Tom & Joanne Homeowners Guide 2019

THE TOM & JOANNE TEAM TOM MATTHEWS & JOANNE TARANTO

Homeowner's Guide info@tomandJoanneteam.com 781.795.0502 tomandjoanneteam.com

THE TOM AND JOANNE TEAM

As part of our motto, “Creating Clients for Life,” we have cultivated exceptional relationships over the years that we confidently feel will provide you with trustworthy and quality work.

No need to turn to Google reviews or Angie’s List. We want to help you select honest individuals when the time is right. While this isn’t every service provider you may need, it’s a good reference point to keep available throughout the year. We will continue to adapt and improve this resource annually and welcome your feedback.

This year, we concluded our 14th year working together and celebrated closing our 500th sale! 85% of our business comes through recommendations from clients and referrals from our business colleagues. People have said they trust our work because they know we will put their interest first, and we will be their advocates throughout the buying or selling process.

Warmest Regards,

Tom & Joanne

1

TABLE OF CONTENTS

D E S I G N S E RV I C E S Graphic Design Waterman Design Interior Design Mast & Falls Interior Design Kitchen Design Edesia Kitchen & Bath Studio, Inc. Landscape Design Chestnut Grove Design Group O'Neil Landscape Design Perfection Landscaping

H O M E O R G A N I Z AT I O N 20 Resolutions

M OV I N G C O M PA N I E S 25 Big Hill Movers 26 Home Team Moving Company 27 Piece by Piece Movers

14 15 16 17

F I N A N C I A L S E RV I C E S Financial Planning Concord Wealth Management Lincoln Financial Advisors E3 Financial Planning Mortgage Bankers Guaranteed Rate-Bryan Brown First Choice Loan Services, Inc. Guaranteed Rate-Andrew Marquis Leader Bank

18 19

G E N E R A L C O N T R AC T O R S Home Sweet Home Builders New England Home Restoration

5 6 7 8 9 10

11 12 13

I N S U R A N C E S E RV I C E S 21 Davison Insurance Agency, Inc 22 McWalter Volunteer Insurance 23 Wackell Insurance L E G A L S E RV I C E S Real Estate Law 24 Crowley & Cummings, LLC

PA I N T I N G C O N T R AC T O R S 28 Certapro Painting 29 TLC Painting Inc.

2

OUR SERVICES

Our 15 years of experience is comprised of over 500 sales. We leverage this in-depth knowledge of selling and buying homes to deliver a tremendous experience for clients!

We are thrilled to share this knowledge with many more families in the years to come.

• Backed by Gibson Sotheby’s International Realty; the largest Sotheby’s Franchise in New England • Expert negotiation skills to advocate the best financial and strategic position in the sales process • Use of our Precision Pricing Method • Staging consultation to prepare your home for maximum success • 10 person marketing team on staff to give you the best marketing experience • Preparation of documentation with use of digital signatures • White-glove level of service that’s highly communicative with guaranteed Tuesday check-ins • Availability to take your calls and return calls/emails/texts promptly • Online transaction management to ensure a smooth process • Post conveyance check in and communication as you become a “Client for Life”

3

C O N N ECT I N G FA M I L I ES A RO U N D T H E G LO B E

wellington, florida

princeton, new jersey

narragansett,rhode island

At Gibson Sotheby’s International Realty, we are structured to be able to assist you and your friends with real estate sales anywhere in the world. Our company now spans across the Boston area and down onto Cape Cod. Our relocation staff spends hours researching the perfect agent to make sure there’s a smooth experience when buying or selling outside of our team’s geographical coverage. This could mean a beach house on the cape, a ski condo in the mountains, a retirement home in Florida, or a chateau in France. We can assist with it all! Lean on us as a resource anytime you or someone you know is in need of real estate representation. We are happy to connect you or your friends with a top-notch agent in that location. As an extension of our white-glove service, all you need to do is contact us and we’ll do the rest!

4

GRAPHIC DESIGN & BRANDING SOLUTIONS

26 RIVERDALE CIRCLE CONCORD MA 01742 P: 978 369 3896 P W. S T U R G E S @ C O M C A S T. N E T PWATERMANDESIGN.COM

5

Let us inspire you...

