Hope Real Estate Group, Inc



Posted by Hope Real Estate Group, Inc on 5/22/2019

Preparing your home is one of the most important things you can do before leaving for an extended period of time.

Whether you have a vacation home that you spend your summer months in, you travel for work, or you simply have a second property that will be unoccupied for an extended period of time, itís vital to take the steps to preparing the home for the elements while you are gone.

In this article, weíll talk about winterizing, preparing a home for heavy rains, and protecting it from a number of external forces. That way you can rest assured that your property will be safe while youíre away, saving you money in costly repairs.

Winterizing

Many Americans spend the winter months in a warmer climate. Similarly, it has become quite common to purchase vacation homes and cabins in the northern part of the country to visit during the summer months. Regardless, these homes will have to be winterized to avoid damage.

First, and most important, be sure to turn off the water at the main supply sources. Next, open up your faucets and drain all of the lines that carry water throughout your home and yard. Drain, and put away your garden hose, to protect it and your fittings from damage.

Now that youíre protected against water damage, youíll want to protect against potential fires. Turn off and unplug all appliances. Not only is this a way to avoid fire, but it will also help you avoid needlessly spending on electricity.

Itís a good idea to turn your thermostat down so that your home is kept above freezing, but not at a needlessly high temperature.

Preparing a home for extended leave

Even if your home isnít facing the winter cold, there are still measures that should be taken during an extended leave.

Cleaning your refrigerator out completely and then washing the interior will help avoid odors from spreading throughout the house.

Other odors can arise from the drains in your home, especially if itís likely to get hot. To prevent this you can cover up your drains with painterís tape.

Youíll also want to remove any food from your cabinets that could attract mice, ants, or other pests. While youíre cleaning, wash and put away any linens that you wonít be using for some time.

Be sure arrangements have been made at the post office for any mail you receive at your home. You could set up mail forwarding, have neighbors take in your mail, or purchase a PO box for the time youíre away. Regardless, itís a good idea to not have mail piling up outside an empty home as it could attract the attention of those seeking to benefit from your house being vacant.

Before leaving, make sure all windows and doors are closed and locked. Remove any spare keys from obvious locations around your home, and make arrangements for someone, such as a neighbor, to check on the home and report any problems to you.




Categories: Uncategorized  


Posted by Hope Real Estate Group, Inc on 5/15/2019

Applying for a mortgage is a big step towards homeownership and financial independence. If itís your first time buying a home, you might be curious (and a little intimidated) about all of the things that go into your mortgage application.

When reviewing your application, mortgage lenders are trying to determine how risky it is to lend you money. If all goes well, and they determine that lending to you would be a worthy investment, youíll get approved for a mortgage.

There are three main things that lenders will use when weighing your application (however, there are other factors as well).

First, theyíll run a detailed credit report. This will tell them how much other debt you have, what kind of accounts you have open, how long youíve had this debt, and how responsible you are when it comes to making your monthly payments in time.

Second, theyíll consider how much money youíll be using toward a down payment. A larger down payment alleviates some of the risk associated with lending to you. Therefore, people with little or no down payment saved can have a difficult time getting approved for a mortgage. And, if they do get approved, theyíll have to pay monthly private mortgage insurance on top of their regular mortgage payments.

Finally, the third main consideration will be your current income. Lenders will look at your previous two years of income (including tax returns) and will seek out current income verification from your employer.

The latter is a key part of getting approved, as lenders will want to ensure that you are in a stable financial situation and will be able to immediately start making mortgage payments.

Todayís post will center around income verification and how mortgage lenders will use your income to determine your borrowing eligibility.

How Do I Verify My Employment?

If youíre employed with a company, most lenders will reach out to your employer directly to verify your employment. Youíll be asked to sign a form that authorizes your employer to share these details with the lender, and then your part of the job is done and you can move on to the next step of your application.

Things get trickier when youíre a freelancer, are self-employed, or work with several clients as a contract worker. In these situations, lenders will typically require you to file a Form 4506-T with the IRS. This form allows your lender to obtain your tax returns directly from the IRS.

