Marie Costa Mauricio-Realtor

Marie Costa Mauricio-Realtor Associate Real Estate Broker

09/20/2026

🚨 Before you take the leap and buy your first house, read this! 🚨
Just because you’re approved for an eye-watering number doesn’t mean you should stretch your budget to the max.
I work with my clients to find houses in their comfortable price range - I’ve got the big picture in mind for you, not just selling you the house at the top of your budget.
It’s a good idea to use the 28/36 rule to figure out your monthly payment. But it's crucial to find a monthly mortgage payment that you feel comfortable with.
Remember, these estimates are not recommendations!
Here's the formula I used to get these numbers:
💰 1.5% annual property taxes
📈 7% interest rate
🚫 No HOA fees
🏠 PMI estimates
💸 10% down payment
📉 No debt
Excellent Credit
Your actual numbers might be different. Especially if you qualify for first time homebuyer programs!
For a clearer picture, chat with a local lender. Don’t have a lender yet? Don’t know where to start? DM me and I’ll send you my favorite local lenders who can get you started, without any pressure.


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This Saturday, step inside a Rumford home designed for easy living.With four bedrooms, flexible one level living, a priv...
09/20/2026

This Saturday, step inside a Rumford home designed for easy living.

With four bedrooms, flexible one level living, a private fenced yard, and an in ground pool, 849 Roger Williams Ave offers a combination of comfort and lifestyle that is worth experiencing in person.

OPEN HOUSE!
Saturday, September 19 | 10:30 AM to 12:00 PM

📍 849 Roger Williams Ave, Rumford, RI

Listed by Marie Mauricio | The Mello Group, Inc.

$575,000

4 Bedrooms | 3 Bathrooms | 1,600 Sq Ft

• Spacious ranch offering convenient one level living
• Four bedrooms with two full bathrooms and one half bathroom
• Hardwood and laminate flooring throughout the home
• Brick fireplace adding character to the main living space
• Central air with natural gas forced air heating
• Full unfinished basement providing additional storage and future possibilities
• Private in ground pool for relaxing and entertaining

For buyers searching for a 4 bedroom home in Rumford, Rhode Island, this open house is an opportunity to experience the layout, outdoor space, and lifestyle features firsthand.

Come tour 849 Roger Williams Ave this Saturday and see how the combination of one level living, generous bedroom space, and a private pool could fit your next chapter.

09/19/2026

Refinancing your mortgage can still be a smart move despite recent interest rate hikes. Here are some common myths debunked to help you understand the process better:
Myth 1: Refinancing is cost-free: No such thing as a free lunch…or a free refi. Refinancing carries closing costs, usually 2-5% of the loan principal, which can be rolled into the new loan.
Myth 2: The interest rate is the most important factor: While important, the loan term also matters. Refinancing to a new 30-year loan resets the payment clock, potentially costing more in the long run. Consider a shorter term for greater savings.
Myth 3: A refinance will affect selling the house: Refinancing replaces the existing mortgage lien without affecting your ability to sell.
Myth 4: You won’t need a credit check: Lenders treat refinancing as a new loan, requiring a credit check to assess your current financial state.
Myth 5: You can only refinance your mortgage once There’s no limit, but frequent refinancing comes with costs. Ensure each refinance makes financial sense and be aware of potential prepayment penalties.
Before refinancing, check your credit score and debt-to-income ratio to qualify for the best rates. Refinancing can be a strategic financial move if done wisely. 🏠🔄💰


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🏠 Honesty in Home Selling: A Must-Have Virtue! 🌟Let's talk transparency in the home-selling process! Did you know that a...
09/18/2026

🏠 Honesty in Home Selling: A Must-Have Virtue! 🌟

Let's talk transparency in the home-selling process! Did you know that as a seller, you have a responsibility to be upfront about your property? 🤔

🔍 Disclosure Matters: Sellers are typically obliged to share known defects or problems with their property. It's not just about avoiding legal snags, but also about maintaining trustworthiness in a process that is deeply personal for many.

