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Blog Image for Long Term Considerations for Homeowners
by Highline Residential
Buying a home is a smart idea. Not only is a house a great investment, but it will be a loving place for your family to create memories for years to come. But homeownership is more than just signing on the dotted line. There are many considerations that must be made before going forward, especially if this is the house that you plan to live in for the rest of your life. The costs, construction, and even the weather patterns in your state must be considered. Let's look at some important points. Mortgage Costs Before you even begin looking at potential houses, you have to be sure that you have the money saved to afford the many costs that go into it, including closing costs and move-in expenses. Think about what you can afford in terms of mortgage payments. You may have a high-paying job now, but you cannot predict how that will change in the future. This is why you need to save money and focus on your down payment. The more you can pay upfront, the lower your monthly costs will be going forward. Another factor that will impact your monthly payment is the interest rate, and to get the lowest rate possible, you need to have a good credit score. Your score shows how good you are with paying off debts, and if it is poor, you could get a higher interest rate and payments. Keep your credit score in a good place by keeping the balances low and checking your report periodically for errors. Also, keep in mind that down the line, you may have the option to refinance yo...
Default Blog Image for Questions to ask when buying a co-op in NYC
by Highline Residential
You may find that coop apartments in NYC are less expensive than condos; and there are real reasons why. Simply, because coops often restrict subletting your apartment in some way, it makes it harder for investors to purchase coops to rent them out. But this can be beneficial for a buyer who is interested in living in a community in NYC, where you know your neighbors, and are comfortable that the board members are protecting the investment of all the shareholders. So what questions should you ask when buying a co-op? What is the owner-occupancy and what is the sublet policy? When coop has higher-owner occupancy, it is statistically more likely that the maintenance payments are paid by the shareholders on time. However if a coop is more flexible on subletting, it is more likely that while it's easier for shareholders to sublet their apartments, the owner-occupancy will be lower. What is the down-payment requirement? Coops often prefer that their shareholders have "skin in the game" and require 20% down or more. You should be aware of the requirement so you can make sure you have the ability to purchase the apartment in which you're interested. If you think you want to do renovations, are those alterations likely to be permitted? This is the same with condos. The coop or condo board want to make sure that the structure of the building itself can withstand the alterations that you might want to make. Buildings are concerned about load-bearing walls, extensive plumbing ne...
Blog Image for Tips for Living with Roommates in Big Cities
by Highline Residential
Nearly one third U.S. adults live with a roommate - and that doesn't include romantic partners or college-age students. The thing is, any experienced roomy is aware of the fact that platonic cohabitating doesn't look much like the carefree stereotypes created by sitcoms like How I Met Your Mother or New Girl. On the contrary, finding good roommates is a complicated business that should be addressed seriously. If you're in a situation where you need another person to help split the rent in an apartment in a large city like New York, here are a few tips to help you along the way. Always Sign a Contract There are many subtle legalities that come with living with a roommate. For instance, adding a roommate to an existing lease is complicated and even co-signing a lease together can get sticky if someone leaves before it expires. You also want to understand what responsibilities you share as tenants and who will address each concern (or how you will share each duty on a schedule.) In addition, it's important to ensure that anyone who cohabits in a space with you understands the restrictions, such as noise pollution and maintaining personal space, that come with living in a city setting. That's why you should always sign a separate contract with a new roommate specifically stipulating how any potential scenarios of this nature should be handled. Set Ground Rules Ground rules are always important with roommates. When you're in a big city with limited wiggl...
Blog Image for How to Turn a Section of Your Home Into an Optimal Study Space
by Highline Residential
Our homes are often the places we spend the most time in - which means, for most students, it's the go-to place for studying. With that in mind, creating an optimal study space for yourself and the rest of your family can help reduce stress and help with productivity. If you're in need of creating a dedicated study space in your home, here are some useful tips to help get you started. The Importance of a Dedicated Study Space The world of education is always evolving. For example, online learning is shown to have a lot of great benefits such as boosting digital literacy and allowing students to connect to their virtual classrooms from anywhere. Additionally, with the recent COVID-19 pandemic, learning from home has become a necessity with school closures across the nation. With this in mind, it's important for your success as a student to have a dedicated studying area. With the right space, it will be a lot easier to concentrate, stay motivated, and hit deadlines. Additionally, it can help ensure there are fewer distractions and interruptions from other family members. It's also a great way to stay organized as you're able to keep all your schooling supplies and documents in one area. Working with Small Spaces For those living in tight quarters, there might not be space to spare for a study room. However, a great studying place doesn't necessarily have to be its own separate room. If you have kids in school, turning an area of their bedroom into a dedi...