Summers in Maine’s Lakes Region: Magical Memories & Meaningful Hospitality

By Theresa Bouchard

The Magic of the Lakes Region

Nestled in the heart of New England, the Lakes Region of Maine is a beloved summer haven for families, couples, and adventurers alike. With over 50 glacial lakes and ponds -- including Sebago Lake, Long Lake, and Moose Pond -- this region offers stunning water views, welcoming small towns, and endless outdoor activities.

TS Staging and Design is an award-winning
professional home staging company that
provides superior customer service and
beautiful designs that attract buyers to
your home. SUBMITTED PHOTO  
 

From boating under bluebird skies to early-morning kayaking or late-night s’mores by the fire, the Lakes Region captures the essence of a classic Maine summer. Local farmers markets burst with blueberries, handmade goods, and the rhythm of a slower pace. Whether you're a seasonal visitor or a long-time host, the Lakes Region is a place where lifelong memories are made.

Hosting Loved Ones: Making Your Space Comfortable

If you own a cottage, cabin, or camper, creating a guest-friendly summer retreat is both rewarding and easier than you might think. 

Here’s how to make your home away from home welcoming and functional for visiting friends and family:

1. Comfortable Sleeping Arrangements

Maximize space with quality air mattresses, pull-out sofas, or bunk beds. Light quilts, fresh linens, and plenty of pillows add a cozy touch. For privacy, consider room dividers or pop-up tents in shared spaces.

2. Make the Most of Outdoor Space

Designate outdoor zones for lounging, dining, and play. Adirondack chairs, hammocks, picnic tables, and shaded areas enhance both function and comfort. Solar lanterns or string lights keep the mood magical after dark.

3. Practical Bathroom Options

For campers, stock biodegradable products and consider a solar shower or portable toilet. On larger properties, outdoor showers and extra restrooms are a huge plus during group stays.

4. Simplify Cooking and Dining

Use a propane grill or camp stove for easy outdoor meals. Equip a kitchen tote with utensils, napkins, and pantry basics. Coolers and mini-fridges keep drinks and perishables organized and accessible.

5. Add Fun and Personal Touches

Keep games like cornhole, cards, and puzzles ready. Encourage unplugged fun with paddleboards, fishing gear, or hiking maps. A shared guest book lets everyone leave their mark.

Decorating with Intention: The Heart of Hospitality

A thoughtfully decorated space does more than look good – it makes people feel at home. Whether you're hosting guests or welcoming vacation renters, the atmosphere you create with décor plays a powerful role in setting the tone for their experience.
Warmth Through Design: Use natural textures, light woods, and soft textiles like cotton and linen to reflect the relaxed lake vibe. Throw pillows, cozy blankets, and area rugs invite people to settle in and stay awhile.

 
Keep It Seasonal: Embrace the essence of summer with fresh florals, nautical accents, or vintage lake signs. Décor that reflects the season feels intentional and grounding.
Create Connection: Display local artwork, historical maps, or family heirlooms to spark stories and a sense of place. Even a small shelf of books and games signals thoughtfulness and comfort.
Less is More: Keep it clutter-free. Choose pieces that are functional yet personal – things that make people smile, not stress.

In short, decorating is your opportunity to create not just a place to stay, but a place to belong and remember.

Renting Your Property: Creating a Five-Star Guest Experience

For those who rent out their property in the Lakes Region, summer means high expectations. A few thoughtful touches go a long way in turning first-time guests into loyal visitors.

1. Make a Strong First Impression

Welcome books with house rules, check-out steps, and local tips build trust. A handwritten note or local treat helps guests feel cared for.

2. Stock Essentials

Offer clean towels, fans, bug spray, and kitchen staples. Labeled bins and clear appliance instructions make guests feel confident and independent.

3. Prioritize Cleanliness

Hire a reliable cleaner between stays and regularly check utilities and safety equipment.

4. Plan for All Weather

Include cozy throws, space heaters, and rainy-day games to cover unexpected weather shifts.

5. Streamline Check-In

Use digital guidebooks and quick, friendly communication to ease the check-in process and boost reviews.

6. Add Thoughtful Extras

Provide reusable grocery bags, recycling bins, and promote local experiences like boat rentals, hiking trails, and summer concerts.

Final Tips for All Hosts

Whether you’re hosting friends or guests, a few key tips apply:
Prep a Welcome Kit: Include maps, flashlights, insect repellent, and a local event guide.
Clarify What’s Provided: Let guests know what to bring and what’s available.
Share Responsibilities: With family visits, rotate cooking and cleanup duties to keep things relaxed and communal.

Final Thoughts

A summer in Maine’s Lakes Region is more than a vacation—it’s an invitation to connect, recharge, and create lasting memories. Whether you're welcoming lifelong friends or renting to strangers who will soon feel like neighbors, your space sets the tone. Through thoughtful preparation, cozy décor, and a welcoming spirit, your property can become a treasured piece of someone else's story—and yours too.

Let TS Staging and Design Bring Your Vision to Life

At TS Staging and Design, we craft warm, functional, and visually captivating spaces that capture the charm of Maine’s Lakes Region. Whether you're updating a seasonal home, preparing a short-term rental, or refreshing a camper retreat, we’ll help you enhance comfort, maximize appeal, and elevate the guest experience.

From layout optimization to curated décor and professional staging, our team takes the guesswork out of creating a space that feels like a true getaway.

Contact TS Staging and Design today – and turn your summer property into a destination guests will never forget.

Theresa Bouchard is the owner and designer of TS Staging and Design. If you would like more information regarding staging services, please contact TS Staging and Design at 207-400-9393 or by email at info@tsstaging.me or check us out on Facebook, Instagram or our website at www.tsstaginganddesign.com. We are an award-winning professional home staging company that provides superior customer service and beautiful designs that attract buyers to your home. <

Maine’s Real Estate Market Update: What Buyers and Sellers Need to Know This Summer

By The Libby Starnes Team, Signature Homes Real Estate Group

The real estate market in Maine continues to move at a steady pace as we approach the heart of summer. With increasing buyer interest, a steady flow of new listings, and evolving mortgage rates, understanding the current trends can give both buyers and sellers a competitive edge.

A Shift Toward Balance

After a few years of extreme seller dominance, the Maine real estate market is gradually shifting toward a more balanced dynamic. While inventory remains lower than historical average, more homes are coming onto the market compared to last summer. This is giving buyers slightly more breathing room, while still allowing sellers to see strong returns – especially when homes are priced and presented well.

Continued Demand in Desirable Areas

Southern Maine, particularly Cumberland and York counties, continues to see high demand. Towns like Windham, Gorham, and Standish remain hotspots for buyers seeking the ideal blend of convenience and lifestyle. Proximity to Portland, access to lakes and outdoor recreation, and strong school systems make these areas especially attractive to both families and retirees.

Waterfront and seasonal properties in the Lakes Region are also commanding significant attention. Properties on Sebago Lake, Little Sebago, and surrounding waterways are seeing robust showing activity, especially if they’re move-in ready or recently updated.

What’s Driving Buyer Behavior?

While interest rates remain higher than they were during the peak pandemic years, many buyers have adjusted their expectations. The ongoing low inventory of rental properties, combined with Maine’s lifestyle appeal, is motivating people to buy despite higher borrowing costs.

We’re also seeing a continued influx of out-of-state buyers who are relocating for a change of pace, the rise of remote work, or simply the chance to own a slice of Maine. These buyers are often well-qualified and prepared to move quickly when the right home hits the market.

Tips for Today’s Sellers

If you’re thinking of selling, timing is everything. Homes that are priced strategically and marketed effectively are still moving quickly—especially if they’re in move-in condition. Professional staging, photography, and a strong digital presence across platforms like Instagram, Facebook, and Zillow can make a dramatic difference in buyer engagement.

