Real Estate and *stuff *
A real person helping real people with real estate
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Starter home for sale in Shrewsbury!
June 20, 2016
If you are looking for a great starter home or condo alternative in a wonderful community, then we are here for you! 20 Bay View Road is situated back from the road offering a huge front yard for both privacy and fun! The updated main level has a full bedroom, bathroom, galley kitchen and large living room overlooking the side yard with bay windows. This is a flexible floor plan that can be a combined living / dining or open concept and optional first floor master bedroom! Completely renovated lower level includes heated floors, fireplace and half bath for the current master suite. Sought after location with neighborhood park and desirable commuter location with easy access to shopping and Mass Pike, Routes 20, 9, 122 and 146. Large back yard with lofted garage provides additional storage space for future expansion possibilities! Now just $224,999!
Commercial land for sale in Millville!
June 20, 2016
This is an amazing commercial property opportunity located at 83A Central Street in Millville. Listed at just $499,999, this land spans across 4 acres and is located near routes 122 and 146, also near the Rhode Island border. Located in a great neighborhood and is available to be part of the sale of the antique colonial house that borders this land. Call us today!
Back on the market in Holden due to buyer financing falling through!
June 13, 2016
THIS is TRULY an opportunity! Back on market due to buyer financing fall out. Priced well below assessed value! Legal two family on 3.7 acres with 3 barns in a great location on Salisbury Street in Holden. Would make an amazing restoration project back to a single family! Original wide pine flooring and high ceilings. Additional loft area and deck to the side yard. This is a huge beautiful house that started life in 1850 and is now ready for the next chapter with someone who can roll up their sleeves and do some hard work to the 4288 sq feet of living space. Keep it a two family and enjoy rental income or turn it back into a single family and enjoy the grandeur of days gone by. Now listed at $237,500! NO ACCESS TO PROPERTY. PROPERTY CONVEYS WITH EXISTING TENANTS. TITLE V WILL NOT BE DONE. DOES NEED WORK! Cash buyers only! HURRY HURRY HURRY!!!!! NOTE – DO NOT WALK THE PROPERTY.
Additional price drop on 20 Bay View Road in Shrewsbury!
June 13, 2016
If you are looking for a great starter home or condo alternative in a wonderful community, then we are here for you! 20 Bay View Road is situated back from the road offering a huge front yard for both privacy and fun! The updated main level has a full bedroom, bathroom, galley kitchen and large living room overlooking the side yard with bay windows. This is a flexible floor plan that can be a combined living / dining or open concept and optional first floor master bedroom! Completely renovated lower level includes heated floors, fireplace and half bath for the current master suite. Sought after location with neighborhood park and desirable commuter location with easy access to shopping and Mass Pike, Routes 20, 9, 122 and 146. Large back yard with lofted garage provides additional storage space for future expansion possibilities! Now just $224,999!
Commercial land price adjustment in Millville!
June 13, 2016
This is an amazing commercial property opportunity located at 83A Central Street in Millville. Listed at just $499,999, this land spans across 4 acres and is located near routes 122 and 146, also near the Rhode Island border. Located in a great neighborhood and is available to be part of the sale of the antique colonial house that borders this land. Call us today!
“Whose initials are PMI and why do I have to deal with them for a house?”
June 11, 2016
By: Ari Taylor
Frank W. from Boston asks: “Whose initials are PMI and why do I have to deal with them for a house?”
What is PMI? It stands for Private Mortgage Insurance. Simply put, PMI is an insurance policy on your loan. You pay the premium, typically in monthly installments, which are added to your mortgage. With this, the lender is covered if you default on your mortgage.
Why does PMI happen? We have always heard that you need 20% down to get a loan. In a perfect world, 20% down is the best way to go. BUT, it’s not always feasible. Say you live in an area with a median home sale price of $400k, 20% of that price is $80k! How do you save that much when you are paying $2k every month in rent (for tips on saving money to buy a home go here: “Add It Up!”).
A more reasonable goal is to save 3.5-5% (somewhere between $14,000 an $20,000). PMI is applied to 20% of the value of the home.
According to bankrate.com, “Private mortgage insurance fees vary, depending on the size of the down payment and your credit score, from around 0.3 percent to about 1.5 percent of the original loan amount per year. Some years, PMI premiums are tax-deductible and some years they are not. It depends upon the whim of Congress.”
