Robin Spangenberg
Northeast Signature Properties, LLC | 508-277-4144 | [email protected]


Posted by Robin Spangenberg on 9/20/2018


4 Bayberry Circle, Millis, MA 02054

Condo

$254,900
Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Spectacular townhouse with open floor plan in an attractive location at Quail Hill Condominiums with recent landscaping improvements throughout community! Townhouse style layout, the first floor features a Dining Room w/new lighting fixture open to sunny Living Room with slider to balcony for morning coffee. Updated Kitchen features granite counter tops, maple cabinetry and new gas range. Convenient 1/2 bath and large closet off Foyer. Upstairs are the Master bedroom and spacious Guest bedroom, plus full bath with tub/shower, hall linen closet. All appliances and washer/dryer convey! Well maintained complex, offering association playground and in-ground swimming pool! Close proximity to all major routes, shopping, conservation land, and parks. Unfinished, walkout basement for potential expansion. Millis exceptional school system with language immersion!
Open House
Sunday
September 23 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 4 Bayberry Circle, Millis, MA 02054    Get Directions






Tags: Real estate   Open House   Condo   02054   Millis  
Categories: Open House  


Posted by Robin Spangenberg on 9/17/2018


93 Curve Street, Millis, MA 02054

Rental

$1,500
Price

4
Rooms
1
Beds
1
Baths
Cute 1 bedroom, 1 bath Bungalow style home with large yard and 1 car detached garage. Tons of storage space, laundry hook-ups in basement. Landlord installing low flow water fixtures. $1,500/month rent + utilities. References, 1st, last & security deposit required. October 1st occupancy preferred.
Open House
Thursday
September 20 at 4:00 PM to 5:00 PM
Cannot make the Open Houses?
Location: 93 Curve Street, Millis, MA 02054    Get Directions

Similar Properties





Tags: Real estate   Open House   Rental   02054   Millis  
Categories: Open House  


Posted by Robin Spangenberg on 9/16/2018

Buying a home is one of the biggest financial milestones youíll reach in your life. If youíre a first-time homebuyer, it can be scary to take the plunge and make a down payment on your first home.

Down payments are one element that makes up the factors which determine your monthly mortgage payments, and in turn, how much youíll be paying toward your home in total. So, itís important to understand just how much to save for a down payment.

In this article, weíll talk about down payments, why they matter, and your options for saving up for a down payment.

Why down payments matter

A down payment is simply the amount of money a buyer pays at the time of closing on the house. Down payments help assure lenders that you will make your monthly mortgage payments because you have invested a substantial amount of money into the house and therefore risk losing your down payment if you fail to pay the mortgage and your house is foreclosed on.

If youíre eager to buy your first home, you may want to make the smallest down payment possible so you can move in sooner. However, a smaller down payment typically means a larger monthly mortgage payment. Thatís because your mortgage payment depends on several factors.

When a lender determines how much they will lend you towards your home and how much your monthly mortgage payments will be, their formula takes into account your down payment, your credit score, and the value of the property. The higher your credit score and the higher your down payment is, the less your monthly payments will be.

Mortgage types and down payments

Many first time home buyers cannot afford large down payments on their first home (20% or more). As a result, there are loan types insured by the Federal Housing Administration that are offered for as low as 3.5% of the mortgage amount.

If you arenít approved for an FHA loan but plan on making a down payment of less than 20%, you can still buy a home with private mortgage insurance (PMI). With PMI you pay a monthly premium for your insurance in addition to your monthly mortgage payments.

How long and how much to save

So, how much should you save? The short answer is as much as possible. However, if you need to move soon because of life circumstances, it isnít always an option to hold off on moving for long periods of time.

If youíre currently renting each month at high prices, it might make more sense to put that money towards your first home, an asset which will likely increase in value, rather than spend it on rent which you get no return on.  

One of the best ways to save for a down payment is to set up a new cash savings account that will automatically deposit a portion of your paycheck each week. Having an off-limits account is a great way to save without the temptation of spending it on luxuries if the money would normally be sitting in your checking account.

Another option is to start investing. If youíre in no rush to buy a home and have the financial resources, investing pays off much more than a savings account does when it comes to increasing assets.

Regardless of how you choose to save, the most important takeaway is that you take action now to start saving and you donít deviate from your savings plan for any reason.




Categories: Uncategorized  


Posted by Robin Spangenberg on 9/11/2018

Cute 1 bedroom, 1 bath Bungalow style home with large yard and 1 car detached garage. Tons of storage space, laundry hook-ups in basement. Landlord installing low flow water fixtures. $1,500/month rent + utilities. References, 1st, last & security deposit required. October 1st occupancy preferred.

More Info on this Property | New Listing Alerts




Categories: Uncategorized  


Posted by Robin Spangenberg on 9/10/2018


4 Bayberry Circle, Millis, MA 02054

Condo

$254,900
Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Spectacular townhouse with open floor plan in an attractive location at Quail Hill Condominiums with recent landscaping improvements throughout community! Townhouse style layout, the first floor features a Dining Room w/new lighting fixture open to sunny Living Room with slider to balcony for morning coffee. Updated Kitchen features granite counter tops, maple cabinetry and new gas range. Convenient 1/2 bath and large closet off Foyer. Upstairs are the Master bedroom and spacious Guest bedroom, plus full bath with tub/shower, hall linen closet. All appliances and washer/dryer convey! Well maintained complex, offering association playground and in-ground swimming pool! Close proximity to all major routes, shopping, conservation land, and parks. Unfinished, walkout basement for potential expansion. Millis exceptional school system with language immersion!
Open House
No scheduled Open Houses

Similar Properties





Tags: Real estate   Condo   02054   Millis  
Categories: Price Change