Another important factor? Transparency. Buyers are savvy and are more likely to compete for homes with pre-listing inspections, detailed disclosures, and updated systems. It’s no longer just about location—it’s about value and peace of mind.

Advice for Active Buyers

For buyers, this market still requires speed and preparation. Having a trusted local agent, pre-approval in hand, and a clear understanding of your must-haves will put you in the best position to compete. While we are seeing some price adjustments and more days on the market in certain segments, multiple offer situations are still common – especially for well-priced homes under $500,000.

Being open to slightly expanding your search area or considering homes that may need light cosmetic updates can also help you get into the right home at the right price.

Looking Ahead

The remainder of the summer is expected to remain active. If the interest rates dip even slightly, buyer activity could spike once again. At the same time, homeowners who’ve been on the fence about listing are beginning to enter the market—especially if they’re ready to upsize, downsize, or relocate.

At The Libby Starnes Team, we’re not just watching the market – we’re in it every day. Whether you’re buying your first home, selling your tenth, or simply exploring your options, we’re here to provide expert advice, personalized service, and real results.

For more updates, listings, or to schedule a consultation, visit www.libbystarnesteamhomes.com or follow The Libby Starnes Team on social media. <

Selling a Home: How to Manage the Stress of a Major Life Transition

By Carrie Colby

Selling a home is one of life’s biggest transitions. It can be exciting but also overwhelming, uncertain, and emotionally draining. 

Whether you’re relocating due to a major life change or chasing a new opportunity, the process involves far more than paperwork. It’s a deeply personal journey. Letting go of a place filled with memories isn’t easy. Managing stress during the home-selling process doesn’t have to be overwhelming.

A few key strategies can help keep your emotions in check and your focus on what matters most.

Set a Flexible Timeline

Start by mapping out your ideal timeline—from when you plan to list your home to your target closing date. Keep in mind, though, that some aspects of the process will be beyond your control. A flexible mindset helps reduce frustration when things don’t go exactly as planned.

Create a To-Do Checklist

Selling a home involves dozens of moving parts. A checklist will keep you organized and on track. Include everything from home repairs and deep cleaning to hiring a real estate agent and staging the property.

Hire a Trustworthy Real Estate Agent

Your agent should know your local market inside and out, have a strong track record, and communicate effectively. A skilled agent will guide you through pricing, negotiations, showings, and paperwork—freeing you up to focus on your own move and emotional well-being. Talk to your agent about current trends in your area. Understanding whether you’re in a buyer’s or seller’s market helps you set realistic expectations and price your home competitively from the start.

Prepare Your Home for Success

A well-prepared home not only attracts more buyers – it can lead to a quicker sale, which means less stress. Remove personal items and excess belongings to create a neutral, inviting space. Consider scheduling a free donation pickup for unwanted items. Fresh paint, modern fixtures, and minor repairs can boost your home’s appeal without breaking the bank.

Stay Flexible and Open-Minded

Things won’t always go as planned – and that’s okay. Showings might be rescheduled, offers may fall through, or closing might take longer than expected. The more adaptable you are, the less overwhelmed you’ll feel.

Keep Your Emotions in Check

Selling a home is emotional, especially if you’ve lived there for years. But remember, it’s a business transaction. Try to approach decisions – like pricing and negotiations – with a clear, rational mindset. Remind yourself why you’re selling and what you’re looking forward to next.

Gain Financial Clarity

Money worries are a common source of stress. Get clear on your financial situation early in the process. Consult a financial advisor if needed to understand how selling your home fits into your larger financial picture.

Communicate Openly with Your Family

If you’re selling a family home, keep the lines of communication open. A move can stir up anxiety or sadness – especially for kids or longtime residents. Talk through the reasons for selling and invite them to help with packing, organizing, and decisions about the new home.

Keep the Big Picture in Mind

It’s easy to get caught up in the day-to-day stress of selling a home. But remember, this is a temporary season. Soon, you’ll be on your way to the next chapter – whether that’s a new city, a bigger home, or a fresh start. Selling a home is never just about real estate – it’s about change, growth, and new beginnings. With the right mindset, support system, and planning, you can move through the process with more confidence and less stress.

Carrie Colby is a Broker with Allied Real Estate, 909 Roosevelt Trail in Windham. She can be reached at 207-232-5497. <

Seagulls and Sandwiches

By Warren O’Shea

Many of you experienced an uncomfortable burning sensation in your eyes on Sunday. Especially if you were outside with your chin slightly elevated toward the sky. It wasn’t the smoke from the Canadian wildfires; it wasn’t the excessive use of DEET in your black fly deterrent. It was the sun (yes, we still have one under contract). Within hours of the eye burn began what shall for now on be referred to as “The Great Mowing.”

Like the start of a marathon signaled by a blank pistol shot in the air, Maine’s outdoor season began.

Lounge in the yard, swim in the lake, or have your Bao bun sandwich ripped from your hands by seagulls at the seaside, outdoor season in Maine means different things to different people but here are some stats from Fixr.com’s “Outdoor Living Trends 2025”.

Fixr.com sent a survey to 52 top experts in the home construction industry, including architects, home builders, home remodelers, and landscaping specialists from across the U.S.

Yours truly was one of the 52 contributors to the survey, and the only contributor from the Pine Tree State. I’m a bit at odds with the expert moniker feeling the only thing I’m expert at is finishing my Bao bun Sammie.

Each of the professionals who responded has a wealth of experience and currently works in the industry. The contributors to this report were selected due to their extensive expertise, as well as their success in the industry and reputable designs. Their responses are based on their first-hand experience with homeowners, therefore representing a clear picture of current trends in 2025.

 
Homeowners are more willing to invest in outdoor spaces in 2025 than in 2024, say 56 percent of experts. More and more homeowners are turning to creating functional outdoor spaces for living and entertaining 98 percent of experts agree that an updated outdoor space has a big impact on home value. Real estate experts report that investing in upgrading outdoor features can provide a return on investment (ROI) of 50 percent or more, depending on the project. 

   
Indoor-outdoor coherent design is the biggest outdoor living trend this year, according to 56 percent of pros. Unified design is dominating outdoor living trends. 

 
Pocket sliding doors for indoor-outdoor living are the newest emerging trend, say 46 percent. The experts polled agree that pocket sliding doors leading to the outside help create a more coherent indoor-outdoor space.

 
Earthy tones take center stage, with 56 percent of respondents naming them the most popular color for outdoor spaces.

 
Nearly 40 percent of experts say that outdoor kitchens have been a key part of exterior design for years and aren’t going out of style anytime soon. You can keep your space simple by building some permanent shelving and countertops around your grill, or you can go all out and install a full suite of outdoor appliances and plumbing fixtures to bring the entire kitchen outside, but the pizza oven stands out as the most desired outdoor kitchen feature, with 50 percent of experts selecting it as their top choice.

 
What screams luxury and outdoor living like a full-scale living room in your yard? Answer: nothing. Just under 25 percent of professionals agree that full outdoor living rooms are an upcoming trend in 2025. We’re talking comfortable sofas, throw pillows, an outdoor TV or projector, and even artwork to bring the design together.

 
Composite decking is the top patio flooring pick for 2025, favored by 46 percent of experts.
Swimming pools lead outdoor entertainment, with 40 percent of experts naming them the most desirable amenity.

 
Experts agree that drought-tolerant, water-wise planting leads landscaping trends in 2025, with 62 percent marking it as the top trend.

 
A third of exterior design experts can, and they agree that fire pits are sought-after additions to backyard oases. Consider a smaller fire feature, like a portable propane fire table, to bring the luxury without the commitment.