❗ Why It Matters: Aside from the legal implications, transparent disclosures foster trust and can even speed up the selling process. When buyers know exactly what they're getting into, it can lead to smoother negotiations, fewer surprises during inspections, and ultimately, a quicker closing.

🤝 Building Trust: Honesty not only ensures a fair deal for everyone but also boosts your reputation as a trustworthy seller. In an industry where word-of-mouth and personal recommendations can make or break your next deal, maintaining a sterling reputation is invaluable.

When in doubt, always choose transparency. It's the foundation of every successful, ethical transaction in real estate, and it’s the right thing to do. Remember, homes come and go, but your reputation stays with you! ❤️🔑



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What can I expect for closing costs?  🏠Closing costs can vary depending on your location and the type of property you're...
09/17/2026

What can I expect for closing costs? 🏠

Closing costs can vary depending on your location and the type of property you're buying, but they typically range from 2% to 5% of the home's purchase price. Some common expenses include: 👇 👇

▶︎ fees for the loan application
▶︎ home appraisal
▶︎ title search
▶︎ title insurance
▶︎ attorney fees

It's important to get an estimate of your closing costs from your lender or real estate agent early in the home buying process.

If you need advice on how to prepare for closing costs, call me, we have ways to make this a little easier.

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🏡✨ Top 3 Must-Haves in a Dream Home: What Would Yours Be? 🌟🔍When picturing the ideal residence, everyone has their list ...
09/16/2026

🏡✨ Top 3 Must-Haves in a Dream Home: What Would Yours Be? 🌟🔍

When picturing the ideal residence, everyone has their list of non-negotiables. Imagine stepping into a home search; here are three popular features many might prioritize:

Spacious Kitchen: A place where culinary dreams come to life, and memories are forged over meals and laughter. Wouldn't it be great to have expansive countertops, generous storage, and a welcoming ambiance? 🍳🥂

Dedicated Office Space: Given our evolving work dynamics, a tranquil space to focus, create, or even attend virtual meetings has become a cherished necessity. Picture an area with abundant light and room for all the essential gadgets. 💼🖥️

Lush Backyard: Visualize an outdoor retreat for relaxation, entertainment, or perhaps a touch of gardening. A perfect setting for BBQs, late-night fires, or leisurely afternoon naps on a hammock. 🌳🔥

What would be on your dream home checklist? 🏡✨


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Navigating the journey to your dream home? One key step could save you thousands: locking in your interest rate. 🗝️💼Why ...
09/15/2026

Navigating the journey to your dream home? One key step could save you thousands: locking in your interest rate. 🗝️💼

Why Lock In?
Interest rates fluctuate, and in today's market, a small change can mean a big difference in your monthly payments and the total cost over the life of your loan.

Benefits of Locking In:
📉 Stability: No surprises on your monthly budget, even if market rates spike.
🔮 Peace of Mind: Relax knowing your rate won't increase before you close.
💰 Savings: A lower rate means more money stays in your pocket.

Timing Is Everything:
⏳ Lock in your rate when you're sure you've found the right home and are ready to move forward with the loan process. The lock period typically lasts from 15 to 60 days, so timing is crucial to maximize the benefit.

🔑 Expert Tip: Keep an eye on the market trends and consult with a mortgage advisor to choose the best time to lock in.



