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Posted by Heidi Mahoney on 2/22/2018


22 Mount Vernon, Haverhill, MA 01830

Zip 01830

Condo

$149,990
Price

4
Rooms
2
Beds
1
Baths
Great Value in a crazy market! This is not a cookie cutter condo! Unique garden - style condo on the top floor featuring 2 bedrooms with a newly remodeled bathroom. Skylights provide lots of natural light and there is a large eat-in kitchen with new wood /laminate flooring. All appliances, including a washer/dryer, are included. There is storage available in the basement. This is an owner-managed 4 unit building with 2 deeded off-street parking spaces. Bring your pets! Close to all area amenities, downtown shops, and restaurants, the train, the Merrimack River, Winnekenni Park, Rts. 495, 97, and 125.
Open House
Sunday
February 25 at 11:30 AM to 1:00 PM
Cannot make the Open Houses?
Location: 22 Mount Vernon, Haverhill, MA 01830    Get Directions

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Tags: Haverhill   Real Estate   01830   Condo   Open House  
Categories: Open House  


Posted by Heidi Mahoney on 2/22/2018


22 Mount Vernon, Haverhill, MA 01830

Zip 01830

Condo

$149,990
Price

4
Rooms
2
Beds
1
Baths
Great Value in a crazy market! This is not a cookie cutter condo! Unique garden - style condo on the top floor featuring 2 bedrooms with a newly remodeled bathroom. Skylights provide lots of natural light and there is a large eat-in kitchen with new wood /laminate flooring. All appliances, including a washer/dryer, are included. There is storage available in the basement. This is an owner-managed 4 unit building with 2 deeded off-street parking spaces. Bring your pets! Close to all area amenities, downtown shops, and restaurants, the train, the Merrimack River, Winnekenni Park, Rts. 495, 97, and 125.
Open House
No scheduled Open Houses

Similar Properties





Tags: Haverhill   Real Estate   01830   Condo  
Categories: New Homes  


Posted by Heidi Mahoney on 2/19/2018

Aside from your realtor, your lender will be one of the people that you work the most closely with when youíre buying a home. Before you even sign on with a lender, thereís a few questions that you should ask. Donít feel pressure from a certain lender before you understand what their areas of expertise are. You donít want to end up with homebuyerís remorse because you didnít do the right research before you signed the deal on a home.   


Can You Tell Me About Programs For First Time Homebuyers? 


There are so many great programs for first-time homebuyers. If the lender you choose canít help you with these programs, maybe this isnít the right lender for you. If your lender lacks knowledge in the areas that you need, you probably want to shop around.


How Can You Help Me Qualify For The Loan I Need?


Many times, loans have very specific qualifications that you need to meet. Even if you think you might not meet those requirements due to things like a low amount of down payment or a job change, your lender can often help you to find the details in your situation to help you qualify for a loan. For example, you may have recently changed jobs, but if you have stayed in the same field, your lender can help you to explain these circumstances so that you can still qualify for the loan. 


Are There Downpayment Assistance Programs Available?


There are also many programs and loan types available to help buyers get a home with less than a 20% downpayment. Some loans offer good interest rates with less than a 20% downpayment. There are also many grants and downpayment assistance plans available. Itís important to ask questions to know the right information for your loan circumstances.


What Fees Do You Charge?


Some lenders do charge an array of fees. You donít want to sign on with a lender and then close on the loan, only to find out that youíre knee-deep in fees in addition to all of the closing costs that you have to pay along with the home purchase. 


How Will You Communicate With Me


Just like your Realtor, itís important that your lender communicates with you in a timely manner. Buying a home requires that documents and offers are in on time to secure your home. Donít let anything fall through the cracks by hiring people on your home search that may lapse in their communication with important information.




Tags: loans   mortgage lenders  
Categories: Uncategorized  


Posted by Heidi Mahoney on 2/12/2018

When it comes to finding a place for you and your family to live, there have never been more options available than today. Banks and property owners have made living arrangements available and accessible to people of any lifestyle; whether you plan on staying in a home for just six months, or for the rest of your life.

It isnít always easy, though, to determine which option is best for you. In this article, weíll break down the financial and lifestyle characteristics of the four most common living situations: condominiums, townhouses, apartments, or owning your own home.