 
Water features in landscaping are nothing new, but 17 percent of experts are recognizing a new trend: minimalist fountains and small, natural-looking streams. Your wallet will thank you for not investing in a giant koi pond, and so will the Department of Inland Fisheries and Wildlife because that is super illegal in Maine. You’ll still get the tranquility that only trickling water sounds can provide and avoid getting a ride in those cool green state trucks.

Warren O'Shea is the owner of O’Shea Builders LLC, Maine’s most award-winning remodeling contractor. He has 35-plus years of residential remodeling experience. He is a certified home inspector and has been featured on HGTV, Food Network, and Maine Cabin Masters. He is a recipient of the Portland Police Department’s “Citizen Award,” and is a staunch consumer advocate. Warren has, and continues to, co-author articles for nationally distributed trade magazines. <

Understanding Home Insurance and the Importance of Regular Reviews

By Tricia Zwirner

Owning a home in the Sebago Lakes Region of Maine is a unique privilege, offering stunning natural beauty and abundant recreational activities. As homeowners in this picturesque area, we invest considerable time, effort, and resources into maintaining and enhancing our properties.

One of the most critical aspects of homeownership is ensuring that our home insurance adequately covers the replacement cost of our homes, especially in light of current building materials and labor market trends. 

This article will explore whether you should increase your home insurance and the implications of raising or lowering your deductibles.

The Importance of Updating Home Insurance

Home insurance is designed to protect your property against various risks, including damage from natural disasters, theft, and liability claims. In our region, homeowners face unique challenges such as winter storms, tree damage from high winds, and potential damage from ice and snow accumulation. Having adequate insurance coverage is critical to ensuring your home is protected from these risks.

For example, many homeowners in the Sebago Lakes Region invest in improvements such as new roofs, upgraded kitchens, and additional living spaces. These renovations can significantly impact the replacement cost of your home. If you were to face a loss, being underinsured could lead to substantial financial burdens when it comes to rebuilding or repairing your home. Therefore, it is advisable to regularly update your home insurance coverage to reflect the current costs associated with rebuilding your property.

When reassessing your home insurance, it’s crucial to evaluate the specific types of coverage you need. Here are two critical components to consider:
Dwelling Coverage: This component covers the cost of repairs or rebuilding your home in the event of a covered loss. As you undertake renovations or improvements—such as adding a new deck or upgrading your kitchen—it’s essential to ensure that your dwelling coverage is sufficient to cover the full cost of rebuilding, including current material and labor costs. With prices for materials like lumber, shingles and insulation fluctuating, understanding these trends will help you maintain appropriate coverage. This assessment should be part of your regular review of your insurance policy, particularly if you've made significant upgrades to your home or if building materials have become more expensive.
Personal Property Coverage: This protects your belongings, such as furniture, electronics, and outdoor gear. Given the recreational lifestyle in the Sebago Lakes Region, many homeowners own valuable equipment for boating, fishing, and skiing. Assessing whether your personal property coverage limit is adequate is crucial, as is ensuring that recreational items like boats, ATVs, snowmobiles, and golf carts are properly insured. Many companies exclude these items from your home policy, so it's important to confirm that your toys are covered.

The Role of Deductibles

When adjusting your home insurance, another critical aspect to consider is your deductible—the amount you are responsible for paying out-of-pocket before your insurance coverage kicks in. If you decide to increase your coverage to reflect the current replacement costs, you might contemplate raising your deductible to lower your premium. While this can be a financially sound strategy, it comes with risks, particularly in our area where winter storms can lead to costly repairs.

A higher deductible means more out-of-pocket expenses in the event of a claim. After severe weather events, such as heavy snowfall or spring thaw leading to flooding, the cost of repairs can quickly accumulate. If you have a higher deductible, you may find it challenging to cover that amount before your insurance provides assistance. Conversely, lowering your deductible can provide peace of mind and reduce immediate costs in the event of a claim, but this will likely result in higher premiums.

Conclusion

In conclusion, as you reassess your home insurance coverage and deductible choices, it is essential to focus on the replacement cost of your home and the current trends in building materials and labor, as well as your financial position. Increasing your insurance to match the necessary coverage is crucial for protecting your investment against the unique risks that homeowners face in this beautiful area while also ensuring it fits your budget. Regularly reviewing your policy not only safeguards your financial future but also provides peace of mind.

Tricia Zwirner is a State Farm agent celebrating her 22nd year in Windham. She and her team would love to hear from you and can be reached via phone and text at 207-892-2864 or via email at tricia@TRICIAZWIRNER.com. <

 

Route 302 and Enterprise Drive intersection needs signal

By Larry Eliason

Over the past several years, I have written articles about commercial real estate, lot sales and development activities at Quarry Ridge Business Park with an emphasis on Enterprise Drive and Bedrock Terrace. Enterprise Drive is just off Roosevelt Trail/Route 302. This business park is a Grondin Family investment in Windham.

The intersection of Enterprise Drive and Route 302 near
Quarry Ridge Business Park is constantly busy and may soon
require a traffic signal for public safety. COURTESY PHOTO

As many will agree, the intersection of Route 302 and Enterprise Drive has become a very busy intersection as Enterprise Drive, Bedrock Terrace and Storm Drive have several businesses from retail, office, service, manufacturing, engineering, and public storage with many valued business owners, their employees and customers. Many will agree that as you drive by Enterprise Drive, you often see trucks and cars of all sizes waiting long periods of time to pull out onto Route 302.

One of the biggest challenges that I see at Enterprise Drive is that it is accessed from Route 302 via Enterprise Drive, a non-signalized intersection. We could certainly use help from stakeholders such as our town leaders and staff, legislators, business and real estate owners, residents, and others to seek a partnership with the MDOT to make a signalized light at Enterprise Drive a reality. And as a practical matter, entrance to Enterprise Drive should be widened as I have witnessed tractor trailer trucks having to tactfully and very slowly enter the business park as the turning radius appears inadequate from my personal observation. I think that everyone will agree that this intersection is not safe and a preventable tragedy could certainly happen any day the longer we wait to correct this unsafe intersection. Just look at all the families with young children that visit this area for ice cream each year.

There is a “trips per day” generated threshold to trigger the signal installation which certainly appears to being getting close to the thresholds as per MDOT standards and a traffic count in 2025 should be a consideration to better gauge where traffic flows stand. Windham, like a lot of towns, has its strengths and weaknesses that help or hinder economic development. This is a large part of why towns or cities located near the I-95 corridor and these types of developments with signalized intersections and efficient ingress and egress, are generally built out sooner than we have seen at the Quarry Ridge Business Park.

Quarry Ridge Business Park off Enterprise Drive is located on about 1,000 acres of land and is poised to become a commercial business park center and future commercial tax base for the Town of Windham. Phase 1A was built in 2004 and was anchored by Genest Concrete products and LaValley Lumber Building Supply. The LaValley property was acquired by Tube Hollows International in 2012.

Phase 1B was approved by the town of Windham in 2006 and since then mining of the gravel pit and quarry has progressed enough to leave behind flat buildable lots available for industrial use. The entire development is served by public water, electricity (including 3-Phase) and natural gas. The Grondin Family is working on another phase of additional commercial lots as well and new lots should be available in the future.

A cannabis operator acquired 2-plus acres of land at the corner of Enterprise Drive and Bedrock Terrace in 2021 and built a 12,545-square-foot cannabis facility. Co-Part of Connecticut, Inc. acquired 50 acres of land on Bedrock Terrace and built a 7,836-square-foot commercial building for their auto auction facility. An Ice Arena Operator acquired Lot 10, a 4.30-plus acre parcel, in 2024 and has plans for an outdoor ice arena and commercial building. Lot 11, a 3.70-plus acre parcel, is currently available for sale and listed with Butts Commercial Brokers.