Can I submit additional information to verify my income?

There are some situations where providing additional income information can bolster your case in terms of getting approved for a mortgage.

If you own a business, your lender of choice may ask for a profit and loss statement. If youíre an independent contractor or freelancer, your clients who have paid you at least $600 or services or $10 in royalties will be required to send you a Form 1099-MISC.

If you have mixed income, such as a full-time job with freelance work on the side, showing these 1099-MISC forms can help increase your income on paper so that lenders will approve you or a higher mortgage amount or lower interest rate.




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Posted by Hope Real Estate Group, Inc on 5/14/2019


6 Boyden Street Ext, Webster, MA 01570

Single-Family

$164,900
Price

7
Rooms
3
Beds
1/1
Full/Half Baths
~*~*BUYERS &/OR INVESTORS TAKE NOTICE! ~*~* A SHORT SALE OFFERING - LENDER APPROVAL REQUIRED ~*~* A FANTASTIC OPPORTUNITY TO OWN AN AFFORDABLE, SINGLE FAMILY, 3 BR, 1.5 Bath, SPLIT LEVEL STYLE HOME! Municipal Water & Sewer - Title V not necessary! Buyer is responsible for all inspections necessary (at Buyer's expense) to complete sale. Buyer to acquire Certificate of Compliance for Smoke/CO2 alarms upon mortgage approval and prior to transfer. PROPERTY BEING SOLD AS IS. SHOWINGS START ON TUESDAY 2/19/19. DO NOT TRESPASS ON THE PROPERTY - ALL PERSONS MUST BE ACCOMPANIED BY A MA LICENSED REAL ESTATE AGENT >> PROPERTY SOLD AS IS! SUBSTANTIAL SETTLING HAS OCCURRED TO LEFT SIDE FOUNDATION & STRUCTURE! SELLER/BROKER MAKE NO WARRANTIES OR REPRESENTATIONS, BUYER DILIGENCE REQ'D. SELLER CANNOT DO REPAIRS/UPGRADES. BUYER TO ACQUIRE CERT. OF COMPLIANCE FOR SMK/CO2s.
Open House
No scheduled Open Houses

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Categories: Price Change  


Posted by Hope Real Estate Group, Inc on 5/10/2019


12 Ernest St, Webster, MA 01570

Single-Family

$299,900
Price

10
Rooms
3
Beds
2/2
Full/Half Baths
Improved Price! Motivated Seller! Welcome Home to this Huge, Sprawling, Custom Built, Very Attractive, Ranch Style Home! 2,848 SF+/- of Living Area on One Level! Meander on up the curved brick walkway and open the door to a very unique & private property! Located on a half circle in a quaint, near the lake neighborhood on the southern edge of Webster at the Thompson CT line. Offers a half acre+/- level lot with additional fenced land available. The grounds are delightful, offering a very private back yard with an in-ground pool, built-in hot tub, a poolside cabana w/kitchen & full bath, custom stonework & landscape features like a built-in bench seat w/fire pit, a lovely waterfall feature, gazebo, fenced & gated driveway, a huge carport/pavilion for entertaining, covered porches and more! The interior is incredible w/separate wings for private family living & entertainment, separate BR suites, and a longtime, established hair salon.
Open House
No scheduled Open Houses

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Categories: Price Change  


Posted by Hope Real Estate Group, Inc on 5/9/2019

This Single-Family in Webster, MA recently sold for $213,000. This Ranch style home was sold by - Hope Real Estate Group, Inc.


44 Brodeur Ave, Webster, MA 01570

Single-Family

$204,900
Price
$213,000
Sale Price

6
Rooms
3
Beds
1
Baths
Ready to down size? First time buyer? This well built 3 bedroom ranch is for you . Hardwoods through out , 2016 boiler ,new oil tank. 2004 siding, windows and roof . Electric updated . Town water and sewer, Kitchen and bath need some updating ,huge basement ready to be finished, detached garage . Pretty yard in awesome area ,close to shopping and highway access .

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Categories: Sold Homes  




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