Kathy Craig - ERA Key Realty Services



102 North Ave, Mendon, MA 01756

Single-Family

$1,200,000
Price

11
Rooms
4
Beds
3/2
Full/Half Baths
This country estate offers a distinguished home with private setting on over 39 acres of land, beautifully landscaped with a style all its own.Once you enter the two story foyer,the story begins.Living and dining rooms have lots of natural light from the floor to ceiling windows.The kitchen is well thought out,with an island,tons of cabinets and a huge pantry. Enjoy entertaining and gatherings in the expansive family room with a stone fireplace.Home office and first floor laundry. But wait till you see the spacious first floor master suite with a master bath and double walk in closets.The three bedrooms on the second floor are all generous in size with lots of closet space .Two full baths. and additional storage rooms,too. Enjoy relaxing in your comfortable sun room and step out on the new expansive deck for a view of your amazing patio and backyard.Brand new roof, two car oversized garage and brick exterior.This is your chance to move to your own oasis and live the good life!
Open House
No scheduled Open Houses

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To maximize the value of your house, you may need to perform a wide range of home improvements. Fortunately, there are many quick, easy ways to ensure you won't have to break your budget to upgrade your residence before you add it to the real estate market.

Now, let's take a look at three tips to help you save money on home improvements.

1. Receive Multiple Quotes from Professionals

When it comes to performing comprehensive home repairs, it generally is a good idea to err on the side of caution by hiring professional contractors. However, hiring professionals to complete home improvement projects may put a major dent in your day-to-day finances.

If you request multiple quotes for home improvement projects, you can shop around for the best price. Plus, you may be able to negotiate the price from a professional if you have various competitor quotes at your disposal.

2. Consider Do-It-Yourself Projects

In many instances, a home may not require a full overhaul. Conversely, you may only need to perform a series of minor upgrades to ensure your residence is show-ready.

When possible, it may be beneficial to try to perform home improvement projects on your own. If you complete simple tasks like removing clutter from your home's basement or mowing your front lawn, you can simultaneously enhance your residence and avoid the costs associated with hiring professionals.

If you're unsure about how to perform certain home repairs, there is no need to leave anything to chance. In these scenarios, reach out to professionals for expert support, and you can minimize the risks associated with trying to complete these tasks on your own.

3. Consult with a Real Estate Agent

Finding the best ways to cut costs on home improvements can be tricky. Luckily, real estate agents are available who can help you get your house ready for the real estate market, even if you're dealing with a tight home improvement budget.

Typically, a real estate agent will be able to assess your house and help you establish home improvement priorities. This housing market professional then can put you in touch with the top home improvement professionals in your area, as well as provide tips to ensure you can quickly upgrade your residence on your own.

A real estate agent also will serve as your expert guide throughout the home selling journey. He or she will help you list your residence and promote it to dozens of potential buyers. Plus, a real estate agent will host home showings and open house events that enable buyers to get an up-close look at your residence. And if you receive offers on your house, a real estate agent will help you review these proposals and make an informed decision.

There is no reason to overspend to upgrade your residence. Thanks to the aforementioned tips, you can save money on home repairs and prep your house for the real estate market faster than ever before.



651 Hill St, Northbridge, MA 01588

Single-Family

$484,900
Price

7
Rooms
4
Beds
2/1
Full/Half Baths
Welcome to 651 Hill St.! This beautiful colonial with a welcoming farmers porch is move in ready and waiting just for you. As soon as you walk in you will enjoy the open concept! Fireplace with built in bookcases,hardwood floors,detailed mouldings in dining room and family room.Kitchen with stainless steel appliances,tiled back splash,wall oven,pantry and great size island Second floor has three great size bedrooms with lots of closet space and a master suite that is spacious with walk in closet and master bath. The basement has a perfect finished room for an office, exercise area or play room.There is lots of storage too.The backyard offers privacy,space for entertaining & relaxation.Economical gas heat,central air and over sized two car garage will check all the boxes for you.Great highway access. Get ready to make your move!
Open House
No scheduled Open Houses

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2094 Quaker St, Northbridge, MA 01534

Single-Family

$629,900
Price

6
Rooms
4
Beds
3
Baths
This amazingly unique home may be the one for you if you need additional living space. It has two separate floors of living space with all updated features that are easily accessible for any family member. Beautiful hardwoods, open floor plans with updated kitchens and bathrooms. Ample closet space everywhere. Downstairs is great for one level comfortable living with lots of natural light.Sliders to the custom built stone patio. Perfect for morning coffee, just relaxing or entertaining with lots of space.There is a huge room above the garage with a separate entrance that gives you an additional 564 square feet. Possibilities are endless. You have to see this home to appreciate all it has to offer.
Open House
No scheduled Open Houses

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Photo by Vlada Karpovich from Pexels

While your credit score will play a role what your mortgage interest rate will be, there are also various types of loans that can increase or lower your monthly mortgage payment. In general, there are two specific loan types, adjustable rate loans, known as an ARM and fixed rate. However, within these two categories, there are various options you should be aware of before shopping for a mortgage.

Fixed Rate Loans

The fixed rate loan is exactly what it sounds like. This means your interest rate will remain stable throughout the life of your loan. Keep in mind, this does not mean your payment will remain the same — if your property taxes or insurance premiums increase and are part of your mortgage payment, the monthly payment will increase.

There are four categories of fixed rate loans that are available to borrowers. The shorter the term of the loan, the lower the interest rate. However, the shorter the term of the loan, the higher your monthly payment will be. The four categories are 10 years, 15 years, 20 years, and the most popular, the 30-year fixed rate mortgage.

Fixed rate mortgages can be as short as 10 years and as long as 30 years. Assuming you were able to secure a $100,000 30-year mortgage at a fixed rate of 3.92 percent, your total mortgage payments would be $172,000 over the life of the loan. If you were to secure a 20 year at a fixed rate of 3.5 percent, you would pay approximately $139,190 over the life of the loan. As you can see, a small decrease in rate, and decrease in time can make a significant difference.

Adjustable Rate Mortgages

If you are considering an adjustable rate mortgage, your lender may offer you different options. The most common types of ARMs are 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. What this means is the first number (3, 7 and 10) means your rate will be fixed over that number of years. The second number (1) means your rate will change every year after the fixed rate period ends.

ARMs typically have what is known as a “cap” which means the amount your loan can increase cannot increase more than a specific amount. The caps may be defined as how much the monthly payment can increase over the life of your loan, over how much the rate can rise over the life of your loan, or how much the rate can increase from year to year. Before agreeing to accept an ARM, make sure you have a full understanding of the terms. It is also worth noting that many ARMs also have prepayment penalties associated with them. This means you may pay a fee to the lender if you sell your home, or you decide to refinance your mortgage.

Deciding whether a fixed rate or an adjustable rate mortgage is the right choice for you can be challenging. Some borrowers may opt for an adjustable rate, so they can meet other criteria such as debt to income ratios. Your real estate agent, and your mortgage lender can help you determine which loan is right for your needs based on the value of your home, how long you plan to own the home, and your current financial status.




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