The intent of the Enterprise Development District is to provide a unique area within the Town of Windham to allow manufacturing, processing, treatment, warehousing, storage, research, and distribution with safe, well-regulated vehicle access located off a major street which can conform to the performance standards set forth in this section and in all other applicable ordinances of the Town of Windham.

The following uses are currently allowed in the Enterprise Development District:

Auction House, Automobile Auction Facility, Automobile Repair Services, Building, Accessory, Business and Professional Office, Contractor Services, Contractor Storage Yard, Construction Services, Heavy, Major Construction Services, Heavy, Minor, Convention Center, Distribution Facility, Forestry, Hotel, Industry, Heavy, Industry, Light, Marijuana Cultivation Facility, Marijuana Manufacturing Facility, Marijuana Testing Facility, Mineral Extraction, Motel, Public Utility Facility, Retail Sales, Accessory, Small Engine Repair, Use, Accessory Warehousing, Private Warehousing, Public, Wireless Telecommunications Tower and Facility

As a Commercial Real Estate Broker and a Windham Economic Development Corporation (WEDC) volunteer, I see millions of dollars in new investment coming to this business park in the coming years. The commercial tax base being generated will provide the Town of Windham with a valuable commercial tax base to help provide additional infrastructure and services to the residents of Windham.

Larry Eliason is a Commercial Broker with Butts Commercial Brokers, 1265 Roosevelt Trail, Raymond. He can be reached at 207-415-2112 or by email at LarryEliasonBCB@gmail.com. Visit www.ButtsCommercialBrokers.com <

Is a Home Warranty right for me?

By Richie Vraux

Most people that just purchased a home are not thinking of laying out more money to buy a Home Warranty. Given the opportunity, most people will think, well right now everything works so why should I spend more money on a Home Warranty. But consider this. Your home is a 20 to 30-year-old home and when it was built, those buyers purchased all new appliances.

While they are working perfectly now, exactly how long will it take before they break down? Who knows? The warranty on most appliances is 10 to 20-plus or minus years. It’s a crap shoot. You may be lucky, and they last 10 to 20 more years.

So here is some information regarding the pros and cons for most appliances:

What is a home warranty? A Home Warranty is a service contract that pays the cost of repair or replacement of covered items, such as major kitchen appliances, as well as electrical, plumbing, heating, and air conditioning systems. A Home Warranty does not cover windows, doors, or other structural features, nor does it cover smaller freestanding appliances, such as toasters, microwaves or mixers. The warranty is designed to cover items that are in satisfactory, good working condition.

Are they worth it? The cost of a Home Warranty can range from about $222 to $1,877 per year with a typical annual cost of $1,049. Plans can charge extra for areas like a guest home or a swimming pool. Along with the plan cost you will pay another fee for service calls, ranging from $75 to $125. Compare these costs to the cost of a central air conditioning system, with unexpected averages of $5,500 per Home Advisor, it might be worth it to you. Of course, If you never have a problem, you are that much more ahead, not having bought this warranty.

What Home Warranties cover. HVAC systems/ Air conditioning/Heating units/ Electrical systems/ Plumbing/ Toilets/ Water systems. Major Appliances: Including Refrigerators/ Ovens/ Washer/ Dryers/ Leaky Roofs/ Septic or Well pumps.

Pros of Home Warranties. While Home Warranties can be beneficial, they also have limitations and do not cover everything. A Home Warranty can provide peace of mind. Similarly, if you don’t have do-it-yourself skills to fix things yourself, they will insure you will have help if something goes wrong. Home Warranties tend to offer broader coverage than a manufacturer’s warranty and often last for a longer period. And they can be renewed.

Cons for a Home Warranty. Home Warranties impose dollar limits per repair, per item, per year. These restrictions can vary greatly by provider. You will have to pay a service call each time you have no issue. Home Warranty companies determine whether to fix or replace a system or an issue. If replacing an item, they might go with the cheapest model or one otherwise not to your liking. They can also potentially deny your claim if it is determined that the item is not properly maintained. Home warranties rarely cover acts of nature or God. If your home floods, or a tree crashes through your roof, your policy is unlikely to cover those repairs.

When you might not want to purchase a Home Warranty. Home buyers who buy new construction usually get some type of warranty from the builder for the home materials and workmanship, including the heating and cooling systems, plumbing and electrical systems. The builders typically will not cover the appliances, but those often come with the manufacturer’s warranty. In addition, some credit cards offer extended warranties on top of the manufacturer’s warranties with new purchases, So, if you remodel your kitchen and pay for a new fridge or stove with a credit card, it might not be the same warranty for those appliances. If you are diligent with maintenance and have your home’s systems annually serviced, then you could help avoid the problems a warranty might address.

Home Warranties. Home Warranties always belong to the homeowner and a warranty will not protect you from loss if you rent your home. When you sign a lease, read the fine print regarding the replacement of your appliances and the HVAC due to normal wear. A Home Warranty can be a useful tool for added protection against the cost of repairing systems. There are many downsides of having a Home Warranty, but they can be a life savior if appliances and systems fail. Only you can make that choice. Good luck whichever way you decide.

Richie Vraux is a Realtor/Broker with over 20-plus years of experience. He is a veteran agent with Pine Tree Realty of Maine, 76 Tandberg Trail Windham, ME 04062. 207-317-1297 Richardjvraux@gmail.com www.richardvraux.pinetreeme.com <

Homeowner’s Guide to Summer Home Maintenance

Complied by Jonathan Priest

Fixing, cleaning and maintaining a home while it’s warm and dry is like shopping for winter holidays in July. It pays to get it done early – before bad weather can cause emergencies.

GUTTERS

Giving a home extra attention when the weather is good can help homeowners avoid emergencies – like a waterfall in the basement – months later, says Dan DiClerico, a home expert for a national online home renovation website. From his decades of working in the home-repair industry, DiClerico knows homeowners should always be planning ahead.

“I compare it to Christmas shopping in July,” DiClerico says: getting it done ahead of time is a good idea.

If the gutter system, including gutter guards, downspouts and gutter extensions, is working properly, water will flow through and out at least five feet away from the house, DiClerico says.

Start with a visual inspection of the whole system and look for these signs of wear or damage, suggests Kevin Chang, cofounder of a San Francisco Bay Area company that provides year-round home maintenance to roughly 200 homes.

· Pieces that are loose, corroded or pulling away from the house.

· Signs of ground erosion. If the grass has washed away beneath the roof edge, for example, it may indicate that water is splashing down because the gutter system isn’t effective.

· Leaves, twigs and other debris in the gutters.

· Spray water onto the roof to make sure it funnels into the gutter and downspouts. Overflows or slow flow could be signs of obstruction.

Make repairs as needed and clear out debris. (Professional cleaning costs roughly $150, but pricing will vary depending on location and other factors.) Even with gutter guards, debris, silt, mud and mold can still build up, and Chang recommends a thorough cleaning every five years.

ROOF

Summer is a good time for homeowners to inspect roofs, inside and outside, to help avoid emergency repairs later. Roofs are generally low maintenance, DiClerico says, but when they need repairs, he recommends calling a professional. DiClerico says binoculars can help homeowners do a visual inspection from ground level, before heading into the attic, and he recommends paying attention to these common signs of roof problems.

· Missing or loose shingles

· Seams where two sections come together, and to flashing, seals around windows, chimneys and other openings.

Inside, check for missing insulation in the attic, and signs of moisture like discoloration or mold in the attic or on ceilings, which could indicate the roof is not watertight.

DECK

Every year, DiClerico hears stories of decks collapsing during the year’s first big cookout. Although most people are gathering in smaller groups this summer, he recommends a thorough annual deck inspection, regardless of how much it is used.

· Inspect the deck for mold, mildew, popped screws and loose boards. Pay close attention to the place where the deck meets the house, the railings and the stairs.

