Denis Vieira Real Estate

Denis Vieira Real Estate Real estate agent at Berkshire Hathaway HomeServices Commonwealth Real Estate in East Greenwich, Rhode Island

02/07/2026

A lot of buyers are understandably nervous about buying a home. A lot of this nervousness stems from affordability.

Here’s a strategy I like to share with my clients:

Why not consider a duplex?

In a nutshell you own 100% of the home but only pay ~50% (or less) of the mortgage.

In my experience, when you factor in rent, it almost always brings the financial piece of the puzzle into a comfortable level.

However, this strategy definitely isn’t for everyone.

A lot of buyers just don’t want the responsibility of being a landlord and depending on your target location, it may be difficult to find tenants or earn a comfortable rent.

But if you’re open to this possibility it could mean big savings.

DM me if you’re thinking of making a move and we can talk about your strategy!

02/03/2026

Everyone wants a lower interest rate!

BUT, wait one second

Did you know that a higher interest rate has some advantages as a buyer?

Mainly, less competition. That means you get your choice of the current inventory and fewer bidding wars. It’s more likely that YOUR offer is the one that gets accepted.

When rates fall, buyers flood the market and push prices up. You want to get in BEFORE that happens.

If buying a home is on your radar, and you can afford it, then don’t wait, just do it now!

You can always refinance later when rates drop.

As always, feel free to DM me with any questions.

Lastly, if you’re looking to buy this year, comment HOME for a free buyers guide!

01/29/2026

Here’s my take on what’s going to happen in 2026.

Listen to the end to find out how you can best approach buying or selling your home this year!

As always if anyone has any questions, feel free to DM me!

01/21/2026

If you’re buying or selling a home you may hear the term “contingencies” a lot. But what are they exactly?

Simply, a contingency is a condition that must be met before the property can proceed to closing.

Contingencies are especially important to buyers as they ensure certain hurdles are cleared before actually buying the home.

Common contingencies include:

1. Financing contingency
Ensures the buyer can secure a mortgage loan before proceeding with the purchase. If the buyer’s financing falls through for whatever reason this allows the buyer to recover their deposit and walk away.

2. Home inspection contingency
A buyer is entitled to an inspection by a licensed trained professional. Depending on the findings of the inspection a buyer can negotiate repairs, ask for a credit, or walk away. This protects a buyer from buying a home with serious issues.

3. Appraisal contingency
If the home appraises for less than the purchase price, the lender might not approve the full loan amount, creating a financing shortfall. This contingency allows the buyer to renegotiate the price or walk away.

4. Home sale contingency
This allows a buyer to purchase a new home contingent on selling their current home. This can be super important for buyers who need the equity in their current home to buy their next one.

Lastly, timing is important! Each contingency may have its own deadline and it’s critical you satisfy each one in the time allowed or you risk potential problems!

If you’re thinking of buying a home or just have a question, feel free to DM me.

Also comment HOME for a free buyers guide!

01/19/2026

So what exactly is a home inspection?

Well, in short, it’s an evaluation of a home by a trained, licensed, professional.

A home inspector will typically look at the home’s structure, exterior, major systems, attics and basements to assess their condition.

I always recommend my buyers attend the inspection to ask questions and talk through any issues.

That being said, there is some work YOU should do to be prepared for your inspection:

1. Review the seller disclosure form
2. Come with a notebook and any questions ahead of time
3. Understand the remaining useful life of major systems
4. Decide if additional testing is important to you (ie mold or radon)

After the inspection you’ll receive a formal written report summarizing the findings, major defects, recommendations, notes, potential future issues etc. This report is meant to give you a comprehensive view into the property.

From here you as a buyer have some options! You can request repairs, ask for a credit, accept things as they are, or even walk away if you feel uncomfortable. An experienced agent can help you decide what items are worth pushing for and which aren’t!

If you’re in the market to buy DM I’d love to help! Also comment HOME for a copy of my free buyers guide!

01/14/2026

The new year always brings a fresh start and new goals.

And if buying or selling is one of those goals (even if it’s a few months away), here’s what I’d be doing right now.

1. Loop in an agent.
I always say it’s never too early to talk to an agent. It helps just to talk through your goals, timeline, identify any potential problems early, and to begin getting a sense of the market.

2. If you’re selling, start touching up your home.
Declutter, paint, make those small fixes. Getting your home photo ready can be intimidating, starting early and doing it a little at a time makes it feel doable.

3. If buying start identifying target locations.
Start to narrow down your target locations, wants and needs. This will help make your home search more efficient and less frustrating reducing the risk you miss out on that perfect home!