(to read full article from bankrate.com, click here: “The Basics of PMI”)
PMI is charged on the outstanding loan balance, so if you buy a $400k house and put $20k down, you are paying PMI on $380k. Once your loan hits 80% ($320K), you are able to call and cancel your PMI. When your loan has reached 78% of the value ($412K), the lender must cancel PMI.
Call today for assistance finding a lender who can help!
Youth Revisited!
June 9, 2016
What Childhood Board Games Have Taught Us About Real Estate!
By: Ari Taylor
Remember playing candy land? How about Monopoly? Battleship? Believe it or not, those games actually prepared us for life much better than we could have ever imagined! Buying property is a game, and how you play that game makes all the difference!
We were all taught to play fair, to be honest and no cheating! These basic rules hold true with real estate today. Here are some other rules that play strongly into purchasing property:
CANDYLAND — Pick a card, move 2 red spaces. Whoops! You’re stuck in the Molasses Swamp! There are always sticky situations that will arise, but working with the right real estate team can help move you right through them.
(You sunk my) BATTLESHIP — A game of strategy in which you have to read the expressions on your opponent’s face in order to guess where he placed his ship. Knowing the present market, your area overall and having your end goal in sight at all times, you will be better able to read the situation and make the best possible offer.
MONOPOLY — It seems like this one really speaks for itself. You are making deals to buy the right property. There are a few big lessons here, though. First: Don’t spend all of your money at once and make certain that you buy within your means! Sure, it sounds fantastic to own Park Place and Boardwalk, but can you afford to develop on those properties? How often do other players pay rent on those spaces? Simply thinking about a purchase from all angles will help you make the right decisions (and not send you directly to jail).
CLUE — It was Miss Scarlet in the dining room with the candlestick! Ask questions and look at the facts before you get ready to make an offer (or an accusation)!
CRANIUM — Build a team that is good in several areas and rely on their expertise to win! Cranium challenges you to use your whole brain. Purchasing property challenges you to use your whole team consisting of a realtor, an attorney, a lender, and an inspector. If you are all on the same page, there is no way you can lose!
Start planning your game night now!
Additional price drop in Shrewsbury!
June 6, 2016
If you are looking for a great starter home or condo alternative in a wonderful community, then we are here for you! 20 Bay View Road is situated back from the road offering a huge front yard for both privacy and fun! The updated main level has a full bedroom, bathroom, galley kitchen and large living room overlooking the side yard with bay windows. This is a flexible floor plan that can be a combined living / dining or open concept and optional first floor master bedroom! Completely renovated lower level includes heated floors, fireplace and half bath for the current master suite. Sought after location with neighborhood park and desirable commuter location with easy access to shopping and Mass Pike, Routes 20, 9, 122 and 146. Large back yard with lofted garage provides additional storage space for future expansion possibilities! Now just $224,999!
Commercial land price reduction in Millville!
June 6, 2016
This is an amazing commercial property opportunity located at 83A Central Street in Millville. Listed at just $499,999, this land spans across 4 acres and is located near routes 122 and 146, also near the Rhode Island border. Located in a great neighborhood and is available to be part of the sale of the antique colonial house that borders this land. Call us today!
Open houses today and tomorrow in Marlborough!
June 4, 2016
Houses like this don’t come on the market often! Completely renovated contemporary 5 bedroom 3 bath home on a secluded wooded lot in a premier cul-de-sac location in Marlborough! Open concept main living area with real solid hard wood floors and transitional kitchen with custom cabinets; smudge proof stainless steel appliances and granite counters with offsetting island. Bright and airy with vaulted ceilings and with double slider doors to the deck and expansive wooded back yard. Full master suite with a vaulted ceiling and skylights, brand new bathroom and walk in closet. Main level bath complete with ceramic tile floor and double vanity to accommodate a growing family. Lower level family room with fireplace and full bath allows for flexible living arrangements with in-laws, teenagers or an au pair. With over 2200 sq feet of top quality living space this is a house to make a home! 2 car garage, gas heat, central a/c and location location location! Near shopping (Soloman Pond Mall), restaurants, movies, sports complex and major commuting routes but nestled in a quiet cul-de-sac location with sidewalks. Voted a ?2016 Game Changer? in the Boston Globe Marlborough enjoys easy highway access and has a top rated (#3 in the country according to US News) AMSA school. Open houses on Saturday (Today) 6/4 12pm-2pm and Sunday 6/5 12pm-2pm!
Real Estate and *stuff * 