· Jump around and give railings a firm shake. Any softness and wobbling could be signs that the deck needs repairs.

· Scrub the deck with soapy water once per year.

· Clear sealants often need to be applied annually; opaque solid stains may only need to be applied every three to five years. Semi-transparent stains should be reapplied every two or three years, DiClerico says. How do you tell if it’s time to reseal the deck? DiClerico suggests sprinkling water on the boards. If it beads up, it’s good; if it soaks in, time to reseal.

PAINT

A strong coat of paint can be good protection against winter leaks. But too much heat makes it hard for new paint to cure, so exterior paint projects are best done at the beginning or end of the summer, when temperatures and humidity are lower, says DiClierico. His additional painting recommendations:


· The ideal temperature for painting outside is between 50 and 90 degrees.

· Don’t skimp on sanding, scraping, filling and other prep work. They’re the key to a paint job that lasts.

· A good paint job should last 10 years.

If you’re not painting, wash the outside of the house with soapy water and a sturdy bristle brush, he advises. Use a pressure washer sparingly; in DiClerico’s opinion the gentler option is preferable. Pressure-washing a roof can damage shingles, he warns. A spray-on roof cleaner will take care of mold or mildew.

This article has been brought to you by Farmers Insurance; We know a thing or two because we’ve seen a thing or two!

This article was brought to you courtesy of Farmers Insurance agent, Jonathan Priest, with an office at 57 Tandberg Trail, Suite 7, Windham and StaySafe.org. Call him at 207-893-8184 or send him an email at jpriest1@farmersagent.com <

A Mother’s Touch

By Nicole Foster, Broker/REALTOR and mother of four

When we reflect on the many ways our mothers have shaped the lives we lead today, we often think of the values they instilled, the traditions they passed down, and the unwavering love and support they've provided through every chapter of our journey. Their influence is deeply woven into the fabric of who we are – guiding our choices, shaping our character, and grounding us in a sense of home. But beyond these emotional and moral legacies, there’s another powerful, and often overlooked, area where their impact is felt: the homes we choose to live in as adults. 

From the type of neighborhood that we gravitate toward to the style of kitchen we dream of, our mothers’ tastes, habits, and even their approach to homemaking can significantly influence our housing decisions and how we define what "home" truly means.

In recent years, there has been a significant rise in the number of real estate transactions where parents play a pivotal role in helping their adult children enter the housing market. This trend highlights how parents, often seeking to support the next generation, are bridging the gap in ways that make homeownership more accessible. Parents are stepping in with a variety of creative solutions, from gifting equity in their own homes to co-signing loans when allowed or providing financial assistance for down payments. In some cases, parents even take on the primary mortgage responsibility themselves, purchasing a home as a non-owner-occupied primary residence and offering a lease-to-own option to their children. This kind of support not only facilitates homeownership at an earlier age than would typically be possible, but it also plays a crucial role in making housing more affordable – often turning what would be an unattainable goal into a tangible reality for many first-time homebuyers.

The type of financial guidance that your mother has provided you along the way also helps to position you as a borrower. Understanding how to save money for a down payment and other closing costs as well as the critical importance of establishing and managing responsible credit are all lessons best learned at a young age. Parents who add their children as authorized users to one of their own credit cards can help kids to get a jump start on building their own credit prior to turning eighteen but once they are old enough letting kids have their cell phone in their own name can help kids to establish the necessary credit they need to have without the risk of getting into credit card debt.

A study that was recently published by REALTOR.com shows that the vast majority of respondents would prefer to live within proximity to their mothers, given the option. Many buyers set their geographic search for properties within a certain range of their mothers when searching for their new home to rent or purchase when possible. More and more young families are welcoming mom to join them in their new community, so they can be close to new grandchildren and play an active role in their day to day lives, or to help provide support.

Mothers often leave a lasting imprint on the way we shape and style our homes, influencing not only our decorative choices but also our overall sense of comfort and aesthetic. Whether consciously or not, many of the decisions we make when designing our living spaces are rooted in the memories of the homes we grew up in—homes shaped largely by our mothers' tastes, values, and personal touches. From heirloom furniture passed down through generations to beloved paintings, cherished family photographs, or a favorite book collection neatly arranged on a shelf, remnants of our childhood homes quietly weave their way into our present-day surroundings. These familiar items serve as both emotional anchors and stylistic inspiration, reminding us not only of where we came from but also of the enduring influence our mothers continue to have in our lives.

Whether your mother was someone who eagerly embraced every design trend—constantly refreshing furniture, swapping out wallpaper, or updating color palettes—or you grew up in a timeless, traditional home where the décor remained largely unchanged, her influence likely runs deeper than you realize. The way your childhood home looked, felt, and functioned can leave a lasting impression, subtly shaping your own tastes in interior design and home aesthetics. From the cozy familiarity of a vintage floral sofa to a deep-seated aversion to bold wall colors, the environment your mother curated often becomes the invisible blueprint for what you’re naturally drawn to – or steer clear of – when it comes time to make your own house a home.

Nicole Foster is a Windham parent and real estate Broker with 20 years of experience working with buyers, sellers and investors. <

Get Your Home Ready for a Busy Maine Summer

By Lisa DiBiase

There’s something special about the way Maine comes alive in May. The trees bloom, the lakes sparkle, and you can see neighborhoods start to come alive with backyard BBQs, open windows, and after a long winter and muddy spring, many of us can’t wait to dust off the porch furniture and soak up the sun.

Before you dive into summer adventures, though, it’s worth giving your home a little extra love. A few small maintenance projects now can help you make the most of the months ahead and avoid bigger (and more expensive!) headaches later.

A Little Work Now, A Lot More Fun Later

We all dream of stress-free summers, but small issues can sneak up on you if you’re not prepared. A clogged gutter or faulty screen door might seem minor until a thunderstorm rolls through or the mosquitoes come out in full force.

Taking care of a few essentials early gives you peace of mind and lets you spend more time on the golf course, enjoying boat rides, ice cream runs, and all the things that make summer in Maine unforgettable.

Outside: Protect and Refresh Your Home

● Gutters and Roof: Clear out any debris and check for loose shingles or leaks. Spring storms can cause hidden damage, and a quick inspection now can save you trouble later.

● Decks and Patios: Clean and seal surfaces to protect them from the sun and rain. Sprucing up your outdoor spaces also makes them more inviting to gather with family and friends.

● Windows and Screens: Swap out storm windows, wash the glass, and repair any screens. Fresh air is one of the best parts of the summer, don’t let bugs crash the party!

Inside: Keep It Cool and Comfortable

● Air Conditioning and Fans: Make sure your systems are cleaned and serviced. Ceiling fans should rotate counterclockwise in the summer to create a cool breeze.

● Humidity Check: Basements in Maine can get damp in the summer. Running a dehumidifier can help protect your home (and your health).

● Fresh Start: Pack away heavy winter gear, organize your entryways, and create space for flip-flops, beach bags, and sunscreen.

Make It a Season to Remember

Beyond the basics, now is a great time to think about what would make your summer even sweeter. Maybe it’s planting a few new flowers, setting up a hammock in the backyard, or building that fire pit you’ve always wanted. Small projects can add so much joy to everyday life and summer always flies by faster than we think.

Home is where some of the best summer memories are made, and a little preparation now will help you enjoy every minute of it. If you’re starting to think bigger, maybe about a new backyard, a new neighborhood, or even a new view, Landing Real Estate is always here to help. No pressure, just friendly guidance when you need it most.

Here’s to a happy, healthy, and sunshine-filled Maine summer ahead!