Renovation • Space Planning Interior Design and Decoration • Project Management

KATHARINE MAST & SUSAN FALLS

978.287.0054 38 BLUEBERRY LANE, CONCORD MA 01742 katharine@mastandfalls.com • sue@mastandfalls.com

www.mastandfalls.com

7

6

7

WWW.CHESTNUTGROVEDESIGNS.COM

Creative Landscape Design & Installation Services Landscape construction, horticulture, & property management

OneilLandDesign.com 978.771.0772 9

Professionals with an Eye for Perfection Residential & Commercial Landscape Maintenance, Design and Construction

978.635.9339 | Todd@PerfectionLandscaping.com PerfectionLandscapingOnline.com

10

11

Are you looking for Personal and Corporate Financial Planning?

Eric Bertz

CRPC

®

One-Source Wealth Management

hen you have overlapping W financial challenges involving your personal and business life, our

A M

H LT

WEA N TIO

A RV SE

IN

N

T

PL

AN

S

WEA

L

TH

PR

E

E

N

E

R

PLAN

Executive Retirement

EM

SO

IT

401K Plans RE

Estates & Trusts Life Insurance Long Term Care

Medical & Dental HR Management Compliance & COBRA

S

Financial Planning Asset Management Business Succession

G

NN

E

EF

PLA

YE

N

L

LO

TIR

NA

EMP

FIT

P

2013 • 2014 • 2015 FIVE STAR PROFESSIONAL WEALTH MANAGER

NT

NE

125 Summer Street, suite 1400 Boston, MA 02110 Office: 617.728.7434 Eric.Bertz@lfg.com www.ericbertz.com

ME

BE

To learn how our process can help you, your family and your business plan for the future, schedule a consultation with Eric Bertz CRPC.

N

E AG

E

IN

G

B

One-Source Wealth Management process can provide you the confidence of knowing all the components of your personal and business life are professionally coordinated.

Eric Bertz is a registered representative of Lincoln Financial Advisors Corp. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors Corp., a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and it’s affiliates. (Member SIPC) CRN-1236593-062915

12

Congratulations on your new home!

Let‘s work together to create a custom college savings plan for your newborn.

John Patrick Foley, CFP®, ChFC® FINANCIAL PLANNER

175 Highland Ave Suite 304 Needham, MA, 02494 P 781.444.4907 C 781.645.6101 E john@e-3-fp.com

e3financialplanning.com Securities and Advisory Services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser.

13

We’re #1 in Massachusetts 4 years in a row Once again, Guaranteed Rate had the most purchase mortgages in the state in 2016.

Last year alone, we helped fund over 4200 dream homes for clients in Massachusetts.* Those same clients helped Guaranteed Rate close $23 billion in total volume nationwide for 2016.

$500 closing cost coupon Apply by phone or online today and get your closing cost credit**

Find out why we’re number one. Contact me today.

Bryan Brown Branch Manager

Let’s get started

22 South Street Suite 201 Hopkinton, MA 01748

O: (617) 286-8904 Rate.com/bryanbrown bryan.brown@rate.com

NMLS ID:89425 MA - MLO89425 - MC2611 NMLS ID 2611 (National Mortgage Licensing System, www.nmlsconsumeraccess.org) • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 *2013, 2014, 2016 data reported by The Warren Group, MarketShare Report of all residential loans up to $1,000,000,000. 2015 YTD data reported through CoreLogic Marketrac excluding brokered volume. **Credit valid for applications submitted after 10/25/2017 and prior to 12/31/2017. Coupon/Credit must be presented/mentioned at time of application. $500 credit will be factored into your interest rate and will be applied at time of closing. Borrower subject to credit approval. If loan does not close for any reason, costs will not be refunded. This offer and/or receipt of borrower’s application does not represent an approval for financing or interest rate guarantee. This coupon cannot be redeemed for cash/has no cash value. Restrictions may apply, contact Guaranteed Rate for current rates or more information.

14

Are You Ready To Buy Your Next Home or Refinance?

Choose a local mortgage lender.

Specializing in - Conventional, FHA, VA • Portfolio Jumbo Options • Condominiums • First-Time Buyer Primary Residence & Investment Properties (1-4 Units)

My commitment to my clients is to provide the best mortgage solutions to meet their home financing needs and goals. At First Choice Loan Services Inc., a Berkshire Bank Company, we use our in-house services, including processing, appraisal, underwriting, closing and funding, to keep our loans on-track. I am committed to providing the highest level of service and professionalism, and look forward to working with you on your home loan journey.

BARBARA KEIZER

Let First Choice Loan Services guide you on the exciting journey home!

