustituto del número de seguridad social.

        Por otro lado, conseguir una certificación bancaria para demostrar sus medios financieros podría servir para que los caseros se cercioren que pueden pagar la renta de todo el año.

        Tampoco le viene mal poseer otros documentos de apoyo o copias como: pasaporte, visa de estudiante y la carta de admisión proveída por la universidad.

        Back Bay Brownstones Architecture Design Boston International Real Estate BostonIRE BIRECONSEJO 2: SABER QUE TIPO DE CASA DESEA ALQUILAR

        Boston cuenta con diferentes tipo de viviendas disponibles. Antes de alquilar nada deberá de estar seguro si quiere un apartamento o un condominio.

        También debe de ser consciente si quiere vivir en un bajo, en un segundo o en lo alto del edificio. Normalmente los edificios suelen ser multifamiliares, esto implica que suelen contar con 3 o 4 plantas. En cada planta se suele encontrar más de una casa y multitud de servicios como: gimnasio, ascensores, servicios de consejería y lavandería, piscina y muchas otras cosas.

        CONSEJO 3: PRESUPUESTOS Y PAGOS

        Los presupuestos son un factor francamente importante cuando se trata de la búsqueda de su apartamento. Es la pieza clave para dictaminar donde y como quiere vivir. Boston cuenta, dependiendo de la zona, con estudios para alquilar desde 1300 dólares hacia arriba. Además, no debe de olvidar que cuando solicita un apartamento, normalmente, es necesario dejar un depósito. Lo más común es que el propietario exija esta remuneración y al final del contrato si todo esta en orden y no cometió ningún desperfecto le sea devuelto el importe íntegro. El depósito suele ser el precio equivalente a un mes de alquiler.

        Tenga cuidado con el tiempo. Esto significa que si tienen que hacer una transferencia bancaria ha de tener en cuenta que al menos necesitas dos días para que esta sea completada. Así que le aconsejamos que deje en su cuenta bancaria una cantidad económica medianamente alta para no encontrarse con futuros problemas, recuerde que siempre es mejor prevenir que curar.

        Boston Neighborhoods Framed Back Bay South End Beacon Hill North End Allston Brighton Brookline Boston International Real Estate BostonIRE BIRECONSEJO 4: DONDE ALQUILAR

        Los estudiantes internacionales, por norma general, suelen tener muy poca información acerca de Boston y sus barrios. La importancia de estar relativamente cerca de la universidad puede jugar un papel importante a la hora de elegir donde quiere vivir. De lo contrario si le gusta sociabilizarse y salir, podrá escoger entre otros barrios mas próximos a las zonas de restaurantes y bares. Boston cuenta con una amplia selección de transporte publico; así que donde elija vivir estará bien elegido.

        Eche un vistazo rápido a los siguientes posts para tener una idea más aproximada de cómo es la vida en los diferentes vecindarios de la ciudad.

        Neighborhoods By Rental Rate What's In A Great Neighborhood  Tips For Long Distances Searches How To Know When A Neighborhood Is Right For You 

        Also, do head on over to Boston Business Journals' convenient list of neighborhoods to find out what your budget can get you!

        Cosas Que Debe De Aprender Cuando Va A Vender Su Casa

        Cuando vende su casa le guste o no se encuentra expuesto dentro del mercado inmobiliario y por esta razón, se convierta probablemente en un experto en la materia. Seguro que ha notado que los días donde los que dictaminaban los precios de la vivienda eran los compradores han quedado atrás. Sin embargo, los que ahora se enriquecen con un 10 o un 12% más en la cuota final son los vendedores.

        Si usted es uno de esos que piensan en vender su casa ahora, está en un momento interesante para comenzar con los trámites. ¿Se ha preguntado que puede conllevar la venta de su domicilio? Quizás podría ser una vía de escape para gozar de una rápida libertad financiera. Existen algunas lecciones que les pueden ayudar en un futuro antes de convertirse en un magnate en el ámbito del mercado inmobiliario.

        YA NO ES SU CASA. Independientemente de cuanto tiempo haya vivido en la vivienda que está a punto de vender, en el preciso instante que decidió ponerla a la venta eligió "deshacerse" de ella; para ello deberá usar algún que otro para conseguirlo. En primer lugar remueva las fotos de su vida personal de los portarretratos, mantenga las paredes limpias y sin nada que cuelgue, la casa ni que decir tiene que debe de tener un aspecto impoluto, coloque muebles y objetos de decoración cuidadosa y estratégicamente para dar al apartamento un mejor aspecto.

        ORGANIZACIÓN: Como hemos mencionado, poner la cantidad de artículos necesarios no es ninguna tontería. Si va a mostrar su casa, tiene cuatro sofás y presiente que todos ellos le quitan mucho espacio sea pícaro y quite dos de lo sofás para ganar más sitio. Quizás debería de plantearse alquilar un depósito de almacenamiento para guardar todo aquello que crea conveniente.

        MUEBLES GRANDES: Es evidente que muchos muebles han de ser desmontados para que quepan por las puertas. Intente estimar cuanto tiempo le llevará esta tarea, si es usted un manitas seguro que lo hace enseguida pero si no es de esos que tiene paciencia desatornillando y desmontado muebles, entonces, probablemente necesite algo más de tiempo.