This article was brought to you by Lisa DiBiase, Broker/Co-Owner of Landing Real Estate. Lisa and her team proudly represent buyers and sellers across the Greater Portland, Lakes Region, and beyond. For all your real estate needs, contact Lisa at Lisa@LandingHomesMaine.com or call 207-775-SOLD. <

Should You Buy or Sell First? A Homeowner’s Dilemma

By The Libby Starnes Team, Signature Homes Real Estate Group

When you're ready to make a move, one big question can trip up even the most seasoned homeowner: should you buy your new home first or sell your current one? Both options have their pros and cons, and the right choice depends on your unique situation. Here’s a breakdown of the factors to consider to help you make the best decision for your circumstances.

Buying First: Pros and Cons

If you find your dream home before your current house sells, the temptation to buy first can be strong. After all, who wants to risk missing out? But there are a few things to keep in mind before diving in.

Pros:

● You’ll Have a Place to Go: Buying first means you won’t have to worry about finding temporary housing between selling and buying. You can move straight into your new home without the hassle of storage units or short-term rentals.

● You Can Take Your Time to Move: When you already own your new home, there’s no rush to pack up and move out immediately. You can transition on your schedule, which makes the process less stressful.

Cons:

● Financial Stress: Owning two homes at once means you’ll be carrying two mortgages (unless you buy outright), which can get expensive quickly. You might also have to dip into savings or secure a bridge loan to make it work.

● Pressure to Sell Quickly: When you’re paying for two homes, you might feel pressured to sell your current one quickly, even if that means accepting a lower offer than you’d like.

Selling First: Pros and Cons

On the flip side, selling your home first offers some financial security, but it also comes with its own set of challenges.

Pros:

● No Double Mortgage: When you sell first, you won’t have to worry about carrying two mortgages or taking out extra loans. You’ll know exactly how much money you have to work with for your next home, which can simplify the buying process.

● Stronger Buying Power: With the proceeds from your sale in hand, you’ll be in a better position to make competitive offers, especially in a hot market. Sellers tend to prefer buyers who aren’t relying on selling their home to close the deal.

Cons:

● Temporary Housing Headache: If you sell your home before you’ve found a new one, you’ll need to figure out where to live in the meantime. This could mean renting a place, staying with family, or putting your belongings in storage – all of which can be a hassle.

● Feeling Rushed to Buy: Once your home is sold, you might feel pressure to find a new place quickly, which could lead to buying a home that isn’t quite right just to avoid being stuck without a place to live.

So, What Should You Do?

There’s no one-size-fits-all answer, but here are a few key factors to help you decide which option is better for you:

1. Current Market Conditions Is it a buyer’s market or a seller’s market? In a seller’s market (where there’s more demand for homes), selling first can give you a bit of an edge, as your home is likely to sell quickly. In a buyer’s market (where there are more homes than buyers), it might take longer to sell, so buying first could make more sense.

2. Your Financial Situation Do you have the resources to cover two mortgages for a while, or is selling first the safer financial move? If money is tight, selling first might be the better option to avoid financial strain. If you have enough flexibility to manage owning two homes for a bit, buying first could give you more control over the timeline.

3. Risk Tolerance How comfortable are you with uncertainty? If the thought of carrying two mortgages or potentially rushing to buy stresses you out, selling first might be the safer bet. On the other hand, if you can handle some financial overlap or waiting to sell buying first gives you more time to find your ideal home.

Bridge Loans and Contingency Offers

If neither option sounds ideal, there are a couple of alternatives worth exploring:

● Bridge Loans: A short-term loan that covers the gap between buying your new home and selling your old one. This can help you buy first without feeling rushed to sell immediately.

● Contingency Offers: You can make an offer on a new home contingent on selling your current one. This arrangement can protect you from owning two homes at once, but not all sellers will accept contingency offers – especially in competitive markets.

Deciding whether to buy or sell first depends on your personal situation and the current market. Weigh the pros and cons, consider your financial flexibility, and think about how much risk you're comfortable taking on. With a clear understanding of your options, you can make a decision that fits your needs and leads to a smooth move into your next home.

Need personalized advice for your move? The Libby Starnes Team is here to help! Reach out to us for expert guidance and support every step of the way.

Pamela Starnes and Tiffany Libby are the Libby Starnes Team with Signature Homes Real Estate Group. Call them at 207-838-8051 or 207-712-2424 or visit them online at www.libbystarnesteamhomes.com. <

Current Housing Crisis 2025

By Matt Trudel

I personally would not consider this market a “crisis,” but many people are arguing that side of the conversation. I hear what they are saying, and I do not deny that a lot of the current numbers leave many folks feeling dim about the future. I just do not consider this a true “crisis.”

We do still have a shortage of inventory, although inventory is up from last year. Yes, interest rates are still elevated, and people are just having a hard time digesting the idea of having a 6.5 percent or 6.75 percent interest rate when we were looking at 4 percent or lower just a few years ago. The real issue is that younger adults, whether single or married, are having a very difficult time affording a home because of current market values.

The current median home price in Maine is $390,200. That is a new record for Maine, beating out the median price that was set in 2023 about $360,000.

I have been working with a few younger buyers looking to purchase their first home. I am helping them navigate this market which is moving quickly and not showing signs of slowing down. Both of these clients have done all the right things. They have paid their bills on time, established good credit with scores over 700, and have a solid savings account to cover a down payment and pay their closing costs.

They are spot on ready to go and are willing and able to pull the trigger and purchase a new home. The problem is affording to purchase that $400,000 home on a single income. Fitting that payment with taxes and insurance into a person’s budget stretches it and could break it. Even with two incomes it can be very tight.

Yes, there are lower-priced homes in certain towns on the outskirts of Cumberland County. To reach those you are looking at a 45 minute to an hour commute if you work in Portland or South Portland. We have also looked at multi-family home options, which in my opinion is almost always a great way to start with your first home. It not only helps you with your mortgage payment and costs, but it will also continually provide you with income down the road and potentially be the start of your real estate portfolio. However, the question remains. How we overcome this issue with buyers being priced out of the market in certain areas?

Inventory is not going to increase greatly this year. With interest rates in the low to mid 6 percent range, potential sellers who bought or refinanced three to five years ago and have 3 percent interest rates are just holding tight and not selling. They are just looking at the current market values and interest rates of over 6 percent, and they are asking themselves, where am I going to move to, and why double my mortgage payment?

New construction prices are just going up higher, so there is no relief coming with that market. Are there other options out there for buyers who want to be at or under a $375,000 purchase price and under a 45-minute commute? I believe there are options out there for those who have some flexibility in location and timeframe to close on a property.

Five Star Realty is working closely with Primary Residential Mortgage (located here in Windham) and a few investors to find some of these solutions.

Here are a couple of the options we have in the works. I will lay out the general idea of what some of these options are, and you can decide if this concept might work for you.

New construction options at 100 percent financing for VA loans for our veterans. These include both modular and manufactured homes.

There are also programs for Maine State Housing First Time Homebuyer new construction loans with little money down. You don’t have to be a first-time home buyer to qualify for these construction loans.

There are some FHA options, and the seller/builder can provide some closing costs. And, there are some fantastic modular and manufactured home options that are going to be market changing for some people to get into a home that is affordable. This is a very real potential solution for many buyers.

Anyone who would like to learn a little more about these options and how they might help you can call me directly anytime. You can also call Terry Robinson or Stephen Jordan over at PRMI to learn more. It’s simply a phone call to learn a little bit more about what your options are as buyers.

This article was written by Matthew Trudel, Owner of Five Star Realty, Windham, 207-939-6971. <

Refresh Your Home for Spring in Maine: Embrace the season with a fresh start

By Theresa Bouchard

As the days grow longer and the chill of winter begins to fade, spring in Maine brings a renewed sense of possibility. After months of cold temperatures and snowy landscapes, it’s the perfect time to refresh your home and prepare it for warmer, sunnier days. Here are a few simple yet effective ways to give your home a fresh start as spring arrives.