SR. MORTGAGE LOAN ORIGINATOR - NMLS# 21470

781.844.8474 • barbara.keizer@fcloans.com www.fcloans.com/barbarakeizer 44 Trapelo Rd, Floors 2 & 3, Belmont, MA 02478

First Choice Loan Services Inc. (NMLS# 210764), a Berkshire Bank Company (NMLS# 506896), is located at One Tower Center, Floor #18, East Brunswick, NJ 08816. First Choice Loan Services Inc. is licensed, registered or exempt from state licensing in the states it originates mortgage loans. Licensed by the NJ Department of Banking and Insurance. AZ BK# 0918586. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. First Choice Loan Services Inc. is not an agency of the federal government and is not affiliated with your current lender. All loans are subject to credit approval. Programs, rates, terms and conditions are current, but are subject to change and may expire without notice. Other restrictions may apply. All applications must be submitted in writing.

This advertisement is not a loan disclosure and all disclosures provided after applying should be reviewed carefully. This is not a commitment to provide a loan approval or a specific interest rate. 12.18.2017

15

Are you looking to buy or refinance a home?

Look no further than Guaranteed Rate, the #1 Purchase Lender in Massachusetts.* Andrew Marquis and Guaranteed Rate offer extremely competitive rates, exceptional customer service and pre-approvals any time of the day or night!** When you finance with Andrew and Guaranteed Rate, you will receive a $1,000 Closing Cost Credit***!

Andrew Marquis Senior Loan Officer

Get started today C: (617) 763-0103 O: (781) 897-5213

Rate.com/andrewmarquis andrew@rate.com

1842-1844 Massachusetts Ave. 2nd Fl., Lexington, MA 02421

NMLS: 29861 LO Lic: MA - MLO29861 - MC2611, NH - NH29861 - 13931-MB • NMLS ID 2611 (Nationwide Mortgage Licensing System, www.nmlsconsumeraccess.org) • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB *2013, 2014, 2016, 2017 data reported by The Warren Group, MarketShare Report of all residential loans up to $1,000,000,000. 2017 YTD data reported through CoreLogic Marketrac excluding brokered volume. **Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. ***Credit valid through Andrew Marquis and Guaranteed Rate for applications submitted after 12/5/18 and prior to 12/5/19. Coupon/Credit must be presented/mention at time of application. $1,000 credit will be applied at time of closing and is factored into the rate and APR. Applicant subject to credit approval. If loan does not close for any reason, costs will not be refunded. This offer and/or receipt of application does not represent an approval for financing or interest rate guarantee. This coupon cannot be redeemed for cash/has no cash value. Restrictions may apply, contact Guaranteed Rate for current rates or more information.

17

16

17

Look to Leader Bank for all your home financing needs!

• HELOCs/Fixed Seconds

• Conventional Fixed Rate Mortgage

• JUMBO Fixed/ARM

• Adjustable Rate Mortgage (ARM)

• Construction • Purchases and Refinances

• Government Loans FHA, VA, MassHousing

• HomeReady

• First-Time Homebuyers

• One Mortgage

Call me today for a free, no obligation consultation!

James O’Malley Senior Loan Officer 781-910-6467 jomalley@leaderbank.com www.leaderbank.com/agent/jomalley 160 Gould Street, Suite 205 Needham, MA 02494

Lender NMLS# 449250

18

17

NMLS MLO# 613459

info@hshbuilds.com www.newroofboston.com

19

18

WE OFFER A TRULY CUSTOM APPROACH, WHERE WE TAKE THE TIME TO CAREFULLY ASSESS OUR CLIENT’S GOALS.

KITCHENS BATHROOMS PORCHES DECKS BASEMENTS SERVING METROWEST AND GREATER BOSTON AREA 781-800-0121 OFFICE@NEWENGLANDHOMERESTORATION.COM 19

Feeling Out Of Control?

Professional organizer, Dawn Link, provides organizing services for home, office and life. Resolutions offers a simple, customized 1-2-3 approach to organizing homes and office space that will allow you a smoother day at the office, time for a visit with friends and family, or reduction in your level of stress. We call our process Reduce, Restore, Rediscover.

Our clients call it a miracle. Call 781.279.4643 or email Dawn@ResolutionsOrganizing.com to schedule an appointment.

Dawn Link, Certified Professional Organizer (CPO)

781.279.4643 Dawn@ResolutionsOrganizing.com 20

Home. Auto. Business.

Since 1945.

Davison Insurance Agency, Inc. has been a family owned and operated Independent Insurance Agency from the very beginning. As an independent agent, we represent a number of insurance companies and sell the products that most appropriately meet the needs of our clients.