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09/14/2026

Considering a new construction home? Here are a few reasons why it might be the perfect choice for you:
You Crave Personalization: Customize your home to fit your style and needs from the ground up. 🛠️
You Want Pristine Condition: Enjoy a spotless, brand-new living space with the latest materials and trends - no demo necessary.🏡
You’re All About (Energy) Efficiency: New builds boast modern energy-saving tech that reduce your utility bills. 💡
Low Maintenance, Please: New materials = fewer repairs and maintenance tasks. If you’re a busy professional, a young family, or burnt out on home maintenance, new construction lets you opt out of weekends spent working on the house.🔧
You Need Peace of Mind: New Construction comes with builder warranties covering potential surprise issues. 📜
You’re Interested in Financing Incentives: Take advantage of attractive financing options often offered by builders. 💰
You’re Flexible on Timeline: New builds come with a longer timeline than buying an existing home. But if you’re willing and able to wait for your dream home, new construction is just right.🏗️


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🔐 What is Escrow?Escrow is a financial arrangement where a neutral third party, known as the escrow agent or company, ho...
09/13/2026

🔐 What is Escrow?
Escrow is a financial arrangement where a neutral third party, known as the escrow agent or company, holds funds and important documents during a real estate transaction. It acts as a safety net, ensuring a secure and fair exchange between the buyer and seller. 💼💸

📜 How Does Escrow Work?
1️⃣ Offer Acceptance: After the buyer's offer is accepted, the buyer typically deposits earnest money into an escrow account as a sign of good faith and commitment.

2️⃣ Contractual Obligations: The buyer and seller fulfill their respective contractual obligations while the escrow process is underway. This includes satisfying contingencies, inspections, and other agreed-upon conditions.

3️⃣ Secure Transaction: The escrow agent safeguards the funds and relevant documents until all the conditions of the transaction are met. This ensures a fair and impartial process for both parties involved.

4️⃣ Clearing Contingencies: The buyer performs due diligence, such as property inspections and obtaining financing, within a specified timeline.

5️⃣ Closing the Deal: Upon satisfying all conditions, the escrow agent coordinates the final steps of the transaction.

6️⃣ Disbursement: After the closing process is complete, the escrow agent disburses the funds to the seller, pays off any outstanding liens or fees, and provides the buyer with the title to the property.

💼 Why is Escrow Important?
Escrow provides a secure environment for all parties involved in a real estate transaction. It ensures that funds are protected and only released when all conditions are met, mitigating risks and promoting a smooth and fair exchange. 💪🤝



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🏡✨ Boost Your Home's Market Value with These Tips! ✨🏡1️⃣ Curb Appeal Magic: Enhance your home's first impression with a ...
09/13/2026

🏡✨ Boost Your Home's Market Value with These Tips! ✨🏡

1️⃣ Curb Appeal Magic: Enhance your home's first impression with a well-maintained exterior. Fresh paint, landscaping, and a tidy front entrance can work wonders! 🌿🎨

2️⃣ Kitchen & Bath Makeover: These areas have significant impact. Consider updating fixtures, adding a fresh coat of paint, or even remodeling for a modern touch. 🚰🍽️

3️⃣ Energy Efficiency Upgrades: Invest in energy-saving features like LED lighting, smart thermostats, or insulated windows. Buyers appreciate cost-effective and eco-friendly options! 💡🌍

4️⃣ Open Up Spaces: Knock down non-structural walls to create an open floor plan. It adds a sense of spaciousness and improves flow, appealing to potential buyers. 🚧🏠

5️⃣ Upgraded Flooring: Replace worn-out carpets with hardwood, laminate, or stylish tiles. Quality flooring adds value and elevates the overall aesthetic. 🛋️🔨

6️⃣ Smart Home Technology: Integrate smart devices like security systems, voice assistants, and automated features. It adds convenience and modern appeal. 📱🏠

7️⃣ Enhance Storage: Install custom closets or built-in shelves to maximize storage space. Buyers appreciate organized and clutter-free homes! 🧺🗄️

8️⃣ Fresh Paint: A fresh coat of paint works wonders in refreshing your home's look. Stick to neutral tones for broad appeal. 🎨🖌️

Increasing your home's market value is an investment. Prioritize upgrades that align with your budget and market trends. Happy home-improving! 🏡💪



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23 Circle Dr
Seekonk, MA
02777

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