        COMO LOS CHORROS DEL LORO: Una buena carta de presentación son puntos a su favor. Limpie lo mejor posible todo aquello que este sucio por el paso del tiempo. Intente dejar las barandillas, los muebles o los recovecos más olvidados impolutos para que su casa brille por si sola. Debe saber que seguramente se frustrará porque las suciedad no sale como usted esperaba, así que no se desespere y échele ánimo.

        ALGO PEQUEÑO, ALGO GRANDE. Deberá repasar toda su casa en cuestiones de orden, espacio, limpieza y todo aquello que pueda originar un problema o impedimento a la hora de la compra. A veces nos inclinamos a  pensar que algo pequeño no tiene importancia, precisamente las cosas pequeñas son las que hacen algo grande. Con lo cual sea todo lo minucioso y detallista posible y establezca el tiempo necesario de arreglar todo lo que sea preciso para una buena presentación; ya tendrá tiempo de salir con sus amigos durante los fines de semana.

        POR ARTE DE MAGIA NO OCURRE NADA: Después de haberse pegado una paliza limpiando ventanas, cuartos de baño, organizando habitaciones y demás, si todo esto no se mantiene limpio, evidentemente se volverá a ensuciar. Hable con su familia o compañeros de piso y dígales que mantengan su sitio limpio, que ordenen sus cosas, que recojan sus zapatos del suelo y que no manchen. Le ahorrará otra tarde de escoba y fregona. LAS PAREDES ESTÁN EN MALAS CONDICIONES.

        Una vez que comienza a quitar cuadros de las paredes se da cuenta que se encuentran en una situación nefasta, pues están llenas de agujeros por los clavos o de grietas por el paso del tiempo. Lo que puede hacer es fijar los puntos más dañados y lijarlos, de este modo parecerán nuevas.

        TODO ESFUERZO TIENE RECOMPENSA: Después de un gran trabajo físico debe de hacer un pequeño trabajo intelectual, es decir, si se informa acerca de la situación inmobiliaria le resultará más fácil entender como está el mercado. El saber es poder y si utiliza esta sapiencia a su favor podrá quedarse sorprendido de los resultados.

        Algunos consejos para mantener la paz entre los compaņeros de piso

        Compartir un espacio cerrado puede convertirse en un reto desagradable siempre y cuando no respetemos a nuestros compañeros de piso. Boston International Real Estate quiere facilitar su convivencia mediante unas pautas a seguir. Aquí les dejamos algunos consejos con los que podrán evitarse discusiones y confrontaciones superfluas.

        Sociabilícense con tus compañeros de piso: No es necesario que hagan todo juntos, pero de vez en cuando ver una película, hablar de la semana o ir a tomar un helado viene muy bien para consolidar una buena relación. Lo que no deben hacer es esconderse en su habitación y no establecer trato alguno con las personas que viven bajo su mismo techo.

        Intenten mantener siempre las áreas comunes limpias y ordenadas: Mantener limpio su hogar puede favorecer la convivencia, pues llegar a casa y encontrarse con todo ordenado ayuda a que la estancia sea más cómoda y gratificante. Si utilizan tan solo 15 minutos al día en recoger, ordenar y limpiar su casa será el lugar donde quiera estar después de un largo día de trabajo.

        Cada oveja con su pareja: Apuesto a que unos de los momentos más felices fue cuando sus padres le regalaron ese perrito que estaba envuelto en un gran lazo rojo. Bien, pues no olviden ese momento; ya que el dueño del perro, del gato o del pez es el único responsable de la mascota. Mantener a dicho animalito limpio, educado y quieto es tarea de su dueño. Así que bajo ningún motivo permitan que sean sus compañeros los que acaben responsabilizándose de limpiarles, sacarles de paseo o alimentarles

        Laven sus platos: Ponerse a cocinar con la pila llena de platos que no son nuestros suele resultar bastante desagradable. Después de terminar de preparar la comida o de tomarse un tazón de leche no cuesta nada recoger todo lo que han manchado. Es más, siempre les traerá beneficios y nunca molestias porque no tendrá que escuchar a su compañero quejarse cuando quiera limpiar sus platos  y no pueda.

        Decidan como hacer la compra: A veces alguno trabaja, no come en casa y la mejor opción es no compartir los gastos en la compra de comida, esa elección no es mala, pero debéis respetarla. Si deciden no compartir la compra de la semana, no lo hagan, pero si tienen hambre y sus armarios están vacíos... No echen mano a la comida de vuestro roommate sin antes pedir permiso.

        Compartan tareas del hogar: A nadie le gusta limpiar el WC, pero es la única forma de no contraer ninguna enfermedad. Divídanse entre todos las tareas domesticas; un día limpia uno y otro día otro. La cocina, el salón, el cuarto de baño y todas las áreas comunes pueden estar impecables si lo desean, solo es cuestión de organización.

        Respeten horarios: Si saben que su compañero ha de despertarse temprano procuren no hacer ruido por la noche. Por otro lado, la comunicación ha de ser muy importante; hablen para ponerse de acuerdo con las horas y hacer uso del baño u otras partes de la casa sin tropezar con alguien por la mañana.

        Y no debe de olvidar que la mejor medicina en una convivencia es la paciencia, la buena cara y sobretodo, hablar las cosas cuando haya algo que no funcione bien. Callarse no sirve de nada, sin embargo, a través de la comunicación se pueden lograr milagros para crear amistades fortísimas, mantener un buen ambiente casero y sentirse a gusto en el lugar donde pasarán la mayor parte del tiempo.