1. Deep Clean to Banish Winter’s Traces

Winter in Maine can leave behind salt stains, dust, and grime, especially from all the time spent indoors. Spring is the perfect time to give your home a deep clean. Start by wiping down windows, cleaning light fixtures, and vacuuming or washing floors. Don’t forget to dust ceiling fans and baseboards, areas often overlooked during regular cleaning. If your carpets or upholstery have seen better days, consider professional cleaning to refresh them. A clean home immediately feels more inviting and ready for the new season.

2. Swap Heavy Fabrics for Lighter Ones

As the weather warms up, it’s time to transition from heavy winter fabrics to lighter, more breathable materials. Swap your thick wool throws and flannel bedding for cotton or linen alternatives. Choose lighter colors—soft blues, greens, and pastels—that evoke a sense of freshness. Changing your curtains to lighter fabrics or colors can also help flood your rooms with natural light making them feel more open and airy.

3. Declutter and Organize

After spending months indoors, winter often leads to clutter. Spring is the perfect time to declutter and create a more organized, functional space. Start by sorting through closets, drawers, and shelves, and get rid of items you no longer need. In Maine, where space is sometimes limited, optimizing your storage can make a big difference. Tidy up high-traffic areas like the entryway or mudroom to create a welcoming first impression. Organize your outdoor gear and shoes so your home feels neat and inviting from the moment you walk in.

4. Bring the Outdoors In

Spring in Maine is all about embracing the outdoors as the snow melts and nature begins to bloom. Incorporating plants, flowers, and nature-inspired decor into your home can help reflect this seasonal change. Houseplants like ferns or ivy, or fresh-cut flowers like daffodils and tulips, add color and life to your space. If you’re lucky enough to have a garden now is the time to start planting or bring in flowers to place in vases. Nature-inspired decor, like floral prints or landscapes, can also lift the atmosphere of your home.

5. Refresh Your Walls

Winter can leave your walls feeling dull and drab, especially in Maine’s gray months. Consider brightening your walls with a fresh coat of paint or new artwork. Lighter, softer colors like pale blues, greens, or even warm neutrals can open up your rooms and make them feel more inviting. If you want a simple update, swap out framed pictures for spring-themed artwork or photos of local Maine landscapes to bring the beauty of the outdoors inside.

6. Tackle Outdoor Spaces

Maine homeowners know that outdoor spaces are just as important as the indoors. As temperatures rise, it’s time to freshen up your yard, porch, or deck. Start by cleaning outdoor furniture or repainting it if needed. If your lawn or flower beds need attention, now is the time to trim bushes, plant spring flowers, and clean up any debris left behind from winter. Even small outdoor spaces like balconies or patios can benefit from a few new plants or cozy seating arrangements.

7. Reevaluate Your Lighting

With longer daylight hours, it’s important to rethink your home’s lighting. Swap out dim or harsh lightbulbs for energy-efficient options that mimic natural light. Consider using smart lighting systems that allow you to adjust the brightness throughout the day. Adding candles with fresh spring scents like lavender or citrus can also enhance the atmosphere of your home, making it feel even more inviting.

8. Prepare for Seasonal Changes

Maine’s weather can still be unpredictable in early spring, so it’s important to ensure your home is ready for the seasonal shift. Replace air filters in heating or cooling systems, and check for drafts around windows and doors. Adding insulation or sealing gaps will help keep your home comfortable as the temperature fluctuates.

Why Refreshing Your Home Matters for Spring -- Especially if You're Selling

The tips shared in this article aren’t just about making your home more comfortable for the season; they also help you get your property ready for the spring real estate market. A refreshed home – clean, organized, and full of light – appeals to potential buyers who are looking for a space that feels welcoming and well cared for. By decluttering, brightening up your decor, and enhancing both your indoor and outdoor spaces, you're not just preparing for a fresh start yourself – you’re making your home stand out in a competitive market.

For those looking to go the extra mile, TS Staging Design is here to help. Their expert team specializes in preparing homes for sale by creating inviting, beautifully staged spaces that allow potential buyers to envision themselves in your home. With their professional eye for design and market trends, TS Staging Design can help you showcase your home’s best features, whether it's adding stylish furnishings, arranging furniture to maximize space, or enhancing curb appeal. If you're ready to sell in the spring market, their services can make a significant difference in how quickly and profitably your home sells. Let TS Staging Design help you turn your refreshed space into a standout property that buyers will love.

Theresa Bouchard is the owner and designer of TS Staging and Design. If you would like more information regarding staging services, please contact TS Staging and Design at 207-400-9393 or by email at TS Staging info@tsstaging.me or check us out on Facebook, Instagram or our website at www.tsstaginganddesign.com. We are an award-winning professional home staging company that provides superior customer service and beautiful designs that attract buyers to your home. <

Common Mistakes When Buying Your First Home

By Carrie Colby

Buying your first home is an exciting milestone, but it can also be a complex process filled with potential pitfalls.

Avoid these common mistakes to make a well-informed decision:

1. Looking for a Home Before Applying for a Mortgage.
Many first-time buyers start house hunting before securing mortgage preapproval. However, in a competitive market, sellers may not take your offer seriously without preapproval. Getting preapproved also helps you understand your budget and consider locking in your interest rate to mitigate concerns about rising rates.

2. Prioritizing the House Over the Neighborhood.
While finding a home that meets your needs is important, overlooking the neighborhood can lead to dissatisfaction in the long run. Consider factors like commute times, amenities, schools, and the community culture to ensure the area aligns with your lifestyle and long-term goals.

3. Making Decisions Based on Emotion.
Buying a home is both a financial and emotional decision, but it’s crucial to stay objective. Letting emotions drive your choice can lead to overpaying or stretching beyond your budget. Stick to a financial plan and long-term goals to make a wise investment.

4. Talking to Only One Lender.
Shopping around for a mortgage can save you thousands of dollars. Comparing rates and terms from multiple lenders allows you to secure the best deal. Even a slight difference in interest rates can have a significant impact over the life of your loan.

5. Being Careless with Credit.
Your credit score plays a crucial role in securing a mortgage. Lenders will check your credit report during preapproval and again before closing. Opening new credit accounts, taking on additional debt, or making late payments can jeopardize your loan approval.

6. Buying More House Than You Can Afford.
It’s tempting to stretch your budget for a dream home, but overextending financially can lead to difficulties down the line. Higher mortgage payments may limit your ability to cover other essential expenses, save for retirement, or handle financial emergencies.

7. Not Finding a Good Realtor.
A knowledgeable and ethical real estate agent can make the homebuying process much smoother. A good agent will help you navigate different property options, negotiate the best deal, and set realistic expectations.

8. Choosing an Incompetent Inspector.
A qualified home inspector is an essential part of your home buying team. They help identify potential issues with the property, allowing you to negotiate repairs or reconsider your purchase. A thorough inspection can save you from unexpected costs and regrets in the future.

9. Waiving the home inspection.
What’s worse than choosing the wrong inspector is waiving the home inspection altogether. While it may seem like a good way to save money upfront or to get the seller to reduce the asking price, it’s highly risky. You’d be purchasing the property without full knowledge of its condition, which can be costly in the long run.

By avoiding these common mistakes, you’ll be better prepared to make a sound investment and enjoy your first home with confidence.

Carrie Colby is a Broker with Allied Real Estate, 909 Roosevelt Trail in Windham. She can be reached at 207-232-5497. <

 

 

 

A roof’s condition important to homeowners insurance companies

By Tricia Zwirner

Understanding the condition of your roof in Maine is critically important, especially in relation to insurance, for several specific reasons:

1. Insurance Underwriting and Premiums. Insurers carefully evaluate the condition of a roof when underwriting policies and determining premiums. A newer roof can result in lower premiums, while an older roof may lead to higher rates or even denial of coverage. Homes with roofs older than 15 to 20 years are often subject to increased premiums because they are considered higher risk. Additionally, potential buyers may face challenges securing insurance for properties with aging roofs, making it difficult to obtain coverage for new purchases, which can complicate the buying process.