We are also a full service agency dedicated to delivering service excellence on a daily basis. Our staff has decades of experience and will provide you with the expertise you deserve. We always have, and always will, put our clients’ best interests and needs first; it’s the philosophy of an independent agent and the principal this agency was founded on. We love what we do and look forward to serving the families and businesses of Massachusetts for many generations to come.

One Park Ave Ext, Arlington MA 02474 781.646.6880 • davisoninsurance.com

“We’ve got you covered.”

21

22

Wackell

Insurance

“ �

Auto, Home, Business, Life Insurance

As good as the best and better then the rest.

78 Pleasant Street Suite 200, Worcester, MA 01609

Phones: 508.756.3312, 508.757.6160, 508.755.4341 Fax: 508.755.2492

richardwackell@gmail.com

24

23

AT TO R N E Y S AT L A W

Crowley & Cummings, LLC is one of the largest and most well-respected real estate law firms offering closing and title services.

Offices in Boston, Concord, Winchester, Dedham, Westborough and Cape Cod. David J. Ekelund, Jr., Esq. Crowley & Cummings, LLC 300 Baker Avenue, Suite 300 Concord, MA 01742 Phone: 781-583-8495 Fax: 781.251.0541 dekelund@crowleycummings.com

24

We Move Mountains for You BIG HILL MOVERS IS A RESIDENTIAL AND COMMERCIAL MOVING BUSINESS. WHETHER YOU'RE MOVING JUST DOWN THE STREET AND UP THE HILL OR ACROSS THE STATE, YOU CAN TRUST US TO HANDLE YOUR ENTIRE MOVE WITH THE UTMOST CARE FROM START TO FINISH. WE PRIDE OURSELVES ON TIMELINESS AND THE CONVENIENCE AND RELIABILITY WE PROVIDE FOR LOCAL OR LONG DISTANCE MOVES.

9B WORCESTER AVE HUDSON, MA 01749 617.682.0123 BIGHILLMOVERSMA.COM

25

“Wow, moving is fun!”

Said nobody…ever.

It’s true, moving isn’t fun. But Home Team Moving will make your move efficient and affordable. That’s why more than 50% of our moves are for repeat customers and their friends and family they personally refer to us.

Efficient and affordable moves.

617-949-1880 HomeTeamMoving.com 26

PROUDLY SUPPORTS THE TOM AND JOANNE TEAM Our Capabilities …

• Storage • Hoisting • Crating

• Professional Packing • Pianos • Antiques and Fine Art

27

REFRESH, RENEW, REPAINT! Move your next painting project off your to-do list during this lower-humidity season.

At CertaPro Painters® of Lexington/Concord, we apply the finest quality paints with either zero or low VOCs, so there is very little or no odor during application. Your paint job will dry faster and more evenly in winter’s less humid conditions.

Contact us today to schedule your FREE estimate!

$200 OFF

YOUR NEXT PAINTING PROJECT OF $2,000 OR MORE* *Offer applied to any painting project of $2,000 or more. Must be presented at time of estimate. Cannot be combined with any other offers. Available at CertaPro Painters® of Lexington/Concord, MA. Not valid on current estimates or proposals.

Expires 12/31/19.

978-206-2220 lexington-concord-ma.certapro.com PAINT NOW PAY LATER Each CertaPro Painters® business is independently owned and operated.

28

PAINTING SERVICES

HOUSE PAINTING RESIDENTIAL INTERIOR RESIDENTIAL EXTERIOR COMMERCIAL PAINTING WALLPAPER REMOVAL CABINET REFINISHING DECKS & FENCES PRESSURE WASHING GUTTER CLEANING

FREE QUOTE

800-905-1993

EXTERIOR PAINTING

INTERIOR PAINTING

CABINET PAINTING

VISIT US AT 7 Erie Drive Natick, Massachusetts 01760

www.TLCpaint.com / Office@TLCpaint.com

29

facebook.com/TLCPainting twitter.com/TLCpaintinc

Thank You To Our Sponsors For the professionals who are featured in this publication, we want to thank you for supporting our business over the past 14 years! Your high quality of service is always an easy referral that results in great feedback from our clients. As participants, we are excited to help deliver new relationships to the people who have entrusted us with their real estate investments. Creating Clients for Life!

info@TomandJoanneTeam.com 781.795.0502 TomandJoanneTeam.com 31

30

556 Tremont Street Boston, MA 02118