Condo living

Condominiums are a type of community living. But, theyíre more than just an apartment that you own. Most condos are attached; meaning theyíre not separated by yards and driveways. Some, however, are detached. One thing that is true for all condos, however, are the common areas throughout the development. This can include things like a park, yards, gyms, pools, or lounges and cafes. The best part about those amenities? You donít have to worry about their upkeep.

So, since you own the condo, who pays for the common areas? Odds are, youíll be paying a monthly fee or a homeowners association fee to upkeep the amenities your condo came with. Expect higher fees for better amenities and prime real estate location.

What about maintenance? Since you own the condo, youíre responsible for much of the interior maintenance, such as appliances. However, outdoor issues like roofing or siding are usually the responsibility of the homeowners association or property manager.

Condos are ideal for people who are somewhat committed to an area, and who want independence over their home without having to take care of all the landscaping.

Townhouses

Townhouses are in many ways the opposite of condos. They are often rented but they look like single family homes, complete with a driveway and front yard. There are also typically homeowners association fees for townhouses, but they can be significantly less since there are fewer amenities in a townhouse living environment.

Depending on your long-term plans, you can either rent or buy townhouses. Renting is usually a better choice for inhabitants who donít plan on staying in the residence for more than a couple of years.

Homeownership

If what you truly seek in a home is independence and privacy then traditional homeownership might be the best option for you. If you own a home outright and donít have to answer to a homeowners association, you get to choose what you do with your yard. There are of course, some limits to this, like getting additions approved by zoning boards, or trampolines signed off by your insurance company.

Financially, homes can be a good asset. They typically increase in value and allow you to build equity. You might also find them more financially dependable; rents can increase year after year, but your monthly mortgage payments typically wonít unless you choose to refinance.

Ultimately, buying a home is going to benefit you more the longer you stay there. So, if you plan on moving for work in the next few years, you might be better off renting.





Posted by Heidi Mahoney on 2/5/2018

As a first time home buyer, you may feel like a fish out of water when it comes to the process of getting a home. If youíre ready to buy your first home, thereís some key mistakes that you should avoid. 


You Think That You Donít Need Help From A Professional


So many homebuyers think that they can save themselves a few dollars by avoiding working with a realtor. This is a big mistake. Realtors are a valuable resource for buyers and will help you throughout the process of purchasing a home. Realtors can help guide buyers step-by-step while providing assistance with things like negotiations and making sure all of the paperwork gets from point A to point B. Youíll also need other professionals involved in this process of home buying including lawyers and loan officers. Having these people on your team protects you and gives you a backing of knowledge that you wouldnít otherwise have. 


Donít Skip Pre-Approval


Getting pre-approved for a mortgage is key before you even start to search for a house. The pre-approval letter is a great resource in helping you land the home of your dreams. If youíre going up against other bids on a home, your bid will be seen as more serious if you have been pre-approved. Getting a pre-approval lets sellers know that youíre serious about the whole process of buying a home and are ready to make the financial commitment. 


Know The Costs Associated With Buying A Home


Just because you have the monthly income to pay a mortgage doesn't mean youíre financially ready to buy a home. Thereís a few things that need to be in place before you can even commit to buying a home. First, youíll need to make sure your credit score is up to par. Next, youíll need to have enough saved up for a down payment. Without a down payment of at east 20% of the purchase price of a home, youíll need to pay for private mortgage insurance (PMI). Thereís plenty of other costs that youíll need cash on hand for when it comes to buying a home. This includes home insurance, home inspections, closing costs, property taxes, HOA fees, and maintenance. In other words, there needs to be some wiggle room in your budget for all of the extra costs that go into closing on a home and maintaining a home. 



Donít Completely Deplete Your Savings


Just because you have been saving up for years to buy a home, doesnít mean you need to completely deplete your savings in one pass. If you lack an emergency fund, youíre not buying a home with a responsible financial cushion. While youíll probably take out a good chunk of savings in order to purchase the home, you need a bit more. Experts say that you need about 3-6 months of expenses saved up in case of the event of illness, job loss, or other emergency. Hence the name ďemergency fund.Ē







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