2. Claims Process and Coverage. When filing a claim for roof damage, insurance adjusters will evaluate the roof's condition at the time of the incident. If they find that the damage was due to pre-existing issues or neglect, they may deny the claim or reduce the payout. For instance, if a homeowner fails to address a known leak and later files a claim for water damage, the insurer may argue that the damage was preventable, leading to potential claim denial.

3. Preventing Water Damage. A compromised roof can lead to leaks that cause extensive damage to the interior of your home, including walls, ceilings, and personal belongings. Water damage can escalate quickly, leading to costly repairs and potential health hazards like mold growth. In Maine, where humidity levels can fluctuate, mold can thrive if leaks go unchecked. By regularly inspecting your roof and addressing issues promptly, you can prevent these problems, mitigating both immediate repair costs and long-term health risks.

4. Maintaining Compliance with Insurance Requirements. Certain insurance policies include specific requirements related to the age and condition of roofs. For example, if your roof is more than 20 years old, insurers may mandate an inspection or even a full replacement to keep your coverage active. Additionally, some insurers incorporate coverage limitations into their policies such as a "Roof Depreciation Table," which decreases the amount of coverage as your roof ages. It is essential to understand your policy and its potential stipulations.

5. Impact of Maine's Weather Conditions. Maine's severe weather, characterized by heavy snowfall, ice accumulation, and strong winds, puts significant stress on roofs. Increased claim activity has been observed due to the effects of climate change, which can exacerbate these weather events. For instance, roofs that are already prone to ice damming or have structural weaknesses may be particularly vulnerable to damage during more intense winter storms. As these weather patterns become more frequent and severe, the risk of roof-related issues rises, leading to a higher likelihood of claims for homeowners.

6. Potential for Increased Repair Costs. If your roof is older, repair costs may escalate rapidly due to several factors. Initially minor issues, like leaks or missing shingles, can worsen over time, leading to significant water damage, mold growth, and compromised structural integrity. This can result in costly repairs, increased labor costs and increased claim payouts. In harsh areas like ours, delays can exacerbate damage from snow and ice, further driving up potential claim costs.

7. Resale Value and Marketability. A well-maintained roof enhances your home’s resale value. Prospective buyers are often wary of homes that may require immediate roof repairs or replacements. By keeping your roof in good condition, you not only protect your investment but also make your property more appealing to buyers. A solid roof can be a significant selling point, positively influencing your insurance rates as well.

8. Insurers have stricter age-related standards than contractors. Insurers adhere to specific policy requirements and standardized inspection protocols that prioritize long-term risk assessment when evaluating roof condition. They focus on factors such as age, material integrity, and potential for future claims, which can lead to higher premiums or denial of coverage for roofs that don't meet their criteria. In contrast, contractors primarily concentrate on immediate repairs and structural integrity. This difference means that while a contractor may deem a roof to be in good condition, an insurer may classify it as a liability risk. Homeowners with aging or poorly maintained roofs often face challenges in securing insurance, complicating their ability to protect their property effectively.

In summary, knowing the condition of your roof in Maine is essential for effectively managing insurance costs, ensuring adequate coverage, preventing damage and maintaining compliance with policy requirements. Given Maine's unique weather challenges, proactive roof maintenance and inspections can save homeowners from costly repairs, insurance complications, and potential health hazards. By staying informed and addressing issues promptly, you can protect your investment and enjoy peace of mind in your home.

Tricia Zwirner is a State Farm agent celebrating her 22nd year in Windham. She and her team would love to hear from you and can be reached via phone and text at 207-892-2864 or via email at tricia@TRICIAZWIRNER.com. <

Remodelers vs. General Contractors and Who is Best Fit for Your Project?

By Warren O’Shea

The primary difference between a remodeler and a general contractor lies in the scope of their projects. It is important to know the differences between the two professions when it comes to planning your project.

** A remodeling contractor specializes in transforming pre-existing areas of the home rather than creating new ones. Due to the specialized nature of the profession, a remodeling contactor can tailor projects to specific tastes and needs. They understand interior design and layout and are focused on attention to detail and finishing. They tend to possess artisan-like craftmanship and produce high-quality and skilled solutions with a keen eye for style, performance, and visual appeal because no one wants an ugly remodel.

A subset of remodelers, known as design-build remodelers, go beyond the traditional scope of their role by offering design services. This comprehensive approach brings design and construction under one roof and has the unique advantage of streamlining communication, potentially lowering overall project costs, and making it clear who is accountable for the success of the project. In contrast, a general contractor typically works with pre-existing plans and focuses more on project management than design.

** In many ways, remodeling can be more difficult than new construction. Remodeling requires navigating pre-existing conditions, which can be complex and unpredictable, especially in older homes where nothing may be plumb, level or square. The process involves adapting to the limitations and idiosyncrasies of the existing structure and working within the limits of existing floor plans often leading to creative problem-solving, meticulous planning, and adaptive design.

** Unlike new construction projects, where plans can be executed with fewer constraints, remodelers must carefully assess and work within the confines of what already exists, balancing the desire for modern updates with the realities of the existing home.

** Discovering hidden problems like outdated wiring or plumbing.

** Seamlessly blending new additions with the existing home, both structurally and aesthetically.

** Adhering to building codes, which may have changed since the original construction.

** Maintaining the integrity and character of the original home while updating.

A general contractor, as the name suggests, has a broad skillset and can take on a wide range of building projects. However, many GCs specialize in a particular type of project, like new home construction, commercial build outs, or even something as specific as building apartment buildings. While many GCs are adept at managing large-scale construction projects and extensive renovations, their approach likely differs from specialized remodelers who focus on detailed home improvements.

One analogy from the world of medicine would be to compare the broad knowledge of a general practitioner to the specialized knowledge of a neurosurgeon. Both have a broad base of medical knowledge, but the surgeon has spent extra time learning a very particular set of skills.

Of course, when it comes to actual skill levels for contracting and remodeling, there aren’t as many barriers to entry as there are in medicine. That’s why, when comparing the various skill levels of any professional working on your home, you should check references, study reviews, and interview at least three companies.

As far as having a remodeling project commence in your home, you need to be prepared for some disruption to your daily routine. It’s not fun. Noise, dust, or your kitchen being out of commission during construction are commonplace. The hallmark of a skilled remodeler lies in their adeptness at minimizing disruptions to the homeowner’s daily life, their strategies to control dust, noise, and ensuring the safety and comfort of the residents during the renovation process. Inquire about how the contractor works to minimize inconveniences like creating a temporary kitchen or starting a little bit later in the day.

Even if the remodeler does everything right, nothing sours homeowner happiness like having a troop of tradespeople in your house at 7am while you’re in your bathrobe drinking bitter, instant coffee. A precarious stack of empty pizza boxes will probably take up residence in a corner by the door and at the end of the fourth week you may have sampled every imaginable pizza topping known to man. A general contractor who is more accustomed to new construction may not have processes in place to keep your home livable during the building phase.

Choosing a specialized remodeler over a general contractor might help minimize these disruptions, and it should be one of the primary ways you evaluate who you might hire for the job.

Warren O'Shea is the owner of O’Shea Builders LLC, Maine’s most award-winning remodeling contractor. He has 35-plus years of residential remodeling experience. He is a certified home inspector and has been featured on HGTV, Food Network, and Maine Cabin Masters. He is a recipient of the Portland Police Department’s “Citizen Award,” and is a staunch consumer advocate. Warren has, and continues to, co-author articles for nationally distributed trade magazines. <