Kathy Craig - ERA Key Realty Services



128 Yew St., Douglas, MA 01516

Single-Family

$489,700
Price

8
Rooms
4
Beds
2/1
Full/Half Baths
There is nothing like new! This amazing four bedroom colonial has beautiful gleaming hardwood floors, open floor plan with a magnificent family room and fireplace, your choice of colors throughout, granite counters and island in a cabinet packed kitchen. Energy efficiency up to today's code. Additional options and upgrades available when working with one of the best builders in our area. Nice wooded lot on a quiet country road. This is a great time to build your own home for so many reasons!
Open House
Sunday
August 25 at 2:00 PM to 3:30 PM
There is nothing like new! This amazing four bedroom colonial has beautiful gleaming hardwood floors, open floor plan with a magnificent family room and fireplace, your choice of colors throughout, granite counters and island in a cabinet packed kitchen. Energy efficiency up to today's code. Additional options and upgrades available when working with one of the best builders in our area. Nice wooded lot on a quiet country road. This is a great time to build your own home for so many reasons!
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Location: 128 Yew St., Douglas, MA 01516    Get Directions

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This Single-Family in Northbridge, MA recently sold for $500,000. This Colonial style home was sold by Kathy Craig - ERA Key Realty Services.


122 Olivia Drive, Northbridge, MA 01534

Single-Family

$500,000
Price
$500,000
Sale Price

6
Rooms
4
Beds
2/1
Full/Half Baths
Home sweet home is what will come to mind when you enter this spacious four bedroom colonial. Enter through a beautiful two story foyer and be ready for a home that has so much to offer. Cabinet packed kitchen with granite counters with eat in area, stainless steel appliances and an island that opens to your family room with cathedral ceiling and fireplace. Adjacent dining and living room with beautiful natural light beaming through. Hardwood floors throughout the first floor. Laundry and mud room with lots of space. Master bedroom is expansive with sitting area; walk in closet and master bath. Additionally, there are three good size bedrooms and full bath. Screened in porch for entertaining family and friends while enjoying summer nights or put the windows in and enjoy during all three seasons. Located in a sought after neighborhood and only minutes from the Mass Pike and other major routes, it makes a commuter's dream come true. Time to make your move!

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The definition of a "dream house" varies from homebuyer to homebuyer. Fortunately, there are many things you can do to determine if a residence is right for you.

Now, let's take a look at three tips to help you evaluate a home so you can decide whether to proceed with an offer to purchase.

1. Review a Home's Features

Think about why you are searching for a home and what you want to find in a house. For example, if you require a home that features a deluxe kitchen, you can narrow your house search accordingly. On the other hand, if you want a home that boasts an above-ground swimming pool, you can focus on houses that offer this amenity.

Consider where you want to reside too. That way, you can hone your home search to a select group of cities and towns and find a residence that is located in one of your preferred locations.

2. Examine a Home's Price

The cost of a home depends on a number of factors, including the residence's age and condition. Of course, the housing market itself plays an important role in a house's cost as well, so you'll want to examine the real estate sector closely. By doing so, you can differentiate a buyer's market from a seller's market – or vice-versa – and determine if a home's price falls within your budget.

In a buyer's market, there may be an abundance of quality houses available at budget-friendly prices. If you shop for a home in a buyer's market, you may be able to purchase a house at or below a seller's initial asking price.

Comparatively, in a seller's market, there is a shortage of premium houses, and top-notch homes that become available may be in high demand. In a seller's market, you may need to act fast to acquire your dream home. Plus, you may need to submit an offer to purchase that exceeds a seller's initial asking price so you can purchase your ideal residence without delay.

3. Consult with a Real Estate Agent

A real estate agent is a home selling expert, and he or she is happy to help you weigh the pros and cons of buying a house. In fact, a real estate agent will go the extra mile to ensure you can make the best-possible decisions throughout the property buying journey.

With a real estate agent at your side, you can receive lots of support so you can enjoy a seamless homebuying experience. A real estate agent first will learn about you and your homebuying goals and help you search for a residence that matches your expectations. Next, a real estate agent will help you craft a competitive offer to purchase your dream home. And if your homebuying proposal is approved, a real estate agent will help you finalize your house purchase.

Use the aforementioned tips, and you should have no trouble deciding if a house is right for you.


The US government has been helping Americans achieve their goal of homeownership for decades. Through programs offered by the Federal Housing Authority, the USDA, and the Department of Veterans Affairs, millions of Americans have been able to afford a home who would have otherwise struggled.

The focus of today’s post is one such service: loans offered through the USDA Rural Development program.

If you’re hoping to buy a home in the near future but are worried about being able to save up enough for a down payment or build your credit score in time, USDA loans could be a viable option.

Let’s take a look at some of the common questions people have about USDA loans:

Do I have to live in the middle of nowhere to get a USDA loan?

The short answer is “no.” rural development loan eligibility for your area is laid out on a map provided by the USDA. Most of the suburbs outside of major cities, as well as nearly all rural areas, are covered by the rural development program.

Can I qualify for a USDA loan if I’ve previously owned a home?

Yes. You may be eligible for a loan as long as you’re not the current owner of a home that was purchased through the rural development program. So, for example, if you own a home financed through the USDA and wanted to buy a second home and rent out the first one, you wouldn’t be able to finance your second home through the USDA.

How does the USDA loan guarantee work?

When you buy a home, a lender asks you to make a down payment. If you don’t have a down payment, the government (USDA, VA, or FHA) insures the down payment on your home rather than you paying it up front.

Will I have to pay mortgage insurance?

Unlike other subsidized loans, rural development loans require a “guarantee fee” rather than PMI (private mortgage insurance). The guarantee fee is 1% the total mortgage amount and this can typically be financed into the loan (so you don’t have to pay up front). In addition to the guarantee fee, USDA loans also charge an annual premium for the lifetime of a loan.

What are the qualifications for a USDA loan?

To find full eligibility information, complete the survey on the USDA’s eligibility website to find out if you qualify. However, the general qualifications are:

  • U.S. citizenship

  • Buying a home in a qualifying area

  • 24 months of income history

  • A credit score of 640 or higher for streamlined processing

  • Income high enough so that your monthly payments do not exceed 29% of your monthly earnings

What is the direct loan program?

The USDA really offers multiple urban development loans. The guarantee program, for which most single families utilize, and the direct loan program. Direct loans are designed for families who have the greatest need. You can also find out if you’re eligible for a direct loan by filling out the questionnaire on their website.




This Single-Family in Grafton, MA recently sold for $345,000. This Ranch style home was sold by Kathy Craig - ERA Key Realty Services.


12 Usher Road, Grafton, MA 01536

North Grafton

Single-Family

$349,900
Price
$345,000
Sale Price

8
Rooms
4
Beds
2
Baths
Lovely home impeccably maintained in a great neighborhood setting abutting Lake Ripple. Sellers have taken great care to update the house in almost every way possible. Newer flooring, roof, siding, gas heat, hot water tank, windows, baths and the list goes on. Freshly painted throughout with lots of attention to details. Great yard partially fenced with lovely patio, shed and garden area. Above ground pool with newer decking and views of Lake Ripple. Sit and enjoy the wonderful setting and pastoral feel of this private location but close to everything. Commuter rail, shopping, access to Mass Pike only minutes away. This is a true hidden gem that has an amazing setting but yet access to all the conveniences.

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