4. Get a sense of the market.
An agent will be able to tell you what homes are going for today in your neighborhood (or your target areas). Instead of looking at recent sales, look at active listings to get a feel for what homes are going for now.

If making a move is even remotely on your radar, DM me and we can talk through what you’re thinking!

12/31/2025

Why do you want to buy a home?

Is it stability, control, financial reasons?

There’s no right or wrong answer. It’s completely up to you!

Knowing your why is important because it leads to more confidence and better decisions during the process. Also it keeps you motivated when faced with some hurdles.

Wishing everyone a happy new year and comment below ⬇️

12/21/2025

If you’re a buyer, it’s frustrating to see how much home prices have risen the past couple years.

And when you look back at what those homes were selling for in 2018, forget it… 🤢

And unfortunately I don’t think home prices will be coming down anytime soon (at least not here)

That sucks to hear and I’m sorry.

But buying a house ISN’T out of the question!

Here’s what you can do to put yourself in the best position:

1. Mindset
There’s the old saying that hindsight is 20/20 and sure everyone can look back and say I wish I bought a house 5 years ago. But beating yourself up about it isn’t going to change the present. Instead let’s focus on what you can do TODAY.

2. Strengthen your financial position.
Start saving for a down payment (if you haven’t already), check your credit score and take steps to improve it if necessary. Reach out to me if you want some advice on how to do these things! I’d love to help.

3. What homes and locations make the most sense NOW.
Given the recent price appreciation some neighborhoods might now be out of your budget. What are your target locations in today’s market. There are still A LOT of great options out there.

If buying a home is a goal of yours in 2026, comments HOME for my free buyers guide!

12/19/2025

Saving for a down payment is probably the hardest part of buying a home.

Most of my buyer clients feel overwhelmed and wonder how they’ll save such a large amount.

Here are a couple tips that I give them to help saving feel as painless as possible:

1. Open a dedicated account
Separating your savings from your other personal money will make it less likely you dip into it and keep savings on track.

2. Make automatic contributions
This takes the sting out of moving money from your checking account manually. Out of sight out of mind!

3. Try and set aside some of your windfalls
Things like tax refunds, bonuses, gifts, etc. Even if you put 25% of these into your savings account it can drastically reduce the time needed to save your target amount.

4. Be thoughtful in what you cut back on
I’m never going to be the guy that tells you to skip your coffee or avocado toast. If you enjoy those things then by all means keep doing it! But you’ll probably have to cut back somewhere so think about what makes sense to you.

5. Revisit quarterly
Things change as time goes on, so should your savings strategy. Make sure you change based on any new circumstances.

If this was helpful comment HOME for a free buyers guide with ton of useful information on how he buying process.

12/17/2025

Let’s look ahead to 2026 for a second.

The general consensus on mortgage rates is that we’ll see a gradual decline to about 6%. (Some forecasts have a target of high 5s and some low 6s)

So how does this affect your strategy if you plan on buying a house?

Well the forecasted drop in mortgage rates isn’t all that different than where we are right now.

I wouldn’t wait for mortgage rates in the 3-4% range as it’s unlikely they get there.

Instead, I want you to take interest rates out of the equation, and focus on the other factors. Does buying now fit your life goals? Is the timing right? Does it work financially even at 6%?

If so, then now is the right time!

Reach out to me if you want help starting the process or even if you just have any questions!

time homebuyer

12/11/2025

🚨Attention first time home buyers 🚨

If you want more information on the new RI Anchor Program please reach out!

12/10/2025

The home inspection is a critical part of the home buying process.

You want to find out as much as you can and get comfortable with the home you’re buying.

But most people go in without a plan.

Here are a couple things I recommend you look out for:

1. The first thing is not even something to “look” for necessarily, but smell! Use your nose! If you smell mold or funky odors coming from the bathroom or basement that’s usually a sign of water issues.

2. Sloping floors. A small amount of slope is ok, every house settles a little bit, but if one side of the room is an inch or more lower than the other, that’s a red flag. This suggests possible foundation issues which can lead to significant repairs.

3. Roof and HVAC. Not particularly sexy but they can be expensive to fix so you want to make sure they’re in good shape. You don’t want to see yellow spots on the ceiling for example.

4. Weird rug placement. Did you ever walk into room and notice the rug wasn’t centered or it was just laying in a random corner? Well 9 times out of 10 it’s probably covering something up. Don’t be afraid to look under rugs or mats!

These are just some examples, every home is unique so there could be many more. This is why hiring a good inspector is critical. Definitely do your research here (I can always recommend some of you need one)

Hopefully you found this helpful, if you want a copy of my free buyers guide comment HOME and I’ll send it over ASAP!

Address

39 Main Street
East Greenwich, RI
02818

Telephone

+14012411815

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